vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX RE : Request for Investigation under Section 609 of the FCRA To Whom It May Concern, I am writing to formally request, under Section 609 of the Fair Credit Reporting Act, full disclosure and verification of the following account ( s ) that appear on my credit report. I request that you provide me with a copy of any signed contracts or legal documents bearing my signature that you used to verify the following account ( s ) : 1. Creditor : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Status : Paid, Closed Reason : Related to identity theft I did not authorize or open this account. 


2. Creditor : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Status : Account charged off. {$140.00} written off. {$120.00} past due as of XX/XX/XXXX. 


Reason : Related to identity theft I did not authorize or open this account. 

3. Creditor : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Status : Paid, Closed Reason : Related to identity theft I did not authorize or open this account 4. Creditor : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Status : open Reason : Related to identity theft I did not authorize or open this account If you are unable to verify this information with valid documentation, I respectfully request that the inaccurate items be * * removed * * from my credit report. 

I have included the following documents for identity verification : - A copy of my government-issued ID - A recent utility bill for address verification - A copy of my Social Security card Please respond to this request within 30 days as required by federal law. 

This account is a result of identity theft, and I have never opened nor authorized any account with XXXX XXXX. I disputed this information with the credit bureaus and the furnisher ( XXXX XXXX ), and while the credit bureaus updated the record with a note of my dispute, the account still remains on my report as charged off, Paid, Closed and open. 

I notified XXXX XXXX, requesting deletion of the fraudulent tradeline under FCRA Section 605B. INACCURATE FULL NAME AND ADDRESS Remove the fraudulent account from all credit reporting agencies. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - Copy of ID - Copy of utility bill - Copy of SSN verification

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 2025-06-28 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : APPLE CARD/GS BANK USA Date Opened : XX/XX/XXXX Balance : {$11000.00} Status : Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 

These accounts are not mine, and I have not given anyone permission to open or use them on my behalf. 

Dispute Exceeded Legal Time Limit : This account has been marked Under Dispute for more than 30 days, which exceeds the timeframe allowed under FCRA XXXX ( XXXX U.S.C. XXXX ). Because the account has not been verified or resolved within the required timeframe, the XXXX XXXX XXXX is legally required to remove it from my credit report immediately. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies immediately block and delete this fraudulent item.

Under FCRA 611, I am also requesting debt verification. This means the credit bureaus and furnishers must provide documented proof ( e.g., a signed contract or application ) that I authorized the account. If they can not verify the debt with valid documentation, this account must be permanently removed from my credit file.

Compensation for False Verification : If any account is falsely verified as accurate despite my identity theft claim, FCRA 616 ( 15 U.S.C. 1681n ) entitles me to statutory damages of {$1000.00} per violation. 

Supporting Documentation : I have included the following documents : A copy of my identity theft report ( e.g., police report or FTC Identity Theft Affidavit ) A copy of my government-issued ID Proof of my current address ( e.g., utility bill or bank statement ) Requested Actions : Immediate blocking and deletion of the fraudulent account Debt verification for the disputed account Written confirmation that the item has been deleted Proof that the furnisher has been notified to stop reporting unverifiable information A corrected copy of my credit report reflecting these changes Please confirm in writing that my request has been processed in full compliance with the FCRA. Failure to comply may result in legal action or further complaints submitted to the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed 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 2025-06-28 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: KY

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 2025-06-28 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Information To Whom It XXXX Concern, I am writing to formally dispute the accuracy and completeness of several accounts currently appearing on my Experian credit report, as provided on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and correction or removal of the following items : XXXX. * * XXXX XXXX XXXX XXXX XXXX XXXX ) * * - The account is listed as charged off with a remaining balance of {$16000.00} and a last payment date of XX/XX/XXXX. However, it is still being reported as currently past due in XX/XX/XXXX. This is misleading and potentially inaccurate, as charged-off accounts should not reflect an active delinquent status years after being written off. Please verify the reporting accuracy, remove any past due notations if no current activity exists, and confirm whether the account has been sold or reassigned. 
XXXX. * * XXXX XXXX ( XXXX Account ) * * - This account originated in XX/XX/XXXX and is being reported with a {$500.00} past due balance as of XX/XX/XXXX. If the original date of first delinquency exceeds XXXX years, the account should no longer appear on my report. Please verify the date of first delinquency and remove this account if it falls outside of the FCRAs 7-year reporting limit. 
XXXX. * * XXXX XXXX XXXX XXXX ( Closed Lease Account ) * * - This account was charged off in XXXX with a balance of {$2700.00} still being reported as past due as of XX/XX/XXXX. As the account was closed years ago and marked as a charge-off, it should not reflect ongoing delinquency. Please correct or remove the account if it is inaccurately re-aged or presented as an active collection. 

Under the FCRA, I request that you complete a reinvestigation of the above accounts and provide me with written verification of the results, including the name of the party who verified the account ( s ). If the information can not be verified, please remove it from my credit report. 
Attached are a copy of my government-issued photo ID, and proof of address. 
Please respond within the XXXX time frame required by federal law. I appreciate your prompt attention to this matter and look forward to receiving an updated copy of my credit report once the reinvestigation is complete.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA
State: AL

Complaint narrative:
Ive have several notifications on my account been passed due. If it wasnt for XXXX  notifications .My account would still be unpaid.As soon my account was flagged I started receiving phone calls, and emails after the fact. 90/120 days flagged on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
Acct charged off XX/XX/2023. Late payments reported multiple times after C/O including as recent as this year. These are inaccurate and must be removed. Lenders can not report late payments or new derogatory information on a charged off account. If not corrected the tradeline must be deleted entirely per FCRA 623 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the listed accounts provided, has violated my rights. 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 an 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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I filled a dispute with XXXX XXXX in regards to the company XXXX XXXX XXXX XXXX  for debt that is not mine. After I received results both accounts balances which equals to {$16000.00}, I was approved for my disputes on XX/XX/XXXX and these accounts were supposed to be removed TransUnion as these accounts are a violation of my consumer rights for using predatory practices to try and obtain funds from me. This company did not respond to my phone calls back in XXXX of XXXX in relation to the letter that was sent to my residence. TransUnion does not want comply with consumer credit laws as my results was approved through XXXX XXXX website. I have visible proof and documentation of what I am stating is true. Also these accounts were removed from XXXX  and XXXX  due to these accounts not being mine.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to formally report an issue regarding the blocking of my access to my Equifax credit report. I have been unable to access my credit report through Equifax for years now and I believe this action is in violation of consumer rights under the Fair Credit Reporting Act ( FCRA ).

The specific issue is as follows : despite repeated attempts to access my credit report, I have been denied access without adequate explanation or resolution. This has negatively impacted my ability to monitor my credit, which is crucial for making informed financial decisions and ensuring the accuracy of the information reported.

Under 15 U.S.C. 1681i, consumers have the right to dispute inaccuracies and obtain free access to their credit reports. Additionally, the Equal Credit Opportunity Act ( ECOA ) ensures consumers have access to their credit information to support their financial rights. Blocking access to my credit report directly contravenes these protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
I do not understand how the credit reporting for XXXX XXXX XXXX ( Item # XXXXXXXX XXXX XXXX XXXX XXXX ) was verified as correct when I have already provided clear evidence of inaccuracies. I also spoke directly with the furnisher, who confirmed there were several errors that would be corrected promptly. 
Notably, this item was deleted from XXXX  due to the same inaccurate reporting that exists across all bureaus, yet it remains reported on my file. Stating this account is accurate contradicts both the evidence provided and the furnishers own admission of errors. 
I am formally requesting the business contact information of everyone involved in this reinvestigation or review. Please note that it is illegal to report inaccurate or false information, and this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Therefore, I demand that you delete the above-referenced account immediately, as this false information has hindered me from building credit for years due to repeated, imprecise reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: OH

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 2025-06-28 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:
Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. 
The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX OPEN DATE XX/XX/XXXX {$550.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX {$610.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX XXXX XXXX OPEN DATE XX/XX/XXXX {$300.00} XXXX XXXX OPEN DATE XX/XX/XXXX {$250.00} XXXXXXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX {$500.00} I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent 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 2025-06-28 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:
Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. 
The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX OPEN DATE XX/XX/XXXX {$550.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX {$610.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX XXXX XXXX OPEN DATE XX/XX/XXXX {$300.00} XXXX XXXX OPEN DATE XX/XX/XXXX {$250.00} XXXXXXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX {$500.00} I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the listed accounts below, has violated my rights. 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 an 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