vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Repeated emails and text messages from LVNV Funding LLC about debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: GA

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

Company 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 2025-08-10 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:
I AM IN SHOCK. HOW FRAUD IS STILL A PART OF OUR LIFE AND THIS PROBLEM HAS NEVER BEEN SOLVED. I JUST FOUND OUT SOME PEOPLE OBTAINED MY INFORMATION FROM XXXX KNOWS WHO AND STARTED USING IT ON SOME NONSENSE. HERE, DI DIDNT EVEN KNOW THIS INQUIRES EXISTED UNDER MY NAME TILL NOW XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH I REALLY WISH THIS HAPPENS TO THEM WHO DID THIS TO MEE.. I WILL WAIT FOR UPDATES AND THANK YOU FOR YOUR TIME, I ALSO ALREADY CALLED BANKS AND HAD CONVERSATIONS, THEY KNOW TOO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
I MAILED OVER MY DOCUMENTS TAHT THEY TOLD ME TO, I WILL CLERIFY IT EVEN MORE THEIR SUPERVISOR WAS ON THE CALL WITH ME EXPLAINING THE STEPS OF HOW I NEED TO REMOVE THI FRAUD FROM MY NAM EAND I DID EXACTLY WHAT I WAS TOLD BUT STILL THEY ARE MAKING MY LIFE VARY HARD AND TELLING ME DIFFERENT REASONS EVERY TIME WHY THIS FRAUD INQURIES HAVEN'T BEEN REMOVED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
I had my credit checked and found out the my score had dropped due to bad marks on my credit record. XXXX XXXX account XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I also saw a collection for {$110.00} from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no idea what this is for and I have never been involved with these companies. I have worked hard my life to keep my credit good and now I have this issue. I hope you can help me get this situation taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had my credit checked and found out the my score had dropped due to bad marks on my credit record. XXXX XXXX account XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I also saw a collection for {$110.00} from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no idea what this is for and I have never been involved with these companies. I have worked hard my life to keep my credit good and now I have this issue. I hope you can help me get this situation taken care of.

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have requested for several years for TD Bank to correct the name on my account. I have been the victim of identity theft, bank fraud ( involving TD Bank ), and theft generally through mobile applications, and the parties who have committed the theft have used the name " XXXX XXXX ''. Despite numerous requests, my TD Bank checking account continues to be changed from my legal name, XXXX XXXX XXXX, to my previous name " XXXX XXXX. '' This is happening with many of my accounts - I change the name on the account back to XXXX XXXX XXXX and it eventually gets changed to " XXXX XXXX '' around the same time that some form of financial theft occurs. I've brought this to the attention of TD Bank several times. 

Please assist with having them fix this issue permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
SO I WANT TO EXPLAIN THIS. THERE ARE PEOPLE WHO STOLE MY INFORMATION AND NOW I SEE FRAUDULENT ACCOUNTS AND INQUIRES UNDER MY NAME WHICH I HAVE NO INFORMATION ABOUT. I WILL MENATION THE INQUIRES WHICH ARE ASSOCIATED WITH THIS FRAUD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HOPE YOU UNDERSTAND THE SERIOUSNESS OF THIS SITUATION AND HOW BAD THIS IS OVERALL TO HAPPEN TO A PERSON, I AM ALSO VERY NERVOUS ABOUT IT AND I HOPE THAT THIS GETS SOLVED. THANKS BEFOREHAND.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
I noticed that XXXX XXXX had obtained and/or reported information on my credit file without my knowledge or consent. I have never had an account with XXXX XXXX and never gave written authorization for them to access or furnish my consumer report. 

This appears to be a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which requires a permissible purpose and, in most cases, consumer consent before a credit report can be accessed or reported. I have disputed this with the credit bureaus and demanded deletion, but the item remains. I am requesting the CFPBs assistance to have this account removed from my credit file and to ensure XXXX XXXX ceases any unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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 2025-08-10 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: DE

Complaint narrative:
They have XXXX dollars in my cashapp account that they are not letting me to with. I even tried selling my XXXX, they blocked me. I have complain for almost XXXX years now and they are doing nothing about it On XX/XX/XXXX, I tried to cash out XXXX dollars. I was block and told it was a problem with my bank card on file. I replaced it with another card and still the issue wasn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
Subject : Equifax Reinserted a Previously Deleted Charge-Off Without Required Notice Unauthorized Dispute Activity Complaint Details : I am filing a formal complaint against Equifax for XXXX the Fair Credit Reporting Act ( FCRA ) by reinserting a deleted charge-off from XXXX ( Account Number : XXXX ) into my credit file without following required reinsertion procedures. 

This charge-off was previously deleted from my credit report, yet Equifax has XXXX it back without : Providing written notice within XXXX business days of reinsertion ( FCRA XXXX ( a ) ( XXXX ) ( B ) violation ) Supplying new, valid documentation from XXXX proving XXXX debt is legitimate Ensuring the accuracy and completeness of the data before reinsertion Unauthorized Dispute Activity : When I checked my XXXX XXXX report, I saw that Equifax is XXXX showing an active dispute for this XXXX  account. I want to make it clear that I never initiated this dispute. Equifax appears to have opened it without my request or consent. 
This unauthorized dispute activity does not address my actual complaint which is that Equifax illegally reinserted this account in violation of the FCRA. 

XXXX XXXX : The account was previously removed after a dispute and should not have been reinserted without formal notice and proper verification. 

Equifax failed to send the federally required reinsertion notice within XXXX business days. 

An active dispute is listed without my authorization, which misrepresents my actions and distracts from the actual reinsertion violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
I had my credit checked and found out the my score had dropped due to bad marks on my credit record. XXXX XXXX account XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I also saw a collection for {$110.00} from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no idea what this is for and I have never been involved with these companies. I have worked hard my life to keep my credit good and now I have this issue. I hope you can help me get this situation taken care of.

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 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The XXXX of Accounts below has violated my XXXX. rotected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts XXXX XXXX XXXX  XXXX XXXX, has violated my rig. XXXX XXXX Investment Retrievers Attached is proof inaccurate information submitted and update to All three bureaus. Report page XXXX of XXXX with the inaccurate information. It state last payment was XXXX XXXX. Company to validate payment made. No payments were made as of XX/XX/XXXX and XXXX wlth the was XXXX XXXX and sold as XXXX XXXX attached. And unpaid registration as of XX/XX/XXXX. The account is beyond XXXX  years delinquency. And information is not accurate. Recieved Experian Credit Report on XX/XX/XXXX and noticed information is incomplete and not accurate. Furthermore, as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ). And according to 15 U.S.C. 1681i ( a ) ( 5 ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information. This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer. 

Attached is proof of date of delinquency after investigation by Equifax Credit Bureau. 

Additionally this company has listed the account under multiple company names va to purpose violate 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 explanation
Consumer complaint received 2025-08-10 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: Westlake Services, LLC
State: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The XXXX of Accounts below has violated my XXXX. rotected consumer rights to privacy and confidentiality under XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rig. hts. XXXX XXXX XXXX  Attached is proof inaccurate information submitted and update to All three bureaus. Report page XXXX of XXXX with the inaccurate information. It state last payment was XXXX XXXX. Company to validate payment made. No payments were made as of XX/XX/XXXX and XXXX wlth the was XXXX XXXX and sold as XXXX XXXX attached. And unpaid registration as of XX/XX/XXXX. The account is beyond XXXX  years delinquency. And information is not accurate. Recieved Experian Credit Report on XX/XX/XXXX and noticed information is incomplete and not accurate. Furthermore, as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ). And according to 15 U.S.C. 1681i ( a ) ( 5 ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information. This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer. 

Attached is proof of date of delinquency after investigation by XXXX  Credit Bureau. 

Additionally this company has listed the account under multiple company names va to purpose violate XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Investment Retrievers, Inc.
State: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of Accounts below has violated my federallyline. rotected consumer rights to privacy and confidentiality under 15 USC 1681 AccountXXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rig. hts. # Investment Retrievers Attached is proof inaccurate information submitted and update to All three bureaus. Report page 3 of 22 with the inaccurate information. It state last payment was XXXX XXXX. Company to validate payment made. No payments were made as of XX/XX/XXXX and Vehilce wlth the was repo 'd and sold as XXXX File attached. And unpaid registration as of XX/XX/XXXX. The account is beyond 7 years delinquency. And information is not accurate. Recieved XXXX  Credit Report on XX/XX/XXXX and noticed information is incomplete and not accurate. Furthermore, as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ). And according to 15 U.S.C. 1681i ( a ) ( 5 ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information. This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer. 

Attached is proof of date of delinquency after investigation by XXXX  Credit Bureau. 

Additionally this company has listed the account under multiple company names va to purpose violate FCR Act. 
XXXX XXXX XXXX XXXX XXXX Investment Retrievers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax is acknowledging my correct legal name and address during disputes, but is refusing to update my credit file. This includes : Continuing to display the wrong name : XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX to list an incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX This is inaccurate. I own a single-family home, not a mixed-use building or trailer. No such unit ( XXXX  XXXX ) exists at my address. 


Summary of Facts : 1. I submitted multiple valid forms of identification : U.S. Passport Card ( front ) Indiana State ID ( front ) Social Security Card Two separate bank statements showing my correct legal name and correct address 2. Equifax confirmed my correct legal name ( XXXX XXXX XXXX ) in dispute results but continues to show the incorrect variation online. 
3. Equifax has also been given proof of my correct street address without any unit number, yet continues to display XXXX XXXX. 
4. These errors cause : Improper matching to public records ( XXXX was filed under incorrect name ) Potential misassociation with accounts and inquiries belonging to another identity Reputational harm and scoring impact from inaccurate file identifiers Violations : FCRA 607 ( b ) : Failure to assure maximum possible accuracy of file information FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 5 ) : Failure to delete or modify inaccurate information after reinvestigation FCRA 604 : Continuing to allow inquiries under an incorrect identity/address combination

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
Payment History Conflicts. XXXX  : Shows 120-day delinquency ( no monthly breakdown ). Equifax : Monthly history shows a mix of 30, 60, 90-day lates and some months marked OK. Date Inconsistencies for Last Reported. XXXX  shows XX/XX/year>XXXX  Equifax shows XX/XX/year>. These should generally match if the data is being reported accurately and timely. Also, Date of Last Payment inconsistent. XXXX  shows XX/XX/year>XXXX  ; Equifax shows XX/XX/year>. A two-month discrepancy in the last payment date suggests a reporting error. This account is reporting different balances across bureaus, which suggests inaccurate data. The payment history is inconsistent with the status and dates provided, indicating potential reporting errors. One bureau has no record of this account, so I request full verification or deletion from others due to inconsistency. 
This account lacks key required fields like high credit and monthly payment details, making it unverifiable.

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