vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to Experian via XXXX Mail ( Tracking # XXXX ). The letter included disputes regarding collection accounts being reported by XXXX XXXX XXXX and other furnishers. Along with the dispute, I included all required documentation : a notarized affidavit of identity, photo ID, Social Security card, and a utility bill to confirm my identity and address. 

Experian acknowledged receipt, yet failed to comply with the Fair Credit Reporting Act ( FCRA ). Rather than providing documented verification of the account ( XXXX ) from the original creditoras required by FCRA 1681i ( a ) ( 1 ), 1681i ( a ) ( 2 ) ( B ), and 1681i ( a ) ( 5 ) Experian responded with a vague confirmation that the furnishers verified the information, without supplying any supporting documentation. 

Additionally, the data furnisher ( XXXX XXXX XXXX ) directed me to a login portal that showed a balance but explicitly stated No Supporting Documents. No contract, billing history, or legally sufficient proof was provided. According to the FCRA, digital references or internal logs are not valid verification. 

As of XX/XX/year>, Experian was confirmed to have received my dispute via certified mail and failed to provide a legally compliant response within the XXXX reinvestigation window. This delay and failure to supply evidence violates multiple sections of the FCRA and undermines my rights as a consumer.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXXI am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items:\n\nInquiries: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 resolution 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 2025-05-06 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Hard credit inquiries mad without my permission that affected my credit score. These were unauthorized credit runs ran on XX/XX/XXXX and i would like them off my account please.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
I just happened to see a balance on my credit report, but never got notification it was in collections. I looked up the company that was my on credit report and found out that way it was debt collection company.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was charged {$74.00} on XX/XX/XXXX for a transaction that was never made. 

I was mistakingly charged for an Annual subscription with the XXXX XXXX on my XXXX account. I cancelled the subscription. They sent {$74.00} charge to my XXXX account ( which is connected to my XXXX account. It was more than the amount of money in my XXXX account so they charged my credit card on file with them. 

When I called my credit card company the y disputed the charge to XXXX, closed my account, and sent me a new card. 

XXXX disputed my dispute and said they had nothing to do with the charge. XXXX says I own nothing for the subscription. THIS IS A MESS!.

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 monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I submitted a written notice of refusal to pay to Spring Oaks Capital, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This notice clearly revoked their right to continue communicating or attempting to collect the alleged debt.

Despite receipt of that refusal notice, Spring Oaks Capital has : Continued to report the alleged debt on my credit report Failed to note the account as disputed in violation of 15 U.S.C. 1692e ( 8 ) Failed to cease collection activity, despite lacking validation of the debt or any lawful reason to continue reporting it This behavior is not only deceptive but unlawful, and it has caused harm to my creditworthiness and emotional distress. My request was clear and lawfully submitted, yet they have ignored it and continued negative credit reporting. 

These actions mirror past CFPB enforcement patterns, such as the XXXX case where the CFPB shut down XXXX XXXX XXXX for continuing to collect and report debts after disputes and validation failures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My information have been in numerous data breaches and my information has been exposed to fraudulent activities. I have found numerous accounts and addresses on my credit report that do not belong to me. I would like them to be removed from all credit bureau and verification agencies.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NJ

Complaint narrative:
2nd time doing this first complaint got me no where this is getting pretty frustrating XXXX  charge my card for XXXX on XX/XX/year> the refunded me my money back on XX/XX/year> because I was already charged on my XXXX XXXX  card then I saw my money back on my cash app and got a message thru cash app stating the payment was reversed then come Monday the money was gone again and XXXX says they returned which I saw it and cash app sent me a notification stating it was returned yet they now say they have no message and XXXX  never refunded The receipt from merchant XXXX refunding my money into cashapp XXXX XXXXXXXX on XX/XX/year> receipt id # XXXX from the merchant XXXX my name is XXXX XXXX my email is XXXX XXXX XXXX number is XXXX I just want this issue resolved and my money back thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Validate/investigate inaccurately reported late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. 

Pursuant to XXXX XXXX. XXXX, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under 15 U.S.C. XXXXb ( XXXX ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in 15 U.S.C. XXXX ( XXXX ). 

I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention. 
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections XXXXXXXX ( d ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. 

Pursuant to XXXX XXXX. XXXX, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under 15 U.S.C. XXXXb ( XXXX ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in 15 U.S.C. XXXX ( XXXX ). 

I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention. 
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections XXXXXXXX ( d ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX RE : Formal Complaint Unauthorized Hard Inquiries on My Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, This letter is a formal complaint regarding unauthorized and unverified hard inquiries that have appeared on my credit reports from XXXX XXXX XXXX XXXX These inquiries were not authorized by me, and I never applied for credit with many of these entities, nor did I provide consent for them to access my credit file.Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), no entity may access a consumers credit report without a valid permissible purpose and express authorization. The presence of these inquiries without supporting authorization documentation is a clear violation of federal consumer protection laws. Despite attempts to address this directly with the credit reporting agencies, the inquiries remain and continue to negatively affect my credit profile.Unauthorized Hard Inquiries ( Sample Full List Attached ) XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX700 CREDIT/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / 700 CREDITXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLegal Grounds and Supporting Case LawPer FCRA 604 , credit inquiries are only lawful with consumer authorization and a legitimate purpose. I was never presented with any disclosure or application related to many of these creditors. Therefore, these inquiries were made unlawfully.Case Law References : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) bureaus must remove unverified data.Middleton v. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX failure to remove unverifiable inquiries creates XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) accessing a consumer report without consent violates FCRA.Requested ActionI respectfully request that the CFPB investigate this matter and : Require documentation from each credit bureau verifying that each listed inquiry was properly authorized.Direct the removal of all inquiries that lack proper signed authorization or permissible purpose.Provide a full written response and resolution from each credit reporting agency involved.Thank you for your attention to this matter. I appreciate your assistance in enforcing federal consumer protections on my behalf.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation