vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : Identity Theft, Fraudulent Account, and Estate Executor Notice To Whom It May Concern, I am writing as the Executor of my estate, legally established under UCC 1 Financing Statement, to dispute and demand removal of the fraudulent account ( s ) you continue to report and/or attempt to collect.

I been homeless and on public assistance. I never agreed to nor entered into any contract with your corporation. The alleged contract is fraudulent, and the signature you claim to have is not my wet signature. Under UCC 3-401 ( b ), no person is liable on an instrument unless they have signed it, and under UCC 3-403 , unauthorized signatures are ineffective.

As required by law, I formally request : 1. The original contract bearing my wet signature.

If you can not provide it, the alleged contract is null and void.

2. Verification and validation of the account under 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681i ( FCRA ).

3. Removal of this fraudulent account from all reporting and collection activity.

This matter has already been reported : Filed under my FTC Identity Theft Report.

Recorded in my UCC-1 Financing Statement.

Audited with the Department of Treasury.

Supporting documents sent, including Form 1099-C ( Cancellation of Debt ) and Fraudulent Account Letter, which you returned to me. 


Be advised : All bills are prepaid and XXXX through the XXXX Treasury and Federal Reserve under Public Policy ( HJR-192, June 5, 1933 ).

You have no rights or authority over my estate as Executor.

Attempting to collect or report fraudulent accounts is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and creates liability under UCC 1-308 ( Reservation of Rights without prejudice ).

Failure to comply will result in : Formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney General.

Further action for violations of FCRA, FDCPA, UCC, and GAP accounting principles regarding false and misleading financial reporting.

This is my final good faith attempt to resolve this matter privately. Govern yourself accordingly.

Without Prejudice, UCC 1-308, All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
RE : Identity Theft, Fraudulent Account, and Estate Executor Notice To Whom It May Concern, I am writing as the Executor of my estate, legally established under UCC 1 Financing Statement, to dispute and demand removal of the fraudulent account ( s ) you continue to report and/or attempt to collect.

I been homeless and on public assistance. I never agreed to nor entered into any contract with your corporation. The alleged contract is fraudulent, and the signature you claim to have is not my wet signature. Under UCC 3-401 ( b ), no person is liable on an instrument unless they have signed it, and under UCC 3-403 , unauthorized signatures are ineffective.

As required by law, I formally request : 1. The original contract bearing my wet signature.

If you can not provide it, the alleged contract is null and void.

2. Verification and validation of the account under 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681i ( FCRA ).

3. Removal of this fraudulent account from all reporting and collection activity.

This matter has already been reported : Filed under my FTC Identity Theft Report.

Recorded in my UCC-1 Financing Statement.

Audited with the Department of Treasury.

Supporting documents sent, including Form 1099-C ( Cancellation of Debt ) and Fraudulent Account Letter, which you returned to me.

Be advised : All bills are prepaid and discharged through the U.S. Treasury and Federal Reserve under Public Policy ( HJR-192, June 5, 1933 ).

You have no rights or authority over my estate as Executor.

Attempting to collect or report fraudulent accounts is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and creates liability under UCC 1-308 ( Reservation of Rights without prejudice ).

Failure to comply will result in : Formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney General.

Further action for violations of FCRA, FDCPA, UCC, and GAP accounting principles regarding false and misleading financial reporting.

This is my final good faith attempt to resolve this matter privately. Govern yourself accordingly.

Without Prejudice, UCC 1-308, All Rights Reserved.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 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: KY

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Subject : Illegal re-aging and duplicate reporting of medical collection accounts Company : Capio Partners LLC Accounts in Dispute : Account # XXXX Balance {$4800.00} Account # XXXX Balance {$9100.00} Account # XXXX Balance {$560.00} Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX I am filing a formal complaint against Capio Partners LLC for serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to three medical collection accounts they are reporting on my credit file.

Illegal Re-Aging of Time-Barred Debt Each of these accounts falsely shows an Opened date of XX/XX/XXXX, despite the fact that the original XXXX XXXX were incurred in XXXX. 
This constitutes re-aging, an illegal practice that artificially resets the reporting clock. 
Under the FCRA, Section 605 ( a ), adverse accounts can not be reported more than 7 years + 180 days from the date of first delinquency. These debts are time-barred and should have been purged from my credit file years ago.

False, Deceptive, and Misleading Representation By changing the open date to XXXX, Capio Partners has misrepresented the character, age, and legal status of the debt, violating the FDCPA, Section 807 ( 15 U.S.C. 1692e ).

This is a deceptive collection practice designed to coerce payment on debts that are no longer legally enforceable.

Duplicate and Inflated Reporting Two of the accounts appear to stem from the same original creditor and time frame, yet are reported under separate account numbers with different balances ( {$4800.00} and {$9100.00} ).

This results in duplicate reporting of a single obligation, further misrepresenting the debt and compounding harm to my creditworthiness.

Supporting Evidence Copies of my credit report showing the three Capio Partners accounts with false Date Opened entries in XXXX. 
Evidence that the debts originated from XXXX XXXX XXXX, now outside the legal reporting period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
On XX/XX/year>, A validation request ( Exhibit A/XXXX XXXX XXXX Attached ) was received directly by XXXX XXXX XXXX  by certified mail with tracking confirmation ( Exhibit B/ XXXX XXXX  Attached XXXX concerning this account [ # XXXX ] you have listed Exhibit C/Navy Federal Attached . Under 15 U.S. Code 6802 ( Privacy of Consumer Information ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I exercised my right to dispute and request validation of this alleged debt. To date, XXXX XXXX XXXX  has failed to respond within the legally required period. I never had a chance to opt out as required under 6802 ( b ) ( c ).

Because no verification or documentation has been provided, this account is unsubstantiated, unverifiable, and in violation of federal law. Experian, as a consumer reporting agency, is required to ensure that all information it reports is accurate and verifiable. Failure to remove this unverified account constitutes continued publication of inaccurate information and exposes Experian to liability under federal law for damages caused by this reporting. 

The banking institution never provided me a way to opt out using the consumer law contained herein this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
well i filed bankruptcy in 2023 a lot of items was in the bankruptcy but the credit bureaus is still reporting a balance. Also, it several inquiries that are not mine that i do not recognize my personal information on my report is incorrect such as my name employee address and phone number. It is also items on my report that i have disputed months ago which are still flag which need to be remove. Several account which are duplicate account which need to be remove are updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
well i filed bankruptcy in 2023 a lot of items was in the bankruptcy but the credit bureaus is still reporting a balance. Also, it several inquiries that are not mine that i do not recognize my personal information on my report is incorrect such as my name employee address and phone number. It is also items on my report that i have disputed months ago which are still flag which need to be remove. Several account which are duplicate account which need to be remove are updated.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I can not list one date in particular ever since I have had XXXX XXXX as the banking comp .. for my social security problems and with a lawsuit that I have been apart of in earlier years but with disputes as well as accounts opened people impersonating me taking the same amount for instance I took out XXXX on XX/XX/XXXX someone walked in and took out on XX/XX/XXXX XXXX this has been a problem. There are a few disputes but now there was someone that was going to work on it and help me at the bank but I ended up in prison in which I couldn't do it as soon as I got out and was able to call they were saying that the records of my accounts were gone now j do upon studying this they are in a sort of microphish and that all are stored of disputes that alot have been denied however I wouldn't dispute them if they were not disputes AND There is Soo much that I would have to sit down with someone and discuss it not over the phone. I would like to arbitrate this. And some banks arbitrate I would show them exactly wear its going wrong also there are a couple accounts that I believe are opened and sometimes those accounts I get their statement even though they are similar to mine identity theft is going on too starting from a bank a long time ago a credit union that is when I was about XXXX yrs old anyways I'd like to arbitrate please I have many files they will be produced when I arbitrate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the accuracy and completeness of a collection account that appears on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request a reasonable reinvestigation of this information. This account is either inaccurate, incomplete, or unverifiable, and should be removed if the data furnisher is unable to provide full verification. 
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX Account Number : XXXX Please Explain your method of validation on how you're reporting this account with a balance and a charge-off when this account was bought by a XXXX party debt buyer. 
This account is not mine, Please remove from my account immediately. 
This account was reported to the credit bureaus without my prior knowledge or consent, and I never received any communication or documentation regarding this alleged debt from the collector. As such, I question its accuracy, origin, and legitimacy.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the accuracy and completeness of a collection account that appears on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request a reasonable reinvestigation of this information. This account is either inaccurate, incomplete, or unverifiable, and should be removed if the data furnisher is unable to provide full verification. 
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX Account Number : XXXX Please Explain your method of validation on how you're reporting this account with a balance and a charge-off when this account was bought by a XXXX party debt buyer. 
This account is not mine, Please remove from my account immediately. 
This account was reported to the credit bureaus without my prior knowledge or consent, and I never received any communication or documentation regarding this alleged debt from the collector. As such, I question its accuracy, origin, and legitimacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Having issues with cash app. Unable to withdraw my remaining balance which is {$220.00}. Its been over three weeks, spoken to multiple representatives and still no answer or reason why Im not able withdraw my funds. All I been told from the representative is to continue waiting for an email. Dates I have tried withdrawing my remaining balance which, which all say withdraw failed XX/XX/year> tried 4 times that day XX/XX/year> tried 3 times that day XX/XX/year> tried 2 times that day XX/XX/year> tried 3 times that day XX/XX/year> tried 1 time that day XX/XX/year> tried once that day XX/XX/year> tried twice that day XX/XX/year> tried twice that day XX/XX/year> tried twice that day XX/XX/year> tried once that day XX/XX/year> tried twice that day XX/XX/year> tried twice that day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation