vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$670.00} XXXX - Account Number : XXXX XXXX Date Opened : XXXX, Balance : {$320.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$230.00} XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$670.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
I am filing this complaint because Scott & Associates, P.C., acting on behalf of XXXX XXXX, XXXX, is attempting to collect an alleged debt without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and reporting inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have formally disputed this debt and requested validation in writing. Specifically, I requested : A copy of the original agreement bearing my wet-ink signature.

Documentation of the chain of custody and assignment of the debt from the original creditor to XXXX XXXX. 
An itemized statement showing how the alleged balance was calculated. 
Documentation of Scott & Associates legal authority to collect in my state.

Copies of any investigative records, audit trails, or reviews conducted to verify the debt before initiating collection activity.

To date, they have failed to provide the required validation. Instead, collection activity and reporting to credit bureaus continue. This conduct is misleading, deceptive, and in direct violation of my rights under federal law.

Relief Requested : Require Scott & Associates and XXXX XXXX to provide full validation and documentation of the alleged debt or immediately cease collection activity. 
Remove any inaccurate or unverifiable reporting from all consumer credit reporting agencies. 
Investigate whether these companies are engaging in unlawful debt collection practices, including attempting to collect debts without sufficient documentation. 
Supporting Documentation : I have attached my certified dispute letter, dated XX/XX/year>, which was sent to both Scott & Associates and XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: GA

Complaint narrative:
I had a account with cash app and they wrongfully closed my account supposedly for fraudulent activity. When I only used the account for what I suppose to use it for making purchases, sending, receiving money, transfering money. I have had my cash app for along time before they closed my account down never had any issues until now. I did not file many disputes I only filed disputes when necessary I never lie on any disputes I back my disputes up with evidence. I usually go to merchants when I have a issue with something I purchased then to file a dispute. I ask them why my account was closed they would not provide any valid reason. Because they closed my account I'm not able to receive any refunds from merchants that I worked things out with. For XXXX XXXX XXXX tried to send me a refund of {$18.00} back to my account on XX/XX/year> but they sent the money back to merchant because they closed my account. This seems to be an ongoing issue with other cash app users as well. I went to customer service about my issue but they aren't helpful. I filed a CFPB complaint against this bank in the past for a different issue. I feel they retaliated against me for the previous complaint I made because shortly after my cash app account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Card was used for unauthorized transaction totaling XXXX USD. I called Citi while transaction were still pending and notified them that while I had my wallet, my phone was lost/stolen at a convention in XXXX. Theres a phone number in the merchant and when dialed it is just a personal voicemail, and the company XXXX XXXX seems to be a XXXX XXXX of some sort for online gaming as the charge. Citi denied my claim without giving me additional information and stated it was my fault.

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 monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Issue : Citibank ( Wayfair Credit Card ) has refused to provide a reasonable accommodation under the Americans with Disabilities Act.

Details : I have partial hearing loss, and phone communication is not effective for me. I requested that all account communications, including repayment and settlement discussions, be handled in writing ( secure message, email, or postal mail ). 

Despite my request, Citibank has repeatedly insisted that I must speak with their collections department by phone. They suggested using TTY/relay service, but this is not an effective accommodation for my XXXX. I have clearly explained that I need written communication in order to participate in discussions regarding my account. 

What I am requesting : That Citibank honor my XXXX request and allow all future communications regarding my account to be handled in writing, so that I may effectively manage my account and work toward resolution.

Account : Wayfair Credit Card ( issued by Citibank )

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 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
They violate my rights FCRA-623 ( A ) 1A UCC 9-611 UCC 9-613 also want to file a claim against 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 non-monetary relief
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
They violate my rights FCRA-623 ( A ) 1A UCC 9-611 UCC 9-613 also want to file a claim against 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: KY

Complaint narrative:
In XX/XX/year>, I experienced multiple unauthorized transactions and Current failed to handle the dispute properly or provide evidence as required under Regulation E. 

I attempted again on XX/XX/year>, and the payment failed. XXXX provided written confirmation that they never received these funds ( see attached exhibits ). 

During this period, unauthorized Cash App withdrawals were made from my Current account without my authorization. On XX/XX/year>, two separate XXXX XXXX transactions were posted : {$97.00} at XXXXXXXX XXXX and {$31.00} at XXXX XXXX, charged to debit card ending in XXXX. These were not authorized by me and I immediately disputed them. 

I submitted a written request for evidence and supporting documentation to Current on XX/XX/year>, as allowed under Regulation E. Instead of providing evidence, Current denied my dispute on XX/XX/year>, and later denied my appeal as well. The denial letters from Current provided no explanation and no documentation to support their decision, despite my written evidence request. 

XXXX XXXX separately confirmed receipt of my evidence and also denied my claim, but Current as the issuing bank remains responsible under Regulation E to investigate, provide supporting evidence, and resolve the dispute fairly. Currents refusal to provide documentation or a meaningful explanation is a direct violation of Regulation E and has left me without access to my funds.

In addition, Currents own chat representatives instructed me to resubmit evidence after the fact, despite my timely submission of documents. This shows mishandling of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal dispute of an account that has been wrongly reported under my credit file. I did not authorize, open, or use this account, and its inclusion is fraudulent and inaccurate. This error is severely harmful to my credit profile and must be corrected immediately.

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 2025-08-21 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$33000.00} XXXX  - XX/XX/XXXX - {$3300.00} XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XX/XX/XXXX - {$6400.00} XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$880.00} XXXX - XX/XX/XXXX - {$4900.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX XXXX {$1600.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$620.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I requested a vaildation of debt from this company 45 days ago because I do not have a debt with them. They have not responded to me with any information.

Company response to consumer: Closed with explanation