vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. Specifically, there is an account listed that does not belong to meit belongs to someone else entirely, and it appears that my credit file has been inappropriately mixed with another individual 's financial data. 

This is a serious error. The account in question is not mine, and I have no connection whatsoever to the person it belongs to. I have never opened or been associated with this account, and its presence on my credit report is not only misleading but also damaging to my financial standing.

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 2025-07-29 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: NJ

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-29 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$300.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$0.00} INQUIRIES 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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This all began with Deceptive business practices by XXXX XXXX XXXX  fraudulently charged my capital one credit cars a NO show charge of XXXX. I showed up to pick up a rental on XX/XX/year> and XXXX didnt have any vehicle for me. End of XXXX XXXX charged my capital one card a no show fee. XXXX. 

XX/XX/year> - XX/XX/year>, Ive been disputing this charge with Capital one providing capital one proof that I showed up to XXXX XXXX on XXXX XXXX, XXXX, XXXX All i had were pics of me in front of the location XX/XX/year> time and date stamped. XXXX receipts etc. And it was a fraud charge. 5 calls very frustration and anxiety running rampant plus financially. 

Regardless of all the proof I provided CApital one, they decided Final decision for XXXX. Capital one employee stated it was a rule with XXXX  and XXXX  XXXX, that a reciept is needed from XXXX. However, when XXXX does not have a vehicle for you, they do not provide a receipt to you that they did not have a vehicle you reserve reserved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
According to the FCRA 607 ( b ), credit report agency required to maintain a reasonable procedure to ensure maximum possible accuracy of the information they report.

Additionally, under FCRA 609 ( a ) ( 1 ), I am entitled to full disclosure of my credit file, and under FCRA 611, I have the right to dispute and request reinvestigation of inaccurate and unverified information.

Correct and remove this inaccurate personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am a small business owner, and I recently created a Square account to begin accepting payments. My name is XXXX XXXX XXXX, and I launched my business just days ago. On my second day of sales, my Square account was suddenly XXXX during active transactions, and I received no clear reason why. 

I believe the account may have been flagged because a client used prepaid cards to pay me. While I understand Square is cautious about fraud, I want to be clear : these were legitimate transactions, not suspicious activity. I had no intent to violate any terms, and I had only just started using the platform. 

This unexpected account closure has been extremely damaging. I relied on Square to process payments and run my new business, and now Ive lost access to essential services without any way to operate or recover my sales. 

Ive already reached out to Square support, and Ive filed a XXXX  complaint, but I havent received a helpful response. Im asking the CFPB to help me request : A manual review of my account Reinstatement if no actual violations occurred The release of any held funds if applicable Ive done nothing fraudulent or abusiveIm simply trying to run my business, and I would deeply appreciate the opportunity to resolve this and get back to work. 

Thank you for your time and help. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Inquired on XXXX XXXX XXXXXX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I financed a career consulting program through Affirm with XXXX, Loan ID : XXXX in XX/XX/XXXX. The merchant submitted a contract to Affirm claiming I agreed to non-refundable fees and services, but the document I signed was only a sample agreement with placeholder dates ( XX/XX/XXXX ), initials instead of my full name ( e.g., " XXXX '' ), and a non-final version of pricing. 

On XX/XX/XXXX, the merchant sent a XXXX link asking me to complete the actual agreement, stating they had not yet received my final signature. I never completed or signed the final agreement through XXXX. 

Despite this, Affirm ruled in favor of the merchant without reviewing this timeline or evidence. I submitted : Screenshots showing that the merchant confirmed they were still waiting for a signed agreement after I submitted the sample. 

The incomplete XXXX agreement ( with only typed fields, no e-signature, no completion certificate ). 

A mismatch in the non-refundable fee listed in the sample vs. what was actually charged ( {$3500.00} vs. {$2500.00} ). 

A written message I sent on XX/XX/XXXX and XXXX, XXXX, formally canceling the service due to dissatisfaction and lack of promised results, and asking to cancel remaining/outstanding balance. 

I have a credit score above XXXX and always meet my financial obligations. In good faith, I submitted two payments while waiting for a resolution. However, I do not believe I should be held liable for a contract that was never legally executed or for services that did not meet expectations. 

I am requesting that the remaining loan balance be canceled due to the lack of a binding contract and misrepresentation by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-29 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am submitting this complaint due to the continued reporting of unauthorized hard inquiries and inaccurate personal information on my credit report, despite having submitted a formal identity theft dispute over 30 days ago with all supporting documentation, including my FTC Identity Theft Report ( FTC Report Number : XXXX ). 

In accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to block identity theft-related information within 4 business days upon receipt of a valid identity theft report. To date, no action has been taken, and I have received no proper response, which is a direct violation of federal law. 

The issues include : XXXX ) Unauthorized hard inquiries on my credit report which I did not authorize nor initiate. 
XXXX ) Failure to block or remove these inquiries after submitting a valid identity theft report. 
XXXX ) Inconsistent and inaccurate personal information, including incorrect or outdated addresses, name variations, and employment data. 
XXXX ) Lack of any real investigation or human response, despite complying with legal requirements under the FCRA. 

DEMANDS : -Immediate and permanent deletion of all unauthorized hard inquiries from my credit report across all three bureaus. 

-Immediate correction of my personal identifying information so that it reflects only accurate and verified data ( name, address, employer ). 

-A written confirmation that these changes have been made and that the disputed items will not be reinserted without full compliance under FCRA 1681i ( a ) ( 5 ).

-A resolution handled by a real agent, not an automated system or generic denial. 

FTC Identity Theft Report ( Report Number : XXXX ) List of disputed hard inquiries Failure to act will result in legal escalation under 15 U.S.C. 1681n and 1681o, seeking damages for noncompliance. 

HARD INQUIRIES : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX 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 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 INCORECT PERSONAL INFORMATION : NAMES : XXXX ) XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX  XXXX XXXX CORRECT NAME : XXXX XXXX XXXX INCORRECT ADRESS : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX CORRECT ADRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INCORRECT EMPLOYER NAME : SELF EMPLOYED XXXX XXXX XXXX CORRECT EMPLOYER NAME : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Complaints submitted on XX/XX/year> and XX/XX/year> did not result into an investigation as requested. This account was opened in my name and was not authorized by me and is part of identity theft and fraud. I have attached proof that another card was also opened in fraud, and this was investigated properly unlike this account. I have no knowledge of this account and never opened an account with. I request an immediate removal of this account and cease of collection activities. There are two accounts listed in collection and they are unknown one in the amount of {$1100.00} and the other {$7900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint concerning an unauthorized credit inquiry that was made on my credit report without my knowledge or consent. This inquiry negatively impacts my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX I did not authorize this company to perform a hard inquiry to my credit report. I have made multiple attempts to Transunion, Equifax and Experian to remove, and nothing has been done. 
I have not applied for any loan service from this entity. 

I respectfully request that the Consumer Financial Protection Bureau to : XXXX. Investigate this matter in accordance with the FCRA XXXX. Require the company to provide proof of my authorization for the credit inquiry XXXX. If not other authorization exists, request the company immediately remove the inquiry from all affected credit bureaus XXXX. Take any other appropriate regulatory action to prevent further abuse of consumer credit information. 
Thank you for your attention to this matter. I trust that the CFPB will help ensure my rights as a consumer are protected.

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 2025-07-29 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: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint due to a false or unverified debt being associated with my credit report and the unprofessional behavior I encountered while attempting to resolve the matter. 

Recently, I discovered a collection account potentially tied to that property appearing on my credit file. I reached out to the apartment complex, who advised me to contact ProCollect regarding the matter.

My experience with ProCollect has been unprofessional and unhelpful : On my first call, the representative was rude and abruptly hung up on me before I could gather any information. 

On a second call, I spoke with XXXX XXXX, who provided no documentation or helpful insight and stated that ProCollect has no record of any open balance or collection account associated with me. 

Despite their claim, this collection is still negatively impacting my credit report. I requested documentation to validate the debt, but I have received no written response or confirmation. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am entitled to clear and accurate information about any reported debt.

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