vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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:
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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-17 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: CA

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

1681c2 ) that you, the TransUnion 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 : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$0.00} 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, 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 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 2025-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WLCC
State: CA

Complaint narrative:
What happened : On XX/XX/year>, Merit Financial Trust attempted an automatic debit of {$120.00} on a payday loan. Im a XXXX XXXX XXXXXXXX veteran who has been fraudulently misclassified as retired, which suppressed access to mainstream credit and forced me into predatory loans. 

Why this violates the law : Merits conduct is unfair/abusive ( XXXX ) given my XXXX and the known fraud contaminating my identifiers. Their practices risk furnishing inaccurate information to CRAs in violation of FCRA, and perpetuate discrimination contrary to ECOA/ADA principles . 

What I want : Investigate Merits loan/collection practices, require validation and correction, and suspend any derogatory reporting until a full fraud reinvestigation is completed ; refund or reverse any fees that accrued because of the fraud-tainted situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX around XXXX XXXX I sent {$40.00} to a XXXX XXXX for delivery of an item he was selling. When I sent it, I thought he had arrived because I was communicating thru a friend that was visiting me but he never came. I waited hours and he claimed he went to jail overnight but promised to come the next day and still didnt. He refused to send my money back so I messaged from my account asking for it back and he wouldnt respond, then cussed me out from a different account for threatening to call police. I tried to request my money back on Cash app but he declined it multiple times and cash app refuses to reimburse me when I was clearly scammed/taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute two inaccurate items on my credit report that are the result of identity theft. I did not authorize these accounts, nor have I ever had any dealings with the companies in question. 

Below are the details of the fraudulent items XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX These accounts were opened without my knowledge or consent. As such, they are not valid and should be removed from my credit report immediately.

Attached to this letter are the following documents for your review : A copy of my Identity Theft Report, as filed with the appropriate authorities, A copy of my government-issued ID and Social Security Card . 

Please conduct an investigation under the Fair Credit Reporting Act ( FCRA ) and remove these fraudulent items from my credit file. In addition, I request that a copy of the results of your investigation be sent to me in writing once it is complete. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if further information is required.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC
State: AZ

Complaint narrative:
The derogatory debt appeared on my credit report between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I mailed a dispute to the debt collector and requested an XXXX accommodation to receive all verification and related documents by email so I could use assistive technology to read them, as well as by mail for a physical copy. Because I can not read mailed documents without assistive technology, receiving only the mailed copy is equivalent to sending the information in a foreign language. The debt collector ignored my accommodation request and only sent mailed documents, which I could not use. Additionally, they put me into collections without properly notifying me of the alleged debt, and there is a discrepancy between the name on my credit report ( American Coradius Incorporated ) and the mailed correspondence ( American Coradius International, LLC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-17 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: NY

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FlexShopper, Inc
State: LA

Complaint narrative:
Approved Cash a payday loan company in XXXX, Louisiana which is now called Liberty Tax and Loans, used a debt collection agency called XXXX XXXX collection Agency to collect a debt. I paid XXXX and then they went out of business and never reported I paid the debt to Approved Cash/Liberty Tax and Loans. I visited the Approved Cash/Liberty Tax and Loan to talk with someone and show proof of paying the collection company XXXX  because someone impersonating a debt company was threatening me on their behalf had been calling me and my family. Approved/Liberty told me that my bank account proof was no good because the XXXX company didnt contact them about it. After asking what to do the manager informed me to reach out to XXXX but I wasnt able to because they are no longer a company. Even the manager at Approve/Liberty told me they couldnt reach them as well. I have proof showing that I paid XXXX but they wont accept it. Approved/Liberty now has a fake debt collector contacting me and everyone I know about this resolved debt. This person which, is a lady, has contacted me several times and I have explained the situation to her I even asked for a address to send a copy of the proof I have. She refused and continued to make threats toward me and even personal insults. She has my social security number and also knows my banking information. She will not provide a company name nor will she give an address. The number she contacts me from are as follows : XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. Please help me with this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

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

Company 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-09-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX social XXXX To : ExperianXXXX XXXXXXXX XXXX, TX XXXX EquifaxXXXX XXXXXXXX XXXX, GA XXXX TransUnionXXXX XXXXXXXX XXXX, PA XXXX Subject : Formal Dispute of Fraudulent Accounts/Inquiries Due to Data Breach Demand for Immediate Deletion To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information on my credit report as provided by your bureau. These accounts and/or inquiries are the direct result of identity theft linked to the Equifax and XXXX data breaches, which compromised my personal information without my consent. 
As a victim of this breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c-2 ( Section 605B ), which requires the credit bureaus to block and remove all information that I identify as resulting from identity theft. 
The following items are fraudulent and must be deleted immediately : XXXX XXXXXXXX XXXX XXXX {$1000.00} opened XXXX, XXXX XXXX {$2000.00} opened XXXX, XXXX XXXX {$3400.00} opened XXXX, XXXX XXXX {$2000.00} opened XXXX. 
You are hereby notified that : XXXX. FCRA 605B requires you to block these accounts from my credit file within XXXX business days of receiving this letter, as they are the result of identity theft. 
XXXX. FCRA 611 ( 15 U.S.C. 1681i ) requires a full reinvestigation of these disputed items. Failure to conduct a proper investigation will be considered willful noncompliance. 
XXXX. FCRA 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they knowor should knowto be inaccurate. 
XXXX. Re-reporting ( reinsertion ) of any fraudulent or deleted item without proper certification is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 
Because my information was compromised in the Equifax/XXXX breach, I demand the immediate and permanent deletion of all fraudulent accounts, inquiries, and negative information associated with this identity theft. 
If you fail to comply, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will consider pursuing civil remedies under FCRA 616 and 617, which provide for damages, attorneys fees, and costs. 
I expect a written confirmation within the legally required time frame that these fraudulent items have been deleted from my credit file. 
Enclosed are copies of supporting documentation, including [ attach : FTC Identity Theft Report, police report if available, proof of identity, breach notice, etc. ]. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief