vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately. 

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX  cashapp XXXX  scam XXXX cashapp XXXX  scam XXXX cashapp XXXX  scam XXXX  cashapp XXXX  scam XXXXI was scammed into making multiple XXXX  purchases using Cash App. A scammer manipulated me into sending large amounts of money through Cash App's XXXX  feature, and I did not realize it was a scam until it was too late. I contacted Cash App and they denied my claim. My bank, XXXX, also said I have to work directly with Cash App now. I'm a first-time XXXX  user and had no idea what I was doing. I was tricked into thinking I was doing something legitimate. I'm requesting that this case be reviewed and reopened, and the funds returned to me as a victim of fraud."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This account was charged off in XXXX, sold to a third-party collector ( XXXX  XXXX XXXX XXXX , and I filed a small claims case against the collector. Despite this, Citibank is still reporting the account as past due and updating it in XXXX, which is illegal re-aging under FCRA 605 ( a ) ( 4 ) and a violation of 1681e ( b ). They never issued a 1099-C and have failed to verify the accounts accuracy. I also checked XXXX, and this tradeline is missing there, further proving inconsistent and unverifiable reporting. 

I have attached a notarized affidavit, FTC report confirmation ( # 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 2025-07-12 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: SC

Complaint narrative:
The consumer reporting agency is in willful and negligent violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. I provided a valid Identity Theft Report, adequate proof of identity, and a formal written request for removal, fully satisfying the legal requirements under federal law. Despite this, the agency failed to block the disputed information within the mandated four-business-day period. This failure constitutes a clear violation of my rights under the FCRA and has resulted in ongoing financial and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. 

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$930.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized hard inquiries appearing on my credit reports with TransUnion, Equifax, and Experian. I did not authorize these inquiries and am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed inquiries are as follows : TransUnion ( as of XX/XX/XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax ( as of XX/XX/XXXX ) : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian ( as of XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not grant permission for these inquiries, nor did I initiate any credit applications with these companies on the stated dates. As such, I am formally requesting that these inquiries be investigated and permanently removed from my credit reports. 

I have attached supporting documentation including a copy of my ID and proof of address to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the deletion of these unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and my report contains multiple accounts and inquiries that I did not authorize. These items are inaccurate and do not belong to me. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit file. Enclosed are a list of the disputed items and a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please investigate this matter promptly and confirm in writing once the fraudulent information has been removed. I appreciate your immediate attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
Since obtaining my credit reports, I came across this account that does not belong to me. I sent Credit Corp Solutions certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am as I have stated in my certified letters and in copies of my CFPB. and FTC report numbers this is not my account. This is a fraudulent account.I am the victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$8100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$4300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I was contacted by phone by Midland Collections regarding an alleged debt owed. I did not recognize the debt they accused me of owing. I requested validation of the debt by sent to my address on file with their company. I never received any validation of the debt. I also requested any future communications be through the mail, but they continued to call my phone accusing me of owing them money. They threatened to sue me in court if I did not pay the debt immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : False Collections Account Reported by TransUnion XXXX XXXX XXXX {$280.00} Complaint : I recently discovered a collections account on my TransUnion credit report for a collections agency named XXXX XXXXXXXX XXXX in the amount of {$280.00}. The collection account is dated XX/XX/year>. 

I am filing this complaint because this debt is not mine and its reporting has caused significant and unjustified damage to my credit score. 

Additionally, I want to note that this account appears suspiciously identical in amount and nature to a previous debt that the CFPB recently investigated and had removed from my credit report under Complaint ID : * * XXXX * *. The similarity raises further concerns that this is either a duplicate entry or an attempt to re-report the same invalid debt under a different account, which may constitute re-aging or abusive reporting practices. 

There are several reasons why this account is inaccurate and should not appear on my credit report : XXXX. I have no knowledge of this account or any outstanding debt with XXXX XXXX XXXX XXXX. I have never received any written notice or communication from XXXX XXXX XXXX or XXXX regarding this debtby mail, phone, or email. 

XXXX. I believe this may be a case of erroneous reporting or identity error, and there is no supporting documentation or validation of this alleged debt. 

XXXX. I submitted a dispute through XXXX XXXX, but I am now filing this formal complaint due to the seriousness of the issue and the malpractice involved in reporting unverified debt. 

This false entry has caused significant harm to my credit standing, potentially impacting my ability to obtain credit or fair lending terms. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to : - Require TransUnion to provide proper validation of this debt, or - Immediately remove this account from my credit report if it can not be verified as accurate and legally owed. 

I appreciate your attention to this issue and request timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/XXXXXXXX  To Whom It May Concern, This letter serves as formal notice regarding a XXXX XXXX account ( Account No. ending in XXXX ) that continues to appear on my Experian credit report as of XX/XX/XXXX, showing a charge-off balance of {$2600.00}. 

I have disputed this account multiple times and submitted a valid FTC Identity Theft Report, police report, and supporting documentation under FCRA 1681c-2, requesting the account be blocked and permanently deleted.

Despite this, Experian closed the dispute on XX/XX/XXXX, marking the account as verifiedyet failed to provide any documentation in response to my Method of Verification ( MOV ) request, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). XXXX XXXX also failed to provide any signed contract, original application, or any form of documentation linking me to the alleged debt. 

This pattern indicates a sham investigation and violates the following federal laws : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification FCRA 1681c-2 ( a ) Failure to block identity theft accounts after documentation FCRA 1681e ( b ) Failure to maintain maximum possible accuracy Furthermore, XXXX  XXXX acknowledged on XX/XX/XXXX, in a CFPB complaint response, that I may be a victim of identity theft, yet continued to furnish derogatory information. Experian verified the account that same day, creating a clear contradiction. 

This account is still : Reporting a {$2600.00} charge-off balance Showing late payments and derogatory history from XXXX to XXXX Scheduled to remain until XX/XX/XXXX, despite being disputed under FCRA 1681c-2 These actions also violate Metro 2 guidelines, as the account should have been coded with Compliance Condition Code X ( consumer claims fraud ), and all balance reporting should have ceased. 

Please be advised : A lawsuit has already been filed in XXXX XXXX XXXX XXXX XXXX. I am currently awaiting a scheduled court date to pursue statutory damages under the Fair Credit Reporting Act for willful and negligent violations. This pending legal action involves both Experian and XXXX XXXX. 

If this account is not removed immediately, I will proceed with : 1. The pending small claims court lawsuit 2. Updated complaints with the CFPB, FTC, and the Texas Attorney General 3. Full pursuit of all available civil damages under the FCRA Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief