vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: IL

Complaint narrative:
My phone number is XXXX XXXX XXXX. I don't know why the old number is appearing the XXXX XXXX - XXXX. Is outdated this system isn't allowing me to updated it and I will continue to update information with the CFPB MONDAY. 

I am writing to formally submit a complaint against Equifax information Services LLC, for failing to correct and block fraudulent and inaccurate credit reporting. Also, due to their failures to properly to investigate and correct information on my credit report despite repeated disputes. Over a extended period I had discovered numerous unauthorized, credit inquiries, Pre-qualified accounts, and accounts with incorrect dates, misspelled names, employer information Including an employer I never authorized or added to my credit file.

There are accounts I never opened, some accounts are name duplicates, and others are placed incorrectly. I have repeatedly disputed these false and suspicious entities with Equifax, providing documentation and requests for a through investigation.

Despite these efforts the inaccurate and unauthorized data continues to reappear on my credit report without proper reinvestigation or validation, which violates my rights under The Fair Credit Reporting Act ( FCRA ). Equifax has failed to timely block identity theft- related information. After I submitted a police report and Federal Trade commission ( FTC ). 
The continuing false information has caused me significant harm, including potential damage to my creditworthiness, and personal representation. Exquifax response has been inadequate, ignoring their obligations to ensure maximum possible accuracy and failing to protect me from fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-27 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: IL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX Account Number : 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 2025-09-27 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: NC

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 2025-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Request for Immediate Removal I am a victim of the Equifax Data Breach, during which my personal information was compromised. As a result, inaccuracies have appeared on my credit report. The account with the associated name does not belong to me and is not connected to any of my verified accounts. Please remove this fraudulent account immediately. 

Account number : XXXX XXXX XXXX XXXX XXXX Attached is a supporting letter and documents for your review. 
The inaccurate information on my credit report has caused denial of financial opportunities and obligations, resulting in direct damage and harm financially. Under 15 U.S.C. 1681, no false, damaging, or defamatory information should appear on my report. The continued reporting of this account constitutes defamation of character and must be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX. 

To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of the account being reported by XXXX XXXX XXXX on my credit report. This account is unverified. Despite requests, XXXX XXXX XXXX has failed to provide proper validation of this alleged debt as required by law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681g, I demand that you : Conduct a full reinvestigation of the disputed account. 

Provide me with the method of verification used to confirm the accuracy of this account. 

Furnish all documents used in the verification process, including : The original signed contract or credit agreement bearing my signature. 

The original application used to open the account. 

Full account-level documentation, including statements, itemized charges, interest calculations, and any payment history. 

The complete chain of title showing assignment from the original creditor to XXXX XXXX XXXX, including all Bills of Sale or Contracts of Assignment. 

Any Forward Flow Agreement or similar documentation evidencing legal ownership of the account by XXXX XXXX XXXX. 

Failure to Validate : XXXX XXXX XXXX has not produced any of the above documentation to validate ownership, accuracy, or the legal right to report this account. Furnishing information to a credit bureau without validation is a violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty of maximum accuracy ) and deprives me of my rights under the law. 

If XXXX XXXX XXXX can not validate the account, you are required to delete this tradeline from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

A simple electronic data response ( e-OSCAR ) or generic confirmation from the furnisher is not sufficient for verification under the law. 

I also request a complete and detailed explanation of the procedures used to verify this account, including the name and contact information of the individual or entity who verified it. 

If you fail to provide proper verification and documentation, or continue reporting unverifiable information, it will constitute a willful violation of the FCRA, and I will pursue all available remedies under 15 U.S.C. 1681n and 1681o, including damages, attorneys fees, and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Equifax XXXX Experian XXXX TransUnion Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$1800.00} This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy. 
I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results.

3. Provide an updated credit report reflecting the permanent deletion or correction of this account. 
Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Experian Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name. 
The fraudulent accounts that I have identified on my credit report are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under 15 U.S.C. 1681c-2 ( a ), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 
Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 
If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-09-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting XXXX XXXX XXXX Account XXXX To Whom It May Concern : I am filing a formal complaint regarding inaccurate and unverifiable reporting of the following account on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$220.00} Credit Bureau : Equifax XXXX TransUnion This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy.

I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results. 
XXXX. Provide an updated credit report reflecting the permanent deletion or correction of this account. 
Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have a few charges on cash ap I asked them to refund my money but the never do.. i think maybe a couple times but im very shocked when they do Bug they denied me for charges that were not mine. I just want my money back that's it .. simole

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America held a XXXX and a XXXX deposit for review on XX/XX/year>. Both cleared our account at the XXXX XXXX on XX/XX/year>. BOA elected to close the accounts on XX/XX/year>, and written confirmation was received that the accounts closed on XX/XX/year>. As of XX/XX/year>, BOA has not released the remaining deposits that totaled about {$850.00}. The bank indicated today that the accounts ending in XXXX, and XXXX will not close until XX/XX/year> due to a billing dispute that was opened on XX/XX/year>. We have not been privy to account balances or transaction history since XX/XX/year>, and have subsequently been advised that the remaining balance has been reduced to less than XXXX. The deposit in question was a personal check from my own bank. It is our expectation that the full balance be remitted to our mailing address, and any negative reporting to XXXX, etc. cease. The bank finally closed the accounts on XX/XX/year>, but now claim that the remaining XXXX balance is frozen and will not be trusted. The personal check from my own account cleared almost 60 days ago in XX/XX/year>. I am still attempting to determine the final balance and an explanation of the depletion of the almost XXXX that was previously there.

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 monetary relief
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Client sold my information to third party who is charging me debt not owed. My information has been disbursted with out my will or signature. I have not sign a contract with client Mention in my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: WA

Complaint narrative:
There are errors in the personal information listed on my credit report, including addresses that do not belong to me. Enclosed are my supporting documents to verify my correct details, and I am requesting that these wrong addresses be deleted from my report without delay.

Company response to consumer: Closed with non-monetary relief