vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: AL

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 identity 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 : Under 1681b, 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 Federal 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 15 U.S.C. 1681i ( a ) ( 1 ) ( 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.

15 U.S. Code 1681b 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.

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S. Code 1681 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 2025-08-03 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: CA

Complaint narrative:
On XX/XX/year> someone logged into my cash app account on an unrecognized device and made XXXX unauthorized transactions of {$20.00} each ( {$80.00} in total ). The first transaction was at XXXX pm for {$20.00}. All XXXX transactions happened in a XXXX minute span the first one was at XXXX XXXX, the second one was at XXXX XXXX, the third one happened at XXXX XXXX  and the last one was at XXXX XXXX. Also I have a notification at XXXX XXXX  ( three minutes before the first transaction ) that shows that an unrecognized device logged onto my cash app. I have contacted cash app support regarding this situation but so far they haven't told me weather or not they are going to be able to help me. 
I have already made sure to change my password to my email address and to take my account off any unauthorized device so I have secured my account now but my account somehow still was able to be hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
My information was exposed in a data breach. As a result my personal information was shared/released without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XX/XX/XXXX Subject : Identity Theft Report and Request to Block Fraudulent Accounts To Whom It May Concern, I am writing to formally notify you that I have been a victim of identity theft. I have reason to believe this may be related to the Equifax data breach that occurred in XXXX, which compromised the personal information of millions of individuals, including mine. 

As a result of this breach, unauthorized accounts have been fraudulently opened in my name without my knowledge or consent. I am requesting that the fraudulent accounts listed below be immediately blocked from appearing on my credit report and permanently removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which provides identity theft victims the right to block such information.

I have attached the following documentation to support my claim : 1. A copy of my government-issued photo identification 2. A copy of a recent utility bill or other proof of address 3. A copy of the Federal Trade Commission ( FTC ) Identity Theft Report ( or police report, if available ) 4. A signed statement attesting that these accounts were opened fraudulently Please investigate this matter, block the fraudulent accounts from my credit file, and send me written confirmation once the necessary actions have been completed. If you require any additional information, I can be reached at the contact details above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XXXX i placed an order for marketing materials for my business, the packet would include business cards, standing banner and table banner to use at sales events. I placed the order and uploaded my logo and colors fonts and so on. Finally, I paid for it with a company called XXXX and waited. On XX/XX/XXXX the proof comes it was no colors just in XXXX and white I questioned it and from that day to this I never heard from Branded by XXXX again. However, my account for my credit card was being charged. I spoked through email to AfterPay concerning me being charged for a product I never received via email and phone I was told to try reaching out to Branded By XXXX because they had already paid her but yet again no response at all from XXXX. I have not ever received any product from this company. Feeling powerless I contacted the Attorney General Office her in Minnesota to help me with this issue with paying for something I never received. unfortunately, she never responded to them either. I called my bank to stop any more payments and got a new credit card so now i have this collection agency for XXXX contacting through email for the remainder amount due for products I have yet to received. What took so long is in XXXX I and a long illness and then my husband had a XXXX in XXXX, but this has been an unfortunate event. i need to upload the documents to support my claim not really sure how but hopefully i can get this done at a later time if I can't today. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i requested validation from XXXX XXXX XXXX about an alleged debt that claim i owe. I requested the assignment of contract, chain of custody and proof of ownership and they responded by stating that they are going to cease further collection but never provided no validation at all. however, they are reporting to my consumer file with out validation which is serious violation under fdcpa and fcra

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 2025-08-04 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: CA

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 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 2025-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

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 168XXXX. 
Capital One # XXXX, XXXX XXXX  XXXX # XXXX capital one : # 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal consumer complaint submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding multiple unauthorized hard inquiries listed on my Experian credit report. I am demanding immediate action from the Consumer Financial Protection Bureau ( CFPB ) to investigate and resolve these violations in accordance with federal law. 

I am disputing the following hard inquiries, which I did not authorize, consent to, or initiate in any form : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> XXXX  XXXX  Inquiry Date : XX/XX/year> XXXX  Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> These inquiries appear on my credit file with Experian without my knowledge or express written consent. As such, they may violate FCRA 1681b ( f ), which prohibits the use or obtaining of consumer reports without a permissible purpose, as well as FCRA 604 ( a ) ( 3 ), which restricts access to reports unless explicitly authorized.

Despite my clear lack of a credit application or relationship with these entities at the time of the inquiries, these entries are adversely impacting my creditworthiness, which is a direct violation of my rights as protected under federal consumer law. 
I am demanding the following corrective actions : 1. Immediate removal of all unauthorized inquiries from my Experian credit report.

2. A full investigation into whether the named entities obtained my consumer report under false pretenses or without permissible purpose.

3. Civil penalties, fines, and compliance action against any entity found in violation of FCRA or FDCPA obligations.

4. Documentation verifying the source of the inquiry, the authorization used, and the purpose of each data access attempt. 

XXXX. A formal and written confirmation of the deletion and resolution of this matter, sent directly to me. 

Please treat this as a formal dispute and complaint. I am prepared to escalate this issue with legal representation should there be no timely and lawful resolution in compliance with FCRA 611 ( a ), 604 ( a ), and 615. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX 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 2025-08-03 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$33000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$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 2025-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: VA

Complaint narrative:
My account was compromised, and was provided a letter that my account was involved i. The cashapp data breach. Subsequently my account was banned, funds lost ( although my claim has been filed we are all still eating on the results of individual claims ) that being said into t believe my information or account should have been banned. I personally didn't do anything wrong, and cashapp although not admitting fault is the party to blame as far as culpability is concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the continued reporting of an inaccurate and legally invalid debt by [ Creditor Name ] and the credit reporting agencies XXXX, XXXX, and XXXX. 

I was sued by Capital One XXXX in XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, related to an alleged credit card debt. After a hearing, the court issued a full dismissal on XX/XX/year> due to the plaintiff 's lack of standing and failure to establish legal entitlement to the debt. The dismissal was with prejudice, and no appeal was filed. Therefore, the creditor has no legal authority to collect or report this debt. 

Despite sending copies of the court judgment and dismissal to all XXXX  credit bureaus and the creditor on multiple occasions including formal written disputes sent by certified mail the account continues to appear on my credit reports as derogatory and unpaid. This is inaccurate and misleading. 

The Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires that credit bureaus maintain procedures to assure the maximum possible accuracy of information. Reporting a debt that a court has dismissed in its entirety, especially after a traverse hearing, is not accurate. The creditor also violated its duties under 15 U.S.C. 1681s-2 ( b ) by failing to properly investigate and update its reporting after receiving notice of the dismissal. 

Reporting a debt based on a void proceeding is inaccurate, as there is no legal finding or obligation. For example, in XXXX XXXX  : If a traverse hearing finds bad service, the court must dismiss the case for lack of personal jurisdiction ( see XXXXXXXX XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ). A creditor or collector can not legally report a debt as collectible if they never had standing or personal jurisdiction to pursue it in court. 

Section 1681s-2 ( b ) of FCRA : Once you notify the furnisher of this legal defect and they continue to report the debt without correcting or removing it, they're violating the law. 

This ongoing reporting has harmed my credit score, caused a denial of credit, and has created unnecessary stress and reputational damage. I am requesting that : XXXX. The account be * * fully deleted * * from my credit reports, not just marked as disputed or paid. 
XXXX. The credit bureaus and creditor/furnisher be held accountable for failing to comply with the FCRA. 
XXXX. My complaint be investigated as a willful violation under the FCRA, with appropriate regulatory consequences. 

I have attached the court order and copies of my written disputes and credit reports for reference. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/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 2025-08-03 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: IL

Complaint narrative:
I am disputing multiple inaccurate and fraudulent accounts reported on my credit file by the major credit reporting agencies Equifax, TransUnion, and Experian. These accounts were opened and/or reported during a time when I was incarcerated and had no access or ability to authorize or open any accounts. My incarceration lasted from XX/XX/XXXX to XX/XX/XXXX, and many of these accounts were added within that period. 

I did not give written consent to any creditor or furnisher to access or report my information to the credit bureaus under 15 USC 1681b ( a ) ( 2 ) and 1681i ( a ) ( 5 ) ( A ). These accounts were furnished in violation of the Fair Credit Reporting Act ( FCRA ), and the credit bureaus failed to verify or validate these entries accurately before including them on my file, violating 15 USC 1681e ( b ).

I have already submitted dispute requests to the credit bureaus, but I am not satisfied with the handling or the ongoing investigation status. Many of the accounts in question : Are fraudulent Lack any documentation of my consent or authorization Were reported while I was incarcerated and unable to act in the marketplace Continue to harm my credit profile and limit my opportunities post-incarceration I am requesting a full reinvestigation of each item in question and removal of any unverifiable or inaccurate account information. I am also requesting an audit trail of who accessed and furnished information on my credit file without proper legal authorization during the time of my incarceration. 

Please take formal action to investigate these violations and ensure compliance with the FCRA.

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 2025-08-03 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: GA

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, XXXX  Experian Information Solutions XXXX XXXX, DEFENDENT Case Number : XXXX XXXX  ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX XXXX Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for XXXX Consumer Financial Protection Bureau

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