vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I was scammed into sending XXXX for a deposit on a service and when I reached out to cash app about help I was told to contact bank but they wouldn't help because transaction was done via cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Account came back verified on my XXXX account it says open date XXXX XXXX and then says XXXX XXXX XXXX XXXXNot only did it come back. Verified but they didnt even change it and they said they updated it nothing has changed clearly they didnt even look at. It. 
Also its in collections and says XXXX and XXXX  account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX  as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of XXXX  and have made over a dozen request to Experian ( starting XX/XX/XXXX ) to block the assoicated information. 

The accounts listed below result of XXXX XXXX : DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX {$18.00} {$18.00} XXXX XXXX XXXX XXXX XXXX {$880.00} {$36.00} XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX  XXXX {$420.00} {$39.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$330.00} {$41.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX  XXXX XXXX The hard inquiries listed below result of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank XXXX XX/XX/XXXX Credit Acceptance XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX Send response to XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I received an emsil informing me that credit limit had been decreased based on credit report.

1. My credit is frozen with all 3 credit reporting bureaus 2. They did not receive authorization from me to pull my credit 3. This has negatively affected my credit as my scores have decreased significantly.

I respectfully request that something be done immediately to rectify the situation

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 2025-03-24 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 am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX Balance {$2500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$14000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$13000.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$40000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$220.00} Open Date XX/XX/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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Requested derogatory information to be removed from credit reports, since it has been nearly 4 years since the information has been published. Past due account dates noted on credit reports. Credit counseling instructed to make no payments. Paid in settlement amount is not published. Highest balance and written off amount should not be the same if a settlement was paid.

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 2025-03-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection account below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law.

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided.

Green v. Portfolio Recovery Assocs. LLC ( 2024 ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect. 

My Formal Demands : Debt Validation Provide : The original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized.

Cease-and-Desist : Stop all collection and reporting activities until validation is completed.

Immediate Deletion : If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Personal Information Update Please update my personal information to reflect the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Delete the Following Undeliverable Addresses and Aliases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Employers XXXX XXXX  XXXX  Accounts to Be Validated XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - 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 XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX  - Auto Financing Companies - XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Experian Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C . 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian phone number wont connect to a live agent but hangs up on you when you request a live agent. 
The app wont process a fraud alert or credit freezes for free. They want {$25.00}. 
The website wont process anything but sends you to the app. 
I have been frauded and have to place a freeze on my account and cant afford another monthly bill for something that is a free service everywhere else.

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 2025-03-24 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Against XXXX, TransUnion, and XXXX for Violations of FCRA and Inaccurate Reporting To Whom It May Concern, I am submitting this formal complaint against XXXX, TransUnion, and XXXX for their failure to maintain accurate consumer reporting in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. Despite my repeated disputes, these credit bureaus continue to report inaccurate and fraudulent accounts linked to my identity, causing financial harm and distress.

As a documented victim of identity theft and a data breach, fraudulent accounts were opened in my name without my consent. The following accounts, with their respective opening dates, remain inaccurately reported despite my disputes : Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Collection accounts opened XX/XX/XXXX, and XX/XX/XXXX Additionally, the following inaccuracies appear on my TransUnion report as of XX/XX/XXXX : Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Under 15 U.S.C. 1681i, the credit bureaus are required to conduct a proper reinvestigation of disputed information and remove inaccurate or unverifiable data. Despite providing evidence of identity theft and requesting removal, they have failed to comply, continuing to report these fraudulent accounts. This negligence negatively impacts my creditworthiness and financial well-being. 

I am requesting immediate corrective action, including the removal of all inaccurate and fraudulent accounts from my credit reports. I also seek a thorough investigation into these violations and enforcement of FCRA compliance. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, 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 2025-03-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$7300.00} XX/XX/year> 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I have an FHA loan on my property for the pass 5 years. I've been rejected multiple times by different banks and credit card companies due to loan to Income ratio. According to my credit report, my Mortgage loan appears as a personal loan. I've filed a complaint to the credit report company and they said to wait for the result as they will communicate with my lender. I also reached to my lender and they said that the credit report was incorrect. 
I have waited more than a year and My mortgage loan still appears as a personal loan.

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 2025-03-24 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TN

Complaint narrative:
Credit reports show account as closed. It also show delinquencies in XXXX and XXXX - this is due to credit counseling service advising to make no payments at that time. Settlement amount is not shown. Written off amount is questionable to the highest balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I reviewed a copy of my credit report and I found a fraudulent account. This account is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
My personal information was stolen in XXXX of 2022 that included my drivers license, social security card, and birth certificate which I filed a police report in regards to. In connection with these stolen documents a series of fraudulent accounts were opened including XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I subsequently updated my original police report to include this information. The accounts listed are all fraudlent and need to be removed immediately.

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