vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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:
XX/XX/year> To : XXXX XXXX XXXX Account Number XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate and permanent deletion of a fraudulent account reported by XXXX XXXX XXXX in connection with an alleged XXXX XXXX XXXX  debt that I categorically deny. 

I have never had any account or service with XXXX XXXX XXXX and have no contractual relationship with XXXX XXXX XXXX. This account is the result of identity theft. Your company previously deleted this collection from my credit reportyet it has now reappeared, falsely reported as both a collection and as a late payment, which is inaccurate, unlawful, and highly damaging. 

The re-reporting of this account, after its removal, constitutes : - Willful violation of the Fair Credit Reporting Act ( FCRA ) - Defamation of character through false credit reporting - Failure to conduct a reasonable investigation under FCRA 623 ( b ) - Intentional infliction of financial harm - Violations of Metro 2 credit reporting standards I have filed a dispute, and you have not provided any documentation validating this debt. If this account is not removed from all credit bureaus within 10 business days of receipt of this letter, I will proceed with the following actions : 1. File a formal lawsuit against XXXX XXXX XXXX and XXXX XXXX XXXX for : - Identity Theft - FCRA violations- Emotional and financial damages 2. File complaints with : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - State Attorney Generals Office 3. Seek monetary damages for willful noncompliance, per FCRA 616 and 617. 

This is your final opportunity to resolve this matter amicably. I demand : - Permanent deletion of the account from Equifax, Experian, and TransUnion - Cessation of all reporting and collection activities- Written confirmation of deletion Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
Account Hunter WarfieldXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not " please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK
State: MA

Complaint narrative:
I received an email at XXXX that a Discover savings account was opened with my email. I have never used Discover and need this account closed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app has allowed several companies and other users to withdraw money from my account even when its locked going back to XXXX Well over {$2000.00} total.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX 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 XXXX 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, XXXX  and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX 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 XXXX 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, XXXX  and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-06-06 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
In early XX/XX/XXXX, I discovered a credit card account with a balance of {$920.00} that had been fraudulently opened under my name with XXXX XXXX. According to my credit report, this account was opened in late XX/XX/XXXX without my knowledge or consent. I did not authorize, apply for, or use this account in any way. 

Once I discovered the account, I immediately took the following steps : I filed a police report for identity theft. The case number is XXXX. 

I contacted XXXX XXXX and have called nearly every day since XXXX. 

Every time I called, I was told someone would get back to me, but I never received a return call. 

I filed disputes with XXXX XXXX, and XXXX. 

I submitted the police report and supporting documentation to both the credit bureaus and XXXX  XXXX. 

Despite this, XXXX  XXXX has refused to acknowledge the account as fraudulent and continues to report it as valid and delinquent. This has seriously damaged my credit score and is directly interfering with my ability to apply for student  loans and financial aid for school. 

I have done everything I am legally supposed to do as a victim of identity theft. This situation is causing severe emotional distress and placing my future educational plans at risk. I am requesting urgent CFPB intervention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Reporting information on a consumer 's credit report without their written consent is identity theft. I dit not give anyone written or verbal permisson for them to place such information on my consumer report Because my privacy rights have been violated, I am demanding the company block and remove the inquiries from my consumer report not later that 4 business days after such information i provide.Inquiries : XXXX  XXXX  {$750.00} XXXX XXXX  {$360.00} XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX  XXXX - {$6100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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

Complaint narrative:
This is a formal follow-up regarding unresolved fraudulent inquiries that remain on my Experian credit report despite multiple disputes. This letter is not a repeat of prior submissions it includes updated documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 
I am a victim of identity theft. The following accounts were opened without my knowledge or consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These tradelines were fraudulently created and do not belong to me. I have never entered into any relationship with these creditors. I am invoking my rights under FCRA 605B, which legally requires that credit bureau block these items from my credit file within four ( 4 ) business days after receipt of this letter.

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

Complaint narrative:
I am writing to file a formal complaint regarding an account that has been improperly reported by TRANSUNION on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically under 12 CFR 1006.34 ( d ) ( 3 ). Despite this requirement, TransUnion proceeded to place the following account : ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt claimed. 

I have not been afforded the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 

TransUnion has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), TransUnion is flagrantly disregarding consumer protection statutes. 

I did not receive any notice from : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. 

Additionally, I have submitted supporting documents proving that my information was compromised in the XXXX  breach and that I am a victim of identity theft. This has caused significant harm to my credit score and resulted in undue financial and emotional stress. 

I kindly request that the CFPB investigate this matter, as I believe this account was reported without following the proper legal procedures. I also request that TransUnion remove this account from my credit report and cease all collection efforts immediately.

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 2025-06-06 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: VA

Complaint narrative:
Im reaching out because theres an account on my credit report that doesnt belong to me. It looks like my credit file is being mixed with someone elses, and this account has nothing to do with me.

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 2025-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Galt Financial Solutions, LLC
State: TX

Complaint narrative:
I got a call from revenue reporting services. Saying that I owe money for a loan that I never took out. That loan was deposited to a bank XXXX XXXX XXXX  account I never opened. The same day that deposit was made, was the same day I went to the dealership XXXX XXXX of mesquite. I never had XXXXXXXX XXXX. The loan was taken out on XX/XX/year> the loan company is XXXX XXXX XXXX XXXX. I went to the XXXX XXXX cooler dealership on XXXX XXXX. I called XXXXXXXX XXXX  and they told me they dont have any information under my social security. It was also put under my spouses email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, in XX/XX/XXXX of XXXX, My wife was involved in a bumper car accident. The other party insurance paid her for the damage since they were at fault. A check from XXXX XXXX for {$2000.00} was issued to her with her name. Due to my wife not having a bank account, she thought signing it over to me, so we can cash the money and pay the autobody repair shop. We called the Chase bank in the city of XXXX, Ca, and asked what was required from my wife and I to do the process. They mentioned nothing, as long as the check was signed by both. Nothing else was needed, I asked them are you sure you do not need our Id 's or anything that demonstrates it is us depositing the check. They again said no, since the amount was not significant. My wife went ahead and proceeded to sign the check over to me, and was deposited. Days later we get a hold on the account, and they begin to tell us they can not issue us the funds because they need to verify my wife phone number with a third party company name XXXX XXXX. My wife has a government issued cell phone in which is not able to be verified, because they are considered recycle phone numbers with the provider XXXX. We have gone personally to Chase to show them documents that show our identity and they refuse to take any information with documents, because they claim that is not the process they handle to release the funds. They closed my account, and I never get anything resolved. We went and got a second line for my wife with XXXX XXXX XXXX a couple months after we tried again for verification, and nothing comes up. It is very frustrating, we need help recovering these funds. We had to pay out of pocket from our own savings to repair the car. Chase does not care, and is only interested in the phone verification with my wife name and it does not make sense, since we have all documents to show prove and they do not care about any of that. I have already spent more money on the second phone line, since it's been more than a year. PLEASE help us resolve this. This incident has also caused problems in our relationship, branch managers have tried to help, but corporate denies resolving the issue, all because of a phone number being verified with her name. Please help, we need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
2 charges for {$170.00}, total of {$350.00}. I reached to CashApp and they refused the refund and failed to provide any additional details.

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

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-06-06 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: WI

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