vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
A collection account from XX/XX/XXXX appeared on my credit report with a reported date of XX/XX/XXXX. I do not recognize this debt, was never notified about it, and have never received any communication or validation fromXX/XX/XXXX or any collection agency acting on their behalf. 

I did not receive a written notice of this collection, nor was I given the opportunity to validate or dispute the debt within the required 30-day timeframe under the Fair Debt Collection Practices Act ( FDCPA ). I have never opened or knowingly defaulted on any account withXX/XX/XXXX. 

On XX/XX/XXXX. I reviewed my credit report and saw this account for the first time. Since then, I have not received any explanation or proof of the debts validity. I am requesting that the company provide full validation of the account, including the original creditor, itemized charges, and proof that the debt belongs to me. If they can not do so, I am asking that the account be removed from all credit reporting agencies. 

I believe this may be an error or possible case of mistaken identity, and I am exercising my rights under the FCRA and FDCPA to dispute this item. Please investigate this matter and ensure that companies reporting inaccurate or unverifiable information are held accountable.

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 2025-08-07 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: MI

Complaint narrative:
I noticed unauthorized accounts on my credit report. According to 15 USC 1681, there should be no damages on my report for it is a defamation to my character. Consumer reporting agencies must block any information identified by a consumer as stemming from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
I noticed unauthorized accounts on my credit report. According to 15 USC 1681, there should be no damages on my report for it is a defamation to my character. Consumer reporting agencies must block any information identified by a consumer as stemming from identity theft.

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 2025-08-07 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-08-07 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-07 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: GA

Complaint narrative:
A collection account from XXXXXXXX XXXX XXXX XXXX was reported on my credit report around XX/XX/year>, for the amount of {$9300.00}. I do not recognize this debt and was never notified about it prior to it appearing on my credit report. 

I have not received any communication, validation notice, or supporting documentation from XXXXXXXX XXXX XXXX XXXX  or any collection agency regarding this account. Under the Fair Debt Collection Practices Act, I have the right to receive written notice and an opportunity to dispute the debt within 30 days, which was not provided. 

On XX/XX/year>, I reviewed my credit report and discovered this account for the first time. I contacted the credit reporting agency to dispute it and am now requesting that XXXXXXXX XXXX XXXX XXXXXXXX provide proper validation of the debt, including the original creditor, the full amount owed with itemization, and proof that I am legally responsible. 

If the company can not provide this information, I am requesting that the account be removed from my credit file. I believe this may be an error or a case of mistaken identity. Please investigate and ensure that only accurate, verified information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
This is not a reinvestigation request. It is a formal complaint for enforcement action due to Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ). Disputes were submitted via Equifaxs portal and by certified mail directly to the furnishers, with confirmed delivery by XX/XX/2025. 

No legally sufficient documentation was provided for the following accounts : XXXX XXXX XXXX, Department of EducationXXXX ( still reporting ), and those that previously reported and may be reinserted without notice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA 1681i ( a ) ( 5 ) ( A ) mandates deletion of any account not verified within 30 days. These furnishers failed to validate the debts despite timely and legally compliant requests.

Equifaxs system also obstructed full dispute entry by limiting character input and mislabeling accurate FCRA language. The affected tradelines are either still reporting or at risk of unauthorized reinsertion without validation, violating due process and FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MS

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized accounts and inquiries on my credit report. I did not open or authorize these items. 

Under Section 605B of the Fair Credit Reporting Act, I request that you block and remove the fraudulent information from my credit file. 

Please confirm in writing once the items have been removed and provide an updated copy of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MS

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized accounts and inquiries on my credit report. I did not open or authorize these items.

Under Section 605B of the Fair Credit Reporting Act, I request that you block and remove the fraudulent information from my credit file.

Please confirm in writing once the items have been removed and provide an updated copy of 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 2025-08-07 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: VA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-07 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
I purchased motorcycle parts online and never recieved the merchandise.. i was told that there was nothing they could do. 
.companies involved... 
XXXX Cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-07 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is correlated to Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/year>, I transferred a total of {$30000.00} to my wife, XXXX XXXX XXXX XXXX  XXXX using XXXX Real-Time Payments from my Chase account. The three transactions were : XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} The funds were sent to her newly opened Citibank account, established on XX/XX/year>. These were lawful, personal transfers between husband and wife, intended for essential household and family needs. 
On XX/XX/XXXX, my wife attempted to transfer funds from her Citi account to another account under my name. The transaction was blocked. We immediately contacted Citi and explained the legitimacy of the transfers. Citi advised us to retry the transaction after verification. 
On XX/XX/XXXX, a second attempt was made, which prompted Citis fraud team to reach out with additional questions. We responded promptly and in detail, providing multiple transaction references, account information, and confirmation that the transfers were valid and intentional between spouses. Citi acknowledged receipt of our responses and did not dispute the legitimacy of the funds at that time. 
Despite this, on XX/XX/XXXX, my wifes online account access was disabled without notice, and her account was fully frozen. On XX/XX/XXXX, we received a letter from Citi stating that all funds in the account would be returned following the closure. 
However, on XX/XX/XXXX, Citis Executive Response Center ( ERC ) through representative XXXX XXXX ext. XXXX ) informed us that the funds would not be returned, and would remain frozen unless recalled by the originating bank ( XXXX ). This directly contradicts Citis prior written communications. 
Separately, my own Citibank account was also closed shortly thereafter without cause. I opened a case on XX/XX/year> ( XXXX XXXX # XXXX ), and to date, no resolution has been provided. 
The {$30000.00} remains frozen without a recovery process, despite Citis acknowledgment of the transfers legitimacy. These funds were urgently needed to support medical and travel expenses for a XXXX XXXX  family member with XXXX. Their continued inaccessibility has caused serious financial and emotional harm. 
I respectfully request that the CFPB : Require Citibank to return or release the {$30000.00} in accordance with their written statements ; Investigate the contradiction between Citis written commitments and verbal reversals ; Review Citis handling of both account closures ; Facilitate any necessary coordination with XXXX to ensure recovery of the funds.

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 2025-08-07 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: MI

Complaint narrative:
I noticed unauthorized accounts on my credit report. According to 15 USC 1681, there should be no damages on my report for it is a defamation to my character. Consumer reporting agencies must block any information identified by a consumer as stemming from identity theft.

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a formal complaint against [ XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. 

I sent a legal dispute letter dated XX/XX/2025, citing violations under the FCRA 1681i, 1681e ( b ), 1681s-2 ; FDCPA 1692g ( b ) ; UCC 9-210 ; and accounting standards under GAAP and ASC 310 . 

The letter requested deletion or validation of multiple accounts with issues such as : XXXX  accounts that lack full documentation XXXX payments reported after account XXXX XXXX with no chain of title or original contracts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Ive been locked out of Cash App without my notification for 48 hours and this time Ive been hacked by a robot for {$330.00} and they have told me that my money has been refunded to my cash app account and it has not been refunded to my cash app account and it is XX/XX/XXXX. Its been over XXXX days. The service is overtaken by hack robots and theres no accountability and I would like my money back Somewhere where I can actually invest it in not have to worry about Cash App being accountable for my money because they either lock me out without my authority or let robot robots take my money without refunding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX XXXX XXXX XXXX BALANCED {$640.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BALANCED {$1300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1200.00} XXXX  XXXX XXXX BALANCED {$910.00} XXXX XXXX XXXX XXXX  XXXX BALANCED {$2200.00} XXXX XXXX XXXX BALANCED {$500.00} XXXX XXXXXXXX XXXX BALANCED {$520.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$4200.00} XXXX XXXX XXXX BALANCED {$1400.00XXXX XXXX XXXX XXXXXXXX BALANCED {$770.00} XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1300.00} XXXX XXXXXXXX BALANCED {$1700.00} XXXX XXXXXXXX BALANCED {$51.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$2200.00}

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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I can't even get a secure card to start to get credit, I have try with XXXX XXXX and they said I was disqualified I was making a depsite of a {$1000.00} for a secure card but I was denied also I always pay my bills on time never late this are the bills I pay, XXXX XXXX XXXX XXXX, Water, lights, auto ins, I pay my rent on time never late. but still I can't even get a secure card, I try with XXXX  XXXX and was rejected, XXXX XXXX  I was rejected, XXXX XXXX rejected and I can't understand why. please I would like to know why I am rejected.

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