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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriCollect
State: FL

Complaint narrative:
I think I have been a part of identity theft I asked to present it with a copy of the original contract of agreement with my signature

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX ( Account : XXXX, Opened XX/XX/XXXX, Balance- {$760.00}, All three bureaus ) XXXX XXXX XXXX  ( Account : XXXX, Opened XX/XX/XXXX, Balance- {$810.00}, All three bureaus ) XXXX  XXXX XXXX XXXXs XXXX Account : XXXX, Opened XX/XX/XXXX, Balance- {$1500.00}, All three bureaus ) Online collections ( Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/XXXX, Balance- {$770.00}, EQuifax collection ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. My identity theft affidavit is fully valid, and Experians refusal to investigate and block the fraudulent accounts is unlawful. I demand that these fraudulent accounts be manually reviewed and deleted from my credit reports. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX ( Account : XXXX, Opened XX/XX/XXXX, Balance- {$760.00}, All three bureaus ) XXXX XXXX XXXX ( Account : XXXX, Opened XX/XX/XXXX, Balance- {$810.00}, All three bureaus ) XXXX  XXXX XXXX XXXX XXXX Account : XXXX, Opened XX/XX/XXXX, Balance- {$1500.00}, All three bureaus ) Online collections ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance- {$770.00}, XXXX  collection ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. My identity theft affidavit is fully valid, and XXXX  refusal to investigate and block the fraudulent accounts is unlawful. I demand that these fraudulent accounts be manually reviewed and deleted from my credit reports. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 a victim of identity theft resulting from a data breach that compromised my personal identifying information, including my Social Security number. Fraudulent accounts were opened in my name without my knowledge or consent.

In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), I submitted a formal dispute to the credit bureaus. I included a valid FTC Identity Theft Report, government-issued ID, proof of address, and a screenshot confirming the data breach that led to the theft. 

The fraudulent accounts are : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$15000.00} XXXX  XXXX Opened : XX/XX/XXXX Balance : {$1200.00} I also attached a PDF copy of FCRA XXXX XXXX with my submission for reference. Despite meeting all legal requirements, the credit bureaus have not removed or blocked these accounts, as required under federal law. I am requesting that the CFPB investigate this matter and ensure full compliance with FCRA Section 605B.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I had sent a picture of myself holding my drivers license and they still wont approve my request so I can get access to my Venmo funds and Ive done what they asked numerous of times.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
RE : Request for Addition of Address to Consumer File Notice of Rights under the FCRA and FDCPA To Whom It May Concern : This letter serves as my formal request that you immediately add the following additional address and personal information to my consumer file maintained by XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX PH : XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to full and accurate disclosure of all personal identifying information contained in my consumer file. This includes the right to have accurate, complete, and up-to-date address information recorded in my file. 
Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any reporting of incomplete or outdated information constitutes a deceptive practice. Inaccurate or incomplete information could materially misrepresent my identity and result in adverse decisions regarding my financial and banking relationships. 
Be advised that failure to promptly add this address and confirm such update in writing will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for regulatory enforcement. 
I expect written confirmation of this change within 15 calendar days of receipt of this notice.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
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 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 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 I looked at my Experian, TransUnion and Equifax credit reports on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
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 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 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 I looked at my Experian, TransUnion and Equifax credit reports on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe 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 explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
My chime account is is this person use and hacked XX/XX/year>XXXX  is my last day After this complete Hacked I need a file open as fraud to investigation or report to higher commission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I disputed an online purchase from XXXX on XX/XX/year> because the product received was expired. This was verified by the manufacturer via email. On XX/XX/year> I received an update email from Cash app stating they were going to contact the merchant canadapetcare.com and expect an update within XXXX to XXXX business days. An hour later I received another email from Cash app stating the dispute was found in my favor but yet I was only refunded {$.00} not the entire amount of the transaction. I contacted Cash app in regards to the {$.00} refunded and was informed it was their international fee and they were still waiting for the merchant to respond. And they assured me my dispute was still being investigated. Cash apps policy states that if the investigation for a disputed transaction is going to take longer than 10 days, a provisional or temporary credit will be awarded until the investigation is completed. I never received the temporary provisional credit nor have I received an update from Cash app in regard to the ongoing investigation. Every time I reach out to them I am told no new information is available and the back office team will contact me and I need to wait the 45 days for the investigation to be complete.

