vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 remove these 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 non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I state that the false late payment notations on my accounts are a breach of 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: IN

Complaint narrative:
Dear CFPB, I was scammed by several people on KRAKEN crypto platform with legitimate KRAKEN accounts for a sum exceeding $ XXXX. I have filed a complaint with my Local police department, FBI and FTC. We have provided exact Crypto tracking to KRAKEN which states where my money is held right now. KRAKEN is unwilling to freeze those scammers accounts. I am attaching a detailed report from the Investigation agency which has tracked down the wallets of the scamsters. KRAKEN could take the lead here and freeze those accounts. If CFPB can help in this regard, I will be highly grateful. I have lost my hard-earned savings for over 10 years to this Crypto scam unleashed by people with legitimate KRAKEN accounts . Thank you. 

Best Regards, 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I noticed an entry for Account # XXXX, allegedly owed to XXXX XXXX XXXX, XXXX, reported on my credit file. This debt is not mine. 
On XX/XX/year>, I was contacted by XXXX XXXX XXXX attempting to collect this same debt. They have not provided any documentation proving that I owe this debt, nor have they provided validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This account was reported to the credit bureaus before any validation was provided, in direct violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have already sent a written dispute and demand for validation ( dated XX/XX/year> ) to both XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX via certified mail. 
Despite my dispute, this debt remains on my credit report, damaging my credit standing, and collection efforts have continued. This is illegal collection activity. 
I demand that : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX cease all collection activity immediately. 
All negative credit reporting related to this account be deleted from my credit files with XXXX XXXX and XXXX 
No further collection or reporting occur without full legal validation of the alleged debt. 
If this is not corrected immediately, I will pursue all remedies available to me under federal and state law, including damages for FDCPA and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} 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 : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Since XX/XX/XXXX, I have filed multiple disputes with Experian, XXXX XXXX XXXX regarding inaccurate and fraudulent accounts on my credit reports. Despite repeated disputes, the bureaus have continued to report these accounts without providing verifiable documentation from the original creditors. 

The disputed accounts include charge-offs and collections such as : XXXX XXXX XXXX XXXXXXXX reported charge-off for {$670.00}. 

XXXX XXXX XXXX XXXXXXXX XXXX  reported charge-off for {$800.00}. 

XXXXXXXX XXXX XXXX XXXX XXXX reported charge-off with conflicting balances up to {$880.00}. 

XXXX / XXXX reported charge-off with balances up to {$1300.00}. 

XXXX XXXXXXXX XXXX XXXX reported charge-off for {$1500.00}. 

XXXX XXXX XXXX XXXX reported charge-off with balances up to {$880.00}. 

XXXXXXXX XXXX XXXXXXXX reported inaccurate late payments on a credit card account. 

I have also disputed multiple old addresses and unauthorized hard inquiries that remain on my file despite not being linked to any valid activity or permissible purpose. 

The bureaus are in violation of : FCRA 605B ( 15 USC 1681c-2 ), which requires deletion of identity theftrelated information within 4 business days.

FCRA 611 ( 15 USC 1681i ( a ) ), which requires reinvestigation and removal of unverifiable information.

FCRA 623 ( 15 USC 1681s-2 ( b ) ), which requires furnishers to correct or delete inaccurate information.

FCRA 604 ( 15 USC 1681b ), which prohibits reporting unauthorized credit inquiries. 

My disputes began in XX/XX/XXXX and continued monthly through XX/XX/XXXX, but the credit bureaus have not complied. The inaccurate accounts, old addresses, and inquiries remain on my file, negatively affecting my creditworthiness. 

I am requesting that the CFPB require the credit bureaus and furnishers to immediately delete these accounts, remove old addresses, and delete unauthorized inquiries as required 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 2025-08-19 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I state that the false late payment notations on my accounts are a breach of 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

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 2025-08-19 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/year>

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 2025-08-19 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
This letter is a formal dispute regarding the XXXX installment account that is showing a 30-day late payment on my credit report. I request a Metro 2 compliance investigation into this payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation
State: TX

Complaint narrative:
Account Resolution Corp has reported a collection account to my consumer credit reports and is attempting to collect a debt without legal authority to do so in Texas. 

A search of the Texas Secretary of State and Texas Office of Consumer Credit Commissioner records confirms that Account Resolution Corp is neither licensed nor bonded to collect debts in Texas as required by Texas Finance Code 392.101. Attempting to collect or furnish a debt in Texas without meeting these requirements is prohibited by Texas Finance Code 392.301 ( a ) ( 8 ) and 392.403. 

In addition, the agreement with the original creditor for this alleged debt contains a binding arbitration provision covering all disputes. Account Resolution Corp, as an assignee or agent of the original creditor, is bound by this clause. By pursuing collection and reporting to the credit bureaus outside of arbitration, they are deliberately bypassing the agreed dispute resolution process, which is deceptive and unfair under federal and state law. 

Further, I never received the written validation notice required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) prior to their furnishing of this account to the credit reporting agencies. Reporting the debt without providing this notice, and without legal authority to collect in Texas, violates the Fair Debt Collection Practices Act ( 1692e ( 5 ) and 1692f ) and the Fair Credit Reporting Act ( 1681s-2 ( a ) ) by furnishing inaccurate and unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-19 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: TX

Complaint narrative:
According to USC 1681g, these incorrect accounts are to be pinpointed and purged within 15 days of receiving notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX XXXX i received a call from som someone impersonating my bank. My banks name is XXXX XXXX and I dont know how this happened, but I guess because my Cashapp was linked to my bank account they were able to hack into my bank account. They moved money from my checking and my saving and transferred money to my Cash app. I reported it to my bank immediately and verify that it wasnt them. They created a new bank account debit card and login information for me. They told me they couldnt help me because the transfer was made through Cash app. I did a claim with cash app and they replied today. I also did a police report case number XXXX. All i know was the money was transferred to a bank named XXXX XXXX  XXXX XXXX with debit number XXXX. Cashapp responds was they couldnt help me and closed the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
XX/XX/XXXX MOHELA XXXX XXXX XXXX XXXX, MO XXXX Re : Dispute and Request for Documentation Loan Account [ XXXX XXXX XXXX ] To Whom It May Concern : I am formally disputing the accuracy and servicing of the above-referenced loan and requesting validation under applicable consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) where applicable. 
Specifically, I am requesting the following : 1. Master Promissory Note ( MPN ) : A complete copy of the original signed Master Promissory Note, including all terms, conditions, addendums, and amendments that created the alleged debt. 
2. Chain of Custody/Ownership : Documentation establishing the full chain of assignment, sale, or transfer of the loan, from XXXX ( or any prior entity ) to MOHELA, including dates and agreements authorizing MOHELA to collect or service this loan. 
3. Complete Payment History : A full accounting of all payments made on this loan, including dates, amounts, and a breakdown of how each payment was applied ( principal, interest, fees, or other categories ). 
4. Interest Capitalization Records : A detailed record of all instances of interest capitalization, including the date, amount, and reason for capitalization. 
5. Settlement Eligibility and Records : Confirmation and documentation of whether my loan qualifies for relief under : - The XXXX Attorneys General Multistate Settlement with XXXX, which cancelled or discharged certain private subprime loans and provided restitution. 
- The XXXX CFPB enforcement action against XXXX/MOHELA, which addressed servicing failures, consumer harm, and improper credit reporting. 
6. Credit Reporting Accuracy : Verification that all information MOHELA has reported to consumer credit bureaus is complete and accurate. Please provide documentation supporting the accuracy of tradeline balances, dates of delinquency, and loan status as reported. 
Until I receive proper validation and the requested documents, I dispute the accuracy and enforceability of this loan and any negative reporting related to it. Please ensure that my dispute is noted with all credit reporting agencies in accordance with the FCRA. 
I request a written response and all documentation within the timelines required by law. If you fail to provide full validation, I will consider the loan unenforceable and take further action, including complaints to the Consumer Financial Protection Bureau, my State Attorney General, and credit reporting agencies. 
Sincerely

Company response to consumer: Closed with explanation