vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I DON'T RECOGNIZE THE ADDRESS OR NAMES PLEASE REMOVE. THANK YOU!

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 2025-04-23 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: PA

Complaint narrative:
XXXX XXXX Date of birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 
Please investigate the following accounts : Negative Accounts Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$0.00} INACCURATE ADDRESSES 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 2025-04-23 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: GA

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 15 USC 1681.

15 U.S.C 1681 section 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 a 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm contacting you regarding a fraudulent and unauthorized inquiry that has appeared on my credit report. I did not apply for any new credit, nor did I give permission for this company to access my credit file. I take these matters very seriously, and seeing this kind of activity is extremely alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I made a purchase XX/XX/XXXX was temu a retail outlet for XXXX they were paid XX/XX/XXXX. Capital one regurgitated this transaction into a recurring charge to my account. I tried countless times to straighten this out. Capital one doesn't want to acknowledge they made the mistake. I've explained more than XXXX that I did not enter an agreement with XXXX to be charged a recurring fee for merchandise that was paid. Capital one 's system turned this into a recurring charge. XXXX nor i have any knowledge of this recurring charge.I contacted bothXX/XX/XXXX and that charge doesn't exist because I never made it nor agreed to it. I contacted cap.one regarding this many times. Just today, spoke with XXXX head of fraud. Explained several weeks ago and i report that the recurring charge was FRAUD. Explained to person who took the complaint as well as supervisor that .. yes I made a purchase on XX/XX/XXXX it was paid XX/XX/XXXX. But it was not a subscription on my end and the recurring part was the fraud not the purchase itself. They entered the information wrong because they didn't want to acknowledge there's a glitch in their system which created this problem. I explained 2day/not even 5min ago to XXXX the mgr the issue is they ( Capital one ) created this transaction. It did not come from meXX/XX/XXXXXX/XX/XXXX. His MgrXX/XX/XXXX is XXXX at least that's what he said. I repeated to XXXX. It's fraud for Capital one to create this charge and this is the third time. But this time it's a recurring charge to a retail outlet. The other 2xs was XXXX XXXX XX/XX/XXXX and XX/XX/XXXXthat they ( Capital one ) recharged me. XXXX doesn't want to believe I'm telling truth. I am. I asked for this to be removed. He/they said it will go they their system cuz i reported it as fraud. Again I explained it's the recurring issue that is fraud. Not that I made a purchase. The merchant doesn't recognize and didn't initiate this .. it was regurgitated within Capital one 's system. They flagged my purchase as the fraud but it isnt it's the recurring part that's fraud. XXXX doesn't didn't understand or want to. But the problem is capital one not temu not me or XX/XX/XXXX. Some times people don't want to acknowledge they made a mistake. That additionally transaction is not in my XXXX account nor is there an agreement with the retail outlet XXXX as an subscription capital one made this mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute solution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 

Account Name : XXXX XXXX # XXXX - Date Opened XXXX/XXXX/2020

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 2025-04-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-23 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Genesis Credit Management is falsely reporting a debt tied to a former apartment lease. I was wrongfully removed from the apartment when the other tenant, XXXX XXXX, changed the XXXX locks without legal notice and denied me access. I was never the financially responsible party for the lease. During this time, I experienced ongoing emotional abuse from XXXX and physical intimidation and threats from his guest. The situation escalated to the point that I was granted a restraining order for my safety. 

I submitted a dispute to XXXX  ( Confirmation # XXXX ) with ID, proof of address, and supporting documents. Despite this, Genesis has flagged my credit report four times since XXXX. Ive now submitted updated evidence including screenshots of XXXX admitting he changed the locks, told me I had no right to return, and used threatening and abusive language. These events clearly show I was forced out of the apartment and had no control over the lease or financial obligation.

I am requesting the CFPB to investigate and require Genesis to permanently remove this inaccurate account from my credit report and stop all further reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inconsistent balances across bureaus EXPERIAN : {$1000.00} EQUIFAX : {$1000.00} XXXX  : {$0.00}

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc.
State: PA

Complaint narrative:
My wife and I both received phone calls from a 3rd party debt collector, Everest Debt Receivables, for a debt they were trying to collect my brother. They used intimidating tactics telling my wife they know where we live and that we just had a baby. They told her that my brother " owes a large amount of money to our client ''. We come to find out it was for roughly {$1300.00}. This is completely off base and they should never be contacting myself or my wife for debts of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT I am writing to formally demand the IMMEDIATE removal of fraudulent accounts and inquiries that have been reported on my credit file as a direct result of identity theft. These accounts were opened and/or used without my authorization and represent a gross violation of my personal and financial security.

I have already taken the appropriate steps to report this criminal activity. Attached are copies of the following documents for your reference : Identity Theft Report ( filed with [ Law Enforcement Agency, include case number ] ) Completed FTC Identity Theft Affidavit Government-issued identification Proof of address Any relevant documentation related to the fraudulent accounts It is unacceptable that I continue to suffer the consequences of criminal actions beyond my control. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to block and remove all information related to accounts that are proven to be fraudulent once proper documentation has been provided.

I demand that Experian IMMEDIATELY : Remove all fraudulent accounts and inquiries from my credit file.

Provide a written confirmation that these items have been permanently deleted.

Send an updated copy of my credit report reflecting these changes.

Failure to act swiftly will result in further legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies if necessary.

I want the removal of the listed accounts in my attachments within 4 days.

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 2025-04-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I am a victim of XX/XX/XXXX The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 

UNAUTHORIZED INQUIRIES :XX/XX/XXXX XXXX/XXXX/2025XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AZ

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX Balance - {$3200.00} Account Name : XXXXXXXX XXXX XXXXXXXX Balance XXXX {$2600.00} Account Name : XXXX XXXX  XXXX Balance - {$460.00} Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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 am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX 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 Balance {$660.00} Open Date XXXX XXXX, XXXX Inquiries XXXX  XXXX  Date XX/XX/XXXX XXXX/XXXX  Date XXXX XXXX, XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX/XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  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 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
" Today, Transworld Systems INC attempted to collect a debt that I do not recognize and that does not belong to me. ''

Company response to consumer: Closed with explanation