vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: NV

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX XXXX account reporting on my credit file. This account is not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, XXXX XXXX XXXX XXXX has failed to provide documentation verifying the accuracy or ownership of this account. I have repeatedly requested validation, including a signed contract, itemized statement, proof of assignment, and verification procedures, but have received no such evidence. 

Furthermore, Experian, TransUnion, and Equifax have also failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress.

I have also filed complaints with the FTC and XXXX regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel XXXX XXXX XXXX XXXX and the credit bureaus to provide full verification or immediately remove this fraudulent account from my credit reports to restore the accuracy and integrity of my consumer file. 
I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX AMOUNT : {$5300.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I am filing a complaint to formally dispute and request the permanent removal of several unauthorized and unverified credit inquiries that continue to appear on my credit report. These inquiries were made without my knowledge, consent, or any permissible purpose, and therefore constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Under FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], a consumer reporting agency may only furnish a consumer report when a legitimate permissible purpose exists and when the consumer has authorized such access. The continued presence of these inquiries without authorization indicates a clear violation of these provisions.

Additionally, under FCRA 605B [ 15 U.S.C. 1681c-2 ], consumers have the right to block and remove informationincluding unauthorized inquiriesthat resulted from identity theft or were made without proper consent or verification. Furthermore, FCRA 619 [ 15 U.S.C. 1681q ] makes it unlawful for any person to obtain a consumer report under false pretenses or without a permissible purpose. 
The inquiries listed below were not authorized by me and must therefore be permanently deleted from my credit file : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am filing a complaint to formally dispute and request the permanent removal of several unauthorized and unverified credit inquiries that continue to appear on my credit report. These inquiries were made without my knowledge, consent, or any permissible purpose, and therefore constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Under FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], a consumer reporting agency may only furnish a consumer report when a legitimate permissible purpose exists and when the consumer has authorized such access. The continued presence of these inquiries without authorization indicates a clear violation of these provisions.

Additionally, under FCRA 605B [ 15 U.S.C. 1681c-2 ], consumers have the right to block and remove informationincluding unauthorized inquiriesthat resulted from identity theft or were made without proper consent or verification. Furthermore, FCRA 619 [ 15 U.S.C. 1681q ] makes it unlawful for any person to obtain a consumer report under false pretenses or without a permissible purpose. 
The inquiries listed below were not authorized by me and must therefore be permanently deleted from my credit file : 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

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 2025-10-29 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: NJ

Complaint narrative:
I am sending this complaint to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and to request the immediate blocking and permanent deletion of fraudulent and inaccurate information currently appearing in my consumer file. After reviewing my credit report, I found multiple items that were neither authorized nor initiated by me, and they have caused significant damage to my personal and financial standing. In accordance with FCRA Section 605B, I am providing this formal notice to ensure that these false items are removed from my record without delay. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/year> my cash app was hacked {$920.00} and took my money from there and as well as my chase bank account in the amount of {$250.00} two times. My whole cash app was wiped away. I am no longer able to sign back into my cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

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 2025-10-29 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: IL

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

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 2025-10-29 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: SC

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN FOUR ( 4 ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
Dear I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : XXXX  Original Credit Agreement ( the contract I allegedly signed, if applicable ) XXXX  Full Itemized Statement ( showing how the balance was calculated ) XXXX  Forward Flow Agreement ( proving debt transfer from original creditor ) XXXX  Chain of Title / Assignment Documents ( showing legal transfer of ownership ) XXXX  Complete Payment History Records ( verifying payments or delinquencies ) XXXX  Validation Notice ( per FDCPA 1692g ) XXXX  Notice of Default / Intent to Collect ( as required by law ) XXXX  Proof of Statute of Limitations ( confirming debt is legally collectible ) XXXX   Credit Reporting Agreement ( authorizing reporting to bureaus ) XXXX  Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-10-29 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: IL

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received notice of an adverse action on my U.S. Bank credit card related to my credit limit, based on information pulled from a credit reporting company ( believed to be XXXX  ). The data U.S. Bank relied on appears inaccurate : It listed a credit score of XXXX in XXXX, which is not accurate for me. 
It cited too few joint accounts ( which does not apply to my profile ). 
It cited too many revolving/open accounts and too many bank cards, which are both inaccurate and redundant. 
I pay my U.S. Bank account on time and have been a loyal customer. Since early this year, I have encountered repeated problems with the accuracy of information used by U.S. Bank and the credit reporting company. I request that CFPB : ( 1 ) require U.S. Bank to provide the exact score, date, and reason codes used ; ( 2 ) require U.S. Bank and the credit reporting company to reinvestigate and correct any inaccurate items under the FCRA ; and ( 3 ) require U.S. Bank to reconsider the adverse action and restore or reasonably adjust my credit limit once accurate information is verified. Please provide written confirmation of findings and corrections.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a checking account ending in XXXX with US Bank. Told them to close this account long time back. I have no idea- why they are not closing it? 
A/c # XXXX routing # XXXX Account balance is XXXX. 
there is no pending transactions

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 2025-10-29 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: NJ

Complaint narrative:
I am submitting this complaint regarding a data breach at Equifax, that compromised my sensitive personal and financial information, resulting in inaccuracies on my credit report and fraudulent activities. This breach occurred due to Equifaxs failure to implement adequate security measures, which allowed unauthorized access to my personally identifiable information ( PII ). The breach has led to errors on my credit report that Equifax failed to properly address, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the bureau did not meet its obligations under Section 611 of the FCRA to conduct a reasonable reinvestigation of the disputed information within the required 30-day period. As a result of this breach and the unresolved inaccuracies, I have suffered financial harm, including a reduced credit score, higher interest rates, emotional distress due to identity theft concerns, and considerable inconvenience. Additionally, Equifaxs actions demonstrate noncompliance with FCRA provisions, such as Section 607 ( b ), which mandates accuracy, and highlight negligence in safeguarding consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I disputed a {$4300.00} charge from XXXX XXXX XXXX XXXXXXXX for XXXX returned items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The merchant falsely claimed only the XXXX head was returned. I provided timestamped photos showing all items in the box with the USPS label visible. 

Amex denied my dispute, stating I ignored their XXXX  return label, but XXXX XXXX XXXXXXXX own XXXX XXXX clearly says : This is not a prepaid shipping label. Please use this label with the XXXX of your choice. No XXXX  label was provided or required, and USPS tracking shows delivery. 

Later, XXXX XXXX  XXXX confirmed in a written XXXX  response that the customers account will be credited. Despite that admission, Amex refused to honor it or reopen the case. This shows an unfair and incomplete investigation where Amex ignored direct merchant confirmation and my documented proof. I request the CFPB ensure Amex reopens the case and issues the proper refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MS

Complaint narrative:
I request that this account be removed and that you forward written documentation confirming the deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding Experians unlawful reinsertion of a previously deleted collection account without proper notice or verification. 
The account in question is : XXXX XXXX XXXX / XXXX XXXX Account Number : XXXX Balance : {$6500.00} This account was previously deleted from my Experian credit file after a valid dispute and investigation. However, Experian has now reinserted the same account as of XX/XX/year>, without providing any written notification or certification of accuracy from the furnisher, as required by FCRA 611 ( a ) ( 5 ) ( B ). 
Under this law, a credit reporting agency is prohibited from re-inserting deleted information unless : The furnisher provides a written certification that the information is accurate ; and The consumer is notified in writing of the reinsertion within XXXX ( XXXX ) business days. 
Experian has failed to comply with both requirements. I did not receive any written notification or certification, meaning this reinsertion violates FCRA 611 ( a ) ( 5 ) ( B ) and 607 ( b ), which requires Experian to ensure the maximum possible accuracy of consumer information. 
Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), the furnisher ( XXXX XXXX XXXX ) is prohibited from reporting any information that is knownor has reasonable cause to believeto be inaccurate.

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 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Becker and Poliakoff
State: FL

Complaint narrative:
Been trying to pay my debt for 4 month now and every time I try to communicate with them is impossible, every month they add more charges without letting me say anything about them or fight.

No answer at the office No call Everything by email with out discount any XXXX in fact they put a lien on my property when I been cooperating and paying

Company response to consumer: Untimely response
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I hereby request the immediate deletion of this incorrect account from my credit report, as I never authorized or approved its creation or use. Attached are the supporting documents to substantiate my claim.

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