vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I have received an alleged offer from " national credit adjusters " on my credit profile. This company is perpetuating a fraud by attaching a debt to my credit report.

15 US CODE 1692 C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
I am a victim of identity theft and have discovered accounts and inquiries on my credit report that I did not authorize. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent items be blocked and removed from my file. 

Please send written confirmation once the deletions are complete.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
I don't remember the exact day my account was closed by cashapp. But I know I appeal the decision and I asked for what reason is my account being closed and was told that information can not be discussed with me and I didn't understand why, and really like my right to know had been violated. I had that account since 2018 and it really hurt me. I ask can my account be restored and allow me to continue using my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

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 2025-08-11 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-11 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
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 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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/XXXX I purchased XXXX of storage to get access to the advanced/pro version of XXXX XXXX  XXXX XXXX XXXX told me I needed a XXXX XXXX sub- scription. I didn't know that I already had a XXXX sub- scription from XXXX of XXXX. I found out within minutes of my purchase that I didn't need either storage subscriptions. I immediately tried to cancel the XXXX subscription to no avail. I informed Capitol One of the error.the next day. I convinced XXXX of the mistake and on XXXX XXXX they canceled the subscription. One day before the it was to take affect.All this was told to Capitol One by phone and email. I also mailed a paper copy of the cancelled transaction to the proper address for disputes for Capitol One as evidence. They have the copy in their possession. I asked Capitol One to back charge XXXX since no services or products were received by me and the transaction was canceled. The amount charged to me thru Capitol One is in the amount of {$240.00}. I discussed this whole matter with Capitol One on XXXX XXXX spoke with 4 different people over a 2hXXXX. phone call. I spoke with XXXX XXXX ( ID. # ) and XXXX XXXX ( ID. # ). I couldn't get a fair resolution with either party. I asked XXXX what I could do to get my money back and she finally told me to contact XXXX. 
I thanked her the information.I hope to thank XXXX for helping me to get my XXXX  back from Capitol One since I rec 'd NO services or products from XXXX and they had proof that the transaction with XXXX had been canceled. I asked XXXX if she had the copy of the canceled transaction I mailed to Capitol One and she said she had that information and she was looking at it. The conversation ( s ) ended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

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 2025-08-11 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this statement as part of a formal complaint regarding the inaccurate reporting of Late Open accounts on my credit report. These entries appear to have been opened without proper authorization or have been reported in a manner that misrepresents their actual status or timing. This misreporting is having a negative effect on my credit profile and does not accurately reflect my financial history.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7400.00}

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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this statement as part of a formal complaint regarding the inaccurate reporting of Late Open accounts on my credit report. These entries appear to have been opened without proper authorization or have been reported in a manner that misrepresents their actual status or timing. This misreporting is having a negative effect on my credit profile and does not accurately reflect my financial history.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

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 2025-08-11 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-11 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:
The following account ( XXXX ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} XXXX/NC XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-08-11 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: MI

Complaint narrative:
The following account ( XXXX ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} XXXX/NC XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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

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 2025-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Credee Corporation
State: AL

Complaint narrative:
Someone tried to get a morgage loan on a house and it popped up on my credit report Comments Statement added because consumer was a victim of true-name fraud : XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

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 2025-08-11 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681, section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c, ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AR

Complaint narrative:
I am submitting this follow-up in support of my previous complaint and to formally notify the Consumer Financial Protection Bureau that I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ). The FTC Report outlines fraudulent activity involving my personal information, which has resulted in inaccurate and unauthorized information being reported on my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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