vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently filed a claim on the CFBP website and my claim got denied. I have a lot of reports on my credit report saying that I have accounts that are past due or closed which I know for a fact thats the opposite. I already requested them for proof but they never got back to me. As of today my score is affected and Im unable to use my credit for anything, I would like them to provide proof on all the past due balance and closed accounts that they have. If not please fix this issue.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : 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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
b"LVNL funding keeps calling through phone numbers with a title of XXXX, and many different times a day and through out the weeks , sending me text and phone call, and leaving messages that a complaint has been filed against me.They have sent me letters that state in Texas the cant sue but I need to pay them, even if I do not admit or deny the debt, I have research this this an inaccurate amount of XXXX I never borrowed or request such an amount,  from what I understand this a debt that is XXXX XXXX XXXX XXXX old. but it's not my mine, nor did I ever ask fro such amount(I don't use personal loans), It needs to be remove off my collections area of my credit report. thank you.\nnumbers they are calling me from,XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: SC

Complaint narrative:
Please see attached documentation pertaining the XXXX data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Reports # : XXXX, XXXX Dear Transunion Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX data breach. I have included a copy of my Identity Theft Reports ( XXXX, XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 

The details of the fraudulent accounts are as follows : XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 

Sincerely, XXXX XXXX : XXXX XXXX XXXX XXXX, XXXXXXXX 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 2025-03-08 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:
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 four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a personal loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a personal loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-03-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reporting agencies ensure the maximum possible accuracy of consumer information. 

Additionally, under 15 U.S.C. 1681o, Experian may be held civilly liable for negligent noncompliance with the FCRA, including failure to investigate and correct inaccurate information. Under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) of the Consumer Financial Protection Act, it is also unlawful for consumer reporting agencies to engage in any unfair, deceptive, or abusive acts or practices. 

Furthermore, under 15 U.S.C. 1681c-2 ( Section 605B ) of the FCRA, if this inaccurate information is the result of identity theft, I have the right to request that it be blocked from my credit report. If applicable, I am providing the necessary documentation to support this claim, and I request that Experian take immediate action in compliance with the law. 

In compliance with the FCRA, I expect an investigation and a response within 30 days of receiving this dispute. If Experian fails to correct these inaccuracies, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 

Enclosed are copies of supporting documents to support my claim. Please update my credit file accordingly and send me written confirmation once the corrections have been made. 

Thank you for your prompt attention to this matter. Please respond in writing to confirm receipt and the outcome of your investigation. 

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 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX XXXX unauthorized transfer of {$2000.00} to unknown business that was not legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against CASHAPP ( block.inc ) due to inadequate customer service & unfair practices ... I believe my Cash App account has been compromised, leading to unauthorized transactions that I did not initiate. I am requesting a full refund for the disputed amounts and immediate action to secure my account from further fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
I was trying to purchase a vehicle on cash app and the person saleing it was not the person that it was supposed to be I sent XXXX through cash app come to find out the person got hacked and wasn't selling anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Harris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Subject : Formal Request for Account Information Dear Sir/Madam, I am writing to formally request specific information regarding the account associated with me, currently reported under your collection agency. Please provide the following details for my records : 1. The date of delinquency for this account.

2. The date of the last payment made on this account.

3. The date the account was charged off by the original creditor. 
Please note that this is not a dispute but a formal request for information. I appreciate your cooperation and request that you provide the requested details in writing at your earliest convenience. 
Thank you for your time and assistance. I look forward to your prompt response. 
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 2025-03-07 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: RI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I have recently reviewed my credit report and found multiple inaccuracies that require immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting these items be investigated for accuracy. If an item can not be verified or is proven to be incorrect, I demand its prompt removal or correction as required under 15 U.S. Code 1681e ( b ) Accuracy of Report and 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information.

Additionally, I am a victim of identity theft, which I have documented in the attached police report. These incorrect entries are hurting my financial stability, and I ask that these matters be resolved urgently. The following accounts in my credit report require your attention : XXXX XXXX XXXX Account Number : XXXX This account does not belong to me. I have never opened or authorized this account. I request that you investigate it immediately and remove it from my credit report. 
XXXX XXXX Services Account Number : XXXX The late payments listed for this account are inaccurate. I have always paid this account on time. Kindly update the payment history to reflect my accurate record of timely payments. 
XXXX XXXX Services Account Number : XXXX My payment history for this account has been reported incorrectly. I have never been delinquent on this account. Please make the necessary adjustments to reflect my excellent payment history. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX This account is fraudulent and does not belong to me. It was opened without my knowledge or authorization. Kindly investigate this account and delete it from my credit report. 
XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX This is not my account, and it has been reported on my credit without my consent. I was a victim of identity theft, as verified by the enclosed police report. I request its immediate removal from my file. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX This account is completely fraudulent. I have never opened or managed this account, and it must be removed after proper investigation. 


As these accounts either contain inaccuracies, have been established through fraud, or can not be verified, they must be corrected or removed as per FCRA regulations. Please respond to this dispute within 30 days, as required by law, with an update on the corrective action taken. 


I have enclosed the necessary documents, including my police report and supporting identification, to assist with your investigation. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I have recently reviewed my credit report and found multiple inaccuracies that require immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting these items be investigated for accuracy. If an item can not be verified or is proven to be incorrect, I demand its prompt removal or correction as required under 15 U.S. Code 1681e ( b ) Accuracy of Report and 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information.

Additionally, I am a victim of identity theft, which I have documented in the attached police report. These incorrect entries are hurting my financial stability, and I ask that these matters be resolved urgently. The following accounts in my credit report require your attention : XXXX XXXX XXXX Account Number : XXXX This account does not belong to me. I have never opened or authorized this account. I request that you investigate it immediately and remove it from my credit report. 
XXXX XXXX Services Account Number : XXXX The late payments listed for this account are inaccurate. I have always paid this account on time. Kindly update the payment history to reflect my accurate record of timely payments. 
XXXX XXXX Services Account Number : XXXX My payment history for this account has been reported incorrectly. I have never been delinquent on this account. Please make the necessary adjustments to reflect my excellent payment history. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX This account is fraudulent and does not belong to me. It was opened without my knowledge or authorization. Kindly investigate this account and delete it from my credit report. 
XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX This is not my account, and it has been reported on my credit without my consent. I was a victim of identity theft, as verified by the enclosed police report. I request its immediate removal from my file. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX This account is completely fraudulent. I have never opened or managed this account, and it must be removed after proper investigation. 


As these accounts either contain inaccuracies, have been established through fraud, or can not be verified, they must be corrected or removed as per FCRA regulations. Please respond to this dispute within 30 days, as required by law, with an update on the corrective action taken. 


I have enclosed the necessary documents, including my police report and supporting identification, to assist with your investigation. 


Thank you for your prompt attention to this matter. 


Sincerely, 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 2025-03-08 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 was alarmed to find incorrect accounts on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-03-08 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: U.S. BANCORP
State: IL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiry Identity Theft Victim Dear Consumer Financial Protection Bureau, I am a victim of identity theft, and my personal information was compromised. As a result, an unauthorized and fraudulent credit inquiry appeared on my credit report. I have never applied for credit, authorized, or initiated this inquiry with U.S. Bank on XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, credit inquiries require consumer authorization. Since I did not provide consent, this inquiry is a violation of my rights. Additionally, under 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent information resulting from identity theft. 
I have already disputed this inquiry with the credit bureaus and the data furnisher, yet it remains on my report. I am requesting immediate action from the CFPB to ensure U.S. Bank and the credit bureaus remove this fraudulent inquiry as required by federal law. 
Please confirm receipt of this complaint and provide updates on its resolution.

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