vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: WA

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 non-monetary relief
Consumer complaint received 2025-06-24 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:
I am contacting you to dispute a hard inquiry that appears on my credit report without my authorization or prior knowledge. This inquiry has negatively affected my credit score, and I have reason to believe it was made without a permissible purpose as defined under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am writing to bring to your attention a potentially inaccurate or unauthorized hard inquiry on my credit report. After reviewing my recent credit activity, I can confirm with certainty that I did not apply for credit or authorize any entity to conduct a hard pull on my file. This type of unauthorized access may constitute a violation of my rights under 15 U.S.C. 1681b and other relevant provisions of the Fair Credit Reporting Act. The inquiry in question is both misleading and damaging to my credit standing, and I am requesting its immediate deletion pending verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: DISCOVER BANK
State: FL

Complaint narrative:
I disputed a charge with Discover credit card for a purchase I had made. The purchase was for only {$19.00} for {$6.00} the part and {$13.00} dollars for shipping. When the part arrived it was wrong part and broken. I immediately contacted the merchant but the merchant wanted me to pay for shipping again to send part back and I refused. I disputed charge with Discover but they refused to honor my claim according to rep XXXX a supervisor on XX/XX/year> at XXXX stating that I should have known about the merchant 's return policy and that the merchant had provided documentation stating that a fee must be paid to return the item. I requested such documentation from Discover but Discover refused to provide the documents. I only came to find out about the results of the dispute by going online at their website, Discover did not send me details of the closed dispute. If I had not gone to check online I would have never known outcome of dispute. Discover is not following proper procedures on disputes and not disclosing information to the cardholders and violating our rights as a cardholder. So far I have not received any documentation on how Discover arrived to their conclusion to close my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, RE : Demand for Deletion of Inaccurate and Outdated Personal Information This letter is to formally request the correction and deletion of outdated and inaccurate personal identifying information in my consumer file. Ive noticed that your agency is reporting information that is no longer valid or was never accurate to begin withsuch as old addresses, phone numbers, employment history, and name variations. 


Ive confirmed with all of my current creditors and service providers that they now reflect my correct name and address. There is no longer any valid reason for this outdated data to remain in your records. 


I am requesting the permanent removal of the following from your files and systems : - Any old or incorrect addresses - Any name variation that isnt my legal name - Any outdated or unverified phone numbers- Any and all employment history Only the following should be on record : - Full Legal Name : XXXX XXXX XXXX - Current Address : XXXX XXXX XXXX, XXXX, GA XXXX - Phone Number : Do not report - Employment : Do not report As you are a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) to ensure that the information you maintain is accurate, complete, and up-to-date. This request falls under FCRA sections 602, 607, 609, and 610.

Please process this request within the 30-day timeframe as required by federal law. I am including a copy of my government-issued ID and a recent utility bill to verify my identity and current address.

Once completed, I expect written confirmation that these corrections have been made. If your agency shares data with other reporting entities, please notify them as well or let me know how I may contact them directly. 


Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), and additional legal action may be taken under FCRA 616 and 617 for willful noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year>

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) 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 2025-06-24 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-24 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year> paid off my balance of {$9700.00} on XX/XX/year> Synchrony charged me finance charge of {$170.00}. On XX/XX/year> I called and paid off that balance less the {$30.00} finance charge. Closed account. On XX/XX/year> I was charge {$2.00} finance charge on a XXXX balance. I called and lodge a complaint and XXXX the supervisor removed the charge. I have no faith that they will not charge me again next month. This company is a scam and should be closed.

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 2025-06-24 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:
This correspondence serves as a formal notification that multiple accounts on my credit report are fraudulent and do not belong to me. I had no involvement in their creation, and I was unaware of their existence until reviewing my credit report.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I continuously have an issue where Wells Fargo will authorize a transaction the money will be taken out of the account. The money is then held but the transaction reappers in pending when the balance goes low enough you charge an overdraft fee almost a week later but they dont redebit it the account. It seems like they are reordering transactions. Yesterday I had XXXX $ in the account and XXXX in savings I transferred XXXX dollars so the amount was at XXXX today they say the account was at XXXX yesterday and savings at also at XXXX yesterday. And now that transaction is in pending again without the XXXX being placed back in the account or at least the correct account. It only happens when the account gets lower and seems to relate to reording and delaying transactions to get an overdraft fee when Ive placed a transfer order when the account goes below XXXX which should result in no overdraft fee.

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 2025-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
This is yet another XXXX  attempt to collect a ghost debt! im sick of these money hungry scammers trying to swindle people out of money! I want these people out of business and prosecuted! im sick and tired of these people and their ridiculous attempts! I do not not owe XXXX any past due money AT ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 dispute a number of credit accounts that have been erroneously included in my credit file. I have never opened or approved these accounts, and I suspect that they were created as a result of fraudulent activity or identity theft.

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 2025-06-24 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:
This is a formal notice regarding the presence of fraudulent and unauthorized accounts on my credit report. I did not open or approve any of these accounts, and their presence constitutes a serious inaccuracy that violates my consumer rights.

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 2025-06-24 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:
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. 



List of Unauthorized Inquiries : XXXX - XXXX XXXX  - XXXX XXXX - XXXX 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 explanation
Consumer complaint received 2025-06-24 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian, I am writing to formally notify you that I have been a victim of identity theft. As a result, unauthorized and fraudulent accounts and credit inquiries have appeared on my credit report, which I did not initiate, authorize, or consent to in any way. 

Fraudulent Collection Account : XXXX XXXX XXXX ( Account # XXXX ) Unauthorized Inquiry : XXXX XXXX XXXX  These are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). As provided in 15 U.S.C. 1681c-2 ( FCRA Section 605B ), any information on a consumer report resulting from identity theft must be blocked and removed upon proper notification and documentation. 

In accordance with the law, I am providing the following supporting documents : A copy of my Identity Theft Police Report. 
A copy of my government-issued photo ID. 
Furthermore, under FDCPA 15 U.S. Code 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representations. A debt collector, such as XXXX XXXX XXXX, attempting to collect a debt resulting from identity theft especially without proper verification is in violation of this law. 

Also, under 15 U.S. Code 1692g, debt collectors are required to validate a debt upon request. Since this account was fraudulently opened and is not mine, it can not be legally validated. Any third-party debt buyer or collector can not legally report or collect on a debt that is inaccurate, unauthorized, or can not be verified.

Additionally, under FCRA 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed item. Given the documentation I am providing, the law requires that you permanently block and remove any information that is the result of identity theft within four ( 4 ) business days of receiving this notice. 

Therefore, I demand the following actions : Immediate removal and permanent blocking of the fraudulent XXXX XXXX XXXX collection account from my credit file. 
Immediate removal of the unauthorized inquiry by XXXX XXXX XXXX. 
A written confirmation and an updated copy of my Experian credit report reflecting the removal of these items. 
Failure to comply within the timeframe outlined may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. 

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 2025-06-24 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
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 of 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 2025-06-24 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:
On Monday XX/XX/XXXX I submitted a dispute with Experian regarding account number XXXX on my credit report. On Monday XX/XX/XXXX the account came back verified. On Monday XX/XX/XXXX i spoke with a representative from Experian and requested the XXXX form which they should have submitted to the creditor on this account. The representative from Experian admitted that they didnt have the XXXX XXXX. if a proper investigation was conducted the XXXX form shouldve been given to me upon my request.

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