vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-27 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: OH

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-06-27 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: FL

Complaint narrative:
Loan Details Status : Open Monthly Payment : {$12.00} Balance : {$350.00} High Credit ( Highest Balance Ever Reported ) : {$360.00} Credit Limit : {$0.00} ( Typical for installment loanslimits dont apply like they do for credit cards ) Terms : 59 months Payment Status : Current ( you are on time with payments )

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 2025-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a 100 % XXXX, medically retired veteran of the XXXX XXXX XXXX. I received a XXXX mortgage through Navy Federal Credit Union XXXX After I retired on XX/XX/year>, I went nearly 4 months without income due to delays in disability and benefit processing. As a result, I quickly fell behind on my mortgage. 
During this time, I attempted to work with Navy Federal and explained that I was medically retired and suffering from a service-connected mental health disability ( XXXX XXXX ), which significantly impaired my ability to manage this process. I formally requested reasonable accommodation and assistance. I was told that Navy Federal " does not do accommodations like that '' and refused to escalate or provide me with a disability compliance officer or hardship assistance review. 
I also contacted the VA XXXX XXXX XXXX, who told me to wait until foreclosure began to seek help leaving me in a helpless and destabilizing situation that triggered a major mental health episode. Despite recovering financially and catching up at one point, the credit damage was already done, and the compounding stress pushed me toward another delinquency spiral.

I am now facing foreclosure again due to this sequence of failures. I am asking the CFPB to intervene because I was denied accommodation, not referred to appropriate support, and essentially left without any functional path to recover despite being a protected disabled veteran in a documented hardship situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX Equifax $ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: OR

Complaint narrative:
Some how somebody was able to get into my cash app account and on XX/XX/2025 was able to send another person {$90.00}. I have contacted cash app support multiple times and they are so rude. They don't even give me the respect of listening to me. All they have to say is " it came from your phone to another person and there's nothing we or you can do about it. This is crazy. I know they can see what kind of device the transaction came from. I have a XXXX XXXX and it's only had it a week. So I know for a fact they can see the transaction didn't come from me. At the bottom I have attached the only documents I have right now. The last one is of the conversation between me and the people who my money was sent to. Clearly they new where the money came from. They just didn't care enough to give it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Very poor experience and very unprofessional company. I opened a XXXX account online with Bread Financial after doing research on XXXX  and it being recommended. Ran my credit and endured a hit. The company requires you to link your bank and make a deposit right then as part of the account opening process as well as upload a bank statement for identity verification. Provided my personal financial information from my bank. Upon doing do, it said in review. The ONLY email communication from this company I received during the opening process was sending a 6 digit verification code. Once closing off the website, there is no way to log back in or create an account to check the account or status. I received no further communication. A few days later I received an email from my bank saying they cancelled the transfer as the account number does not exist. I emailed the company explaining the process and lack of communication as well as asking what happened with the account I opened and status. My emails were NEVER answered. I could not get through making calls and just on hold. Not even sure if the company is legit at this point. I have no idea if I have an account now or not as I dont have communication from the company and havent been provided an account number. No correspondence via physical mail. Personal banking information shared and credit ran with hit on credit score. No communication about status of account and refuse to respond to all attempts made. Company did not list specific criteria on their site one must meet prior to opening an account. If there was criteria and I did not meet it, I would not have opened an account and allowed my credit ran. If they treat potential customers like this during an opening process, imagine the service you will receive ( or lack thereof ) if you are a customer. I highly DO NOT recommend this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NV

Complaint narrative:
XXXX has placed a soft inquiry with absolutely no permissible purpose on my Experian credit report and subsequently violating the Fair Credit Reporting Act. I am not a member of XXXX XXXX XXXX service and have not been for XXXX year. XXXX has absolutely no permissible purpose to access my credit reports.

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 2025-06-27 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute. 
4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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 have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) 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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
XXXX XX/XX/2025 XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX Dining table XXXX He never showed up and stop answering messages XXXX XXXX I was the victim of a scam. The supposed seller, XXXX XXXX, assured me that he would deliver a dining table after receiving payment through Zelle. However, he never showed up and stopped responding to all messages after receiving the money. This is a clear case of intentional fraud. 

I authorized the transaction under false pretenses, which should be treated as financial fraud, not as user error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
All they did was send me al letter saying the 3 collection accounts were 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 2025-06-27 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-27 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX Tn. The accounts collectors are XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX TransUnion LLC, XXXX, and XXXX.These companies represent several security breaches, fraud, scams. I have personal information exposed, from my credit to my cell phone, bank account, internet XXXX XXXX XXXX, and more.

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 2025-06-27 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: NJ

Complaint narrative:
I am a victim of identity theft and inaccurate credit reporting. Upon reviewing my TransUnion credit report, I found several accounts that are either fraudulent or contain serious reporting errors. These entries are damaging my credit profile and preventing me from reaching essential life goals, including securing stable housing. I am requesting a full investigation and removal of all false, unauthorized, and inaccurate information as required by law. 

Details : XXXX Reporting late payments I do not recognize. The account contains errors and is not 100 % accurate as required by federal law. 

XXXX Fraudulent account. I never opened or authorized this account. 

XXXX Opened on XX/XX/XXXX with a balance of {$180.00}. I did not authorize or open this account. 

XXXX Opened on XX/XX/XXXX with a balance of {$300.00}. It reports late payments I do not recognize, although I have paid on time. 

XXXX Opened on XX/XX/XXXX. Balance is {$0.00}. This account contains payment history errors and is not fully accurate. 

XXXX XXXXXXXX Opened on XX/XX/XXXX, balance of {$440.00}, status shows charged off and derogatory. This account is fraudulent and was not opened or used by me. 

These accounts were not authorized by me. I did not apply for credit, I did not receive services, and I did not give permission for any of these entries. I am requesting that all fraudulent accounts be deleted and all inaccurate information be corrected immediately. 

I am protected under the following laws and regulations : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 Identity Theft and Assumption Deterrence Act 18 U.S. Code 1028 Right to dispute inaccurate information under FCRA, Section 611 ( 15 USC 1681i ) Right to block fraudulent information under FCRA, Section 605B ( 15 USC 1681c-2 ) These laws give me the right to dispute and demand the correction or removal of any inaccurate, unverifiable, or fraudulent information on my credit file. I am exercising these rights and demand that my credit report be updated to reflect only accurate and authorized accounts.

Please take immediate action.

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 2025-06-27 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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