vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had my car loan from XXXX XXXXXXXX XXXX on my report some reason it keeps getting deleted off my report without me consenting or putting an dispute to remove it

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

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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

Complaint narrative:
I disputed several accounts and inquiries on my XXXX  credit report by sending certified mail to XXXX. XXXX XXXX XXXX XXXX XXXX on XXXX, XX/XX/year> AND XX/XX/year> and asked for proof that I owed any debt or authorized any activity for the following accounts ; 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Today, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : XXXX, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report. 
Enclosed is a list of items that neither belong to me nor were opened with my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Today, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : XXXX, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report. 
Enclosed is a list of items that neither belong to me nor were opened with my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated for erroneous reporting in my file and are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
This is a follow-up to a previous complaint ( XXXX ) regarding a serious case of fraud and possible money laundering through Cash App, which the company failed to investigate or respond to meaningfully. 

In XX/XX/year>, I reported a series of peer-to-peer transactions that were the result of an extortion/kidnapping scam. An XXXX account impersonated a friend, claimed she was kidnapped and needed money to be released, and later directly identified themselves as the kidnapper. I submitted multiple screenshots ( .png ) showing ransom demands, repeated requests for money, and a clear impersonation of my friend. These transactions were completed through Cash App to $ cashtag XXXX XXXXXXXX. 

Despite the seriousness of the report and the evidence provided, Cash App closed my dispute without requesting further information, without contacting me, and without giving any explanation for how they reached their decision. 

Their official response stated : We couldnt confirm that your payments to the Cash App account associated with XXXX XXXXXXXX were scams. 

This is not a meaningful response. They did not reference the content of the screenshots, did not explain what criteria were used to assess the claim, and made no effort to investigate beyond issuing a boilerplate denial. If they believed the screenshots were not sufficient, they had a responsibility to request additional information, not dismiss the case outright. Cashapp was required to provide a meaningful, good faith reponse to my complaint within 15 days and simply mentioning the evidence followed by summarily declaring no evidence of wrongdoing was found without explanatino is a failure to meet the CFPB obligations. 

Further, they stated : Cash App does not typically cancel or refund completed, authorized payments. 

This statement attempts to override consumer fraud protection obligations with internal policy, which is not legally valid. Their obligation under the Electronic Fund Transfer Act ( EFTA ) and anti-money laundering regulations includes acting on reports of fraud, impersonation, and coercion.

Given the facts : They were alerted to a possible extortion scheme The evidence showed clear impersonation and coercive payment requests They closed the complaint without explanation or follow-up They failed to notify authorities or freeze the recipient account ( as far as Im aware ) I also believe they may have failed to fulfill their obligation under the Bank Secrecy Act ( BSA ) to file a Suspicious Activity Report ( SAR ) once notified of the scam. The transaction involved possible proceeds from fraud and coercion, yet no action appears to have been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of hard inquiries from my credit report that were made without my consent or for permissible purposes as outlined in the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, a hard inquiry may only beconducted with the consumer 's permission for a specific purpose, such as applying for credit. As I have not authorized thmese inquiries, I respectfully urge you to investigate this matter and expedite the removal of the fraudulent inquiries from my credit file. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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

Complaint narrative:
Complainant : XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information and Request for Full Reinvestigation Filed Under : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX, XXXX ( b ), XXXX I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies I found in my credit report after obtaining a copy from XXXX. This complaint seeks enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, XXXX ( b ), and XXXX. 

This is not a generic dispute. I personally submitted a comprehensive dispute packageincluding valid identification and supporting documentationand I am demanding a full, good-faith reinvestigation and correction of all items listed below. I also request disclosure of the procedures used to verify the information in question. 

Disputed Items Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Unverified or Inaccurate Accounts : Collection XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX Acct XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Acct XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Late Payment XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Sun Loan XXXX XXXX XXXX Acct XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXXI Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries appear to be either inaccurate, unverifiable, or outdated. Under XXXX XXXX. XXXX ( a ) ( XXXX ), all such data must be corrected or deleted if it can not be fully verified. 

FCRA Violations at XXXX  XXXX XXXX. XXXX ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 

XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to conduct a reasonable and complete reinvestigation. 

XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to provide method of verification when requested. 

XXXX XXXX. XXXX : Failure to provide a complete consumer file disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 recently discovered that my account was marked as late open and charged off due to payment issues I was unaware of. After reviewing my records, I believe there may have been misunderstandings or missed payments that could have been resolved. As per the Fair Credit Reporting Act ( FCRA ), it is my understanding that any inaccurate information or unresolved disputes should be addressed promptly. I respectfully request a thorough review of the account and its status, as the details provided seem inconsistent with my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any 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 explanation