vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 : INQUIRIES : XXXXXXXX XXXX  XXXX Date : XX/XX/year>

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and identified hard inquiries that were made without my consent or prior knowledge. I have never authorized any entities to access my credit file during that time period, and I consider this activity fraudulent.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-07-23 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: FL

Complaint narrative:
Starting on XX/XX/year> I started receiving unauthorized charges on my cash app debit card The first charge was for XXXX cXXXXnt on XX/XX/XXXX. The total of unauthorized charges from XXXX amount to {$28.00}. Those charges ran from XXXX XXXX to XXXX XX/XX/year>. I contacted Cash app Support over the phone and I received {$23.00} in refunds with no problem, then I received an email from Cash app Support wanting to know if I was disputing a XXXX Cent charge from a company called XXXX I never heard of that company and I didnt approve the charge so I clicked on. Yes I dispute it and then I received an email request requesting me to verify my identity through the automated system when I sent my ID and I took a picture of myself and sent it and it hadnt hit me that a week prior my ID expired on my birthday XX/XX/XXXX the cash app system could not verify my identity and then I received an email stating that I had until XX/XX/XXXX to verify my identity or my card would be deactivated. I could not get an appointment with the XXXX  Dmv until XX/XX/XXXX. I contacted phone support several times and explain the issue. However, my card was still deactivated and I never received the rest of my disputed funds even though I explained the situation to supposed supervisors at cash app my card was deactivated, and I never received the rest of the money that was fraudulently taken out of my account. All I receive in response from Cash app is that their decision is final. 
I have all the supporting emails from Cash app showing that Ive been told different things several times on how to reactivate my card or I could not receive another card because they cant verify my identity. I have been with Cash app for over three years and I never had an issue with them until now and its all over an expired ID. I even have a confirmation email stating that but cash app supportclaims they can not fix this or give me my money back for the other chargers. Cash app site claims that they have 24 hour credit fraud monitoring however for some reason one continual charge after another from XXXX XXXX  to {$3.00} on XXXX XXXX  which I had never used up until that point and whatever company. XXXX XXXX is supposed to be. I have never used them either and theres nothing on my account that ever showed otherwise. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXX, VA XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNTS The following accounts are being reported under my name and are formally disputed : Acct # XXXX {$1200.00} Acct # XXXX {$1200.00} To Whom It May Concern, This is a formal dispute and demand for complete legal validation regarding the above-referenced accounts currently being reported by Portfolio Recovery Associates ( PRA ) . I do not acknowledge these alleged debts, and I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501.

You are hereby notified to immediately cease all reporting and collection activity until you can provide the following documentation for each account individually : The Original Signed Credit Application or Contract between myself and XXXX XXXX, bearing my wet signature. No reproductions or generic templates are acceptable. 
A Binding Agreement proving that I agreed to the alleged terms, amounts, and any transfer of this debt to your agency. 
A Complete Flow Sheet or ledger that documents all charges, interest, payments, and activity from origination to the alleged balance.

Proof of Legal Assignment and Chain of Custody, including contracts and purchase agreements that show your legal right to collect.

Proof that the debt is not past the Statute of Limitations for collection in Illinois, with clear documentation of the last activity date and timeline.

Proof of Licensing to Collect in Illinois, including your active collection license number and name of the issuing agency.

The full name, department, and direct contact info of the individual who verified this debt with any credit reporting agency.

A sworn written statement that XXXX or any other automated verification system was NOT used, as these are not legally valid reinvestigation tools under the FCRA.

A billing statement or summary printout does NOT constitute legal validation. If you can not produce every item listed above for both accounts, you must : Immediately delete these accounts from XXXX, XXXX, and XXXX  Cease all collection and communication efforts Failure to respond with full legal validation within 15 calendar days of receipt of this letter will result in the following : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Illinois Attorney Generals Office Legal action to seek statutory damages for violations of federal and state consumer protection laws Under UCC 1-308, I reserve all rights without prejudice. This is your final opportunity to comply with the law. 

Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Equifax for failing to properly investigate multiple unauthorized hard inquiries on my credit report. I submitted an identity theft report and requested that these fraudulent inquiries be removed from my file. However, Equifax responded in less than 24 hours without any proper investigation, verification, or supporting documentation to show that these inquiries were legitimately made by me. This hasty and dismissive response suggests that Equifax did not conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681c-2. These laws entitle consumers to dispute inaccurate information and require credit reporting agencies to block fraudulent data following an identity theft report. Equifax is in violation of my rights by allowing these fraudulent inquiries to remain on my credit report despite my timely dispute and the presence of an identity theft report. I have attached the dispute result with no further proof of their findings.

Here are the unauthorized inquiries that I did not initiate : 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 These inquiries are severely damaging my credit profile and are the result of identity theft. Equifaxs failure to appropriately act on my report of fraud and block these inquiries is unacceptable and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion for reporting inaccurate, misleading, and unverifiable accounts that are no longer owned by the creditors listed. According to the creditors own SEC filings and prospectus documents, they have sold, securitized, pledged, or transferred ownership of the receivables associated with these accounts, yet the credit bureaus continue to report these creditors as the legal owners. 

Accounts in question include : XXXX XXXX multiple accounts ( credit card and auto loan ) XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX / # XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX / # XXXX XXXX XXXX XXXX XXXX, XXXX. Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX Each of these furnishers has publicly acknowledged that the receivables were transferred to trusts ( e.g., XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX Account XXXX XXXX, XXXX, etc. ), and that the original bank is now acting only as servicer. Despite this, the credit bureaus continue to show the banks as if they were still the legal owners, often reporting these as charge-offs, collections, or with delinquency statuses. 

This constitutes furnishing false information in violation of : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681s-2 knowingly reporting false information FCRA 1681i ( a ) ( 5 ) ( A ) failure to delete unverifiable items TILA 1638 ( a ) & Reg Z nondisclosure of assignment/sale GLBA XXXX  improper sharing of nonpublic personal information UCC 9-210 refusal to provide full chain of title FDCPA XXXX misrepresentation of debt ownership 18 U.S.C. 1956 potential financial misrepresentation or laundering The credit bureaus are legally obligated to investigate and correct inaccurate information, especially when the reporting entities have no continued legal or beneficial ownership interest in the account. I have not received proof of ownership from any of these furnishers or the bureaus. I am demanding the immediate deletion of these accounts under FCRA 1681i and requesting that the CFPB open an investigation into this systemic misconduct.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion for reporting inaccurate, misleading, and unverifiable accounts that are no longer owned by the creditors listed. According to the creditors own SEC filings and prospectus documents, they have sold, securitized, pledged, or transferred ownership of the receivables associated with these accounts, yet the credit bureaus continue to report these creditors as the legal owners. 

Accounts in question include : XXXX XXXX multiple accounts ( credit card and auto loan ) XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX / # XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX / # XXXX XXXX XXXX XXXX XXXX, XXXX. Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX Each of these furnishers has publicly acknowledged that the receivables were transferred to trusts ( e.g., XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX Account XXXX XXXX, XXXX, etc. ), and that the original bank is now acting only as servicer. Despite this, the credit bureaus continue to show the banks as if they were still the legal owners, often reporting these as charge-offs, collections, or with delinquency statuses. 

This constitutes furnishing false information in violation of : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681s-2 knowingly reporting false information FCRA 1681i ( a ) ( 5 ) ( A ) failure to delete unverifiable items TILA 1638 ( a ) & Reg Z nondisclosure of assignment/sale GLBA XXXX  improper sharing of nonpublic personal information UCC 9-210 refusal to provide full chain of title FDCPA XXXX misrepresentation of debt ownership 18 U.S.C. 1956 potential financial misrepresentation or laundering The credit bureaus are legally obligated to investigate and correct inaccurate information, especially when the reporting entities have no continued legal or beneficial ownership interest in the account. I have not received proof of ownership from any of these furnishers or the bureaus. I am demanding the immediate deletion of these accounts under FCRA 1681i and requesting that the CFPB open an investigation into this systemic misconduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
My Experian account has been hijacked by some other user. The email and phone numbers are not mine. I spent two days for several hours trying to inform a real person at Experian, only to get a automated voice that either sends be to disputes or dumps the call. When speaking to a real person in disputes they say only membership can help. I explain that we can't reach a real person, disputes says that there is no direct line to transfer me to, that I have to through the automated voice. Very frustrating that someone has hijacked my account and they won't help. Googling this issue displays several complaints similar to mine and this has been a ongoing issue going back 3 years ago. Experian needs to be held accountable. Please help me.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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