vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I want these accounts removed immediately from my 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 2025-07-06 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: VA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: VA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Permissible Purpose Challenge and Identity Theft Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XX/XX/XXXX SSN Last 4 : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Demand for Investigation, Permissible Purpose Validation, and Permanent Removal of Fraudulent Items To Whom It May Concern, My name is XXXX XXXX XXXX, and I am a victim of identity theft. I am submitting this sworn and notarized statement to demand the immediate investigation and permanent deletion of fraudulent, inaccurate, or unauthorized information reported to credit bureaus that is harming my financial reputation. 

These items were reported without my knowledge, consent, or authorization. I am formally challenging the permissible purpose of the following inquiries and accounts under the Fair Credit Reporting Act ( FCRA ), which requires that all users of my credit report have a legitimate and authorized reason to access or report data. 



Unauthorized Hard Inquiries to Be Removed 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 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  Cease and Desist Demand I hereby demand that : 1. These accounts and inquiries be fully investigated.

2. Documentation proving permissible purpose be provided.

3. All disputed items be deleted permanently if not fully validated.

4. My rights under FCRA Sections 604, 616, and 617 be respected.

Failure to comply will result in legal action, formal complaints to the FTC, and continued follow-up until this matter is resolved. I am requesting immediate action to prevent continued harm to my credit and financial well-being. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I made full payment on the account and I had my vehicle taken as well as my payment. I filed a complaint with the CFPB and learned from the report that my payment was not reported by the company holding my account I have added an attachment that shows what I have available to verify that payment was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: ONLINE Information Services, Inc.
State: DE

Complaint narrative:
I am writing to file a formal identity theft complaint regarding fraudulent accounts that have been reported on my credit file without my authorization. These accounts do not belong to me and may have been opened or transferred in my name without my consent. The details are as follows : XXXX * * XXXX  XXXX * * - Account # : XXXX * * * * - Status : Charged-off/collection reported without proper validation - Requested Documents : Signed agreement, assignment, flow agreement, W-8/W-9 also i want the cusip number for the account plus the XXXX full report XXXX. * * XXXX Credit / Abode at XXXX * * - Account # : XXXX * * * * - Status : Collection account reported without chain of title or agreement - Requested Documents : Original agreement, assignment/bill of sale, flow agreement, W 8/W-9 and the XXXX report XXXX. * * Online IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * - Account # : XXXX * * * * - Status : Reported as consumer not located yet still in collections - Requested Documents : Ownership proof, flow/assignment agreement, W-8/W-9 I did not authorize these accounts, and they may have been the result of fraudulent use of my identity. Under the Fair Credit Reporting Act ( FCRA ) 605B, I request that these accounts be blocked and removed from my credit reports. last four ss # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: MO

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX * * Balance : {$1100.00}, CXXXX 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 2025-07-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a AmEx gift card for a research study I completed. I tried purchasing my childrens school uniform at The XXXX XXXX and it was declined XXXX times. I then tried to use it on the XXXX app to buy groceries and it was declined. I called customer service to get help. They first suggested that I was entering the wrong information and I assured them I wasn't. I was put on hold and later told to just keep trying, preferably at a physical store. I then went to XXXX the next day to purchase sneakers for my daughter and it didn't work, which was very embarrassing. I tried XXXX last time today online and it was declined again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime closed my account after I reported unauthorized transactions in XXXX I had $ XXXX in transactions they wouldnt do anything about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a charge off reporting on my account.This charge off by XXXX XXXX  is being reported by [ EQUIFAX TRANSUNION EXPERIAN ] and I believe that this entry is inaccurate, this charge off in question is identified as a charge off but I do not believe the creditor has followed the legal requirements to report it as such according to according to FCRA and related laws.Legal Basis for dispute Under 15 U.S Code 1681a ( 2 ) the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the 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 2025-07-06 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: GA

Complaint narrative:
I am writing to formally dispute a charge off reporting on my account.This charge off by XXXX XXXX  is being reported by [ EQUIFAX TRANSUNION EXPERIAN ] and I believe that this entry is inaccurate, this charge off in question is identified as a charge off but I do not believe the creditor has followed the legal requirements to report it as such according to according to FCRA and related laws.Legal Basis for dispute Under 15 U.S Code 1681a ( 2 ) the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUMMIT MORTGAGE CORPORATION
State: WI

Complaint narrative:
Since XXXX of XXXX till XX/XX/XXXX of XXXX, I received XXXX notifications on my XXXX account that a person has been searching for me by name and once I opened the notification on google it revealed a house address that was familiar and this person happens to be loan officer in the state of XXXX. The last notification I got that google showed me was on a website where you can pay to get a background check on anyone. Due to knowing how this person is and what they do, I do not want to be stocked or have tabs kept on me for no reason. Reasoning on why I know this person is because she is the sister to a past relationship I had and she has been highly unprofessional during calls with her costumers, having the phone on speaker phone while asking for their social security numbers along with other personal data that is to not be shared with others. That happened many times back in XX/XX/XXXX through XXXX of XXXX. Due to what this person has access to, I do not want my information to be tampered with.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to try and report a debt by XXXX debt even with ftc reports and that all other reporting has deleted account there is also a cease and desist with XXXX as all debt with them is fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive been trying to get these inaccurate reportings off of my credit for a three years. Each time I dispute through TRANSUNION ; Im being told that all the information is correct. Ive called auto warehouse and spoke to the fraud department to make sure. I already saw two diffrent companies reporting the same wrong information also. I do no have any open lines of credit. XXXX is reportinh for internet service thats not even under my name or address.

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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
The companies was chime and cashapp I called them the one for chime back in XXXX when I got back from a trip of those unknown charges and they did not handle disputes as you would see the amounts on the pictures Ive sent XX/XX/XXXX XXXX and XXXX. I do not know those users or how my account got hacked I had to move my money. For cashapp the same but I call them as well and nobody helped and kept transferring and asking for in depth personal information and for the XXXX product I tried texting them through app for refund and it did not bring live agent on XX/XX/XXXX. 
Cashapp XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX  {$130.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX  {$1.00} Visa Money Transfer - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$2.00} Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$5.00} Cash App * XXXX XXXX Wed, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/25 I was charge of {$42.00} without the XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX. The cashier was supposed to void the transaction. Made the correct transaction on XXXX with the XXXXXXXX XXXX Come to find out she didn't void the transaction of {$42.00}. On XX/XX/XXXX, filed a billing dispute with XXXX XXXX XXXX XXXX. It has taken quite a while to get this resolved.

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 monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have formally disputed this debt due to identity theft that has been listed on my credit report since XX/XX/year> and the company continue to update even though this false. 
listed on my credit report I believe this account is inaccurately reported and request a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe the following information is incorrect : I am NOT the owner of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am a victim of identity theft. I am submitting this sworn statement to demand the immediate and permanent removal of fraudulent accounts, unauthorized credit inquiries, inaccurate late payments, collections, and charge-off accounts from my XXXX  consumer credit report. 

These items were reported without my knowledge, consent, or authorization. They are the result of identity theft and fraudulent activity. As protected under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act, I am demanding the full removal of these items, and that all parties cease and desist from further reporting, collecting, or disseminating this harmful, damaging, and false information. 


Unauthorized Hard Inquiries to be Removed : XXXX XX/XX/XXXXXXXX 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 Date Reported : XX/XX/XXXX | Balance : {$110.00} This account is not mine and must be removed immediately. 

Late Payments from Fraudulent or Disputed Accounts : 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  Cease and Desist Demand This letter serves as a formal cease and desist notice to XXXX and all associated creditors and collectors. You are hereby ordered to : 1. Immediately delete the above-listed items from my XXXX  credit file.

2. Cease and desist from reporting, collecting, or verifying these items.

3. Refrain from further damage to my personal and financial reputation.

4. Provide written confirmation that these items have been removed.

If you fail to act, I will pursue further action through the Consumer Financial Protection Bureau ( CFPB ), FTC, and legal counsel. The burden of proof is on you to validate these accounts and inquiries ; failure to provide such proof will result in legal consequences.

Please treat this matter with the urgency and seriousness it requires .Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Email : XXXX Phone : XXXX DOB : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation