vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: GA

Complaint narrative:
Due to 15-USC 1692-G , I am legally authorized to challenge the debt through a debt validation claim. However, they failed to provide the original signatures that I agreed to on the contract for the creditor. Additionally, I have never seen the chain of title required to collect on this debt. Furthermore, they never provided me with a comprehensive list of payment history for this account. I informed the company that this debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-28 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: CA

Complaint narrative:
These inquiries appear to be unauthorized and unexpected. Please review the attached documents immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am a licensed funeral director and owner of a newly established funeral home, XXXX XXXX XXXX and XXXX XXXX, in XXXX, Texas. My business operates under XXXX XXXX XXXX, XXXX. 
I use Square to accept payments for funeral services, which are extremely time-sensitive in nature. Square has frozen {$6000.00} of my business income and deactivated my account citing suspicious activity but has provided no explanation, warning, or opportunity to clarify or resolve the issue. This is now the second time theyve frozen my account, and Ive only had it for a few weeks. 
I have verified my bank information and submitted all documentation as requested. Despite that, I have had no ability to speak with a live person, only limited messaging through Squares app, which has been unproductive. 
I am a fully licensed funeral director and embalmer in Texas ( License # XXXX ). The funds being held are critical to my operations, as they are used to pay vendors, crematories, cemetery fees, and supplies. I have a family waiting on services and I can not delay the handling of the deceased due to Squares arbitrary hold. 
Squares actions are placing grieving families and my business at serious risk, and I believe their internal flagging system is wrongly targeting legitimate transactions in a regulated industry. 
I am seeking immediate assistance to : Have my funds released Receive a proper explanation for the hold Be given a formal appeal or resolution process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-28 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
On XX/XX/year>, I submitted complete and verifiable documentation to Equifax regarding multiple accounts and inquiries that are the result of identity theft. This included : A formal identity theft report My Drivers License, SSN, Bill I submitted this around XXXXXXXX XXXX Shockingly, by the following morning, Equifax returned the inquiries as verified. The turnaround was under XXXX hours, far too fast for any meaningful investigation which strongly indicates the use of an automated dispute response system rather than a legally compliant investigation as required under the FCRA. 

This failure to conduct a reasonable reinvestigation directly violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : 605B identity theft-related information 611 Requirement to conduct a proper reinvestigation when a consumer disputes information It is evident that Equifax is using automated systems to dismiss valid identity theft claims without proper human review or compliance with legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-28 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
XXXX, a collection company, currently has filled collections on my credit report. However after disputing it numerous times against the credit bureaus, it seems to not be deleted off my TransUnion & Experian, but IT DID get deleted off XXXX. 

I have tried contacting the collection agency numerous times for " validation '' reporting but I can not get a response or " proof '' from them! When I try disputing against Experian or TransUnion they tell me the collection agency has " validated '' it but under federal law 15 U.S. Code 1681i they MUST show me that...

This is UNFAIR!

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 2025-07-28 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 request the removal of hard inquiries from my credit report that were not initiated by me. I did not authorize any such activity and am concerned about potential misuse 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 2025-07-28 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-28 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: GA

Complaint narrative:
I ddeclare under penalty of perjury ( under the laws of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. i also understand that knowing and willful mistatements or omissions of material facts constittutes a Federal CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are ounishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating soem accounts. All is being investigated by the FTC I demand you remove this account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report!

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I ddeclare under penalty of perjury ( under the laws of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. i also understand that knowing and willful mistatements or omissions of material facts constittutes a Federal CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are ounishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating soem accounts. All is being investigated by the FTC I demand you remove this account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report!

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 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I have provided documentation of my fire insurance policy multiple times submitted on lin, text, email over a 6 minth period. My insurance provider has as well.

In spite of this the purchases fire i surance from XXXX and charged to my escrow. I have used the same insurance for multiple years. 

From email correspondence from insurance provider : Attachment XXXX the Renewal Document effective XX/XX/XXXX until XX/XX/XXXX Attachment XXXX the Changed Document showing Rocket Mortgage is now listed as Mortgage. 

* There have been no Gaps or Breaks in coverage. * PLEASE HELP!! 


Property is XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Hello, I deposited {$2100.00} on XX/XX/XXXX via ATM. I deposited three money orders for the amounts of {$1000.00}, {$980.00}, & {$200.00}. The money orders were returned from my mortgage company, stating they didn't want the payments & they placed my home in foreclosure. I am the purchaser of the money orders, so I endorsed the money orders and put " not used for purposes intended '' on the back of each money order. 

I visited the local branch on XXXX XXXX. explaining the situation. I was told that a portion of the funds would be made available by the next business day, that didn't happen. I called Bank of America over 10 to 15 times, explaining the urgent need to get my money! Checks are bouncing, things are getting cut off. Bank of America did offer a few teller credits, that are only good for 24 hours. If there is no money in the account to offset the transactions, the account balance goes into the negative. 

Bank of America stated, they would issue IRDs ( Image Replacement Documents ) It took 3-5 days to receive the replacement images. I received the IRDs on Saturday XX/XX/XXXX. I took the replacement images to the XXXX location. I was told the {$2100.00} would be available Tuesday, XX/XX/XXXX ; that was incorrect information. After speaking with a manager over the phone today XX/XX/XXXX, she stated the hold is on the account until Friday XXXX, the Manager stated she would try to escalate the matter but there is no guarantee an escalation would be approved. I have been trying a whole week, trying to get my money to pay bills and an attorney that is needed for my foreclosure process. Bank of America keeps changing dates and holding my funds, I am in dire need of my money. I am already facing a foreclosure and could lose my home, I need my {$2100.00} now! I have checks that are being returned unpaid because of this matter, which is going to cause me more late fees and potential having services cut off. Bank of America has handled this matter very poorly.

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