vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: AL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-13 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:
I HAVE BEEN AFFECTED OF TRAFFICKING 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 TRAFFICKING. 



Account Name :XX/XX/XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXXXX/XX/XXXX# XXXX - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXXXX/XX/XXXX # XXXX - Date Opened XX/XX/XXXX Account Name :XX/XX/XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: PA

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 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IL

Complaint narrative:
my refund check was deposited into my old account cash app account. 
I called cash app and I gave them everything they ask for .to access. they will not give me information about my old account because I don't have the old cell phone number or email. Address any more. I chat with higher ups no one will help saying because of security reasons they can't help me. if i have ID SOCAIL SECUIRTY CARD. everything to prove I'm that person what else do u need. I'm asking to get my refund. I don't know what else to do. 

XX/XX/year>2025 {$4300.00} action taken chat a number of times with customer service to no help in getting my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. 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.

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 2025-03-13 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX - XXXX, High Balance : {$0.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$1700.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXXXXXX, High Balance : {$3000.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$3000.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, High Balance : {$700.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$470.00}, Last Date of Payment : 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 2025-03-13 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX - XXXX, High Balance : {$0.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$1700.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXXXXXX, High Balance : {$3000.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$3000.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, High Balance : {$700.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$470.00}, Last Date of Payment : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting my identity verification documents as I submitted a request for a new pin to unfreeze my clarity report. 

I grant XXXX XXXX  permission to permanently unfreeze my 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 2025-03-13 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: WA

Complaint narrative:
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 identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 10 fraudulent accounts appearing on my consumer FICO EXPERIAN credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 9 hard inquiries : XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXXXXXX XXXX on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-13 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: GA

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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation and Assignment of Contract I am writing in response to your recent communication regarding the following accounts : XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX NAVY FCU Account # XXXX NAVY FCU Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt for these accounts. Specifically, I request the following : Proof of the debt : Please provide the original contract or agreement that demonstrates the debt is valid and that I owe the amount you claim. 

Proof of assignment of the contract : Provide documentation that shows the original creditor has legally transferred or assigned the debt to your collection agency. 

Details of the debt : Include the total amount owed, the date of the original charge, and a detailed breakdown of any interest or fees applied to the account. 

Notification to the credit bureaus : As required under the Fair Credit Reporting Act ( FCRA ), I request that the debt be updated with the credit bureaus to reflect this dispute and the fact that the account is being reviewed for validation. 

Please note that until you provide this verification, you must cease any further collection activities on the aforementioned accounts, and you may not report this debt to the credit bureaus. Additionally, if the debt is not validated within 30 days, you must remove any negative information related to these accounts from my credit report in compliance with the FCRA.

I request that all future correspondence regarding these matters be made in writing and sent to my address listed above. Thank you for your prompt attention to this matter. If I do not receive the requested validation within 30 days, I will consider the matter closed, and I may take further action if necessary. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation and Assignment of Contract I am writing in response to your recent communication regarding the following accounts XXXX XXXX XXXXXXXX Account # XXXX STATECU Account # XXXX STATECU Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX STATECU Account # XXXX STATECU Account # XXXX XXXX Account # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt for these accounts. Specifically, I request the following : Proof of the debt : Please provide the original contract or agreement that demonstrates the debt is valid and that I owe the amount you claim. 

Proof of assignment of the contract : Provide documentation that shows the original creditor has legally transferred or assigned the debt to your collection agency. 

Details of the debt : Include the total amount owed, the date of the original charge, and a detailed breakdown of any interest or fees applied to the account. 

Notification to the credit bureaus : As required under the Fair Credit Reporting Act ( FCRA ), I request that the debt be updated with the credit bureaus to reflect this dispute and the fact that the account is being reviewed for validation. 

Please note that until you provide this verification, you must cease any further collection activities on the aforementioned accounts, and you may not report this debt to the credit bureaus. Additionally, if the debt is not validated within 30 days, you must remove any negative information related to these accounts from my credit report in compliance with the FCRA. 

I request that all future correspondence regarding these matters be made in writing and sent to my address listed above. Thank you for your prompt attention to this matter. If I do not receive the requested validation within 30 days, I will consider the matter closed, and I may take further action if necessary. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation