vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
To Whom It May Concern : This letter is a final demand. I submitted a formal dispute through the CFPB Complaint Portal on XX/XX/year>, identifying serious inaccuracies on my Equifax consumer report. Your response failed to comply with federal law and further supports my intent to pursue legal action. 

You replied with generic language stating the accounts were " verified '' and updated based on information received from the furnishers. You also explained that Equifax merely transmitted my dispute electronically and relied on whatever information the furnishers returned. 

This response clearly violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, including : 1681i ( a ) ( 1 ) ( A ) : You failed to conduct a reasonable reinvestigation of the disputed information.

1681i ( a ) ( 6 ) ( B ) ( iii ) : You failed to provide a detailed description of the procedures used to verify the disputed accounts.

1681i ( a ) ( 5 ) : You continued reporting unverifiable data rather than deleting it.

1681e ( b ) : You failed to ensure maximum possible accuracy in the reporting of my personal and account information. 

The accounts that remain inaccurately reported on my credit file are : XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX You also continue to report incorrect personal information despite prior disputes, including : Outdated or unverifiable addresses Employers that are not current or verified A fraud alert that was never requested by me Any name other than XXXX XXXX XXXX The law is clear : if an item can not be verified, it must be deleted. Yet your response failed to identify who verified these accounts, what records they used, or how Equifax determined the information was accurate. 

As a result of your ongoing failure to correct these violations, I have suffered tangible harm, including denial of credit, which is documented by the enclosed credit denial letter citing Equifax reporting as the reason. 

Unless you : Remove the above accounts, Correct all personal information ( keeping only my legal name and current address ), Provide documentation of the procedures and sources used to verify these items, within fifteen ( 15 ) days of receipt of this letter, I will proceed with filing a lawsuit in the U.S. District Court for the XXXX XXXX XXXX New York, seeking the following under FCRA 1681n and 1681o : {$1000.00} per violation Actual damages for credit denial and emotional distress Punitive damages for willful noncompliance Attorneys fees and court costs This letter is being sent with full documentation including my drivers license, Social Security card, utility bill, and the denial letter. It will also be retained as part of my court record. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: E MORTGAGE MANAGEMENT, LLC
State: FL

Complaint narrative:
I am reaching out against the unlawful violations to florida state, federal, contract, consumer, trust and UCC law regarding the fraudulent lien against my real estate property. They have failed to validate the debt and refused to providing documents according to state, federal, contract, consumer, trust and UCC law. See attachment for full text...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-22 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX 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 XXXXXXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I am writing to formally dispute the validity and reporting of the collection account ( s ) listed below which you claim originated from : XXXX XXXX XXXX XXXX $ XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This acount ( s ) appear on my credit report and is negatively impacting my creditworthiness. I demand that your agency immediately cease all reporting of this account ( s ) to any and all credit reporting agencies (XX/XX/XXXX, EQUIFAX, AND XX/XX/XXXX. This letter is not an acknowledgement of liability for the alleged debt. Under the Fair Debt Collection Practices Act ( 15 U.S.C 1681i ), I am ecercising my rights to request : 1.Proper validation of the alleged debt : including a signed agreement bearing my signature, a detailed payment history, and any records showing this debt is legally mine.

2. Immediate deletion of the account ( s ) from my credit report if you are unable to produce such documentation within the legal timeframe.

3. Cease and desist all communication except to confirm the deletion of this account ( s ) or provide the requested validation.

Please be advised that continued reporting of unverifiable or inaccurate information to any credit reporting agency is a violation of federal law. If this matter is not resolved within 30 days, I will pursue all available remedies under state and federal law.

This letter is sent in good faith and is intended to resolve the issue quickly and lawfully. Please respond to this demand in writing within 30 days.

Equifax is reporting inaccurate and fradulent accounts to my credit report. i have asked for these accounts to be removed from my credit report but nothing has been done. ive asked for verification of these accounts with my signature and the original agreement with my signature. i have not received neither.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: UPGRADE, INC.
State: GA

Complaint narrative:
Subject : URGENT Dispute Regarding Social Security Data Breach Dear CFPB / Credit Bureau, I am writing to formally dispute the unauthorized exposure of my personal data due to the XX/XX/year> Social Security breach, which has compromised sensitive information, including Social Security numbers, financial records, and personal identifiers. This breach represents an egregious violation of multiple consumer protection laws. 



Account Name : UPGRADE INC Account XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Company Complained About : Experian P.O. XXXX XXXX XXXX, TX XXXX Account in Question : XXXX Account Number : XXXX Experian Report Number : XXXX Date Generated : XX/XX/XXXX Complaint Details : I am filing this complaint because Experian has failed to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), specifically violating 15 U.S.C. 1681i. On XX/XX/XXXX, Experian marked my dispute regarding the XXXX account as Verified and Updated, despite the fact that no changes were made to the account whatsoever.

I have attached screenshots of the account information before and after the dispute, which show the exact same information. The account still reports as : Charged Off with {$57.00} written off Payment history showing the same delinquencies from XXXX through XXXX No updated balance or payment activity No evidence of any reinvestigation There is no indication that Experian contacted the furnisher of the information or reviewed any documentation. They failed to provide the method of verification or any supporting evidence. The response I received is a form letter stating the information was verified as accurate, but the data they provided clearly shows that no actual review or update occurred. 

This is a violation of my rights under the FCRA, which requires Experian to conduct a reasonable reinvestigation and remove or correct inaccurate or unverified information. Instead, Experian has perpetuated the reporting of data that appears unverifiable and potentially inaccurate.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CO

Complaint narrative:
I opened an account, and deposited funds directly from my bank. I made several trades ( crypto-currency, like BitCoin ). This was all very easy. 

When I went to transfer the funds\crypto out, I get a message saying they could not do it.

I have since written them, almost every day. They send stock replies, requesting information. I have complied to EVERY one of them. Then I never hear back. So I file another customer support ticket, requesting the release of my funds. Some times I hear nothing, other time I get another request to submit more images of myself and my ID. I comply again, and again.

There is NO phone number to be able to talk to a human.

Filing a request for support or a custom service complaint only gets stock email replies.

This has now been going on for more than 20 days.

I just want my money back, then I will go find another currency exchange to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, Cash App froze a {$1000.00} domestic payment I received, citing sanctions risk because the word Cuba was used in the note. The word was simply a nickname. The transaction was entirely within the U.S., and legal.

I responded within 10 minutes of their inquiry with : A written explanation A car rental reservation Confirmation of a legal domestic transaction Despite full compliance, Cash App is still holding the funds and each time I call customer support they hang up the call.

This is an abusive delay with no legal basis. It has disrupted my business and caused financial harm. I request urgent CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I was told my interest on loan would be 20 something percent. Then looking at payments for past 3 years and less than half of my payment is going to principal and over half to interestpredatory loan where I was 100 % taken advantage of and this place should be shut down for doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-22 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : 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 2025-05-22 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: TX

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation