vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX My Cash App accounts were affected and I lost on round-ups from transactions and also fees that were supposed to be returned. My Cash App may have been breached but I brought it to the support teams attention but nothing was done. Also my account was closed with no credible reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/year>XXXX  it started and I just received a letter saying I been sending it to the wrong company and gave me Consumer Financial Protection Bureau address the email address not valid. And I read that this issue is resolved and over and it's not cause I owed none that XXXX  XXXX acknowledge it, if they sold it knowing I had XXXX balance.. I am mailing proof copies of the original envelopes they came in! This has hurt Me bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/year> it started and I just received a letter saying I been sending it to the wrong company and gave me Consumer Financial Protection Bureau address the email address not valid. And I read that this issue is resolved and over and it's not cause I owed none that XXXX  XXXX acknowledge it, if they sold it knowing I had XXXX balance.. I am mailing proof copies of the original envelopes they came in! This has hurt Me bad!

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/year>XXXX  it started and I just received a letter saying I been sending it to the wrong company and gave me Consumer Financial Protection Bureau address the email address not valid. And I read that this issue is resolved and over and it's not cause I owed none that XXXX  XXXX acknowledge it, if they sold it knowing I had XXXX balance.. I am mailing proof copies of the original envelopes they came in! This has hurt Me bad!

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and these items were not authorized by me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove all unauthorized information.

Enclosed are : A list of the disputed items My Identity Theft Report ( FTC ) A copy of my photo ID and proof of address Please investigate and confirm in writing once the items have been removed.

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX ( also known as XXXX & XXXX IONOS ), a web hosting and domain provider, for what I believe constitutes unlawful billing practices and harassment following a properly executed cancellation of services. I canceled my services with XXXX via their online dashboard and followed up with a phone call to their customer service line to confirm. I was assured that all services were canceled and that no further charges would be incurred. However, since that time, XXXX has continued to : Attempt to bill me for services I no longer use or have access to. 
Send notices demanding payment for charges that are not valid. 
These actions appear to violate basic consumer protections, including FTC guidelines, unfair billing practices statutes, and XXXX 's own publicly posted cancellation policy. This conduct has caused me unnecessary stress and financial risk, and I request immediate intervention to prevent further harassment.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
According to FCRA section 605B it is illegal to report information on my credit report without my permission. XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX  {$1600.00}, XXXX XXXX, {$1900.00}, XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX {$360.00}, XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX XXXX {$510.00}, XXXX XXXX XXXX XXXX {$520.00}, XXXX XXXX {$540.00}, XXXX XXXX XXXX {$720.00}, XXXX XXXX XXXX XXXX {$790.00}. Please remove this from my credit report, thank you. 

Under FCRA 605B, I am requesting the following : Immediate investigation and blocking of the accounts listed above. Removal of all related inquiries, collections, and payment history associated with these accounts. A written confirmation that these items have been deleted from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to FCRA section 605B it is illegal to report information on my credit report without my permission. XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX  {$1600.00}, XXXX XXXX, {$1900.00}, XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX {$360.00}, XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX XXXX {$510.00}, XXXX XXXX XXXX XXXX {$520.00}, XXXX XXXX {$540.00}, XXXX XXXX XXXX {$720.00}, XXXX XXXX XXXX XXXX {$790.00}. Please remove this from my credit report, thank you. 

Under FCRA 605B, I am requesting the following : Immediate investigation and blocking of the accounts listed above. Removal of all related inquiries, collections, and payment history associated with these accounts. A written confirmation that these items have been deleted from my file.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian due to their failure to properly investigate disputed information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I submitted a dispute to Experian regarding inaccurate information and requested a reinvestigation. Instead, Experian refused to reinvestigate, claiming the item had already been previously investigated, despite no new evidence or explanation being provided. 

Additionally, I am aware that the Consumer Financial Protection Bureau has recently taken action against Experian for these same unlawful practicesspecifically for not adequately investigating consumer disputes, failing to properly process them, and reporting inaccurate information that harms consumers access to credit, housing, and employment.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting a follow up complaint on a previous dispute regarding unauthorized activity reflected on my credit report. This complaint is submitted in accordance with the Fair Credit Reporting Act ( FCRA ) 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], which strictly limits access to consumer credit reports to entities with a legally permissible purpose.

Upon reviewing my credit file, I identified the following entries that appear to involve unauthorized or unpermitted access to my personal credit information. These inquiries or activities were made without my knowledge, consent, or a valid legal purpose, and as such, they represent a violation of my rights under federal law. 
LOCAL XXXX XXXX Balance : $ XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting a follow up complaint on a previous dispute regarding unauthorized activity reflected on my credit report. This complaint is submitted in accordance with the Fair Credit Reporting Act ( FCRA ) 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], which strictly limits access to consumer credit reports to entities with a legally permissible purpose.

Upon reviewing my credit file, I identified the following entries that appear to involve unauthorized or unpermitted access to my personal credit information. These inquiries or activities were made without my knowledge, consent, or a valid legal purpose, and as such, they represent a violation of my rights under federal law. 
LOCAL XXXX XXXX Balance : $ XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant XXXX, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX XXXX XXXX Amount : {$5100.00} DateXXXX 2 ) XXXX  Amount XXXX {$7500.00} DateXXXX 3 ) XXXX XXXX Amount : {$5900.00} Date:XXXX 4 XXXX XXXX XXXX Amount : {$3.00} Date:XXXX 5 ) XXXX XXXX XXXX  Amount : {$890.00} Date:XXXX 6 ) XXXXXXXX XXXX XXXX XXXX  Amount : {$23000.00} DateXXXX 7 ) XXXX XXXX XXXXXXXX Amount : {$7600.00} Date:XXXX INCORRECT NAMES LISTED : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX INCORRECT NAMES LISTED : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX XXXX XXXX XXXX, CA XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6 ) XXXX XXXX XXXX XXXX, CA XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8 ) XXXX XXXX XXXX XXXX XXXX, CA XXXX 9 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX 10 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 11 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12 XXXX experian. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 13 ) XXXX XXXX  XXXX XXXX XXXX, CA XXXX 14 ) XXXX XXXX XXXX XXXX, CA XXXX 15 ) XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 16 ) XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 17 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 18 ) XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX UNAUTHORIZED INQUIRIES LISTED : 1 ) XXXX XXXX/XXXX  2 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
Consumer Portfolio is claiming an account got closed XXXX years ago due to lack of payment. I have been paying on this account since then. 

I stopped paying in XXXX of 2025 for this reason. Im not going to continue to pay on an account that doesnt reflect my factual payment history.

Company response to consumer: Closed with explanation