vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I am disputing the presence of a hard inquiry that I did not authorize. I never applied for credit or services that would have necessitated a credit check from the party in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I requested that the company to update account and credit reporting history or remove all reporting of account and company refused and have failed to do so. At this point i wish to either have account deleted and removed or to pursue legal actions for false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested that the company to update account and credit reporting history or remove all reporting of account and company refused and have failed to do so. At this point i wish to either have account deleted and removed or to pursue legal actions for false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santandder is violating my consumer Rights 15 USC 1601 placing reports twice on my credit report after I advised them before they are improperly reporting my credit to hinder me 15 USC 1666b for mate payments after mentioning t was a victim of identity theft during the time they started reporting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

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 2025-07-09 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: TX

Complaint narrative:
Im writing to dispute an account on my credit report from XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX ). The information reported is inconsistent and inaccurate : Just one is example is, The high credit is listed as {$0.00} on some reports and {$210.00} on others.

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. They also violate Texas Business and Commerce Code 20.06, which requires consumer reporting agencies to maintain complete and accurate files.

Because of these reporting errors, Im requesting that this account be deleted from my credit report. Please inv
estigate and remove it since all 3 credit bureaus failed to verify this account accurately.

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 2025-07-09 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'I am submitting a formal complaint regarding inaccurate and unauthorized items \nappearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it cannot be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-09 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: Block, Inc.
State: VA

Complaint narrative:
Cash App denied my dispute of an order not being received after only XXXX days of me submitting the dispute, which clearly shows they did not properly investigate this issue, even after I submitted proof with the first dispute. Cash App does fraudulent activity with consumers accounts due to them accepting huge payments through their platform, but not fully protecting their consumers. I have submitted this dispute once again on top of contacting the CFPB to assist me as well to ensure Cash App does the right thing and not only gives me my money back, but also improve on their awful business practices which I am sure some are illegal. I have submitted proof once again showing an email from the merchant to show that this order was scheduled to be canceled due to them requesting me to send my State ID for verification, which is never done to make purchases online. Cash App needs to retrieve my money from this seller and place the balance back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Credit Bureau Dispute Violation of 15 U.S. Code 1681s2 To Whom It May Concern, This letter serves as a formal dispute of information being reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s2, I am requesting that your agency initiate a reinvestigation into the inaccurate or unverifiable information being reported by XXXX and XXXX XXXX. 
XXXX removed all fee 's but did not update inaccurate information sent to the credit bureau. 

Account Details in Dispute : Creditor : XXXX Account XXXX : XXXX Creditor : XXXX XXXX Account Number : XXXX Type of Dispute : Inaccurate Account Information I am exercising my rights under the FCRA, specifically 15 U.S. Code 1681s2 ( a ), which states that furnishers must report accurate information and correct any previously reported information that they later find to be inaccurate or incomplete. If they are notified of a dispute regarding the completeness or accuracy of any information, they are required by law to investigate and report the results to the consumer reporting agency. Please remove or correct the inaccurate information within the XXXX period as required by federal law. 

If this account can not be verified or corrected, it must be removed from my credit file in accordance with the FCRA. 

Please provide a written confirmation of the outcome of your reinvestigation. If the item remains on my report after 30 days without sufficient validation, I will consider further legal action or complaints with the CFPB and other regulatory bodies. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
Dear CFPB, I am submitting this formal complaint to request immediate action regarding multiple fraudulent accounts appearing on my credit report that I did not open or authorize. Despite my repeated disputes with the credit bureaus ( XXXX, XXXX, and XXXX  ) and the creditors, these accounts remain unresolved. 

# # # * * Fraudulent Accounts to Be Removed : * * XXXX. * * XXXX XXXX * * [ Account # if known ] XXXX. * * XXXX XXXX * * [ Account # if known ] XXXX. * * XXXX XXXX ( XXXX XXXX XXXX  or similar ) * * [ Account # if known ] 4. * * Credit Acceptance Co. * * [ Account # if known ] # # # * * Background & Violations : * * - I am a victim of * * identity theft/fraud * *, and these accounts * * do not belong to me * *. 
- I have previously disputed these accounts with the credit bureaus, but they have failed to correct the errors. 
- The continued reporting of these fraudulent accounts violates : - * * Fair Credit Reporting Act ( FCRA ) 605B * * ( 15 U.S.C. 1681c-2 ) requiring deletion of fraudulent information.

- * * FACTA * * which mandates proper fraud investigation and resolution.

- * * CFPBs regulations * * on credit reporting accuracy.

# # # * * Demands : * * 1. * * Immediate deletion * * of all fraudulent accounts listed above from my credit reports.

2. * * Notification to the creditors ( furnishers ) * * that these accounts are fraudulent and must be corrected.

3. * * Confirmation in writing * * that these accounts have been removed. 
4. * * Investigation into why previous disputes were ignored * *, potentially warranting penalties under 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 2025-07-09 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: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
Dear CFPB, I am submitting this formal complaint to request immediate action regarding multiple fraudulent accounts appearing on my credit report that I did not open or authorize. Despite my repeated disputes with the credit bureaus ( XXXX, XXXX, and XXXX  ) and the creditors, these accounts remain unresolved. 

# # # * * Fraudulent Accounts to Be Removed : * * XXXX. * * XXXX XXXX * * [ Account # if known ] XXXX. * * XXXX XXXX * * [ Account # if known ] XXXX. * * XXXX  Indigo ( XXXX XXXX XXXX  or similar ) * * [ Account # if known ] XXXX. * * XXXX XXXX XXXX * * [ Account # if known ] # # # * * Background & Violations : * * - I am a victim of * * identity theft/fraud * *, and these accounts * * do not belong to me * *. 
- I have previously disputed these accounts with the credit bureaus, but they have failed to correct the errors. 
- The continued reporting of these fraudulent accounts violates : - * * Fair Credit Reporting Act ( FCRA ) 605B * * ( 15 U.S.C. 1681c-2 ) requiring deletion of fraudulent information.

- * * FACTA * * which mandates proper fraud investigation and resolution.

- * * CFPBs regulations * * on credit reporting accuracy.

# # # * * Demands : * * 1. * * Immediate deletion * * of all fraudulent accounts listed above from my credit reports.

2. * * Notification to the creditors ( furnishers ) * * that these accounts are fraudulent and must be corrected.

3. * * Confirmation in writing * * that these accounts have been removed.

4. * * Investigation into why previous disputes were ignored * *, potentially warranting penalties under the FCRA.

Company response to consumer: Closed with explanation