vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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:
I am filing this formal complaint against Experian for their continued failure to delete unauthorized and unverifiable hard inquiries from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 ( a ) ( 3 ), 611, and 609.

On XX/XX/XXXX, I submitted a written dispute to Experian regarding multiple hard inquiries that appeared on my report without my knowledge, consent, or authorization. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a report if there is a permissible purpose. Experian has failed to provide me with proof of authorization or signed documentation from the companies that made these inquiries, nor have the creditors proven a permissible purpose. 

Despite the legal requirements outlined in 611 ( reasonable reinvestigation of disputed information ) and 609 ( disclosure of information sources ), Experian has not complied and continues to report these inquiries. 

Here are the unauthorized inquiries Experian has refused to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian is in willful non-compliance with the FCRA. These inquiries continue to damage my credit profile and lower my creditworthiness. I am requesting the CFPB to investigate this matter urgently and enforce Experians compliance by requiring the immediate removal of any and all inquiries for which Experian can not provide legal proof of authorization. 

Please feel free to contact me should you require any further evidence or documentation. I appreciate your assistance in protecting my consumer rights. 

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WV

Complaint narrative:
b"On XXXX XXXX at XXXX I received a call from my son XXXX XXXX XXXX XXXX  and he said dad did you send me XXXX from cash app I told him I didn't he said the message said sent to wrong person please send back .I immediately went to my cash app and seen where there was quite a few transactions done on XXXX XXXX  at a XXXX XXXX XXXX XXXX time period.  In total they took XXXX from my bank account . They used my info from my cash app .I called my bank and it was atotal of XXXX  taken from my account but the bank said other transactions were tried but denied due to insufficient funds. Cash app refuses to refund any of my money saying I initiated the transaction but I didn't initiate anything I was suprised and now I'm devastated.  I contacted all of the people they said had gotten money from me but none of them received anything .I also received 2 calls from a California number asking me to send money back on cash app because they sent to wrong person. I contacted the bank and they said cash app was responsible.  Cash app denied 2xof the transactions but won't do the others I'm still out XXXX .please help me I don't know where else to go I already files a police report and the phone number that was used when they called me about sending money back doesn't exist now .cash app keeps saying I initiated these transactions but there was like XXXX  or more at the same time period .I belive I was scammed and fraud has taken place I don't know who ended up with the XXXX but it wasn't me .I'm sick to my stomach over this.please help me my phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . Thank you"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I have no connection to the accounts listed and never consented to their creation. These are fraudulent and should not be reported under my name. Please delete them within 15 days pursuant to 15 U.S. Code 1681g. Relevant proof is attached.

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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date : XX/XX/XXXX To : Fair Collections & Outsourcing , Inc . 
XXXX XXXX XXXX, XXXX XXXX  XXXX, MD XXXX Fax : ( XXXX ) XXXX RE : Cease and Desist Demand for Debt Validation Unauthorized Reporting and Collection To Whom It May Concern : This letter serves as a formal Notice of Dispute, Cease and Desist, and Demand for Full Validation of any and all alleged debts you are attempting to collect or report in my name. 
You are currently in violation of the following federal laws : 15 U.S.C. 1692g Failure to provide proper debt validation ; 15 U.S.C. 1681c-2 & 1681a Reporting inaccurate information to credit bureaus ; 5 U.S.C. 552a Privacy Act of XXXX, unauthorized use of personal data ; 18 U.S.C. 1028A Aggravated identity theft ; Securities Fraud Engaging in unlawful trading or securitization of debt without consent or contract. 


I hereby demand : Immediate cease and desist of all collection and reporting activities ; Full debt validation, including original contract with wet ink signature, proof of lawful chain of assignment, and full itemized accounting ; Immediate removal of all negative entries from all consumer reporting agencies ( XXXX, XXXX, XXXX, XXXX ). 


You are hereby notified that no contract exists between us, and I do not consent to your use, reporting, or collection activities. Any continued activity will be interpreted as willful noncompliance and subject to a legal claim for damages under the above statutes. 
Failure to respond within 10 days of receipt will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Ohio Attorney General, and the initiation of a civil lawsuit in federal court seeking injunctive relief, damages, and sanctions. 
You are now on notice. 
Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC 1-308

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 2025-06-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-24 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: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Have multiple unauthorized charges on my checking account.

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 2025-06-24 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-06-24 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-06-24 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: CA

Complaint narrative:
Subject : Reinvestigation Request and Deletion of Inaccurate Charge-Off Account I am writing to formally request a reinvestigation of an inaccurate charge-off collection account listed on my Experian credit report. The account in question is as follows : Name On Account : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported As : Collection/Charge-Off Date Opened : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, incomplete, or unverifiable. I am exercising that right and formally requesting that Experian conduct a thorough reinvestigation of this account and provide documented verification from the data furnisher that supports its accuracy.

If the account can not be fully verified with supporting documentation from the original creditor ( not merely the collection agency ), it must be removed from my credit report per FCRA 611 ( 15 U.S.C. 1681i ). I request the following : 1. A full reinvestigation of the account listed above.

2. Written verification from the furnisher of the information that confirms the validity and accuracy of this charge-off.

3. Immediate deletion of the account from my credit file if the information can not be verified or substantiated.

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 2025-06-24 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: OH

Complaint narrative:
I am submitting this complaint pursuant to multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) codified under 15 U.S.C. 1681 and 1692. Specifically : 15 U.S.C. 1681b prohibits unauthorized credit inquiries unless there is a permissible purpose. A hard inquiry on my credit report was made without my knowledge, consent, or a valid purpose, constituting a violation.

15 U.S.C. 1692e and 1692g protect consumers from false or unverified collection accounts. I have not received proper validation of the debt, and the account remains inaccurately reported and actively collected.

15 U.S.C. 1681s-2 ( a ) requires furnishers to report accurate information. A closed account is being reported as open and delinquent, which misrepresents my credit profile.

15 U.S.C. 1681s-2 ( b ) obligates furnishers to correct or delete inaccurate information upon notice of a dispute. Despite submitting my dispute, the incorrect information remains unchanged beyond the 30-day compliance period.

I respectfully request that the Consumer Financial Protection Bureau take action to compel the responsible parties to remove the unauthorized inquiries, delete or correct the invalid collections, and accurately report the closed accounts in compliance with federal law.

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital one. Paid balance in full. Card still restricted. Company stated I wouldnt be able to use account again and closed account after paying in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
Please be advised that this is a valid and pressing complaint that requires your immediate attention. My credit report contains inaccurate information that does not meet the legal standard of maximum possible accuracy. These inaccuracies are causing significant and ongoing harm to my personal and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amigos Préstamos
State: AZ

Complaint narrative:
I signed for a loan someone else acquired couple of years ago I was in a relationship with that person. As on XXXX   they have been harassing me and my current partner non-stop by calls and text messages. I have multiple times asked them to stop contacting me and they continue to do so they send non stop messages making me feel harassed and nervous of the outcome of which I dont want to resolve directly with them since I feel overwhelmed with their point of contact. They have lied stating I gave them my partners phone number to them which I did not. And they have been told multiple times to not call or contact and they state they dont care the calls will continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation