vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: VA

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 explanation
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
This false reporting is severely damaging my financial standingdirectly impacting my ability to obtain credit, loans, and housing. The inclusion of unauthorized negative information is both unacceptable and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I created a Cash App account while I was with my friend. His father couldnt send money via XXXX, so my friend sent me {$200.00} through Cash App to pay his part of the hotel bill I covered for him. The money came from a verified Cash App account. I didnt log in again for a few days when I got back home, and checked the app, I found out my account had been closed. I received no warning and no explanation of what I did wrong. The message mentioned that I was still able to withdraw funds even after my account was blocked. But when I tried to transfer the {$200.00} to my linked bank account, I was blocked with the message stating " You are not currently able to withdraw. We will notify you when your account status changes. '' I contacted support and spoke with someone named XXXX. I asked why I was banned, and instead of a real answer, I was just referred to the general Terms of Service. I specifically asked about my funds being locked, and I was told theyd escalate it to a specialist. I gave my email, and I never got a reply back, no email about it, and no update since. So now Im blocked, I was never told why, and my money is being held with no access or explanation, even though they told me I could still withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NV

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXX XXXX XXXX, NV XXXX Address Issue : I have never lived or received mail at this address Law : FCRA 609 ( c ) ( 2 ) and 611 ( a ) Story : This address is incorrectly linked to my credit profile and appears to be the result of a data mismatch or reporting error XXXX XXXX  XXXX XXXX, NV XXXX Address Issue : This address is not associated with me Law : FCRA 611 and 604 Story : This address was never mine and its appearance may compromise my identity and credit integrity XXXX  Inquiry on XX/XX/year> Issue : Not authorized by me Law : FCRA 604 Story : I never gave consent to this lender XXXX Inquiry on XX/XX/year> Issue : Unauthorized inquiry Law : FCRA 604 Story : I never submitted any credit application REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Subject : Dispute of Unauthorized Credit Inquiries Due to Identity Theft Full Removal Request XXXX XXXX  Dear FactorTrust Team, I am writing to you concerning my FactorTrust consumer report ( Report No. XXXX XXXX XXXXXXXX XXXX XXXX dated XXXX XXXX XX/XX/XXXX XXXX XXXX  ), which contains numerous unauthorized inquiries from financial institutions and companies I have never interacted with. I did not authorize these inquiries and believe they are the result of identity theft. Please accept this letter as my formal dispute and request for immediate removal of the following unauthorized inquiries from my file under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Lending & Financial Entities - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion-Based Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These entries do not reflect any actions taken by me and I have never authorized these institutions to obtain access to my credit information. XXXX XXXX XXXX Enclosures ( available upon request or as needed ) : - Copy of a government-issued ID - Proof of address - Pending FTC Identity Theft Report and/or Police Report Please conduct an investigation into these inquiries and remove them from my file as appropriate. I respectfully request a response and confirmation of their removal in writing. Thank you for your attention and support in resolving this serious matter. Sincerely, 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 2025-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XXXX XX/XX/year> I made a payment of {$1700.00} from my XXXX Bank checking account # XXXX. The payment was accepted by PENNYMAC and debited from the account. 

On XXXX XX/XX/year> XXXX took/stole {$1700.00} from my XXXX checking account # XXXX. They were not authorized to make any transactions from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AR

Complaint narrative:
I am a victim of identity theft. After researching the Fair Credit Reporting Act and the Federal Trade Commission, I submitted all the documents the FCRA suggests, to have fraudulent credit items blocked from my credit report, via certified mail to Experian, Equifax, and Transunion. I have tracking numbers if needed to prove each credit reporting agency has received my dispute successfully. Experian, Equifax, and Transunion all confirmed they received my dispute and opened an investigation. At the completion of each credit bureau 's investigation, each credit bureau concluded that the debts belong to me. I understand how it would appear as though the debts belong to me because the thief that broke into my home gained access to my drivers license, my social security card, my debit cards, mail, and other personal items that were all inside my wallet the thief stole from my home, but these debts do not belong to me and should have been blocked from my credit report within 4 business days of each credit bureau 's receipt, but they were not. Each credit bureau has violated my rights established in the Fair Credit Reporting Act and has done so in an effort to maintain their ongoing financial relationship with the creditors disputed. 
Here was my previous request : I request that you conduct a thorough investigation into this matter and provide me with the following details : I would like to see a complete list of all documents and correspondence utilized to confirm the validity of the above referenced fraudulent credit accounts. Please include all names and contact information of employees that you spoke with for the above referenced credit accounts, their job titles, and the date and times you spoke with them as part of this investigation. Please also include the questions and/or documents that you asked/used to prompt for the information they provided. Please also include the dates and times of said prompts to the above referenced creditors, and the dates and times that the above referenced fraudulent creditors provided you their reply to your request. Please also provide written confirmation of the results of your investigation within the timeframe mandated by the FCRA. If the information is found to be inaccurate, incomplete, or unverifiable, I demand that it be promptly deleted or corrected. This request has never been fulfilled by Experian, Equifax or Transunion.

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 2025-07-09 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: AR

Complaint narrative:
I am a victim of identity theft. After researching the Fair Credit Reporting Act and the Federal Trade Commission, I submitted all the documents the FCRA suggests, to have fraudulent credit items blocked from my credit report, via certified mail to Experian, Equifax, and Transunion. I have tracking numbers if needed to prove each credit reporting agency has received my dispute successfully. Experian, Equifax, and Transunion all confirmed they received my dispute and opened an investigation. At the completion of each credit bureau 's investigation, each credit bureau concluded that the debts belong to me. I understand how it would appear as though the debts belong to me because the thief that broke into my home gained access to my drivers license, my social security card, my debit cards, mail, and other personal items that were all inside my wallet the thief stole from my home, but these debts do not belong to me and should have been blocked from my credit report within 4 business days of each credit bureau 's receipt, but they were not. Each credit bureau has violated my rights established in the Fair Credit Reporting Act and has done so in an effort to maintain their ongoing financial relationship with the creditors disputed. 
Here was my previous request : I request that you conduct a thorough investigation into this matter and provide me with the following details : I would like to see a complete list of all documents and correspondence utilized to confirm the validity of the above referenced fraudulent credit accounts. Please include all names and contact information of employees that you spoke with for the above referenced credit accounts, their job titles, and the date and times you spoke with them as part of this investigation. Please also include the questions and/or documents that you asked/used to prompt for the information they provided. Please also include the dates and times of said prompts to the above referenced creditors, and the dates and times that the above referenced fraudulent creditors provided you their reply to your request. Please also provide written confirmation of the results of your investigation within the timeframe mandated by the FCRA. If the information is found to be inaccurate, incomplete, or unverifiable, I demand that it be promptly deleted or corrected. This request has never been fulfilled by Experian, Equifax or Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I owned my own house at XXXX XXXX XXXX XXXX XXXX Maine I was assaulted almost XXXX  my XXXX XXXX  were abducted as I was in XXXX XXXX XXXX XXXXXXXX I have been stalked terrizied by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other employees of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maine, I have been permanent XXXX  had to call police for domestic abusers drug related crimes flee from my house, the address is not on my credit report the loan and any account with both my husband XXXX XXXX XXXX on myself is not on my credit report, I was a XXXX  and I worked for XXXX XXXX XXXX in XXXX XXXX Maine , as I was not summoned for the crimes and not giving my settlement, all jobs after I was attacked assaulted and ongoing had to stop working as getting injured in attempted XXXX XXXX  Attempted XXXX  with XXXX employees and XXXX XXXX, XXXX XXXX as stalked terrizied tampering with evidence credit reports bank accounts attacks at ATM as attempted XXXX  to my XXXX XXXX  XXXX XXXX XXXX and my daughter XXXX XXXX I have been to court and received nothing from your employees as submitted complaints of medical indenty thefts, identity thefts continued closed account police reports brutalities, false evictions false Arrested false hospitalized after debit card closed XXXX XXXX never gave me my settlement you have XXXX XXXX  as a violation they frauded my checking account saving account never fix anything on my credit report I have been chronic homeless jobless as having been attacked repeatedly by Maine district attorneys XXXX Court clerks , Banks overcharged and refused notary for court Gaurdianship application son and daughter abducted again now held in hospital, assisted living for smokers while being fraudulent terminated abusive employees supervisors at XXXX their app on my new XXXX pixel phone stopped money transfer to my XXXX XXXX account for payments, XXXX XXXX employees saying I went in bank twice to withdraw money I was never in bank that day, I paid my dental bills at bank with my XXXX  account number and app, they emailed after my payment date said I didn't pay, I called XXXX XXXX said I did pay, she said I see where you tried but we didn't receive payment all my payments were not documented, my money was gone I had to walk to bank get cash walk to post office get money order send it, XXXX XXXX employees lied said they gave my dentures to another patient on my last appointment all XXXX XXXX account were closed I never received settlement on fraud abuse. I never received investigation reports from your investigator when I called at XXXX XXXX XXXX XXXX Maine.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for failing to properly investigate an eviction record that is either inaccurate, outdated, or misreported. I disputed the information but received no resolution. This eviction was filed in XXXX XXXX XXXX ( Case # XXXX ), and I believe it was either misreported, duplicated, or lacking proper verification. This case is over two years old. I attempted to dispute it directly with the screening company, but I either received no response or an unsatisfactory one. The information is outdated, harmful to my rental prospects, and I believe it may be reported inaccurately or unfairly without proper context. I request that the CFPB review this matter and compel the agency to investigate the accuracy of this eviction record under the Fair Credit Reporting Act. If it can not be verified or is incomplete, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account with XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. 
Source : Experian Date Submitted : XX/XX/year>2025 Report Number : XXXX Account Number : XXXX Company : XXXX XXXXXXXX Address : XXXX XXXX XXXX FI XXXX, XXXX XXXX XXXX CA XXXX I submitted this at XXXX XXXX  on XXXX/XXXX/2025 got it back with in hours of submission

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 2025-07-09 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: MD

Complaint narrative:
Please remove the following fraudulent accounts from my report : BANKRUPTCY : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX Please remove the following address in question : XXXX XXXX XXXX, XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TN

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 2025-07-10 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: TN

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