vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: MO

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not apply to these companies nor did I authorize them to access my credit information. This is a clear violation of my rights as a consumer. My credit and privacy are extremely important to me, and with everything else going on in my life, I should not have to deal with unauthorized activity on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
I submitted a written dispute to Experian regarding several inaccurate and unverifiable accounts, including charge-offs and collection entries. It has been over 30 days, and they failed to properly investigate or validate the information, as required under the Fair Credit Reporting Act ( FCRA ). These negative items are affecting my credit score and creditworthiness.

I am requesting that the CFPB require Experian to fully investigate and remove any accounts that can not be verified or were not properly validated. 

See attached documents for my dispute letter and a copy of the report with highlighted accounts 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 2025-07-17 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: TX

Complaint narrative:
I am writing to formally dispute several charge-off accounts listed on my Experian credit report, which are inaccurate, incomplete, and potentially unverifiable. These accounts are negatively impacting my credit profile, and I am requesting their removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2.

The following accounts are in dispute : XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX XXXX Account ending in XXXX  Status : Charged off, {$20000.00} written off Under the FCRA, I am requesting the following : Verification of each account, including complete documentation from the original creditor, showing ownership and itemization of the debt.

If verification can not be completed within 30 days, these accounts must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

A statement of the method used to verify the accuracy of these accounts, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Sincerely, 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 2025-07-17 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: TX

Complaint narrative:
I am writing to formally dispute several charge-off accounts listed on my Experian credit report, which are inaccurate, incomplete, and potentially unverifiable. These accounts are negatively impacting my credit profile, and I am requesting their removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2.

The following accounts are in dispute : XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX XXXX Account ending in XXXX  Status : Charged off, {$20000.00} written off Under the FCRA, I am requesting the following : Verification of each account, including complete documentation from the original creditor, showing ownership and itemization of the debt.

If verification can not be completed within 30 days, these accounts must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

A statement of the method used to verify the accuracy of these accounts, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
o Whom It May Concern, I am writing to demand the immediate deletion of the above-referenced account from my credit file. This account was fraudulently opened in my name without my knowledge, authorization, or consent. I am the victim of identity theft, and this CitiBank account is one of several fraudulent accounts that have been opened using my personal information. 

As part of my identity theft case, I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). This report, which is enclosed, includes multiple accounts opened fraudulently, confirming that this is a widespread case of identity fraudnot an isolated incident. 

Additionally, I am being legally represented in this matter. A letter from my attorney, who is actively working on my case and contacting all affected creditors, is also included as supporting documentation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are legally required to block and remove any information from a consumers credit file that is the result of identity theft once appropriate documentation is submitted. Further, under FCRA 1681g ( e ), you must disclose the procedures used to verify disputed information.

Please be aware that my drivers license reflects a previous address, but I have included a recent utility bill to verify my current address.

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 2025-07-17 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: MI

Complaint narrative:
I am formally requesting immediate action to remove multiple unauthorized credit inquiries made without my consent. These entries have negatively impacted my credit score and raise serious concerns about potential identity theft. 
Despite prior assurances from your agency that these inquiries would be removed, they remain on my credit report. This ongoing failure to act is unacceptable and continues to cause financial and emotional harm.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX 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 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 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 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 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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was attempting to secure a high interest loan. While I was on the phone with a loan agent my call was intercepted by an unknown third party. This party said that they couldoimprove my credit to secure a loan more easily. I was encouraged to let them have access to my banking account to that they could deposit checks that appeared to be stolen. After depositing I was told to then transfer that amount to my Cash App account and deposit the amount I received into a Cash App stock account for a specific person. Than I was told I should be contacted 45 minutes later about the results. After a while which was more that 45 minutes I was notified that my credit sCore did not improve enough and the same thing would be performed tomorrow. So we did the same process over again when I realized that this is right and told the person I had talked to that this is a scam and he abruptly hung up on me. Cash App 's response is that everything was done in compliance with Federal Regulations and they can not do anything. Yet Cash App has a digital trail of what went on. Lack of a response leads me to summarize that Cash App is just as guilty of robbery against me as that of the XXXX party that physical robbed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND 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 2025-07-17 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:
This collection company has been stressing me out and has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately from mycreditreport. 

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 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 2025-07-17 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXXWe are going on an Alaska cruise. We found out a month before going on the cruise that if you had a XXXX, XXXX  may not let you in to the country. Very upset with this information. as my son and Daughter in law had a XXXX  23 years ago.\nMy daughter in law XXXXXXXX XXXX XXXX customer service to see if anything could be done.\nShe spoke with a XXXX, he said they were XXXX XXXX XXXX line customer service.\nHe said that since we had insurance that he could charge us another XXXX  on my credit card, ( as now they have gotten me on the phone) and then once the insurance kicked in then i would get a refund.\nHe said if XXXX  did not allow them into the country that they could just go to the next port which is Alaska and get on.\nI told them to charge my account but only if i would be getting a refund.\nHe said yes.\nAfter a few weeks, i noticed no refund so i called the phone numbers we had.\XXXX  answered the one phone number, i asked if this was XXXX XXXX and she said yes,\nI asked for XXXX, she said he was on leave.\nI explained the situation to her. she put me on hold a few times, asked for more information and then finnally came back and said she had no transaction of that.\nI explained i needed a refund and she said she couldn't.\nI said i would call the credit card company and get the charge stopped.\nshe then proceeded to try and tell me I still owed more money. I started yelling saying i spent enough, and she hung up.\nI called American Express and told them i needed to dispute the charge for $XXXX  as i believe now it was a scam. They told me that since i approved it, there is nothing that they can do.\nI called on XXXX\nI spoke with the police and filed a report.\nreport number XXXX, with the Lesueur county police in XXXX  county, MN.\nThey gave me serveral website to contact and XXXX  phone number.\XXXX  told me that if i didn't get what i paid for the credit card should reinburse me.\nwhich i should have gotten a refund.\nThe information that i  have is \nphone numbers we were given\XXXX  XXXX\nnow when you call it goes to voice mail\nXXXX is now a busy signal\XXXX XXXX they answer but now it is for a different business.\non my credit card statement on XXXX is for XXXX is to XXXXXXXX XXXX XXXX agency XXXX XXXX  IA.\XXXX that phone number is out of order,\nI did not receive any goods or services for the XXXX. American express paid the people , why can't they reverse the charges?\nPlease Advise\n\nThank you for your time"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2025-07-17 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: NV

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 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 non-monetary relief
Consumer complaint received 2025-07-17 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: MO

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not apply to these companies nor did I authorize them to access my credit information. This is a clear violation of my rights as a consumer. My credit and privacy are extremely important to me, and with everything else going on in my life, I should not have to deal with unauthorized activity on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: LA

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