vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: VA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 
Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-07 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX  Account # : XXXX The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XX/XX/year>XXXX  Subject : Immediate Removal of Unauthorized Addresses, Phone Numbers, and Hard Inquiries I am demanding the immediate removal of all unauthorized addresses and phone numbers from my credit file that do not match my current and only valid address : XXXX XXXX XXXX, XXXX, AL XXXX. I have previously requested this correction, yet the inaccurate information remains. This is unacceptable, and I expect prompt action. 

Additionally, I have been a victim of identity theft and have not authorized the following hard inquiries on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for credit with any of these entities. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies may only list inquiries from companies with a legally permissible purpose. Since I did not authorize these inquiries, they must be removed immediately. 

Furthermore, under 15 U.S.C. 1681c, credit bureaus are required to remove inaccurate or fraudulent information upon dispute. This is my formal demand to : 1. Immediately remove all addresses and phone numbers that are not XXXX XXXX XXXX, XXXX, AL XXXX. 


2. Immediately remove all unauthorized hard inquiries listed above. 



If these items are not removed without delay, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. I will also explore legal action for any violations of my rights under the FCRA. 

This is not a requestit is a formal demand for immediate action. I expect written confirmation once these items have been permanently removed from my credit file. You may send confirmation to my email at XXXX. 

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
COMPANY XXXX XXXX XXXX disputing a medical debt from 2019 reported on my credit by a company I dont recognize. I never received services from them and was never notified or billed. This may violate the FCRA ( 15 U.S. Code 1681 ) due to inaccurate reporting, and possibly HIPAA if my medical info was shared without consent. Im requesting a full investigation, debt validation, and removal if unverified or improperly reported.

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 2025-04-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information on my credit report, which was issued by your agency. Upon reviewing my credit report, I have identified several discrepancies that need to be corrected. Below is a detailed explanation of each item that I believe is reported incorrectly : 1. XXXX XXXX Account Account Number : XXXX The account has been written off for over a year, yet it is still showing late payments, which is inaccurate. I request that this account be updated to reflect the correct status. It should not show any late payments after the account was written off. 
2. XXXX  Account Account Number : XXXX Similar to the XXXX XXXX account, this account was written off over a year ago. However, it is still showing late payments, which is incorrect. I kindly request that this account be updated to accurately reflect its written-off status with no further late payments. 
3. XXXX XXXX XXXX Account Number : XXXX This loan was repossessed, but the balance reported is incorrect. Please update the balance to reflect the correct amount, including any adjustments or paid-off portions. I request that you also update the report to reflect the correct status of this account. 

I have attached supporting documentation, including any payment records, correspondence with the creditors, and statements that verify the correct information. These documents should assist in resolving the issues mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that these items be investigated and corrected promptly. Please provide me with a written response regarding the outcome of your investigation, as well as a copy of my updated credit report once the corrections have been made. 

If you require any additional information or documentation from my end, please contact me at the phone number or email address listed above. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I have been paying a credit account in full for a long time now, but it is still affecting me deeply. XXXX Credit Card is reporting this in my name every month, but I don't owe them anything. My balance is XXXX and they continue to tarnish my name, even with the account closed and paid in full. That's why I ask that you delete it from your system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently gotten a copy of my credit report and realized that my car loan debt has been paid off and completed due to the filing of XXXX XXXX on XXXX XXXX XXXX has not been updated and it's hurting my future creditworthiness!!!!!

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 2025-04-07 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: GA

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 reporting agency XXXX XXXX credit reporting agency and XXXX XXXX reporting XXXX block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of - XXXX XXXX XXXX XXXX XXXXXXXX {$8800.00} ( Fraudulent Charge-Off ) XXXX XXXX XXXX XXXX  {$15000.00} ( Fraudulent Charge-Off ) - XXXX XXXX XXXX {$120.00} ( Fraudulent Collection ) Removal of Fraudulent Late Payments ( FCBA 1666b & FCRA 623 ) Under FCBA 1666b ( 15 U.S.C. 1666b ), creditors must correct fraudulent late payments within 30 days. The following must be corrected : - Lending Club Fraudulent late payments - Macys Fraudulent late payments- XXXX XXXX Fraudulent late payments These accounts have resulted in several fraudulent collections appearing on my consumer XXXX XXXX reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-04-07 00:00:00
Product: Prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: NC

Complaint narrative:
Product : Buy now, pay later Issue : Charged for a product or service you didnt receive / misleading purchase Company : XXXX XXXX XXXX XXXX XXXX 

Complaint Narrative : I purchased a {$400.00} XXXX XXXX gift card through XXXX, fulfilled by XXXX. At the time of purchase, the gift card description and checkout process did not disclose a critical usage restriction : that the gift card can only be applied to new cruise bookings after a deposit is made, and not for onboard purchases or upgrades through the XXXX XXXX XXXX  ( such as beverage packages or excursions ). 

My intent was to use the gift card for my upcoming cruise, which is already paid for. This limitation was not presented anywhere in the XXXX or XXXX purchase flow, nor in the how it works section during checkout. I have attached screenshots showing the misleading flow. 

I contacted both XXXX and XXXX. XXXX referred me to the Terms of Sale ( which were not visible at checkout ), and XXXX has refused to refund or cancel the transaction, even after acknowledging my request and conducting a final review. 

This purchase was made under a false pretense due to lack of full disclosure, and I am now paying off a {$400.00} product that is completely unusable for its stated purpose. 

I am requesting that XXXX reverse or refund the transaction, as it violates fair consumer sales practices and transparency at XXXX XXXX of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
Recurring unsubscribed charges from XXXX for months of XXXX ( XXXX ), and XXXX ( XXXX ). XXXX charges in the amount of {$49.00} from background services that I never received, rendered, or used during the billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person s
hall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
COMPANY SA-VIT-ENT INC Im disputing a medical debt from 2019 reported on my credit by a company I dont recognize. I never received services from them and was never notified or billed. This may violate the FCRA ( 15 U.S. Code 1681 ) due to inaccurate reporting, and possibly HIPAA if my medical info was shared without consent. Im requesting a full investigation, debt validation, and removal if unverified or improperly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir or Madam, I am writing to formally notify you that I am a victim of human trafficking, and I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ). The fraudulent accounts, collections, and inquiries listed below appeared on my consumer credit report as a direct result of that XXXX  and identity XXXX. I did not authorize these accounts or activities, and they have severely impacted my credit profile. 

These fraudulent entries include unauthorized accounts, collections, and credit inquiries that I do not recognize and did not initiate for Incorrect Personal Information to Be Removed : Previous Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Fraudulent Accounts to Be Blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries to Be Removed : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I am invoking my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand the immediate and permanent removal of these items from my credit report, and that all collection activities associated with these accounts cease immediately.

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I transferred {$220.00} from my checking account into my CashApp account and converted the {$220.00} to BTC to pay XXXX XXXX who claims that he can recover my lost funds with phone number ( XXXX ) XXXX. After I paid XXXX XXXX in BTC, he then asked me for additional money to proceed further with recovering the funds and soon discovered that this was a recovery funds scam. I contacted XXXXXXXX XXXX before XXXX XXXX XXXX on the same day to dispute the {$220.00} transaction, but after they conducted their thorough investigations, they found out that the transaction I made to CashApp was a valid transaction and my provisional credit will be removed on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I recently viewed my credit report and noticed that there are fraudulent accounts that are not mines that are showing on my credit report. Please can you have these accounts that are not accurate be removed from my credit report immediately. It is hurting my credit score.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
With the last XXXX months I have called this company at least XXXX to XXXX  times to find out why they are reporting this debt under my name. Each time I was never given any information, and I was told that the person handling my case would reach out to me. XXXX person has never reach out to me, and, as of today, I have no information about this debt. In addition, I haven't even received any communication via mail.

Company response to consumer: Closed with explanation