vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
I received a debt collection letter from XXXX. Systems regarding a debt from XXXX XXXX. The debt is for the year XXXX, but I did not live at the New York address that is being charged for the debt, and I have resided in NJ for XXXX XXXX We called on XX/XX/XXXX, to try and get it resolved with XXXX XXXX, and then sent an email the same day with proof of current address, and we never heard back from XXXX XXXX about the issue. We called XXXX. XXXX today, XX/XX/XXXX, and they said that we should report the situation as fraud because I have resided in NJ since XXXX and was charged for only the year 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 2025-07-24 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I discovered XXXX unauthorized hard inquiries from Capital One on my credit report. I did not apply for credit or authorize these pulls. I contacted XXXX Ones fraud department to dispute the inquiries and obtain documentation confirming the inquiries were fraudulent. 

During my calls, I was told conflicting and unclear information. XXXX representative stated I would receive documentation in the mail ( I never did ). Another, when I followed up, told me I needed to fax a letter with my signature but could not provide clear instructions or an alternative method for submission. 

I escalated the issue when I discovered XXXX separate hard pulls, but Capital One only acknowledged XXXX and refused to investigate the second. I was denied escalation to a supervisor and ultimately forced to end the call after being told there was nothing more they could do. 

I am simply requesting : A full investigation into both hard inquiries Written documentation confirming that these inquiries were fraudulent Removal of any unauthorized hard inquiries from my credit report This process has been unnecessarily difficult and opaque. I am entitled under the Fair Credit Reporting Act to dispute unauthorized inquiries and receive a response. Capital One has been uncooperative, failed to investigate both items, and has refused to provide documentation I need for credit bureau disputes. 

Desired Resolution : Investigate both hard inquiries Provide written confirmation that both were unauthorized Remove the inquiries from all credit bureaus Improve fraud support processes to allow for clear documentation and escalation when needed Company Involved : Capital One Dates of Incident : hard pulls on XX/XX/year> and XX/XX/year> Credit Bureaus Affected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AL

Complaint narrative:
My credit report has over XXXX inquiries from XXXX XXXX none of which i authorized it has dropped my score more than XXXX points

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 2025-07-24 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-24 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: TX

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX XXXX XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to respond to a written credit dispute I submitted regarding the reporting of XXXX, XXXX, and XXXX XXXX  accounts. I mailed the dispute more than 45 days ago, and as of today, I have not received any response or investigation results from Experian. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, credit reporting agencies are required to complete a reinvestigation within 30 days of receiving a consumer dispute. The failure to meet this legal obligation is a violation of my rights. I request immediate action, including the completion of the investigation and a written response with findings related to all disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AL

Complaint narrative:
Okay I sent a identity theft report to equifax and I spoke with they supervisor and let them know Im a victim of identity theft he went over my documentation after he seen the identity theft he said he will put it in they system to have the items remove give it to 4 days got a letter saying they cant remove it because I didnt sent in my identification but I did if they dont remove the items my lawyer will be involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 disputed the following items to the Credit Bureaus but I have not received any response from them. I do not recognize them at all. Please remove these inaccuracy as I do not believe it even belongs to me. This is in accordance withViolation of 15 U.S.C. 1681i ( a ) ( 5 ) - any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

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 2025-07-24 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-24 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
After receiving an official ruling from an XXXX XXXX XXXX judge in XXXXXXXX XXXX, it was ruled in my favor that I do NOT owe XXXX ( labeled as Columbia Debt Recovery on my credit report ) any money and I am actually owed {$800.00} from XXXX. After contacting XXXX and XXXX XXXX XXXX, both have confirmed the account has been closed after reviewing the court documents. Therefore, XXXX XXXX XXXX XXXX need to also remove this account from my report. I have filed disputes with all three without a proper response. According to state law, a court ruling supersedes any company or credit reporting. Please fix this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX erroneously debited my checking account for full pmt on my account when a written pmt agreement was in place. I contacted XXXX and was told, in writing, to dispute the charge with my bank. I went to the bank, in person, and tried to file a dispute. The teller had trouble filing my dispute, there was no supervisor in the branch so she took all of the information and then called me the next day when she was able to complete it. I notified the bank of the dispute XX/XX/year> and the claim was filed XX/XX/year> for {$240.00}. Regions waited until XX/XX/year> and only issued a partial provisional credit to my account= {$120.00}. I called yesterday, XX/XX/year>, and spent over an hour being transferred to the wrong person/hung up on/call dropped and/or asked to state the reason for my call XXXX different times. I finally reached someone and asked why a partial vs full credit was issued and advised them that I received a letter from XXXX advising me of the chargeback from Regions for the full amount of {$240.00}. I was told that it was Regions prerogative to issue a partial credit and that if XXXX required me to pay in full that was not their problem.I explained that I am XXXX, need my phone service, didn't have enough money in my account to pay XXXX because they only issued a partial credit and I was required to pay the full amount of the dispute to XXXX to keep my only phone service. The woman was incredibly rude and told me that it was my decision to pay or not pay my cell phone bill. I then asked if I could upload the written notice from XXXX and I was told " No, the claim is in chargeback status and could take up to 90 days to get the rest of the funds credited to my account ''. Today I received a written letter from Regions stating that they had issued a full provisional credit to my account XX/XX/year>. That is not correct. I believe that Regions Bank is in violation of XXXX. XXXX debit card dispute regulations. They are unwilling to provide me the rest of the dispute nor will they accept any documentation from me.

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 2025-07-24 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: AZ

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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support 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
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
[ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date : [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.CXXXX XXXX Subject : Complaint Regarding Fraudulent Vehicle Purchase Paid via Cash App Dear CFPB, I am writing to formally file a complaint regarding a fraudulent vehicle transaction in which I used Cash App to make payment. I believe I was misled and defrauded by the seller, and I am seeking assistance in resolving this matter. 

On XX/XX/XXXX I paid $ [ XXXX ] through Cash App to $ getitXXXX  & $ XXXX for the purchase of a vehicle. The seller presented what appeared to be valid paperwork and a temporary tag at the time of sale. Based on these documents, I believed the transaction to be legitimate. 

However, I later discovered that the temporary tag was fake, and the paperwork provided was either incomplete or fraudulent. As a result, I am unable to legally register or insure the vehicle. Additionally, law enforcement impounded the vehicle after determining the temporary tag was invalid, causing further financial loss and hardship. 

I have attempted to contact the seller to resolve the issue, but they have either ignored my requests or are now unreachable. I also reached out to Cash App/Square Inc. to report the fraudulent transaction, but I have not received adequate assistance or a refund. 

I am providing this information in hopes that the CFPB can investigate this matter and help prevent further consumer harm. I am requesting the following : XXXX. A full investigation into this fraudulent transaction. 
XXXX. Support in holding the seller accountable for misrepresentation. 
XXXX. Assistance in recovering my funds through Cash App or by other legal means. 

Attached you will find copies of the Cash App payment receipt, screenshots of my communications with the seller ( if available ), a copy of the temporary tag, and any documents the seller gave me. 

Thank you for your time and attention to this matter. I am available to provide any additional documentation or details you may require. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
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 four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : XX/XX/2025 XXXXXXXX XXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXX Date : XX/XX/2025 XXXX XXXX Date : XX/XX/2025

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