vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX Subject : Formal Dispute Accounts and Inquiries NOT MINE ( FCRA 611 / 1681i ) To Whom It May Concern, I am writing to dispute several items on my credit report that are inaccurate and do not belong to me. These accounts and inquiries appear to be either fraudulent or reporting errors.

Under the Fair Credit Reporting Act ( FCRA ) 611 and 1681i, I request a full investigation and removal of all information listed below that can not be verified as belonging to me. 

DISPUTED ACCOUNTS ( NOT MINE ) : XXXX Account # : XXXX Balance : {$26000.00} XXXX XXXX XXXX / XXXX Account # : XXXX Balance : {$2600.00} XXXX XXXX XXXX / XXXX XXXX Account # : XXXX Balance : {$1000.00} XXXX  Account # : XXXX Balance : {$26000.00} XXXX  Credit Account # : XXXX Balance : {$11000.00} Last updated : XX/XX/XXXX XXXX XXXX XXXX / XXXX Account # : XXXX Balance : {$2600.00} XXXX XXXX XXXX / XXXX XXXX Account # : XXXX Balance : {$1000.00} Any other accounts not opened or authorized by me DISPUTED INQUIRIES ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ATTACHED DOCUMENTS : Copy of government-issued ID Copy of Social Security card Proof of address ( utility bill or bank statement ) Please remove these items from my credit report unless you can fully verify their accuracy and your legal authority to report them. If you can not validate these entries within 30 days, they must be permanently removed, as required by law.

Failure to act in accordance with the FCRA will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). I also reserve the right to pursue legal action under FCRA 1681n and 1681o for noncompliance.

Thank you for your attention to this matter. 

Sincerely, 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 2025-05-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft. There is a credit card from founders fcu and a dr bill from XXXX XXXX a collection agency. I never gave anyone permossion or authorization to open these accounts. My identity has been stolen. This is really messed me up from moving forward in life. I cant obtain a job, credit or the anything its really affecting my ability to orivide for my family. Inquiries are as follows. 
XXXX For, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I reviewed my Experian credit report and found several inaccurate names, addresses, phone numbers, and accounts that do not belong to me. Some of the accounts may be the result of identity theft, and others are outdated or incorrect. I submitted a formal dispute to Experian, but they did not properly investigate or remove the inaccurate information. Im asking for the CFPBs help to make sure Experian corrects my credit report and removes all the false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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 reviewed my Experian credit report and found several inaccurate names, addresses, phone numbers, and accounts that do not belong to me. Some of the accounts may be the result of identity theft, and others are outdated or incorrect. I submitted a formal dispute to Experian, but they did not properly investigate or remove the inaccurate information. Im asking for the CFPBs help to make sure Experian corrects my credit report and removes all the false information.

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 2025-05-30 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: GA

Complaint narrative:
I disagree with the account listed below : Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX This account still appears on my credit report, even after your initial investigation. I would like this item to be re-investigated immediately. The inaccuracies are highly injurious to my credit score, and are hindering my ability to obtain credit. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-05-30 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:
Im deeply distressed to find out that Ive been a victim of identity theft. Items have been added under my name without my knowledge, and this situation is causing me a great deal of XXXX  and fear. the fraudulent items include : XXXX - credit card - opened in XX/XX/XXXX XXXX XXXX - credit card - opened in XX/XX/XXXX XXXX  - credit card - opened in XXXX, XXXX XXXX XXXXXXXX XXXX XXXX - credit card - opened in XX/XX/XXXXXXXX XXXX XXXXXXXX - collection - opened in XX/XX/XXXX As part of this identity theft i found the next inquirie XXXX  inquired on XX/XX/XXXXXXXX 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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
On XX/XX/year> this company sent out a text message to a third party : You'll rcv acct-related msgs from XXXX XXXX XXXX XXXX XXXXDebt Collector # msgs vary. Visit XXXX Msg & DataRatesMayApply. Reply STOP to stop ( Name ), monthly payments plans are available. 24 payments of {$54.00} will resolve your XXXXXXXX XXXX XXXX account with XXXX XXXX XXXX XXXX XXXX - Debt Collector.Call XXXX or go to ( link ) To optout txt STOP This is a clear violation of 15 U.S. Code 1692c ( b ) and 1692d, which prohibit third-party disclosure of debt and any form of harassment or abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
This is a formal follow-up to my ongoing CFPB complaint ( Case # XXXX ) against Cash App regarding a fraudulent {$70.00} chargeback and the unjust deactivation of my account. 

Despite multiple submissions of evidence and calls to your support team, Cash App has failed to follow standard dispute resolution practices under XXXX rules and has taken retaliatory action against me by terminating my account. 

Key points : Misrepresentation by Cash App Agent A Cash App agent explicitly informed me by phone that my account would not be deactivated if I chose to challenge the buyers chargeback. I have documentation proving this call occurred. Yet my account was terminated regardless, directly contradicting your agents representation.

Evidence of Buyer Fraud Ignored I submitted multiple pieces of evidence, including : Screenshots showing the buyer acknowledged the sale.

Messages showing they blocked me immediately after receiving the product.

Cash Apps own response acknowledging the chargeback was initiated by the buyers bank.

Despite these, no clear explanation was provided for why my evidence was dismissed, nor any opportunity to escalate the matter internally.

Regulatory Failures and Precedent Cash App has failed to offer any seller protections or a transparent dispute resolution process. This contradicts prior CFPB enforcement actions and the expectations outlined in the Sq
uare Consent Order ( XXXX  ). Account Information : * Full Name : XXXX XXXX * Cash App Username ( XXXX ) : $ XXXX * Phone Number Linked to XXXX * Email Address on Account : XXXX * Last 4 Digits of Linked Bank Account : XXXX * Date of Transaction in Question : XX/XX/XXXX * Transaction Amount : {$70.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: RI

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent 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 XXXX RI XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX 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 : {$6400.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-05-30 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: RI

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent 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 XXXX RI XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX 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 : {$6400.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Experian credit report is showing a charge-off account from XXXX XXXX XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX  with a listed charge-off date of XX/XX/2023 and an outstanding balance of {$38000.00}. I am disputing this tradeline as inaccurate and unverifiable. I never received proper notice about this account, nor was I given the opportunity to resolve it prior to it being charged off and reported. I have no record of this account being in default or in any form of delinquency that would justify such a severe reporting outcome. 

This entry has deeply affected my credit health and my peace of mind. I have always been diligent about monitoring my credit, and seeing this massive charge-off appear without warning or explanation has left me feeling powerless and unfairly penalized. I have reason to believe that this may be the result of a reporting error or data breach. In todays digital world, information is frequently mishandled or compromised, and this tradeline is highly suspect considering my history and the complete lack of communication from XXXX XXXX prior to its reporting. 

In addition to my personal experience, I have found overwhelming evidence of other consumers facing similar issues with XXXX XXXX XXXX XXXX. The CFPB has documented a disturbing trend in which this institution fails to conduct proper investigations, reports false delinquencies, and ignores the requirements set forth by the FCRA. Their failure to verify data before reporting has caused widespread damage to consumers across the country, and I am now among those affected. 

As per my rights under 15 U.S.C. 1681i of the Fair Credit Reporting Act, Experian must conduct a full reinvestigation into this account. If XXXX XXXX is unable to produce the original account details, payment history, and documented communication proving the accuracy of this tradeline, Experian must remove it. Furthermore, under 15 U.S.C. 1681e ( b ), Experian has a duty to ensure that all information it includes in a consumers file is accurate and up to date. This clearly has not happened in my case.

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 2025-05-30 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: CT

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 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: NM

Complaint narrative:
b"I purchased a vehicle from XXXX XXXX XXXX XXXX  in XXXX  TX in the month of XXXX Right after I purchased the vehicle the company shut its doors. I never received my license plates or registration and I don't want to continue making payments if I will not be able to receive a title for this vehicle, Whenever I call the dealership nobody answers and whenever I visit nobody is there. I don't have the first idea who to call and whenever I call the bank that has my loan they just tell me to call the dealership (XXXX XXXX XXXX XXXX. I was made to understand that if a dealership fails to provide the title or plates within the required timeframe. the buyer may have legal options, including pursuing a refund of the purchase price, filing a complaint with the state's consumer protection agency, or seeking legal advise. I have exhausted all of my option at this point and I really just need to know who can help me.\XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  \nEmail- XXXX XXXX XXXX XXXX NM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX- \nGlobal Lending Services XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXXn\nPlease feel free to contact me at anytime on either number, I can also be reached at my mailing address in XXXX XXXX XXXX XXXX XXXX NM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-30 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-30 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
concora credit card company has duped, mislead me on purpose in regards to the annual fee of {$250.00} dollars. concora credit did not disclose that the annual fee of { {$250.00} } will be charged within 6 months after the card was issued. The fee is almost 30 % of the credit limit and they will charge to added fees. The interest rate is very high at 36.00 % and the balance goes up to the point that Its impossible will be not able to pay off. I am XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
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