vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and related information as they appear on my Equifax credit report. I request a full investigation into these accounts to ensure they are reported accurately. 

Charged-Off Accounts XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} Inquiries : I am disputing the following inquiries on my Equifax credit report, as they may not have been authorized or may be incorrectly listed. 

XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NV

Complaint narrative:
I am filing this complaint because several items reported by the credit bureaus appear to be inaccurate, unverifiable, duplicated, or outdated, despite my attempts to address these issues directly with the credit reporting agencies. I am requesting assistance from the CFPB to ensure these accounts and inquiries are properly investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts Experian is not reporting any charged-off accounts for this dispute. 

Hard Inquiries I dispute the accuracy and validity of the following inquiries listed by Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following late payment entries are incorrect or can not be verified : 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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
My name is XXXX XXXX and I am an older adult protected under federal senior safeguards. Portfolio Recovery has never contacted me or shown me anything that proves I gave permission for them to possess or report my personal information. I did not authorize this company to handle anything that belongs to me. I was not informed before they placed this on my credit. Senior consumers are protected from unfair or unauthorized collection practices under federal law and this situation fits that concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
I am writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$26000.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments : 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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
This company has been falsely reporting a debt to all 3 credit bureaus for years, & attempting to collect a debt that they have not legally verified. Be advised : The FTC has clarified that printouts, screenshots, or generic account summaries DO NOT constitute valid documentation or verification. Failure to supply authentic, original documentation is a federal violation. This company has either ignored my certified mail attempts to verify this debt, or sent me illegal documents. They have also falsely sent these documents to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain items listed on my credit reports across the XXXX XXXX  credit bureaus : Experian, The following accounts and inquiries listed below contain discrepancies and inaccuracies, and I request that they be thoroughly investigated and corrected. 

Disputed Inquiries XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX Disputed Late Payments Experian ( EX ) : XXXX  XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX 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 explanation
Consumer complaint received 2025-11-27 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:
I am submitting this complaint regarding several items on my credit report that I believe are inaccurately reported. Please find the details below, separated by each credit bureau. 

Experian ( EX ) Inquiries : XXXX, XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> XXXX BANK XXXX, XX/XX/year> Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX and this is regarding my account with you. I am filing this complaint regarding Cash Apps failure to address a serious and ongoing security issue involving my account, $ ibreatheluv, which was hacked in XX/XX/XXXX. Since the breach, Cash App has been unable or unwilling to restore my access, investigate the unauthorized activity, or provide adequate customer support. 
When my account was compromised, I immediately warned my social media followers not to send any money to that account, and I have attached screenshots of these warnings. I have also included screenshots showing the hackers email address in the notification I received after my account information was changed without my authorization. 
Since contacting Cash App support on XX/XX/XXXX, I still have no access to my account. Customer service has been consistently below acceptable standards. Representatives fail to keep notes, forcing me to repeat the same details with every new responsewhether through email or XXXX. At XXXX point, a representative even told me that Cash App could do nothing about my inability to access my own account after a hacker changed the information, which is unacceptable for a regulated financial service. 
Because I can not log in, I am also unable to see what funds were used, transferred, or withdrawn during the hacking period. I can not verify the full extent of unauthorized transactions or whether the hacker accessed any additional linked accounts. Cash App has not provided statements or activity logs, and without access, I can not confirm anything independently. This poses an ongoing risk to my financial security and identity safety. 
Cash Apps refusal to restore access or refund my balance is unjustified. There is nothing in Cash Apps Terms and Conditions that allows them to deny a victim of hacking without providing investigation results, account statements, or recovery options. 
I am requesting the CFPBs assistance in requiring Cash App to do XXXX of the following : Restore my access to my account, OR Refund the funds associated with the compromised account to a secure account in my name.

If Cash App does not comply with one of these options, I will be pursuing additional remedies under Federal Regulation E, which requires financial service providers to investigate unauthorized electronic transfers. This investigation would also determine whether other linked accounts or payment methods were compromised during the breach. 
Cash App must be held accountable for failing to provide proper dispute resolution, neglecting its duty to investigate unauthorized activity, and ignoring repeated requests for help after a clear case of account takeover. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am requesting an investigation into the following accounts and inquiries on my Experian credit report. Please verify the accuracy of the listed items and provide confirmation of their correctness. 

Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-27 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: CA

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding.

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-27 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: CA

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding.

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-27 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: Experian Information Solutions 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 ONE 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 explanation
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
Transunion is not responding to identity theft that was put on my credit report. They send me a letter that will be attach to this complaint, I have several inquiries that was not authorize by me and or is associate with any account on my credit report. XX/XX/XXXX Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also inquiries on date XX/XX/XXXX from XXXX, XXXX, XXXX XXXX, XXXX XXXX. Fraudulent activities was made under auto loan from XXXX XXXX XXXX  on XX/XX/XXXX. From previous reports the car i owed was never deleted off my credit report XXXX. Furthermore XXXX AND XXXX was never deleted from my account from previous report i sent to cfpb. Collection was made on XX/XX/XXXX that was not authorize by me on transunion report. EQUIFAX reporting wrong name on my credit report XXXX  XXXX XXXX. Also equifax reporting wrong address associated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX reporting PAID IN FULL LOAN XXXX XXXX XXXX Closed accounts that are not associated and or is authorize by me XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES not associated and or is not authorize by me is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX not associated with and or is authorized by me is XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
Transunion is not responding to identity theft that was put on my credit report. They send me a letter that will be attach to this complaint, I have several inquiries that was not authorize by me and or is associate with any account on my credit report. XX/XX/XXXX Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also inquiries on date XX/XX/XXXX from XXXX, XXXX, XXXX XXXX, XXXX XXXX. Fraudulent activities was made under auto loan from XXXX XXXX XXXX  on XX/XX/XXXX. From previous reports the car i owed was never deleted off my credit report XXXX. Furthermore XXXX AND XXXX was never deleted from my account from previous report i sent to cfpb. Collection was made on XX/XX/XXXX that was not authorize by me on transunion report. EQUIFAX reporting wrong name on my credit report XXXX  XXXX XXXX. Also equifax reporting wrong address associated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX reporting PAID IN FULL LOAN XXXX XXXX XXXX Closed accounts that are not associated and or is authorize by me XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES not associated and or is not authorize by me is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX not associated with and or is authorized by me is 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 2025-11-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reviewed my credit report from Equifax and found discrepancies regarding charged-off accounts and late payments. I request that Equifax thoroughly investigate these items and update my credit report accordingly. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off : ( No charged-off accounts listed for EQ in the provided details ) Inquiries : XXXX, Date : XX/XX/year> Late Payments : XXXX XXXX XXXX XXXX Account No : XXXX

Company response to consumer: Closed with non-monetary relief