vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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:
b'Demand for Method of Verification and Immediate Deletion of Duplicate Navy Federal Credit Union Account(s)  FCRA Violation\nEquifax,\nI am writing as a formal dispute and request for reinvestigation under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i(a), regarding duplicate accounts being reported by Navy Federal Credit Union on my credit file.\nI recently contacted Equifax by phone to dispute what appears to be duplicate reporting of the same XXXX XXXX XXXX XXXX account. Despite this, Equifax has responded claiming the information was verified as accurate.  Per report dated XXXX XXXX XXXX and confirmation number XXXX  the following accounts are still listed on my report multiple times.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S. Code 1681i(a)(6)(B)(iii), I am exercising my right to request the method of verification. Please provide the following information in writing:\n1.\tThe name of the person or representative with whom you verified the account.\n2.\tThe organization or department contacted at XXXX XXXX XXXX XXXXtThe date and time the verification was conducted.\n4.\tThe telephone number used during the verification.\n5.\tA clear explanation of how two identical accounts (same creditor, balance, and history) can be reported separately and verified as accurate.\nAdditionally, under 1681i(a)(5), if the information cannot be verified, it must be deleted from my credit report.\nThe continued reporting of duplicate accounts is damaging, misleading, and a potential violation of federal law. If not remedied promptly, I reserve the right to escalate this matter through formal complaints to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and pursue legal remedies under 1681n and 1681o of the FCRA.\nPlease conduct a thorough investigation and provide your findings within the legally mandated 30-day timeframe. A copy of my ID and proof of address are enclosed to verify my identity.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
experian keeps listing XXXX XXXX XXXX XXXX XXXX. I have never lived at that address, that was my son XXXX XXXX XXXX. I am XXXX XXXX XXXX. Experian keeps refusing to remove this address from my credit report which is causing XXXX of my sons collections to show up on my report. Every time I dispute this address experian generates a generic letter stating it has been verified. I have sent my Drivers License and utility bills numerous times but it still is showing on my credit report.

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 2025-06-17 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: FL

Complaint narrative:
I received alerts that my credit was being pulled without my authorization. I would like these inquires removed immediately as they are fraudulent and I have filed an identity theft report. The inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I have not applied for credit and ask for these inquiries to be removed immediately. Thank 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 2025-06-17 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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
SEE ATTACHED : I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED AN INACCURATE ACCOUNT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.Thank 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 non-monetary relief
Consumer complaint received 2025-06-17 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 writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.Thank 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 2025-06-17 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: CA

Complaint narrative:
I just recently reviewed my credit report XX/XX/XXXX. I saw these hard inquiries that did not have permissible purpose. Listed are the hard inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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: AL

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND LEARNED THAT I AM A VICTIM OF IDENTITY THEFT.I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT NOT OPENED BY ME. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS AS QUICKLY AS POSSIBLE. XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/XXXX, BALANCE * {$790.00}. XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE * {$710.00}, DATE OPENED XX/XX/XXXX. XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/XXXX, BALANCE * {$11000.00}. XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE * {$120.00}, DATE OPENED XX/XX/XXXX. XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/XXXX, BALANCE * {$3100.00}. I ALSO FOUND INQUIRIES ON MY CREDIT REPORT FROM CREDITORS I DID NOT GIVE MY PERMISSION TO RUN MY CREDIT.PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-06-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
At the numerous attempts providing information about XXXX  who I was insured by doing the time of this automobile theft from XXXX  XXXX most accepted said they closed the account yet they still have a trade line open yet they sold the account I requested that it be removed yet they have failed to do so so under the Fair credit reporting at using the statues 15 is that your USC 1681 EIC g I'm asking that it be removed immediately and all communication season

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I have vacate my property on XXXX  XX/XX/year> I was not aware of the sale of my property. I need more time XXXX XXXX is just not enough time please I need more time. XXXX begging to give me more time I missed my court date because I was working out of town and I called the courthouse and nothing could be done. XXXX trying to keep my home im a single dad. I will do anything my brother died of overdose last year and had to put my mom in a home. I feel.lile they was no notification in any of these things I called and explain my situation over and over again I proof XXXX XXXX XXXX I made my payments and all if that got wash under the rug when XXXX XXXX was suppose to be researching it still dont have my XXXX I paid that XXXX XXXX XXXX I didnt make and all they want was my bank statement which I provide to them over and over again nothing was ever doen i contact a mortgage relief program XXXX XXXX they contact XXXX XXXX XXXX XXXX house would be XXXX XXXX and sold in XXXX online i asked for proof of notice that was sent to my house and nothing. XXXX want me to sign documents from a real estate agent before the XXXX XXXX she said she would come back and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
I am a victim of identity theft and per FCRA Section 605B 1681C-2, please remove the following accounts from my Experian Equifax and Transunion credit report. 

XXXX XXXX XXXXXXXX Date XXXX Open/Closed : Closed Status : Charged Off Status XXXX Highest Balance : {$440.00} Credit Limit : {$200.00} XXXX  Account Number : XXXX Date XXXX XXXX XXXX Closed Status : Charged Off Status XXXX Highest Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Date XXXX Open/Closed : Closed Status : Charged Off Status XXXX XXXX XXXX : {$0.00} Credit Limit : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open/Closed : Closed Status : Charged Off Status XXXX Highest Balance : {$270.00} Credit Limit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open/Closed : Closed Status : Charged Off/Collection Account Status XXXX Highest Balance : {$370.00} Credit Limit : 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 2025-06-17 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: AR

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of ide
ntity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$100.00} 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 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 2025-06-17 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 submitting this complaint to formally request the immediate removal of a fraud alert from my credit file. My name is XXXX XXXX, and I previously requested a fraud alert as a precautionary measure. However, I no longer believe this alert is necessary. Despite my written request to have the alert removed, it remains on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to add or remove fraud alerts from my credit report as needed. Keeping this alert in place is now causing unnecessary obstacles and delays in my financial activities, including credit approvals and account openings. I am attaching valid identity verification documents, including my government-issued ID and proof of address, to support this request. I am requesting that the credit reporting agency promptly : Remove the fraud alert from my credit report Provide written confirmation once the removal has been completed I appreciate CFPBs assistance in resolving this issue with the credit reporting agency.

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 2025-06-17 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: TX

Complaint narrative:
I am submitting this complaint to formally request the immediate removal of a fraud alert from my credit file. My name is XXXX XXXX, and I previously requested a fraud alert as a precautionary measure. However, I no longer believe this alert is necessary. Despite my written request to have the alert removed, it remains on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to add or remove fraud alerts from my credit report as needed. Keeping this alert in place is now causing unnecessary obstacles and delays in my financial activities, including credit approvals and account openings. I am attaching valid identity verification documents, including my government-issued ID and proof of address, to support this request. I am requesting that the credit reporting agency promptly : Remove the fraud alert from my credit report Provide written confirmation once the removal has been completed I appreciate CFPBs assistance in resolving this issue with the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vunderable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions haves caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation