vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed an account that is inaccurately being reported by XXXX. I requested proper verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Truth in Lending Act ( 15 U.S.C. 16011602 ). XXXX responded with a generic letter that does not include a signed agreement, application, or supporting documentation. This does not constitute legal verification and violates my consumer rights. The attached response from the furnisher does not provide sufficient verification under 15 USC 1681. No signed contract or application has been provided. nor any supporting documentation that validates this debt under applicable law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed an account that is inaccurately being reported by XXXX. I requested proper verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Truth in Lending Act ( 15 U.S.C. 16011602 ). XXXX responded with a generic letter that does not include a signed agreement, application, or supporting documentation. This does not constitute legal verification and violates my consumer rights. The attached response from the furnisher does not provide sufficient verification under 15 USC 1681. No signed contract or application has been provided. nor any supporting documentation that validates this debt under applicable law.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am requesting immediate correction of inaccurate information being reported on the above-referenced account that violates the Fair Credit Reporting Act. 

ACCOUNT STATUS ISSUE : Your credit reporting shows " Account closed at consumer 's request and dispute investigation completed, consumer disagrees. '' This notation clearly indicates : Account was closed at MY request ( not adverse action ) A formal dispute investigation was completed Investigation results favored consumer position FCRA COMPLIANCE ISSUE : Per FCRA Section 623 ( b ), when a dispute investigation is completed and determines information is inaccurate or incomplete, you must correct the reporting within 30 days. Your own notation acknowledges the investigation was completed with consumer disagreement, yet negative information remains.

BUSINESS IMPACT : I am launching XXXX XXXX XXXX a sustainable XXXX business, in the next 42 days. This inaccurate reporting is preventing access to necessary business credit lines for inventory and equipment purchases totaling approximately {$8500.00}. 

SPECIFIC CORRECTIONS REQUESTED : 1. Remove all negative payment history ( account was closed at my request ) 2. Update status to " Closed at consumer request '' 3. Remove any late payment notations ( dispute was resolved in my favor ) 4. Submit corrections to all three credit bureaus within 15 days DOCUMENTATION REQUEST : Please provide : Copy of original dispute investigation results Written confirmation of corrections made Timeline for credit bureau updates LEGAL NOTICE : Failure to correct inaccurate information after acknowledgment of completed dispute investigation may constitute willful non-compliance with FCRA Section 623, subject to statutory damages up to {$1000.00} plus attorney fees. 

I trust Wells Fargo will resolve this matter promptly and in compliance with federal law. 

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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally dispute this XXXX XXXXXXXX XXXX account # XXXX I have never provided my signature or consent for this matter. 

I have reviewed the documentation associated with this item and found that there is no valid signature or authorization from me. I never applied for, agreed to, or signed any documents related to this account/service. This appears to be either a case of mistaken identity, clerical error, or potentially fraudulent activity. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a full investigation into this matter. I also request that all records related to this account be reviewed for any signature or proof of authorization bearing my name which you will not find.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally dispute this. XX/XX/XXXX Account # XXXX I have never provided my signature or consent for this matter. 

I have reviewed the documentation associated with this item and found that there is no valid signature or authorization from me. I never applied for, agreed to, or signed any documents related to this account/service. This appears to be either a case of mistaken identity, clerical error, or potentially fraudulent activity. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a full investigation into this matter. I also request that all records related to this account be reviewed for any signature or proof of authorization bearing my name which you will not find.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was exposed to the XXXX Data Breach, and my identity was compromised. I do not recognize these accounts listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hey My Name is XXXX XXXX, and i am formally disputing The incccurate information Listed On My Credit Report. In Accordance With 15 U.S.C $ 1681b And 15 U.S.C. $ 1681c, i Did not Authorize the reporting or realese of my Personal Information to the companies listed below.

This is a Violation of my Consumer Rights to privacy, as they have no legal basis to report anything Under my name. Furthermore, There are Unauthorized inquiries on my credit Report that I did not initiate, Which Constitutes a case of Identity theft. Pursuant To 18 U.S.C. {$8.00}, I do Not owe any debt to these entities, and i demand the immediate deletion of the item and Inquiries in Question to correct my Credit Report. 




Please Address this matter promptly and confirm the removal of the disputed entries.

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 2025-06-29 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: AL

Complaint narrative:
On XX/XX/year>, {$290.00} was withdrawn from my Cash App account without my knowledge or authorization. My phone had been stolen confirmed by official documentation from XXXX XXXX XXXX ( suspension notice dated XX/XX/year> ) and a replacement device claim filed with XXXX ( Claim ID #. ). 
I reported the fraud to Cash App on XX/XX/year>. I submitted all required responses and documentation. Despite this, Cash App repeatedly denied my dispute and closed my case multiple times under case #. 
I was first told the funds were deposited to a XXXX XXXX XXXX XXXX  ending in XXXX. However, when I requested supporting documentation, I received a PDF stating that the transaction was instead a peer-to-peer payment to a Cash App user named " XXXX '' and that the payment status was Expired Waiting on Sender. 
These are XXXX fundamentally different types of transactions a direct bank transfer vs. a peer payment and they can not both describe the same {$290.00} transaction. This contradiction undermines Cash Apps explanation and demonstrates that the dispute was not properly investigated. 
I never authorized this transaction, never received the funds, do not know the recipient, and was locked out of the compromised account ( ) which was later closed without my knowledge. 
I am requesting : A full investigation of the fraud Clarification of the transaction inconsistency A refund of the unauthorized withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking -Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from company information Transunion. Please delete the following accounts : XXXX XXXX XXXX Account XXXX {$6600.00}. XXXX XXXX Bank XXXX {$730.00}. XXXX XXXX XXXX  XXXX {$1000.00}. XXXX XXXX XXXX {$110.00}.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : American Express reported a late payment on a closed account and failed to correct it despite acknowledging the error I closed and paid off my American Express account in full in XX/XX/XXXX. Several months later, in XX/XX/XXXX, I discovered that American Express had allowed a charge to post to the closed account. 

Notably, the charge was submitted by the merchant with a transaction date of XX/XX/XXXX a full month before the account was closed. However, the charge did not appear or post until XX/XX/XXXX, nearly XXXX months after the alleged transaction date and after the account had been closed. This raises questions about the legitimacy and timing of the charge, as it is highly unusual for a valid transaction to be delayed and posted with a backdated timestamp. 

I was never sent a statement or notification of the charge, and the account remained marked as closed on my online dashboard. As a result, I was unaware that a balance had posted or that it had gone unpaid. 

I found out about the issue because I received an alert from Experian of a derogatory mark on my credit report. 

When I contacted American Express by phone on XX/XX/XXXX, a representative reviewed the issue and acknowledged that the late payment was not my fault, and they assured me that the negative reporting would be corrected. Despite this assurance, they failed to make the correction. The agent agreed to reverse the late charges, but said because I had previous transaction with this merchant I had to pay. It was only {$30.00} so I paid it to resolve the issue. 

I then filed disputes with the credit bureau, but American Express re-verified the inaccurate late payment, and the dispute was denied. The also incorrect re-reported it as closed in XX/XX/XXXX when I have proof this account was closed in XXXX. 

I have no ability to communicate with American Express in writing or via email. All interactions are conducted by phone, making it difficult to maintain documentation or escalate the issue properly. 


This unresolved derogatory mark on my credit report is the direct result of a transaction being posted to a closed account, with no notice to me, and a failure by American Express to honor their commitment to correct the error. 


I respectfully request that the CFPB investigate this issue, as it is causing ongoing and unnecessary damage to my credit standing.

Company response to consumer: Closed with monetary relief