vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have an email from XXXX insurance saying that the {$110.00} has been returned by the card issuer. CashApp is not a bank, and to my understanding when dispute is open, CashApp has 45 days to investigative the transaction, that said once the money is released and returned to Cash app that money is supposed to be without unreasonable delay go back to my account under the electronic transfers and the FTC guidelines. Its been almost XXXX weeks since money was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: KS

Complaint narrative:
During the year XXXX  I spoke with several representatives from hunterwarfield in attempt to establish a plan for payment, I tried discussing the charges over with the representatives to get a broader understanding on why I was being charged this amount, when I questioned them on the endeavor they began to use belligerent tactics threatening that if I didnt abide by there demands they would purposely send this payment to my collections, they used deadlines and abuse to collect payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Please remove the following reported issue from my credit report within 10 business days of receiving this letter. According to the Fair Credit Reporting Act and California law XXXX, the reporting company broke the law by reporting this unresolved issue on my credit report. I did not give XXXX XXXX or its attorneys permission ( which law requires ) to report my rent payment history or any unresolved rent issues to a credit reporting agency. 
I am promised accuracy based on my report under Federal Law. I am contacting you to attempt to have these errors corrected on my Consumer Report under 15 USC 1681 ( Federal law ) all verified information must be promptly removed. As you can see in your system you can not verify this information and validate so I request that you remove it within the next XXXX business days. The debt collector is also regulated by California state law, and they have violated the fact that they are not legally able to report this challenged debt to a credit reporting agency. 
Back in XXXX and XXXX, the State of California provided rental relief for people who were severely impacted by the XXXX pandemic, and I spent several hours submitting documentation to XXXX XXXX XXXX XXXX Business XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve any unpaid rent at that time. Due to the constant turnover and mismanagement of tenant disputes and issues, XXXX XXXX XXXX XXXX XXXX company did not follow through on their side of recovering the rent that they should have 100 % recovered at that time. On XX/XX/XXXX, they were also provided a proper written notice that we would be vacating the apartment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS HARD INQUIRY IS INCORRECTLY REPORTED UNDER MY PROFILE

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 2025-10-21 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:
Guarantee the timely and lawful deletion of contested accounts.

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 2025-10-21 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$16000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US 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 2025-10-21 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-21 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
again, my sister 's information is being confused the dates iam seeing on my credit are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these dates are not me this is my sister

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 2025-10-21 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: CT

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Klarna AB
State: GA

Complaint narrative:
On XX/XX/XXXX i used XXXX  to purchase a product from the merchant XXXX. When the product arrived i immediately saw that it was not what i ordered. I contacted the merchant to let them know they sent the wrong hair and if i could receive the return address and do an exchange because i know accidents happen. On merchant 's website it explicitly said you must contact before returning product because return and shipping address is not the same. The merchant replied several times that their product is the best and i should be satisfied and keeps trying to give me a gift card to purchase more hair versus return and get what i ordered. When i stood my ground and said no i want the return address only they responded asking why is a {$70.00} gift card for more hair that cost over {$320.00} not making me happy. I reported it to klarna who refuses to help me unless i provide them a tracking number. I have made it aware with screenshots of emails and the merchants return policy on their website and klarna tells me without a tracking number they can not help me. They are allowing me to be scammed by their merchant instead of reaching out to them to see if they can get the return address like they told me they would. I waited the 21 days like klarna asked me to and they closed my investigation since i did not provide tracking. I have reopened the investigation and klarna still insists i provide tracking after numerous times i have told them the merchant refuses to give me the address and this product is not even close to what i ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-21 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
b"I do not have a middle name, I am not XXXX XXXX XXXX  - incorrect name/middle name\nI do not own/have never owned those email addresses - delete those/incorrect email\nI do not own that phone number anymore - current number is XXXX XXXX XXXXRemove prior address - XXXX XXXX XXXX  only was there from XXXX  to XXXX, ex husband was allowed by XXXX XXXX to forge my signature on all contracts a huge TREC violation and she should have her TREC licensed revoked/suspended as that is a huge violation because I never gave him consent to continue living in that apartment while we were separated going through a divorce and no I did not abandon him as he states he kicked me out as he is a XXXX  person you should see him now how he tries to run me over with his truck and how this whole XXXX community praises him all XXXX XXXX because they aren't officer an officer would not allow thatXXXX XXXX identity theft, I do not know no XXXX XXXX and have never granted/nor given permission to take out a line under my nameXXXX XXXX  old number /remove thisXXXX XXXX  old number that my ex husband used to use - no longer a line of mine/remove thisXXXX old number, remove this\nI do not have 2 driver's licenses - I used to have a TX ID up until XXXX  when I obtained my driver's license for the first time. I have since renewed that driver's license. I do not know why the DMV sent me a driver's license with a sequence number.\nI own a XXXX XXXX XXXX new license plate # because the registration office gave me new license plates with new numbers, I have no idea why but it used to be XXXX and I only owned one car before this one which was a XXXX XXXX XXXX that has since been sold to XXXX XXXX XXXX to use as trade in value for the XXXX XXXX XXXX that I paid cash for and obtained a title that your registrar office stated was a clean title.\nI graduated from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  on XXXX, attended XXXX. I earned more than half my degree at XXXX  when I attended XXXX. I transferred to XXXX at or around XXXX when I graduated with two XXXX XXXX  one in XXXX XXXX the other one in XXXX XXXX  Relatives: I am in no way related to the XXXX that is the family of my sister in law to be respectful as I am not in speaking terms with her/them.\nI have no idea who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is - Remove this information.\nI do not know who a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is for neighbors -Remove this information"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXXXXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MI

Complaint narrative:
XX/XX/year> Filed for bankruptcy - Intention : Pay through XX/XX/year> Payment made XX/XX/year> Requested lienholder info- NOT PROVIDED XX/XX/year> Payment made, requested reaffirmation - advised XXXX days - NOT PROVIDED XX/XX/year> Amended Statement of Intention - Req to Reaffirm XX/XX/year> Autoreply : Let me refer this ticket to the corresponding department for further assistance. 
XX/XX/year> XXXX : This account requires special handling. For more information, please call XXXX XX/XX/year> Still no agreement, requested again. 
XX/XX/year> Autoreply : We will forward your concern to our designated department to further assist you.. 
XX/XX/year> XXXX : This account requires special handling. For more information, please call XXXX XX/XX/year> Still no agreement, requested again. 
XX/XX/year> XXXX made, requested reaffirmation - advised XXXX days - NOT PROVIDED XX/XX/year> Autreply : We will forward your concern to our designated department to further assist you.. 
XX/XX/year> XXXX : This account requires special handling. For more information, please call XXXX XX/XX/year> - Send email to XXXX and to XXXX XXXX  ( lienholder ) - NO REPLY XX/XX/year> Autoreply : We've received your inquiry with Ticket ID # XXXX. Our representative will get back to you as soon as we can. 

I have not gotten what I requested when calling or sending written correspondence. The XXXX website has me locked out due to bankruptcy. There is no way for me to know what I owe, when its due, what my terms are nothing.

Company response to consumer: Closed with explanation