vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NJ

Complaint narrative:
I tried ordering a new card from ( cashapp ) I can not do due to the amount of cards I have said Ill lost or that were stolen so now I can only receive, send and transfer the money somewhere else to use directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect Public Record : My credit report shows an incorrect Public Record of a bankruptcy filing. This record is shown as a personal record, when it is a business filing/record in which I was an authorized filer not debtor. This record should not be shown as a personal record on my personal credit file. 

I did a dispute online on XX/XX/year> and on the same day it came back closed and verified, however I have my signed count documents and XXXX report to prove it not only wasn't investigated but it is reporting on my personal credit when it shouldn't be.

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 2025-05-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-05-01 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: OK

Complaint narrative:
I had a friend help me as a XXXX senior, needed dentist for tooth possible other issues but the tooth broke now hurts like heck especially night try to sleep, XXXX not doing good really hurts neighbor asked if infected said I find out but none of the dentist they suggest were different they listed XXXX mine listed XXXX locally rest in XXXX who do not accept their so card dental cards. I am XXXX and my tooth now headaches hard to even write this letter. It just went from bad to worse, when tried their chat their dentist showed to in XXXX XXXX when I am Oklahoma. XXXX XXXX confirmed again no we will not use secretary at office, so out XXXX dollars which right now use to fix or towards getting dental help and or medication for 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 2025-05-01 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:
Subject : Urgent Action Required - Protest Regarding Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : * * Creditor/Collection Agency Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXotal cost : {$13000.00} * * * * Date of Account : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-01 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: IN

Complaint narrative:
My XXXX credit monitoring service sent me a notification that I had a new credit inquiry under my name from Capitol One credit card. I know I havent applied for anything like that, so I called Capitol One. They confirmed someone applied for a Capitol One card under my name, but they used my maiden name of XXXX, whereas my new married name is XXXX. Capitol One filed a fraudulent report on their end, and that should stop the card from being utilized, but they did advise me to file a report here as well. Additionally, immediately after this happened I decided to buy credit monitoring/fraud protection services through the company XXXX  and have set that up. I am still concerned though because someone out there has to have my social security number, since they were able to apply for that credit card. Im unsure of what else to do to prevent this again? Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have encountered difficulties accessing my [ Experian, Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I am writing to dispute the {$900.00} charge related to my former XXXX account and to provide a clear record of my attempts to resolve this matter. 

In early XX/XX/year>, I contacted XXXX to cancel my account. The representative I spoke with confirmed they would begin the cancellation process. However, I was not sent the necessary paperwork to finalize the cancellation. A few weeks later, when I followed up, I was told the cancellation hadnt gone through because I hadnt signed the paperworkpaperwork I had never received. During that same call, the representative finally sent the documents, which I signed and returned immediately. I was informed that cancellation would take up to 30 days. 

I asked what to do about the upcoming payment, and the XXXX representative advised me to contact my bank to stop the payment. I did so and worked with XXXX XXXX to dispute the charge. XXXX XXXX attempted to contact XXXX but reported that the representative said they couldnt hear them and then hung up. This same issue happened to me twice when I tried to follow up directly with XXXX hung up on me both times without resolving anything. 

XXXX XXXX eventually closed the dispute case in my favor and refunded the charged amount. Ive attached screenshots of the case being opened and closed for reference. 

At some point I spoke with XXXX from XXXX and offered to settle the matter for {$360.00} in good faith, despite the repeated communication failures on XXXX part. I still received no answer from XXXX nor XXXX yet they continue to call and email me about the situation.

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 2025-05-01 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information being reported on my credit file regarding the following account : Creditor : SC XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Line of Credit Date Opened : XX/XX/XXXX Reported Balance : {$13000.00} Status : Collection/Charge-off Credit Limit : Reported inconsistently as {$13000.00}, High Credit : Inconsistently reported as {$15000.00} Past Due : {$13000.00} Last Payment : XX/XX/XXXX Potential Violations Under the Fair Credit Reporting Act ( FCRA ) : Violation of 15 U.S.C. 1681e ( b ) The credit bureaus have a duty to report accurate and complete information. This account is reported with conflicting dates, credit limits, and high balances across bureaus, which violates the requirement for maximum possible accuracy.

Violation of 15 U.S.C. 1681s-2 ( a ) and ( b ) If SC XXXX  XXXX XXXX XXXX XXXX this account as a profit and loss write-off or charged off, yet continues to report an active past due balance monthly, this may constitute false or misleading credit reporting.

Conflict with IRS 1099-C Reporting If this account was written off and reported as a loss to the IRS, continued reporting of a delinquent or collectible balance could result in double reporting, a misleading practice in violation of the FCRA and potentially other consumer protection laws.

I am formally requesting the following : A complete reinvestigation of this account under 15 U.S.C. 1681i ; Deletion or correction of any and all inaccurate, inconsistent, or unverifiable data ; Confirmation of whether a 1099-C cancellation of debt was filed and the date of filing and a copy ; Immediate cessation of any continued charge-off notations.

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 2025-05-01 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: SC

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information being reported on my credit file regarding the following account : Creditor : SC XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Line of Credit Date Opened : XX/XX/XXXX Reported Balance : {$13000.00} Status : Collection/Charge-off Credit Limit : Reported inconsistently as {$13000.00}, High Credit : Inconsistently reported as {$15000.00} Past Due : {$13000.00} Last Payment : XX/XX/XXXX Potential Violations Under the Fair Credit Reporting Act ( FCRA ) : Violation of 15 U.S.C. 1681e ( b ) The credit bureaus have a duty to report accurate and complete information. This account is reported with conflicting dates, credit limits, and high balances across bureaus, which violates the requirement for maximum possible accuracy.

Violation of 15 U.S.C. 1681s-2 ( a ) and ( b ) If SC XXXX  XXXX XXXX XXXX XXXX this account as a profit and loss write-off or charged off, yet continues to report an active past due balance monthly, this may constitute false or misleading credit reporting.

Conflict with IRS 1099-C Reporting If this account was written off and reported as a loss to the IRS, continued reporting of a delinquent or collectible balance could result in double reporting, a misleading practice in violation of the FCRA and potentially other consumer protection laws.

I am formally requesting the following : A complete reinvestigation of this account under 15 U.S.C. 1681i ; Deletion or correction of any and all inaccurate, inconsistent, or unverifiable data ; Confirmation of whether a 1099-C cancellation of debt was filed and the date of filing and a copy ; Immediate cessation of any continued charge-off notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

Company response to consumer: Closed with non-monetary relief