vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out to formally dispute inaccurate information thats showing on my credit report. Theres an account listed that I did not open, authorize, or have any involvement with whatsoever. This is a case of identity theft, plain and simple. This was a completely unauthorized and fraudulent use of my identity. I never gave anyone permission to open this account, and I had no knowledge of it until I saw it affecting my credit.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information contained in my LexisNexis consumer report. Upon reviewing my file, I discovered several insurance policies and accident claims that have no connection to me whatsoever. I am a victim of identity theft and have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ). Please find Identity Theft Report attached to this request.

Below are the fraudulent items that I demand be removed from my file : Fraudulent Address : 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 ( I have never lived at this address and have no association with it. ) XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA  XXXX Phone : ( XXXX ) XXXX Policy Number : XXXX Claim Numbers : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Policy Number : XXXX Claim Number : XXXX Associated with : Name : XXXX XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( I do not know this individual and have never lived at that address. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brock & Scott, PLLC
State: AL

Complaint narrative:
These people are contacting me using alias names, calling my relatives to collect on a debt that is not even owed. I was notified of a foreclosure on my property by a 3rd party and spoke with XXXX. In this conversation I mentioned I had a loan with the XXXX who my payments are current with and whom have been paid promptly for 3 years. Today I receive a letter in the mail from the XXXX notifying me that they are notifying me of default and full payment due to me being in default on another loan. The ONLY people I have mentioned XXXX to is this 3rd party which brock & scott says they are unaffiliated with. I have proof now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened 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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Fraud Team Barclays XXXX. XXXX XXXX XXXX, DE XXXX Dear Fraud Team, Ok, you denied my request.

XXXX  said my request was Identity fraud. 

My attorney says my request is also " wire '' fraud because the transaction was interstate commerce. 

Your credit card application I never complete. The timeshare person XXXX XXXX completed and signed it. She probably used my DocuSign signature. I was never shown or given a copy of the application or the Truth in Lending Statement.

The DocuSign summary sheet says there were 35 signatures made. The document I received from XXXX had only 28 signatures. Where are the other 7 signatures. 
Probably on your application and other pages omitted by XXXX. 

Also, XXXX 's name is missed spelled, which makes the entire document invalid. 

In XX/XX/year>2025 additional credit was denied us by XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, but you approved new credit. How did that happen? 

Again, I am requesting a copy of our credit card application plus a copy of the credit report ( s ) used to approve your credit card. 

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 2025-04-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX XXXX {$8.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$3400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  A Balance {$630.00} Open Date XX/XX/XXXX XXXX & XXXX XXXX {$450.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance {$430.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXXXXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED 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 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 writing to formally dispute the following unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were made without my knowledge, consent, or permissible purpose, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. 
The inquiries in question are as follows : XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate 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 vulnerable 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-30 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: NY

Complaint narrative:
I am writing to formally file a complaint against the three major consumer reporting agenciesExperian, Equifax, and TransUnionfor willfully and negligently failing to maintain accurate information on my consumer report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Upon reviewing my credit reports, I discovered the following fraudulent accounts listed : XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX Additionally, the following unauthorized hard inquiries have appeared on my reports without my consent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries are not mine and were not authorized in any capacity. 

Experian has made it exceedingly difficult to exercise my right to dispute under FCRA 611 ( 15 U.S. Code 1681i ), as their system has consistently been non-operational, leaving me with no available avenue to submit a formal dispute. This is a blatant failure in their duty to provide a reasonable method for consumer disputes.

Equifax and TransUnion have completely failed to respond to my prior dispute attempts, further violating their obligations under FCRA 1681i ( a ) ( 1 ) ( A ), which requires them to investigate disputed information within 30 days.

Moreover, by continuing to report these fraudulent items, the CRAs are in violation of FCRA 1681e ( b ), which mandates that they follow reasonable procedures to ensure the maximum possible accuracy of consumer report information.

These actions have caused undue stress, reputational damage, and hindered my ability to access credit fairly.

I request that the CFPB immediately : 1. Investigate the failures of Experian, Equifax, and TransUnion to provide dispute resolution mechanisms and responses as required by federal law.

2. Compel the credit reporting agencies to immediately remove the aforementioned accounts and inquiries from my reports.

3. Hold the credit reporting agencies accountable for failing to comply with their statutory responsibilities under the FCRA.

Please let me know if additional documentation is required to assist in this matter. I expect swift and appropriate action to correct these violations.

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 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Out of nowhere, an unauthorized inquiry appeared on my credit report this morning. Im beyond frustrated and confused because everything was fine before. I tried refreshing my browser thinking it was some kind of mistake, but the inquiry stayed. I need this issue resolved immediately and my submitted documents thoroughly reviewedthis has caused enough XXXX  already.

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 2025-04-30 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: AZ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Was notified by all Credit reporting agencies I had a collection posted on my Credit account submitted by XXXX Ability Recovery Services LLC. 
Once notified I contacted Ability Recovery Services LLC immediately via phone to inquire about debt and to request a Validation Letter, which they refused to provide as Ive never received previously at any point and have no knowledge of this debt as Ive been a victim of identity theft in the past. Ive also contacted the original debtor via phone, name & contact provided by Ability Recovery Services LLC and theyve advised they have no records of any debt owed by me under my Social Security number, Date of Birth or otherwise.

At this point Id like to demand it be removed from my Credit Report as Ability Recovery Services LLC has violated my rights to dispute.

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 2025-04-30 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: WA

Complaint narrative:
I am an XXXX XXXX servicemember in the XXXX XXXX. I am disputing a late payment reported by XXXX XXXX XXXX XXXX ( XXXX ) that occurred during a period of XXXX XXXX XXXX. The payment in question was reported late while I was XXXX under official military orders. 

On XX/XX/scrub>/2025, I contacted XXXX through their secure message system and submitted the following documentation : My official military orders showing the XXXX dates A military XXXX letter from my command A current Leave and Earnings Statement ( LES ) A copy of my military ID These documents clearly show that I was on XXXX XXXX at the time the late payment occurred. Despite this, XXXX responded that they do not offer courtesy or goodwill adjustments and refused to remove the late payment, even though I was not asking for a goodwill deletionI was asserting my rights under the Servicemembers Civil Relief Act ( SCRA ). 

The SCRA provides protections for servicemembers whose military duties materially affect their ability to meet financial obligations. I believe XXXX failed to review or apply these protections appropriately. I am requesting that the CFPB investigate whether XXXX actions violate SCRA protections and ensure the late payment is removed or corrected as appropriate.

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