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: CT

Complaint narrative:
Address C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Balance {$730.00} Date Updated XX/XX/XXXX High Balance {$730.00} Original Creditor CREDIT XXXX BANK XXXX A Past Due {$730.00} Pay Status >Collection< This account was fraudulently opened in my name never knew it existed never knew it was there I havent had a credit card since XXXX. I tried to dispute because I havent had access to any of my credit checking accounts for almost 3 years

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: EQUIFAX, INC.
State: MT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

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: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal XXXX claims multiple unknown amounts of debt are due

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I clearly explained that in my previous disputes and also communicated it during a phone call with a representatives. However, each time, I have received a generic response stating that the item has been " verified '' with no updates or corrections made. This response is unacceptable, as the information being verified is factually wrong. 

Specifically : - The * * county * * listed is incorrect. 
- The * * court name * * is incorrect. 
- The * * judge 's name * * and * * contact phone number * * are also inaccurate. 

Regarding a bankruptcy.

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 is missing that should be on the report
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
RE : Request for Addition of Address to Consumer File Notice of Rights under the FCRA and FDCPA To Whom It May Concern : This letter serves as my formal request that you immediately add the following additional address and personal information to my consumer file maintained by ChexSystems : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX PH : XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to full and accurate disclosure of all personal identifying information contained in my consumer file. This includes the right to have accurate, complete, and up-to-date address information recorded in my file. 
Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any reporting of incomplete or outdated information constitutes a deceptive practice. Inaccurate or incomplete information could materially misrepresent my identity and result in adverse decisions regarding my financial and banking relationships. 
Be advised that failure to promptly add this address and confirm such update in writing will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for regulatory enforcement. 
I expect written confirmation of this change within 15 calendar days of receipt of this notice.

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: GA

Complaint narrative:
I am filing this identity theft dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S. Code 1681c-2, also known as Section 605B. My FTC Identity Theft Report reference number is XXXX. I am a victim of identity theft, and several credit accounts have been fraudulently opened in my name without my knowledge or authorization. These include accounts from XXXX XXXX XXXX ending in XXXX with a balance of {$1000.00}, XXXX XXXX XXXX ending in XXXX with a balance of {$1000.00}, XXXX XXXX XXXX XXXX  ending in XXXX with a balance of {$1200.00}, and XXXX XXXX ending in XXXX with a balance of {$1400.00}. I did not apply for or authorize any of these accounts, and I believe they were opened using my stolen identity. I believe my personal data may have been exposed during the Equifax data breach, which increases the likelihood that the fraudulent accounts in question were opened without my authorization. This further supports my identity theft claim under FCRA 1681c-2 and warrants permanent deletion of the affected tradelines. I have previously disputed these accounts with the credit bureaus, yet they remain on my report or continue to be verified without valid supporting documentation. Under FCRA 1681c-2 ( c ), the credit reporting agencies are legally required to block and remove any fraudulent information within four business days of receiving a valid government-issued ID, proof of address, an identity theft report, and a written statement identifying the fraudulent accounts. I am providing all required documents with this submission. I request the immediate and permanent removal of all fraudulent accounts identified in this dispute. This request is made in good faith and supported by federal law. Failure to comply may constitute willful noncompliance under FCRA 1681n and 1681o, and I reserve all rights to pursue legal remedies if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
It has come to my attention that the XXXX JEFFERSON CAPITAL SYSTEMS , LLC has acquired the account due to material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and XXXX XXXX  The Original Creditor failed to legally obtain consent to sell, transfer, or disclose any account information with your company or any other non-affiliated third party as mandated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information constitutes an unfair method of competition and unfair & deceptive acts of FRAUD. When fraud leads to the formation of a contract, the contract becomes unenforceable, and the defrauded party may void it upon discovery of the fraud. Thus, it is hereby notified that upon discovering FRAUD associated with the contract between the consumer and the original creditor, the contract is now VOID. Consequently, ANY and ALL consent to possess, use, and share private information obtained by, through, or from the contracted original creditor is hereby REVOKED, TERMINATED, CANCELED, and RESCINDED pursuant to XXXX XXXX & XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation