vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
these accounts keep being reinserted back on my reports and are hindrance to my succeeding in life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I was charged by the insurance company but never started the policy due to the car i was going to purchase never got purchased. I even called and told the company that I didn't purchase the car, and they said that nothing had been processed, and I would be fine leaving me with a debt of XXXX in debt. On my credit report which I later had to come back and pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TN

Complaint narrative:
Medical bill has not been released off of my credit report It was sent to another company then out into collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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 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 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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX I received a Cashapp card in the mail I did not request. I do not have a Cashapp account, so someone must be using my identity fraudulently. I contacted Cashapp immediately to attempt to get information about this account and close it, but while they confirmed the existence of the account and that someone was likely trying to steal my identity, they refused to do anything unless I downloaded their app and made an account with them. I refuse to do that because I do not have faith in their security. Therefore I have not been able to close the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
I am formally notifying you that I am a victim of identity theft and a recent data breach, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1692g, I demand full validation of all alleged debts reported or collected in my name. You are legally obligated to provide : The original creditors name and address, A copy of the signed contract or docume
ntation bearing my signature, Proof that you are authorized to collect this debt, and A complete itemized breakdown of the amount allegedly owed.

If you can not provide this information, you must cease all collection efforts and remove the account from any credit reporting agencies.

Additionally, under 15 U.S.C. 1681i-7, I am invoking my rights to dispute information resulting from identity theft. I have been affected by a data breach and never authorized or opened the accounts in question. As such : I demand that you block and delete all fraudulent accounts associated with this identity theft. 

You are to immediately initiate a reinvestigation, and under FCRA law, remove any unverifiable, inaccurate, or fraudulent information. 

This is a formal dispute and notice. If you fail to comply, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider taking legal action for your failure to protect my consumer rights. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$620.00}

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 2025-07-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I sent money for items that I ordered using the company app Remitly. This morning I tried to use the app but it kept saying error. After that I manually tried to sign in and it said my account was suspended. I called the company Remitly and I was told my account was suspended because of the receiver had multiple accounts that was suspended because of fraud and I asked about my money back and they said they couldnt do anything and I want my money back because my money should be protected by this company and how do they allow this person and company to keep making accounts and committing fraud to consumers like me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
RE : Account Name : XXXX XXXX XXXX Account # XXXX Amount : {$1300.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information. 
Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law. 
Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law. Should you continue to report unverifiable or inaccurate charge-off acco
unts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CT

Complaint narrative:
RE : Account Name : XXXX XXXX XXXX Account # XXXX Amount : {$1300.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information.

Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law. 
Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law.

Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CT

Complaint narrative:
RE : Account Name : XXXX XXXX XXXX  Account # XXXX Amount : {$1300.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information.

Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law.

Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law.

Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accurancy. I have never been late on payments for the account ( XXXX XXXX ) ( XXXX ) Please investigate and provide proof can't be provided i demand these payments be updated to on time as should be as i was never late thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I tried to dispute several items on my Experian but it keeps saying I can only call even though it gives option to try to dispute online it never lets me. I don't want to sit on the phone waiting a long time to get someone and then to try to dispute at least 5-7 items on my report that are inaccurate. I should be able to dispute easily online l.

Also, transunion only allows you to dispute 1 item on report at a time until it's processed and processing can take 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to a [ call/letter/email ] I received on [ insert date ], in which you claim that I owe a debt. I do not recognize this debt and am requesting that you provide validation of the debt as required by the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ). 

Please provide the following information : XXXX. The name of the original creditor ; XXXX. The amount of the debt ; XXXX. A detailed breakdown of any interest, fees, or other charges added to the original debt ; XXXX. Verification that you are authorized to collect on this debt ; XXXX. Copies of any documents that show I agreed to assume this debt ; XXXX. A copy of any judgment, if applicable ; XXXX. Proof that the statute of limitations has not expired on this debt ; XXXX. Your debt collector license information for my state, if required. 

Until you provide this information, I am requesting that all collection efforts, including reporting this debt to credit reporting agencies, cease. 

Please note that any attempt to collect on a debt without validating it is a violation of the FDCPA. If you do not respond within 30 days of receiving this letter, I will consider the matter closed. 

This is not an acknowledgment of any debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was a victim of identity theft in XXXX. While preparing to purchase a home, an unauthorized XXXX account appeared on my credit report. I contacted XXXX immediately, and they offered a pay-for-deletion resolution. Relying on their verbal assurance, I paid the account in full. However, the account was never removed. 

XXXX has since reinserted the account multiple times, changed the open date, altered the payment history, and continued reporting it inaccurately without proper notice, in violation of FCRA XXXX ( a ) ( XXXX ) ( B ) and FCRA XXXX ( a ) ( XXXX ). 

I have submitted disputes with all three credit bureaus, provided proof of identity theft and police reports, and yet XXXX continues to verify this account as accurate without proper reinvestigation, violating FCRA XXXX, XXXX, and 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my XXXX  credit report. Upon reviewing my credit file, I noticed multiple inquiries that I did not authorize, or that resulted in no approval or credit issuance. These unnecessary inquiries are negatively impacting my credit score. 

Below is a list of the inquiries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> While I may have applied for credit or financing, I did not proceed with or receive any funding or approval from these institutions. Therefore, I am requesting that these inquiries be investigated and removed from my report if they are found to be unauthorized or unsubstantiated.

Please treat this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). If the businesses that made these inquiries can not verify that I approved them and received a line of credit or service, I request that the entries be removed immediately. 

I have included a copy of my identification and a screenshot from XXXX XXXX showing the inquiries in question for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my XXXX  credit report. Upon reviewing my credit file, I noticed multiple inquiries that I did not authorize, or that resulted in no approval or credit issuance. These unnecessary inquiries are negatively impacting my credit score.

Below is a list of the inquiries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> While I may have applied for credit or financing, I did not proceed with or receive any funding or approval from these institutions. Therefore, I am requesting that these inquiries be investigated and removed from my report if they are found to be unauthorized or unsubstantiated. 

Please treat this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). If the businesses that made these inquiries can not verify that I approved them and received a line of credit or service, I request that the entries be removed immediately. 

I have included a copy of my identification and a screenshot from XXXX XXXX showing the inquiries in question for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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