vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. Multiple accounts were fraudulently opened in my name without my knowledge or authorization. I submitted a formal identity theft report, placed fraud alerts, and submitted debt validation letters under 15 USC 1681 and 1692g. No original signed contracts or proof of authorization were provided.

Despite this, the following accounts remain listed and are damaging my consumer file : XXXX XXXX  XXXX. ( Dispute XXXX : XXXX, XXXX, XXXX, XXXX ) XXXX Bank ( XXXX XXXX XXXX ) ( Dispute ID : XXXX ) XXXX XXXX XXXX ( Dispute ID : XXXX ) XXXX XXXX ( Dispute ID : XXXX ) XXXX XXXX  ( Dispute XXXX : XXXX, XXXX, XXXX ) XXXX XXXX  XXXX. ( Dispute ID : XXXX ) The XXXX XXXX XXXX XXXX XXXX ( Dispute ID : XXXX ) I demand immediate deletion of these unverifiable accounts. Early Warning has acknowledged it does not have access to original account-opening documentation and has deferred to the reporting banks, yet no documents have been produced. Continued reporting without verification violates the Fair Credit Reporting Act and the FDCPA. If not resolved promptly, I will pursue legal remedies. 

Supporting documents attached : Identity theft affidavit / FTC report Fraud alert notice Debt validation demands Early Warning response letter and full disclosure report Please investigate and confirm deletion in writing. 

XXXX XXXX XXXX : * -- XXXX XXXX : XX/XX/1990 Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
To Whom It XXXX Concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I have not applied for any credit or authorized any XXXX  parties to access my credit file. Therefore, these inquiries are not initiated by me and constitute a violation of the Fair Credit Reporting Act ( FCRA ). 
Specifically, under XXXX XXXX ( a ) ( XXXX ) and XXXX XXXX. XXXX, a credit bureau may only furnish a consumer report if there is a permissible purpose. These inquiries do not meet that standard, and I request that they be removed immediately from my credit file. 
Enclosed are copies of my government-issued driver 's license and Social Security card for identity verification purposes. 
Please investigate and remove all unauthorized inquiries from my credit report. I expect a response within XXXX  days in accordance with federal law. 
Sincerely, 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 2025-07-22 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Subject : XXXX XXXX for XXXX and XXXX XXXX XXXX under FCRA, XXXX, XXXX, FDCPA, and XXXX XXXX To Whom It XXXX Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file. 

Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( XXXX ) listed below, and a comprehensive review of your reporting under XXXX XXXX compliance guidelines, including all data fields and condition codes. 

Account Name/Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Nature of Dispute : The Date of Last Activity is inconsistent : XXXX  reports XXXX XXXX XXXX  reports XX/XX/XXXX Violation of FCRA XXXX ( b ) and XXXX XXXX Field XXXX XXXX inaccurate and misleading reporting of aging ) Dispute Reason : This account shows 96 % on-time payments, but late payment markers appear in other bureaus. 
If XXXX bureau reports perfect payment history while others show late payments, this is an inconsistency that violates XXXX XXXX guidelines. 
The creditor must validate these missed payments or update XXXX  bureaus for accuracy The charge-off date is suspiciously aged : Last activity in XXXX vs. XXXX XXXX indicate artificial account extension Possible violation of XXXX and XXXX, which govern aging and accurate charge-off practices This XXXX indicate either : The debt is unverifiable and thus omitted by other CRAs. 
The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA XXXX ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-22 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-22 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: CA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under XXXX XXXX a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXX the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the XXXX  failed to block the disputed information within the XXXX-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I reached out to cash app about a specific problem that was never resolved. This isnt the first time I reached out to customer care and wasnt helped but I asked for my problem to be escalated to higher extent due to me being in a XXXX XXXX situation and XXXX  miles away in a state I know no one. This is my second time reaching out to customer care and I need my money to get back home safe with my XXXX XXXX XXXX XXXX Ive been stuck in a state and I XXXX  want my money so I can go home!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX DEPOSITED MY XXXX  XXXX XXXX XXXX XXXX  CHECK LIKE I ALWAYS DO. THEY INSTANTLY RELEASED {$270.00}, AND PUT A HOLD ON {$840.00}. IT'S XXXX OW BEEN XXXX  DAYS AND EVERY TIME I CALL THEY GIVE ME A DIFFERENT ANSWER, THEY WON'T LET ME TALK TO A SUPERVISOR OR THE SECURITY TEAM. THEY ASK ME TO UPLOAD ID 'S AND A LETTER STATING THE ISSUE. I DID THAT XXXX  TIMES AND HAVE BEEN IGNORED OR GIVEN A GENERIC ANSWER THAT THEY ARE STILL " WORKING ON IT ''. I'VE NEVER HAD THIS PROBLEM BEFORE AND I NEED THIS MONEY TO PAY FOR MY SONS HIGH SCHOOL TUITION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 am submitting this formal complaint to TRANSUNION concerning inaccurate information on my credit file that has not been properly validated, confirmed for accuracy, or physically verified. 

Upon reviewing my credit report, I identified questionable and potentially incorrect entries that appear to lack proper verification. As a consumer, I have the right to request the prompt removal of such items under both federal and state consumer protection laws. This complaint also serves as a reminder of your obligation to comply with FACTA Title I, Section 151, which outlines the appropriate procedures for handling consumer data.

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 2025-07-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
THEY REPORTED A COLLECTION TO MY XXXX  REPORT WHEN I NEVER RECEIVED ANY DOCUMENTS OF ME OWNING ANY MONEY AT ALL. I DIDNT RECEIVED NO LETTERS, EMAIL TEXTS OR ANY KIND IN REGARDS OF ANY DEBT. I CALL THEM AND THEY WANT ME TO GO TO A XXXX WEBSITE. IT SOUNDS LIKE A SCAM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Incomm Holdings Inc.

Complaint narrative:
Hello, I had a {$200.00} XXXX XXXX XXXX XXXX. I called the number given on the back of the gift card on XX/XX/year> more than XXXX, but the call didn't go through, I even tried many other numbers associated with customer service but the calls didn't work. I then proceeded to tried and checked the balance on website given on the back of the XXXX card to check my card balance which shows the full total of {$200.00}. On XX/XX/year> I tried to checkout on XXXX a total of {$190.00}, when I was told my card doesn't have enough money. I decided checked my XXXX card, to my surprise that is when I realized that my XXXX XXXX XXXX was scam on the same day XX/XX/year> when I checked my Visa card balance on the website that was provided on back of the Vanilla gift visa card. I called Vanilla gift card and filed a dispute with proofs on XX/XX/year>, the same day I realized I was scammed. It has been XXXX  days and still no refund. Every time I called Vanilla gift card customer service they have me in a circle and doesn't want answer my questions. When I ask for their names they say their names very fast and provide me with acronyms like XXXX, IA. I managed to get a name yesterday when I called on XX/XX/year>, the customer service name was XXXX. I haven't heard back from DISPUTE RESOLUTION TEAM XXXX XXXX XXXX XXXX GA XXXX XXXX Please if there anything you can do to help me to get back this money, please do so and if you any further information/proofs that you might need for my case, please let me know. I can't afford to lose this money in this hard and trying times. I am a trying XXXX XXXX XXXXo special need son, and I was trying to use my vanilla gift visa card to purchase things for my son on XXXX. Please help me and thank much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

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

1681c-2 ) that you, the Equifax Information Services , 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. 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I requested in writing the following address be removed from Equifax, XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX because I have never lived in California. Equifax has failed to remove it from my record. 

I also requested XXXX  inquires from XXXX be removed from Transunion, Experian and Equifax because XXXX did not authorize any credit inquires. The XXXX XXXX XXXX failed to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-22 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I have discovered an account on my credit report which I did not open nor approve. I am alarmed by its presence and assert that this is a fraudulent entry not tied to any actions I have taken.

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: NY

Complaint narrative:
Account name DISCOVERC Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$2300.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: LJ Ross Associates
State: CA

Complaint narrative:
L J Ross and Associates tried to contact me at XXXX. My phone notified me, waking me up, causing my XXXX  and XXXX to raise my XXXXXXXX XXXX  and caused lack of sleep before work day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-07-22 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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