vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I am writing to formally request the blocking of fraudulent information appearing on my Experian credit report pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

I am a victim of identity theft, and the following item ( s ) on my credit report are a result of fraudulent activity and not authorized by me : [ Insert the name of the creditor and account numbers or partial numbers of the fraudulent accounts ] In accordance with the FCRA Section 605B, I am requesting that Experian block this information from appearing in my credit report within the required four business days. 

Attached are the following documents as required : A copy of a valid government-issued photo ID A copy of a utility bill, bank statement, or other proof of address A copy of the Identity Theft Report Filed with FTC A written statement describing the fraudulent information and affirming that I did not authorize the activity in question Please confirm receipt of this request and notify me in writing when the block has been applied. If you choose not to block the fraudulent items, you are required by law to provide me with a written explanation of your decision within five business days. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I am writing to formally request the blocking of fraudulent information appearing on my Experian credit report pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

I am a victim of identity theft, and the following item ( s ) on my credit report are a result of fraudulent activity and not authorized by me : [ Insert the name of the creditor and account numbers or partial numbers of the fraudulent accounts ] In accordance with the FCRA Section 605B, I am requesting that Experian block this information from appearing in my credit report within the required four business days. 

Attached are the following documents as required : A copy of a valid government-issued photo ID A copy of a utility bill, bank statement, or other proof of address A copy of the Identity Theft Report Filed with FTC A written statement describing the fraudulent information and affirming that I did not authorize the activity in question Please confirm receipt of this request and notify me in writing when the block has been applied. If you choose not to block the fraudulent items, you are required by law to provide me with a written explanation of your decision within five business days. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IN

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Please delete and block the following accounts from my credit report Accounts XX/XX/XXXX - Account Number : XXXXXX/XX/XXXX Date Opened : XXXX, Balance : {$11000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXXXX/XX/XXXX, Date Opened : XXXX, Balance : {$0.00}

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 2025-06-02 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: CA

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/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 2025-06-02 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: MD

Complaint narrative:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

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 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal request under the Fair Credit Reporting Act ( FCRA ) to investigate and remove the following unauthorized or inaccurate credit inquiries from my credit file. According to my records and direct contact with each of the listed companies, they have confirmed that they have no records of initiating these inquiries, and therefore they have no permissible purpose for accessing my credit report. I kindly request that these inquiries be removed within 5 business days of receipt of this letter. 

Here are the specific inquiries in question : XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX As a consumer, I have the right under the FCRA to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. Since these companies have confirmed they have no records or permissible purpose for these inquiries, I respectfully request that you delete them from my credit report immediately. 

Please provide a written response confirming the deletion of these inquiries, as well as an updated copy of my credit report reflecting these changes. 

Thank you for your attention to this matter. I look forward to your prompt response within 5 business days, as required by 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IN

Complaint narrative:
Requested this information The original creditor 's name and contact information. 

A complete payment history, including dates and amounts. 

A copy of the signed contract or agreement bearing my wet signature. 

Documentation that proves you have verified this account with the original creditor, as required under 15 U.S. Code 1681i.

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Recovery Solutions Group, LLC
State: VA

Complaint narrative:
Received a letter from : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX Dated XX/XX/year> Creditor : XXXX XXXX XXXX I pay XXXX monthly for my storage. They came up with an additional dollar amount that they say I owe. I have told them that when I am ready to get my possessions out of storage I will pay this mystery fee. I am awaiting a settlement, once received I will schedule delivery of my belongings. They then sent this balance to a collection agency, which I told the same story. I am on Social Security and can not pay more than I currently am. Now we have a new collection agency which I phoned on XX/XX/XXXX and left a message for XXXX XXXX. She in turn had XXXX XXXX call me. I then received another letter dated XX/XX/year> stating that since I have chosen to neglect and ignore my obligations we must assume this debt will not be paid voluntarily, given your lack of cooperation with us thus far. As a result, we must alert the creditor immediately to ensure that their interests are protected. In bold letters ; What transpires next is entirely in your control. This is harassment. I have repeatedly explained my situation to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: VA

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 2025-06-02 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 as proof from the US 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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: FL

Complaint narrative:
On XX/XX/XXXX an unknown party contacted XXXX XXXX, changed my address to theirs, and ordered a new card. They used the card on XX/XX/XXXX and XX/XX/XXXX to withdrawal over {$2200.00}. I filled police reports and contacted XXXX XXXX on XX/XX/XXXX. They denied the claim saying this looked legitimate. There is no appeals process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
Coinbase was breached and my data was sold to hackers, hackers used my email that was attained by Coinbase hack and stole my XXXX. Coinbase will not acknowledge that my information was breached and will not return funds. I have never had any issues with any online investment or XXXX exchanges prior to Coinbase. I want my XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-06-02 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: AZ

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2600.00}

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