vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Letter ( Identity Theft Allegation / Reinvestigation Request ) To : XXXX XXXX 
Attn : Consumer Relations XXXX. XXXX XXXX XXXX, MN XXXX Re : Formal Dispute of Fraudulent Entry XXXX Account # XXXX under FCRA DeaXXXX XXXX XXXXXXXX Department, I am writing to formally dispute the accuracy and legitimacy of the following item reported on mXXXX XXXX file : Creditor : XXXX, California Account Number : XXXX Reported Balance : {$910.00} Date of Closure : XX/XX/year> Status : Unpaid / Suspected Fraud Activity I have no knowledge of this account and did not authorize its creation or use. I suspect this entry may be the result of identity theft, and it is causing serious harm to my ability to obtain financial services.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you initiate a full reinvestigation under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Right to dispute inaccurate or incomplete information 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and correct inaccurate data 15 U.S.C. 1681c-2 ( a ) Obligation to block fraudulent data upon identity theft documentation If you or the furnisher ( XXXX ) XXXX not verify this account with proper documentation ( such as a signed application or usage history linked to my verified identity ), this entry must be removed from my consumer file. 


Please conduct a thorough reinvestigation within the 30-day window mandated by 15 U.S.C. 1681i ( a ) ( 1 ) and notify me in writing of the results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX  XXXX XXXX for providing inaccurate and potentially harmful information to the credit reporting agency Equifax. 

The account in question, ending in XXXX, has been reported as " charged off '' with a {$0.00} balance and at the same time as " paid '', which represents a direct contradiction in the report. This information is ambiguous, confusing, and does not meet the accuracy standard required by the FCRA. 

Additionally, this account does not appear on XXXX  or XXXX, suggesting that XXXX  XXXX XXXX is providing incomplete or inconsistent information to credit agencies. 

I request that the CFPB investigate this matter, and that if XXXX  XXXX XXXX can not provide complete documentation supporting this report, it be ordered to immediately remove this account from the affected credit file. 

This erroneous information is unjustly affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WV

Complaint narrative:
I was scammed out of {$350.00} while attempting to pay for a service that I never received. The funds were sent via XXXX XXXX, and Cash App processed the transaction as an Apple Cash Balance Add. I filed a dispute with Cash App, but they denied my claim, stating that the merchant " fulfilled their obligations, '' even though I never received any goods or services. 
I have tried to reach out to Cash App multiple times and requested documentation of how they came to this conclusion. I have not been provided with clear evidence, and I believe the merchant XXXX have submitted false information. 
I am requesting that this dispute be reviewed again with the opportunity to submit additional supporting evidence, and that I receive a refund for the unauthorized or fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership : XXXX XXXX XXXX XXXX  Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and update.XXXX  XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and update.XXXX : Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and XXXX XXXX  : Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and update. 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and update. XXXX XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, This is a formal follow-up to my original written dispute submitted regarding a fraudulent XXXX XXXX account appearing on my credit report. I previously submitted : A signed identity theft affidavit A police report My FTC Identity Theft Report My fathers death certificate ( used fraudulently in the opening of the account ) A detailed personal statement explaining the fraud Under the Fair Credit Reporting Act ( FCRA ) Section 605B, you are legally required to block fraudulent information within four ( 4 ) business days of receiving proper documentation. As of today, this inaccurate item remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, This is a formal follow-up to my original written dispute submitted regarding a fraudulent Wells Fargo account appearing on my credit report. I previously submitted : A signed identity theft affidavit A police report My FTC Identity Theft Report My fathers death certificate ( used fraudulently in the opening of the account ) A detailed personal statement explaining the fraud Under the Fair Credit Reporting Act ( FCRA ) Section 605B, you are legally required to block fraudulent information within four ( 4 ) business days of receiving proper documentation. As of today, this inaccurate item remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While reviewing my credit report today as I normally do, I noticed some unexpected discrepancies. I even refreshed my browser thinking it might be a temporary glitch, but the incorrect accounts were still there. Given this situation, Im requesting a detailed review of the documents I submitted to ensure this issue is resolved permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute an account listed on my credit report. I believe this account may contain errors or inaccuracies that need to be investigated and corrected. 
Below is the account I am disputing : 1. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$200000.00} XXXX request that this account be thoroughly investigated, and any discrepancies or errors be corrected. If this account is found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
1. This is regarding Capital one XXXX credit card ending in. XXXX XXXX XXXX XXXX. The account has always been in good standing, paid in full at least monthly. 
2. XX/XX/XXXX, in order to contact a colleague, I signed up for a trial of premium and my card on file ( capital one ) was on file. I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see attached ) on XX/XX/XXXX and when I did not hear from her on XX/XX/XXXX, I cancelled the premium function at XXXX. Though I did not screenshot the cancellation ( I did not think I needed to as it was XXXX XXXX into the month-long trial, ) I did cancel it. I know the specific time because I discussed with my husband that I had not heard from XXXX and wondered if she retired. 
3. When I noticed the charge on my credit card on XX/XX/XXXX, I disputed it because it had been cancelled. The charge was removed. 
4. The charge was put back on and on my capital one page it was noted that I was responsible. I had a portal to upload documents relevant which I did showing that I had cancelled, and because I had cancelled, I could no longer use the premium function. Additionally, to reactivate it I would be charged YET AGAIN for that. 
a. Attached are documents showing that I would have to reactivate to use premium. If I am charged for the whole year ahead, I should not have to reactivate. 
b. Documentation showing that I would have to pay to reactivate. Again, if I am charged already and capital one says I am liable/responsible then I should have full access, not pay yet again.

5. I have contacted XXXX with no response at all. 
6. XXXX has had a history of leaking my personal information on the dark web half a dozen times and I presented this to capital one stating that this was a scam for money since I could not access premium but was charged for a full year into XXXX. 
7. I emailed this information to the leadership of capital one and ONLY upon closely following my account page found out the case was reopened at which point I resubmitted all documentation. In record time I was told yet again that I am responsible for the fee, yet I STILL can not access what I supposedly paid for and would have to be charged if I wanted to. 
8. Capital ones approach to this has been we already answered you instead of lets look further. I provided all documentation showing that XXXX has taken money that they should not have without giving me the service they are charging me for that they should not be. 
9. I am filing this complaint asking that the fee to XXXX of {$180.00} be refunded to my account since I can not access the XXXX account without paying a second time and capital one did not give the investigation attention it should have. 
10. I have all documentation with personal information that can be sent to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have made several attempts to have negative items removed from my credit report do to fradulent activities. The credit bureaus have yet to do a thorough investigation instead they just update the information as verified and close the account. I am a victim of identity theft and its affecting my credit score and life. I ask that a thorough investigation should be done and all negative information should be removed as soon as possible.i recently disputed accounts that were fraudulent and they are still listed on my credit report. Accounts XXXX XXXX XXXX ( {$420.00} ) XXXX XXXX XXXX ( {$1400.00} ) XXXX  (, XXXX, XXXX, XXXX ( {$810.00} ) XXXX  ( {$9000.00}, {$860.00} ), XXXX XXXX  still report even though account was paid and closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting the immediate and permanent deletion of the following fraudulent accounts and unauthorized inquiries from my credit report. These items were not authorized by me and are the result of identity theft. I have already provided all necessary supporting documentation and this is now the second notice being submitted. 

Fraudulent Inquiries and Accounts to Be Deleted : XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Requested Resolution : Under the FCRA and other relevant federal laws, I am requesting the following actions be taken without further delay : Permanent deletion of all accounts and inquiries listed above Blocking of all identity theftrelated data within XXXX business days as required under 15 U.S.C. 1681c2 Reinvestigation and removal under 15 U.S.C. 1681i ( a ) of any unverifiable entries Written confirmation that all fraudulent information has been deleted and blocked Updated, corrected copy of my consumer credit report sent to me directly Supporting Documentation ( Already Provided ) : Government-issued photo ID Social Security card Proof of current address FTC Identity Theft Report If this matter is not resolved within the required legal time frame, I will proceed with formal complaints to : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in both my state and the companys I also reserve the right to seek legal remedies under FCRA XXXX XXXX including statutory damages of up to {$1000.00} per violation, actual damages, and attorneys fees. 

This is a serious case of identity theft. The necessary documentation has been submitted. I expect full compliance and written confirmation promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$84.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation