vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: LA

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, US Postal Service. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 2025-06-22 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I am writing to formally dispute and demand immediate investigation into the handling of my Military Star Card account, which I believe has involved multiple violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Servicemembers Civil Relief Act ( SCRA ). 

My Military Star Card account has been inactive for over XXXX ( XXXX ) years. During this time, I have : Not received a physical card or any updated replacement ; Not authorized any new charges or account activity ; Not been provided with billing statements, account notifications, or any attempts to contact me regarding a debt.

Recently, I discovered that money is being deducted from my retirement pay through DFAS. These deductions were made without my knowledge, consent, or prior notification, and I was never afforded the opportunity to validate or dispute the alleged debt.

I believe the following violations have occurred : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 USC 1681i : No investigation or notice of disputed information.

15 USC 1681c ( a ) ( 4 ) : Potentially outdated or obsolete negative information.

Fair Debt Collection Practices Act ( FDCPA ) : ( If a third-party collector is involved ) 15 USC 1692g : No debt validation notice was provided within 5 days of initial communication.

15 USC 1692e : Misleading and unauthorized deductions from protected income.

Servicemembers Civil Relief Act ( SCRA ) : 50 USC 3931 & 3936 : No due process or court order prior to deductions or garnishment.

50 USC 3937 : Improper interest rates or fees may have been applied without required court oversight. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: MO

Complaint narrative:
A collection agency called Midwest Fidelity Services has reported a XXXX debt for XXXX XXXX to XXXX XXXX XXXX XXXX. The reported amount is {$1700.00}, and the reporting date is XX/XX/year>. 

I do not owe this debt. I was never billed, never informed, and never authorized any disclosure of my information to a third-party debt collector or credit bureau XXXX 

This is a violation of the Fair Credit Reporting Act ( FCRA ) for reporting inaccurate and unverifiable information, and it also raises serious XXXX privacy concerns. I have filed a formal complaint with the XXXX XXXX for XXXX XXXX as well. 

I am requesting that this inaccurate account be immediately removed from my credit report, and that appropriate enforcement action be taken.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I sent money in CashApp to someone who ultimately defrauded me. I reached out to CashApp and my bank to refund the transaction to no avail. I have filed a police report with my local county. 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 2025-06-22 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: AL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 2025-06-22 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Early Warning Services ( EWS ) for unlawfully retaining and reporting my personal consumer data without my knowledge, consent, or any identifiable lawful basis in clear violation of the Fair Credit Reporting Act ( FCRA ).

I recently obtained a consumer report from Early Warning Services, and to my shock, I found they were storing detailed information about me. I never authorized any financial institution to report to EWS, nor was I notified that any of my banking or application activity would be shared with or processed by this company.

Furthermore, the presence of this data has directly harmed me : I have been denied the ability to open new bank accounts due to information that EWS is sharing with financial institutions information I did not approve or even know existed until recently. 

This is an egregious violation of my consumer rights. Specifically : I was never given the opportunity to opt in or out of EWS data collection.

I was never given notice of adverse actions taken due to EWS data.

I can not identify any permissible purpose that justifies this data collection under the FCRA.

I am requesting the CFPB to : 1. Investigate how Early Warning Services obtained and stored my personal data 2. Determine whether they had a lawful, documented, and verifiable permissible purpose 3. Compel Early Warning Services to delete any and all information they hold about me 4. Ensure that I am no longer flagged or hindered in my ability to open a bank account I am also requesting that CFPB consider regulatory enforcement or corrective action if it is found that EWS is engaging in systemic FCRA violations that harm consumers like me.

This situation is blocking my access to basic financial services and must be resolved urgently. I am prepared to provide my EWS report and supporting documents upon request.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-22 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: TX

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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Have used XXXX with WElls Fargo since 2013, they have just recently attached a warning on money transfers that did not inform me that my funds would be lost if sent to wrong individuals

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Credit Reporting Company TransUnion Hi My Name is XXXX XXXX : Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX. XXXX XXXX. XXXX In XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX requested/filed a dispute with TransUnion regarding a charged-off account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX. The amount of the Charged-Off Account with XXXX XXXX is {$11000.00}. 

In accordance with Federal Law this debt was Charged-Off by the creditor and subsequently reported to the IRS on Form 1099-C, indicating it was discharged and treated as taxable income. As I have already included this canceled debt in my tax filing, it is my understanding that the creditor has relinquished all legal claims to the debt. 

Therefore, I am requesting that this charge-off account be removed from my credit report, as continuing to report a canceled debt may constitute inaccurate or misleading information under the Fair Credit Reporting Act ( FCRA ).

On these previous filed disputes, this account was not removed from my credit profile. I am filing a complaint about the illegal reporting of a creditor on my credit profile, which is causing significant harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
I am reaching out to address any discrepancies or incomplete information that may be present in my credit report as required by FCRA Section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards. I understand that accuracy and thoroughness are crucial in maintaining a compliant profile. I kindly request that you complete your verification process in a reasonable timeframe and ensure that all information on my credit report is evaluated and confirmed. 

I believe that certain aspects of my credit history have not been accurately reported or validated. As a responsible consumer, it is my right to request that all information on my credit report is factual, verifiable, and in compliance with regulations. I would greatly appreciate it if you could rectify any inaccuracies immediately. 

Moreover, I would like to request that you investigate the origin of each account and verify that all creditors have a legitimate basis for accessing my credit report. If this can not be done, I may have to consider legal action. 

Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Please Delete this Account! 

Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX Please Delete this Account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
Experian seems to allow second reporting from debt collection agencies which dropped my credit significantly after original credit card sold my debt when I tried to work with via phone. I dont think its fair to allow that to XXXX reported again this has dropped me from a almost XXXX down to barely over XXXXXXXX XXXX with original credit card vendor reporting charged off status and then I work my way back up past a XXXX to be taken back down with debt collector to a XXXX. I dont think that is fair for Experian, TransUnion or any other Credit bureau to allow double reporting. I also think that a debt collector needs to have a signed agreement from consumer agreeing to pay that debt directly to them before reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: LA

Complaint narrative:
XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of 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 XXXXXXXX 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