vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : 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 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 2025-05-27 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: AK

Complaint narrative:
I am the victim of identity theft. 

I submitted a dispute under FCRA 605B to XXXX XXXX/TransUnion/XXXX  ] through their online portal. I uploaded a full package including : FTC Identity Theft Report Government-issued ID Proof of address A detailed 605B dispute letter identifying all fraudulent accounts The credit bureau is legally required to delete or block these accounts within four ( 4 ) business days per FCRA 605B. I request CFPB oversight to ensure compliance, as these fraudulent accounts are causing significant financial harm.

I have attached my dispute letter and FTC Identity Theft Report to this complaint for reference.

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 2025-05-27 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: AK

Complaint narrative:
THE COMPANY KEEPS VIOLATING THE FCRA WONT FIX ERRORS DIDNT SEND PROPER DOCS

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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery. Im unaware of this debt and did not have oppertunity to dispute this account. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. If not, please delete my account as soon as possible from my report or I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 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 2025-05-26 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: NJ

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 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 2025-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Alorica Inc.
State: NM

Complaint narrative:
I received a written notice that XXXX XXXX XXXX XXXX XXXX XXXX was now the servicer of my debt, which was previously owed to XXXX XXXX XXXX XXXX. It states the debt was paid on XX/XX/XXXX and all credit bureaus will be updated accordingly. 

This debt was XXXX through bankruptcy in XXXX. It should not be transferred to or held by any company and there is no reason to contact me about its status or report anything regarding it to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: The CBE Group, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Unlawful Collection Reporting by CBE Group Account Number : XXXX To Whom It May Concern, I am formally disputing the inaccurate and unauthorized collection account reported by CBE Group, as shown on my XXXX  credit report with an opening date of XX/XX/year>. This reporting is unlawful, unverified, and constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

Please take notice of the following : 1. No Contract or Consent Given : I have no contractual relationship with CBE Group and did not authorize them to access, collect, or report any account on my personal credit file. Any third-party access to my personal financial data without my consent is a clear violation of my privacy rights and federal law.

2. Demand for Documentation : I hereby demand the following documents be provided as required under federal law and your duties to maintain accurate records : The original contract agreement or application bearing my wet signature, authorizing any debt or collection obligation. 
The complete chain of title, proving legal ownership, assignment, or lawful transfer of any alleged debt from the original creditor to CBE Group. 
Proof that CBE Group has legal standing and permissible purpose under 15 U.S. Code 1681b to report or collect on this alleged debt.

3. Violation of FCRA Inaccurate and Unverifiable Information : XXXX  has a duty under 15 U.S. Code 1681e ( b ) to ensure the accuracy and verifiability of all information it reports. An account allegedly opened in XX/XX/year> and already reported as past due by XX/XX/year> raises serious questions of falsification, as it is inconsistent with standard billing and reporting cycles. 
4. Defamation and Injury : The continued reporting of this unlawful collection entry has caused defamation of my character, injury to my personal and professional reputation, and interference with my access to credit and economic resources. This has resulted in damages to my livelihood. 
XXXX. Legal Notice of Intent : If this account is not permanently deleted from my XXXX credit report within thirty ( 30 ) days of your receipt of this notice, I will pursue legal action for violations under 15 U.S. Code 1681n ( willful noncompliance ), 1681o ( negligent noncompliance ), and applicable defamation and consumer protection laws. 

Demand for Immediate Action : I demand immediate removal of this account from my credit file and written confirmation of such action. I also demand the full documentation requested above be provided for my review. Absent full compliance, I will pursue all lawful remedies available to me. 

Sincerely, XXXX, XXXX XXXX XXXX, Executor of XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: SD

Complaint narrative:
Subject : Request for Investigation of Inaccurate Information on Credit Report Account Name : XXXX Account Number : XXXX Dear : CFPB Upon reviewing my recent credit report, I identified discrepancies related to the above-mentioned account. These inaccuracies are negatively impacting my creditworthiness. 

I respectfully request that you investigate this matter to ensure the information reported is accurate and up to date. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am submitting a formal complaint against Affirm regarding their use of inaccurate credit score information from TransUnion in making a credit decision. 

On XX/XX/XXXX, Affirm sent me an adverse action letter stating that my credit score from XXXX was XXXX, which they used to deny my application. However, when I pulled my actual XXXX  credit report at or near that same time, my credit score was XXXX a significant discrepancy of XXXX points. 

Affirms letter states : Our decision was based in whole or in part on information obtained from the following consumer reporting agency : XXXX XXXXXXXX. This consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you Your credit score : XXXX Date : XX/XX/XXXX Scores range from a low of XXXX to a high of XXXX. 

I believe Affirm either pulled outdated or inaccurate credit information or used a scoring model inconsistent with the version of my credit score I am entitled to review. This discrepancy adversely affected my creditworthiness and resulted in an unfair denial. 

I request the CFPB to investigate Affirms credit reporting and decision-making practices regarding my application, and require them to provide accurate, verifiable data in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Im unaware of this debt and did not have oppertunity to dispute this account. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. If not, please delete my account as soon as possible from my report or I will have to take legal actions.

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 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Cash App ( Block, Inc. ) for wrongfully restricting or closing my account without a valid explanation or due process. 

I believe the decision was influenced by XXXX  profiling or discrimination. I have contacted their support multiple times, and they have failed to provide an adequate response or reasoning. My funds are still being held, and I have not been informed of any resolution process. 

This is a violation of my rights under the Civil Rights Act and Equal Credit Opportunity Act. I am preparing legal action and demand that the CFPB investigate this matter, especially regarding how Cash App profiles and treats users of different XXXX backgrounds. 

My account username : XXXX XXXXXXXX Date of incident : XX/XX/year> Access Denied After Identity Theft Dear Cash App Legal/Support, I am following up on my previous message regarding the unjust restriction or closure of my account, XXXX XXXXXXXX. I need to bring a serious and time-sensitive matter to your attention : On XXXX/XXXX/2035, I notified Cash App that my wallet had been stolen, including my government-issued ID and drivers license. Despite this, I am still being asked to verify a previously verified account using documentation that I no longer have access to. 



This is unacceptable, unethical, and potentially illegal under federal consumer protection laws. Asking someone to verify an already-verified account especially after being notified of an identity theft shows a clear disregard for your own risk protocols and leaves victims like myself vulnerable to further harm. 



Let me be clear : I am being denied access to my account, not because of any wrongdoing on my part, but due to Cash Apps refusal to acknowledge the steps Ive already taken in good faith to secure and report my situation. 



As stated before, I am in the process of pursuing legal action and have already begun filing complaints with the CFPB, FTC, and my states Attorney Generals Civil Rights Bureau. 



I request the following within XXXX business days : Immediate access to my funds or a secure disbursement method A copy of your internal justification for the account restriction Assurance that your team will stop requiring stolen documentation to verify an existing identity If no resolution is provided, my attorney will proceed with legal filings against Cash App / Block , Inc . 



Sincerely, XXXX XXXX $ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
On XX/XX/year> I checked. My credit and found. Fraudalent. Accounts

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 2025-05-27 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:
On XX/XX/year> I checked. My credit and found. Fraudalent. Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
b"I DO NOT RECOGNIZE THESE ADDRESSES, PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU!\n\nFTC Report Number:\n XXXX\n First Name:\n XXXXXXXXn Middle Name:\n XXXX\n Last Name:\n XXXX\n Address:\n XXXX XXXX XXXX\n XXXXXXXX XXXX  XXXX\n XXXX\n Phone:\n XXXX\n Email:\n XXXX\n XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n Credit Card Opened by the Thief\n Company or Organization:\n the company\n Accounts or Charges\n Yes, fraudulent accounts or charges appear on my credit report\n Personal Information\n Addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.\n I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine,\n imprisonment, or both.\n XXXX XXXX XXXX\n XXXX XXXX XXXX\n XXXX\n Date\n Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses"

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 2025-05-27 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-27 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: MI

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. 
XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-05-27 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: MI

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. 
XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 non-monetary relief