vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: NC

Complaint narrative:
Hello, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX NC 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-05-23 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on XXXXmy consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
I filed a dispute of a transaction on XX/XX/year>. Had a club I was XXXX  and they took all of the money out of my account. This specific transaction was in the amount of {$1300.00} Branch has refused to provide a provisional credit as required by regulation E under the EFTA. I have called an email on several instances and continue to be denied receipt of a provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MO

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Theres an account showing up on my credit report that has absolutely nothing to do with me. Its not mine, I never opened it, and it clearly belongs to someone else. Somehow, this information is being mixed with my credit profile and thats unacceptable.

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 2025-05-23 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-23 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
Subject : Report of Funds Wrongfully Kept via Cashapp Transfer Date of Incident : XXXX XXXX Amount : {$650.00} On Wednesday, XXXX XXXX, I attempted to send my landlord a portion of my rent payment, as I always do, twice a month. I searched for her name in the search bar instead of scrolling thru my list of people I had sent money to previously. I typed in the letters DENY, as her name is XXXX, and a name that looked like XXXX popped up and next thing I knew, the money was sent to someone with the name " XXXX XXXX '' Cashapp handle XXXX XXXXXXXX '' instead. I immediately attempted to cancel the transaction ( # XXXX ) and request a refund using the Cash App " refund request '' feature from this individual stating that the money was sent to the incorrect individual. This person accepted the money and refused the refund. Cashapp sends me a message that " We were unable to request cash from XXXX XXXX. Ask them to send you cash instead. '' I have no idea who this individual is nor have I ever sent this person money before. I attempted requesting a refund multiple times after, to no avail. 
I placed a call to Cashapp ( XXXX ) on XX/XX/year> at XXXX and again at XXXX and spoke to XXXX and was told there was nothing I could do nor a member of management I could speak to for further assistance and he proceeded to give me a case # to jot down ( case # XXXX ) and sent me on my way without any help. I am filing this report to document that the person I incorrectly sent money to knowingly kept the funds which I believe may constitute theft by conversion or unjust enrichment under state law. I am requesting that this report be filed and that this incident be investigated further for potential criminal charges or recovery of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Im once again reaching out about the fraudulent account that continues to appear on my credit report. Despite multiple attempts to correct this, the unauthorized entry still hasnt been removed. My report also contains inaccurate personal information, which is likely contributing to this issue. Ive been a victim of identity theftmy information was used without my consent, and I now see an account Ive never had any involvement with. I followed the proper steps, filed an FTC Identity Theft Report as advised by Equifax, and submitted all necessary documentation. Yet nothing has changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I am filing this complaint regarding my Apple Card, issued by Goldman Sachs Bank USA. 

On XX/XX/year>, I spoke directly with an Apple Card account manager by phone, who confirmed that my account would be fully closed. I have a complete audio recording and transcript of this conversation, which I can provide upon request. 

Despite this, the account was not closed as promised. 

On XX/XX/year>, I followed up with Apple Card Support via in-app messaging. I was again assured that I would receive written confirmation of the accounts closure by Monday, XX/XX/year> or within 24 hours. I have a full text transcript of that conversation as well. 

As of today, the account remains open without justification. There is : No balance No pending transactions No disputes No legal holds I am the primary account holder, and I have formally requested that the account be closed multiple times, both verbally and in writing. The issuer has failed to follow through on these assurances, which constitutes a violation of fair credit and lending practices. 

I am requesting the following : 1. Immediate and complete closure of the account 2. Written confirmation of the closure 3. Correction of credit reporting to reflect : Closed at consumers request 4. Reversal of all derogatory reporting related to this account that occurred due to technological and communication issues 5. A full explanation of why the account remained open despite confirmation to the contrary I am prepared to escalate this matter further and can provide all supporting documentation. Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Texas law requires a court order before garnishing my income tax .. they have to take me to court to get court order signed by Judge giving them permission to garnish me income tax .. they also started garnishing after statue if limitation had passed .. I spoke to them and a representative told me that the Texas Laws do not include them .. they dont have to follow Texas Laws .. I also told them they do not have a license to practice/work in texas. The representative told me they dont need one .. they dont follow Texas laws .. the account was charged off by original creditor. They have garnished over {$6000.00} income tax and taking about {$120.00} a month from my social security without a court order .. they say they collecting for affees but they are not.they bought the accounts from affees. They reported to 3 credit bureaus that I have not paid and I am missing payments .. they never reported my {$6000.00} plus I have paid .. have not reported my monthly payments being garnished .. i never charged up the card but they dont care and told me about going against the law .. and they were going to garnish my money through irs..

I didnt think they could because they do not have a license to operate in texas and never took me to court for a court order signed by Judge to be able to gar
nish money from the irs .

They changed the name from Transworld .. Debt collectors who buy accounts from companies including with judgements.

They changed it from transword .. to XXXX XXXX XXXX XXXX XXXX XXXX the address is for Transworld not XXXX XXXX XXXX XXXX XXXX .. the phone number they put is for Transworld collections not XXXX XXXX XXXX XXXX XXXX its a cover for Transworld collections. Please help me recover my money that took and are taking monthly without a court order and operating in texas without a license for many years. 
There has also been a breach of all data in their systems of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NC

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX, submitted on XX/XX/year>, regarding a disputed XXXX  XXXX account ( Account # : XXXX ) being reported by Experian. 

I submitted a formal dispute and reinvestigation request under FCRA 1681i, including a request for documentation and a description of the steps taken to verify the account, which qualifies as a Method of Verification ( MOV ) request under FCRA 1681i ( a ) ( 7 ). 

Experian did not acknowledge my dispute until XX/XX/year>, and as of XX/XX/year>, the account is still showing as pending review on my credit report. This is well beyond the 30-day limit under FCRA 1681i ( a ) ( 1 ) ( A ). 

To date, no investigation results, no Method of Verification documentation, and no deletion or correction have been provided. 

Additionally, this same XXXX XXXX account has already been deleted by Equifax, further demonstrating that the account is unverifiable or inaccurate, and raising serious concerns about Experians compliance with FCRA 1681e ( b ) ( duty to maintain maximum possible accuracy ). 

I am requesting the immediate deletion of this account from my Experian credit report, and written confirmation of the removal. 

The Experian dispute results were delivered with the following reference information : Your Report Number is : XXXX Your Investigation ID is : 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2700.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$2700.00}

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