vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-05 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
A fraudulenXXXX XXXX XXXXccount was opened in my name on or around XX/XX/year>, without my knowledge, authorization, or benefit. I was already an active XXXX customer at the time and never opened or consented to this account in any way. I did not authorize anyone else to open it either. 

The account was later placed with XXXX XXXX XXXX for {$2400.00} and is now showing as closed on my TransUnion report. However, closure does not equal resolution or validation. The account continues to report as a derogatory collection, negatively impacting my credit score.

I have disputed this account multiple times with the credit bureaus and have never received any documentation verifying that I opened it no signed contract, IP logs, usage data, or delivery confirmation.

Under the Fair Credit Reporting Act ( FCRA ) Section 611, unverifiable or inaccurate information must be removed entirely, not simply marked closed or updated. I am requesting the permanent deletion of this account from all credit bureaus, as it remains inaccurate, unverified, and harmful to my credit profile.

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 2025-07-05 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: 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: 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 XXXX XXXX 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 2025-07-05 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the 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 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I do not have a Cash App account. I received email saying I did and that XXXX XXXX requested {$25.00} from my non-existent account. Cash App will not help unless I open an account. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
I received an automated generated letter from Experian requesting documents that I already submitted with my original Identity theft report complaint. I received this letter within 3 days of my submission of the complaint. Experian honored my Identity theft complaint and removed the inquiries on my credit file, but sent the generated letter requesting the documents already submitted for the fraudulent accounts and did not block them. A thorough investigation was not initiated and Experian treated my complete and my accurate Identity Theft reports with the required documentation to have the accounts block immediately, as frivolous. This is a direct violation of my rights a consumer. I attempted to upload the documents again through their Experian upload portal but couldn't access it. I am attaching the required documents and also proof that the inquiries were removed with the same documentation that I submitted but not the fraudulent accounts. You can not honor the Identity theft report for one item off the report and not the other accounts on the Identity theft reports. Equifax and Transunion has also failed to comply under the FCRA section 605B to block the fraudulent accounts when proper documentation has been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
I received an automated generated letter from Experian requesting documents that I already submitted with my original Identity theft report complaint. I received this letter within 3 days of my submission of the complaint. Experian honored my Identity theft complaint and removed the inquiries on my credit file, but sent the generated letter requesting the documents already submitted for the fraudulent accounts and did not block them. A thorough investigation was not initiated and Experian treated my complete and my accurate Identity Theft reports with the required documentation to have the accounts block immediately, as frivolous. This is a direct violation of my rights a consumer. I attempted to upload the documents again through their Experian upload portal but couldn't access it. I am attaching the required documents and also proof that the inquiries were removed with the same documentation that I submitted but not the fraudulent accounts. You can not honor the Identity theft report for one item off the report and not the other accounts on the Identity theft reports. Equifax and Transunion has also failed to comply under the FCRA section 605B to block the fraudulent accounts when proper documentation has been received.

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 2025-07-05 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: ID

Complaint narrative:
I contacted the company after I noticed that a collection was placed on my credit report. I have attempted to resolve the issue with both XXXX and the debt collection agency but have not received a satisfactory response. The equipment was returned to XXXX when service was cancelled after I had spoken with a representative that said they would cancel the bill and any remaining charges upon return of equipment. Now, the collection is showing on my credit which is inaccurate. I requested a breakdown of the charges which is vague and the device contracts- one of which is only in my name and not signed by me. The remaining contracts were never signed by me or am I the account holder on the contract. This information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: IL

Complaint narrative:
I found inaccurate negative items on my credit reports. I contacted the furnished, received no verifiable response. I am requesting a full investigation under FCRA. Please remove this unverified clean.

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 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
b'Dear Sir or Madam,\n\nI am writing to formally address Bank of Americas failure to comply with applicable regulations concerning my dispute claim filed on XXXX XXXX XXXX regarding a debit card transaction dated XXXX XXXX XXXX, for XXXX  to XXXXct. The merchant failed to ship the purchased item, and to date, no delivery has been made. Despite my timely filing of the claim, Bank of America has neither issued a temporary credit nor provided any updates on the status of my case, in violation of XXXX XXXX of the XXXX XXXX XXXX XXXX which mandates timely investigation and resolution of such disputes.\n\nThis prolonged inaction has caused me significant inconvenience and financial hardship. I am requesting the immediate issuance of a full refund of XXXX to my account, as well as appropriate compensation for the regulatory violation and the undue delay in resolving this matter.\n\nPlease provide a written response within XXXX business days, detailing the actions taken to resolve this issue and the compensation provided. Failure to address this promptly will result in further escalation, including complaints to the Consumer Financial Protection Bureau and other relevant regulatory bodies.\n\nSincerely,\nXXXX XXXX\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nAccount name: 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 monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I purchased a used XXXX XXXX XXXX from XXXX of  XXXX XXXX ( Florida ) and financed the vehicle through the dealership. The vehicle was listed online at {$75000.00}, but the final sale price in the paperwork was {$84000.00} a nearly {$10000.00} difference that was not disclosed, explained, or agreed to. The finance manager prepared the paperwork without consulting me and rushed me through the signing process without reviewing line-item costs. 

Additionally, several expensive optional products were bundled into the loan without my knowledge or consent including appearance protection, windshield coating, window tint, and a maintenance plan. I never requested these products, was not given the chance to opt in or out, and was not informed of their cost. 

On XX/XX/XXXX, I submitted a written cancellation request for those products within the XXXX window defined in the provider contracts. I requested to retain only the XXXX and extended warranty. I received no response. I followed up with a second email and CCd the XXXX XXXX XXXX assigned to my state-level complaint. The dealership has still not responded. 

My loan has now fully posted to my bank portal with inconsistent payment details, including a first due date and payment amount that do not match what was disclosed in my Retail Installment Contract. This suggests additional issues with the loan accuracy and disclosures. 

I am requesting that the Consumer Financial Protection Bureau investigate the dealerships conduct, their failure to honor timely cancellation, and the possible misrepresentation of loan terms under the Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of identity theft and discovered a fraudulent account ( XXXX XXXX XXXX XXXX and XXXX ) on my TransUnion and Experian credit report. 

I submitted an FTC Identity Theft Report, government-issued ID, and proof of address, along with a formal request under FCRA Section 605B to block this fraudulent item. 

TransUnion has refused to remove or block this account within the 4 business days required by law. I am requesting that the CFPB enforce their legal obligation to comply with FCRA Section 605B and immediately remove the fraudulent data from my file. 

This is seriously harming my credit profile and delaying financial progress. I need urgent resolution.

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 2025-07-05 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have no knowledge of this account opened in XX/XX/year> from Jefferson Capital. I opened my credit today to see a collection added to mXXXX XXXX account of over {$2000.00}. I do not owe this debt and no documents have been sent to me. This has since added a derogatory remark on my credit report. JEFFERSON CAPITAL needs to update their file and take the proper action before adding accounts to credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
this debt was paid and still shows up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for wrongfully deleting and blocking a valid, accurate tradeline from my credit file in violation of the Fair Credit Reporting Act ( FCRA ). 
Report Number : XXXX Date Generated : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$5000.00} This account is accurate, authorized, and belongs to me. I did not request its deletion. Its removal negatively impacts my credit profile. 

Experian has failed to comply with FCRA 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which requires reinsertion of previously deleted but accurate information. I submitted a formal written demand for correction, yet the tradeline has not been reinstated.

I request the CFPBs assistance in having this account reinstated and Experian held accountable for its failure to follow federal reporting obligations.

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