vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am submitting this complaint to follow up on my previous dispute regarding the inaccurate reporting of charge-off accounts and unauthorized inquiries, which was submitted on [ Date of First Submission ]. Despite my prior submission and the legal requirements for reinvestigation, I have not received the proper resolution, and the discrepancies remain unaddressed. 
I have discovered multiple charge-off accounts and inquiries that are inaccurately reported, improperly documented, or should reflect cancelled debt. The accounts in question include those from : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts collectively show balances totaling tens of thousands of dollars. Additionally, there are unauthorized inquiries listed from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies have caused significant financial hardship and emotional distress. Under FCRA Section 1681i ( a ) ( 1 ) ( A ), I am entitled to a reasonable reinvestigation of disputed information. I formally request that each account and inquiry be thoroughly verified with the original creditors. If verification can not be provided, these items should be removed immediately.Additionally, several of these accounts appear to be discharged debts that should be reported in accordance with IRS Form 1099-C. Under FCRA Section 1681c-2 ( a ), any information related to cancelled or discharged debt must be accurately documented or removed. The creditors associated with these accounts and inquiries must promptly provide verified evidence, or these entries must be deleted in compliance with FCRA Section 1681s-2 ( b ) .I urge you to expedite the investigation and resolve these inaccuracies. If any of the disputed accounts or inquiries can not be verified, they must be deleted immediately. I have included supporting documents, including statements and 1099-C forms, to assist in this review. The failure to maintain accurate consumer information under FCRA Section 1681e ( b ) is a violation of my rights and has already caused significant disruption to my financial stability.

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 2025-11-07 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: NY

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
they are unauthorized hard inquieries from National credit adju.I did not for that company, I'm texted and called XXXX, XXXX, XXXX  to file dispute, but they ignore my complaint and the hard inquiry remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 seven 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 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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 seven 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am a verified Cash App user ( XXXX XXXX ) with a balance of {$51.00}. Despite completing all required verification procedures and multiple attempts to resolve the issue with Cash App support, I have been denied access to my account and my funds. 

I have requested full access to my account, my account balance, transaction history, and any records required to verify ownership, but Cash App has failed to provide this information. Their refusal appears to constitute a violation of 12U.S.C. 5533 ( Dodd-Frank Act 1033 ), which guarantees consumers the right to access their funds and account records. 

Cash Apps continued inaction not only blocks my legal rights under federal law but also causes financial harm and undue stress. I request immediate restoration of account access, confirmation of my balance, and written acknowledgment that Cash App is complying with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-11-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$28000.00} Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$18000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$120000.00} Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$82000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
I am officially filing my last written correspondence here before consulting legal action against LVNV funding. I hve told them several times that I hve never had any credit cards with XXXX XXXX XXXX or XXXX XXXX  as I am in the XXXX  do not live in XXXX XXXX. I have alerted them and the credit bureaus that these accounts they have on my report were NOT MINE. I never authorized any service NONE of their banking offers. I am an XXXX XXXX military member and have spoken with my legal rep about this matter as I come back from XXXX and see my credit score dropped by XXXX points and this company seems to think that having fraudulent information in their system is okay. They are fully aware these are not my account and yet continue to diminish my credit for a fraudulent debt. 
I will be suing for multiple times the amount should this not be removed from my credit report upon receipt of this final communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year> at XXXX, someone got into my Chime account and XXXX  themself {$1300.00}. I disputed the case with evidence I did not send anyone any money through XXXX  and I provided evidence that I was at work. I also noticed two devices were in my Chime account, both of which I did not authorize. I disputed this matter within 5 hours. Chime denied my dispute and gave me reasons. I am currently trying to rebuttal it. They claimed I received a call when I did not receive any calls to approve this. I have proof that I called Chime to report fraud, but they did not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am submitting this complaint to follow up on my previous dispute regarding the inaccurate reporting of charge-off accounts and unauthorized inquiries, which was submitted on [ Date of First Submission ]. Despite my prior submission and the legal requirements for reinvestigation, I have not received the proper resolution, and the discrepancies remain unaddressed. 
I have discovered multiple charge-off accounts and inquiries that are inaccurately reported, improperly documented, or should reflect cancelled debt. The accounts in question include those from : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts collectively show balances totaling tens of thousands of dollars. Additionally, there are unauthorized inquiries listed from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies have caused significant financial hardship and emotional distress. Under FCRA Section 1681i ( a ) ( 1 ) ( A ), I am entitled to a reasonable reinvestigation of disputed information. I formally request that each account and inquiry be thoroughly verified with the original creditors. If verification can not be provided, these items should be removed immediately.Additionally, several of these accounts appear to be discharged debts that should be reported in accordance with IRS Form 1099-C. Under FCRA Section 1681c-2 ( a ), any information related to cancelled or discharged debt must be accurately documented or removed. The creditors associated with these accounts and inquiries must promptly provide verified evidence, or these entries must be deleted in compliance with FCRA Section 1681s-2 ( b ) .I urge you to expedite the investigation and resolve these inaccuracies. If any of the disputed accounts or inquiries can not be verified, they must be deleted immediately. I have included supporting documents, including statements and 1099-C forms, to assist in this review. The failure to maintain accurate consumer information under FCRA Section 1681e ( b ) is a violation of my rights and has already caused significant disruption to my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am officially filing my last written correspondence here before consulting legal action against midland credit management. I hve told them several times that I hve never had any credit cards with XXXX XXXX XXXX or XXXXXXXX XXXX as I am in the XXXX  do not live in XXXX XXXX. I have alerted them and the credit bureaus that these accounts they have on my report were NOT MINE. I never authorized any service NONE of their banking offers. I am an XXXX XXXX military member and have spoken with my legal rep about this matter as I come back from XXXX and see my credit score dropped by XXXX points and this company seems to think that having fraudulent information in their system is okay. They are fully aware these are not my account and yet continue to diminish my credit for a fraudulent debt. 
I will be suing for multiple times the amount should this not be removed from my credit report upon receipt of this final communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple inaccurate and unverified accounts are being reported on my credit profile, and I have formally disputed them with the credit bureaus. These accounts are not mine and the credit bureaus have continued to publish and furnish these items without providing me with any proof, validation, or original signed contracts. 

I have already sent dispute letters directly to the bureaus and requested investigation, but they continue to report these items despite my notices. These unverifiable items are harming me financially and causing damage to my credit standing. The information being furnished is not backed by any documentation showing I authorized or opened these accounts. I am attaching supporting evidence to show that these items remain unverified, inaccurate, and not connected to me. 

Im filing this CFPB complaint because the bureaus have not corrected the issues after being notified, and these accounts should have been removed since they can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple inaccurate and unverified accounts are being reported on my credit profile, and I have formally disputed them with the credit bureaus. These accounts are not mine and the credit bureaus have continued to publish and furnish these items without providing me with any proof, validation, or original signed contracts. 

I have already sent dispute letters directly to the bureaus and requested investigation, but they continue to report these items despite my notices. These unverifiable items are harming me financially and causing damage to my credit standing. The information being furnished is not backed by any documentation showing I authorized or opened these accounts. I am attaching supporting evidence to show that these items remain unverified, inaccurate, and not connected to me. 

Im filing this CFPB complaint because the bureaus have not corrected the issues after being notified, and these accounts should have been removed since they can not be validated.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending to formally dispute inaccurate payment information being reported on my student loan accounts serviced through the Department of EducationXXXX . I take great pride in maintaining my financial commitments and wish to ensure that my credit report accurately reflects my payment history. I am requesting a full reinvestigation and correction in accordance with my rights under federal law. 
DEPT OF EDUCATIONXXXX XXXX BALANCE : {$3000.00} LATE 90 DAYS, LATE 120 DAYS, AND LATE 150 DAYS DEPT OF EDUCATIONXXXX XXXX BALANCE : {$1500.00} LATE 90 DAYS, LATE 120 DAYS, AND LATE 150 DAYS DEPT OF EDUCATIONXXXX XXXX BALANCE : {$940.00} LATE 90 DAYS, LATE 120 DAYS, AND LATE 150 DAYS

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am officially filing my last written correspondence here before consulting legal action against CAPITAL ONE. I hve told them several times that I hve never had any credit cards with XXXX XXXX XXXX or XXXXXXXX XXXX as I am in the XXXX  do not live in XXXX XXXX. I have alerted them and the credit bureaus that these accounts they have on my report were NOT MINE. I never authorized any service NONE of their banking offers. I am an XXXX XXXX XXXX  member and have spoken with my legal rep about this matter as I come back from XXXX and see my credit score dropped by XXXX points and this company seems to think that having fraudulent information in their system is okay. They are fully aware these are not my account and yet continue to diminish my credit for a fraudulent debt. 
IT IS NOT EVEN UNDER MY SOCIAL and yet they continue to put this on my credit report. REMOVE IMMEDIATELY

Company response to consumer: Closed with non-monetary relief