vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX XX/XX/XXXX. {$2100.00} Closed Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Experian XXXX XXXX. - XX/XX/XXXX. Experian Experian XXXX XXXX. - XX/XX/XXXX. Experian Supporting Documentation Included : XXXX. A copy of my government-issued ID ( drivers license ). XXXX. A signed copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). XXXX. A copy of the police report documenting the identity theft incident. Relevant Background on Data Breaches My personally identifiable information ( PII ) may have been compromised during XXXX or more of the following data breaches, which have affected millions of consumers : Equifax ( XXXX ) : Exposed SSNs, birthdates, and credit information of XXXX XXXX individuals. XXXX / Experian ( XXXX ) : Compromised drivers license and SSNs of over XXXX XXXX applicants. XXXX XXXX XXXX XXXX XXXX : Included personal and financial data of XXXX XXXX individuals. These breaches likely contributed to the unauthorized use of my identity and the fraudulent activity on my credit file. Request for XXXX XXXX XXXX FCRA Section 605B, you are required to block these fraudulent accounts and inquiries from my credit report within XXXX ( XXXX ) business days of receiving this request and the supporting documentation. Additionally, please notify the creditors listed above that the disputed items were the result of identity theft and should no longer be pursued or reported. Please send written confirmation once the removal and blocking have been completed. If you need additional information, I am reachable at the contact information provided above. Thank you for your time and immediate attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Many years ago, my friend sent me money to buy something on his behalf and send it to him. When this was delayed and he couldn't get ahold of me, he filed a complaint with Venmo. They closed my account in response. I submitted my ID to verify and they did nothing about it. My wife opened an account and they banned that one as well. I have tried for many years to get them to remove the block on my account and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I spoke with an Experian representative by phone on Friday, XX/XX/2025, regarding my dispute about XXXX XXXX XXXX. 

During that call, the representative acknowledged that what XXXX XXXX is doing continuing to report monthly late payments on a charged-off account is incorrect and violates credit reporting guidelines. 

Despite this, Experian has not corrected the account. This ongoing inaccurate reporting is severely damaging my credit and preventing me from accessing fair financial opportunities. 

I am requesting immediate correction or removal of this account in compliance with the Fair Credit Reporting Act ( 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following personal information are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : 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 Experian

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Transunion is reporting Unauthorized Hard inquiries in which i am disputing such as XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, coaf XX/XX/XXXX. Under the fair credit reporting act, section XXXX ( XXXX usc XXXX ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report, Incorrect XXXX XXXX av XXXX nj XXXX XXXX XXXX XXXX va XXXX XXXX Incorrect Employment Info : XXXX XXXX XXXX XXXX XXXX XXXX Date Of XXXX Experian is reporting Unauthorized Hard Inquiries in which i am disputing such as XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Under the fair credit reporting act, section 611 ( 15 usc 1681i ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report, Incorrect XXXX XXXX XXXX XXXX nj XXXX XXXX east XXXX XXXX XXXX nj XXXX, Incorrect Employment Info : XXXX XXXX XXXX XXXX XXXX XXXX Date Of XXXX EquifaxHard inquiries in which i am disputing such as XXXX XXXX XXXX XX/XX/XXXX Under the fair credit reporting act, section 611 ( 15 usc 1681i ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report Incorrect Names : XXXX XXXX, Incorrect XXXX XXXX XXXX XXXX nj XXXX, Incorrect Employment Info : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NJ

Complaint narrative:
Transunion is reporting Unauthorized Hard inquiries in which i am disputing such as XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, coaf XX/XX/XXXX. Under the fair credit reporting act, section XXXX ( XXXX usc XXXX ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report, Incorrect XXXX XXXX av XXXX nj XXXX XXXX XXXX XXXX va XXXX XXXX Incorrect Employment Info : XXXX XXXX XXXX XXXX XXXX XXXX Date Of XXXX Experian is reporting Unauthorized Hard Inquiries in which i am disputing such as XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Under the fair credit reporting act, section 611 ( 15 usc 1681i ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report, Incorrect XXXX XXXX XXXX XXXX nj XXXX XXXX east XXXX XXXX XXXX nj XXXX, Incorrect Employment Info : XXXX XXXX XXXX XXXX XXXX XXXX Date Of XXXX EquifaxHard inquiries in which i am disputing such as XXXX XXXX XXXX XX/XX/XXXX Under the fair credit reporting act, section 611 ( 15 usc 1681i ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report Incorrect Names : XXXX XXXX, Incorrect XXXX XXXX XXXX XXXX nj XXXX, Incorrect Employment Info : XXXX XXXX XXXX XXXX, XXXXXXXX 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 2025-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied for a capital one secure line of credit building credit card with a soft pull and now they passed my information through the computer! Now it says XXXX XXXX pulled it 137 times in looks like the same day.And it all came from one inquiry!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Stellantis Financial Services US Corp.
State: LA

Complaint narrative:
I didnt not authorize anything with these companys nor was in 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 2025-07-20 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I didnt not authorize anything with these companys nor was in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
hi i submitted a complaint against this company before complaint number ( XXXX ) stating that " on or around the date of XX/XX/year> cash app took funds from my cash app account in the amount of XXXX dollars because the cash app user XXXX XXXXXXXX filed a fraudulent claim that he had mistakenly paid the amount to me when in fact he willing and purposely sent that payment to me. when i informed cash app of the situation they told me it was nothing they could do, after taking funds out of my cash app account, i have proof in the form of text messages that proves that this payment was indeed sent to me correctly and that cash app allowed this and enabled it also. 

I was told i was part of some ongoing situation or complaint but never received any more info or communications on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of an account currently appearing on my TransUnion credit report. The entry in question is from XXXX XXXX XXXX XXXX XXXX, listed under the account number referenced above. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that this account be immediately investigated and removed from my credit report unless XXXX XXXX XXXX can provide complete and verifiable documentation to substantiate the following : 1. A signed contract or agreement showing I have a legal obligation to repay this alleged debt ; 2. The full chain of title showing a lawful and documented assignment from the original creditor to XXXX XXXX XXXX ; XXXX. A full itemization of the balance reported, including all interest, fees, and charges ; 4. The original creditor 's name, the original account number, and the date of first delinquency ; 5. The name and address associated with the account at the time the alleged debt was incurred ; 6. Verification that the account information matches my identity, including the last four digits of the Social Security number and date of birth on file. 
As of today, XXXX XXXX XXXX has failed to provide this information in response to my direct validation request. Continued reporting of this unverified and potentially inaccurate account constitutes a violation of your responsibilities under 15 U.S.C. 1681i ( a ) and 1681e ( b ), which require credit reporting agencies to ensure maximum possible accuracy in the information they report.

This account is having a materially negative impact on my credit score and creditworthiness, and is affecting my ability to obtain new credit. If you can not verify the accuracy of this item within the required 30-day timeframe, you are obligated to delete it from my credit file.

Please provide me with written confirmation of the results of your investigation and a copy of the revised report if changes are made. If no changes are made, I request that a detailed explanation and description of the procedures used during the investigation be provided, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
This is a time-sensitive legal matter. I expect your full compliance as prescribed by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
There are XXXX addresses listed on my consumer report that are invalid. I am not associated with these addresses and have attempted to remove this information from my personal credit report. The credit bureaus are obligated to update and remove any information that is incorrect. It is against the law to report and continue to report information that is not 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 2025-07-20 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: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end Consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The amount is for {$700.00} The original credit was XXXX  XXXX XXXX  The original date with the original creditor was XX/XX/year>2022 I have reached out to let resurgent Capitol Services to let them know this was not my account and that my information was used fraudulently and to supply me with the original documentation with my signature and all they have sent me was a copy of a bill...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 a victim of identity theft. I mailed all three credit bureaus Experian, Equifax, and TransUnion a complete packet of required documents, including : A copy of the police report My FTC Identity Theft Report A written request to remove fraudulent accounts and freeze my credit A copy of my ID and proof of address Despite this, I received a response from Experian claiming they did not receive the police report, even though it was included in the same envelope as the rest of the documentation. Equifax and TransUnion have also failed to take proper action. Fraudulent accounts remain on my credit reports, and Ive had no way to communicate with a live person at any of the bureaus. 

All three bureaus have made it nearly impossible to get help : Their customer service numbers do not connect to real people All email addresses Ive tried bounce back or go unanswered I am left with no way to defend myself or correct my credit These failures are harming my financial life. I can not afford credit repair companies and shouldnt have to pay to fix something I did not cause.

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 2025-07-20 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: CA

Complaint narrative:
I am a victim of identity theft. I mailed all three credit bureaus Experian, Equifax, and TransUnion a complete packet of required documents, including : A copy of the police report My FTC Identity Theft Report A written request to remove fraudulent accounts and freeze my credit A copy of my ID and proof of address Despite this, I received a response from Experian claiming they did not receive the police report, even though it was included in the same envelope as the rest of the documentation. Equifax and TransUnion have also failed to take proper action. Fraudulent accounts remain on my credit reports, and Ive had no way to communicate with a live person at any of the bureaus. 

All three bureaus have made it nearly impossible to get help : Their customer service numbers do not connect to real people All email addresses Ive tried bounce back or go unanswered I am left with no way to defend myself or correct my credit These failures are harming my financial life. I can not afford credit repair companies and shouldnt have to pay to fix something I did not cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been writing this bureau for MONTHS now trying to get them to correct their OWN MISTAKES. They are consistently reporting incorrect names, addresses, and unauthorized inquiries on my report. They are in violation of so many FCRA laws it is ridiculous. I began writing them in XXXX of XXXX, then XX/XX/XXXX. I have not received any communication and my report is still the same. 

First of all, based on FCRA ( FAIR CREDIT REPORTING ACT ) 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is a direct violation of 15 USC 1681 and all of its subsections.

Second of all, there is a law that they are also fully violating - FCRA 15 USC1681b - PERMISSIBLE PURPOSE!!! I have not authorized or participated in ANY transaction which allowed any company to perform an INQUIRY of my credit information and I demand that ALL inquiries older than 30 days that are not tied to an undisputed active account be deleted IMMEDIATELY! 

Third of all, according to XXXX XXXX XXXX  XXXX, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate information continually being reported violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Each item in dispute must be deleted immediately. 

I feel violated and abused by this company. They have unfair practices that are impacting my ability to live without hardship.

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