vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: WA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I initiated a formal dispute with Equifax through the CFPB portal under XXXX XXXX XXXX. This action was taken to address multiple fraudulent entries on my Equifax credit report that are the direct result of identity theft. My submission was comprehensive and included an official FTC Identity Theft Report ( Report XXXX : XXXX ), a copy of my government-issued driver 's license, and a recent utility bill as proof of address. This documentation serves as legally sufficient evidence of my identity and the fraudulent nature of the disputed items. 

Despite receiving this complete and actionable documentation, Equifax has failed to fulfill its explicit legal duties under federal law. The violations are as follows : XXXX. Direct Violation of FCRA 1681c-2 ( Block of Information Resulting from Identity Theft ) : The Fair Credit Reporting Act is unequivocal. Upon receiving a valid identity theft report, a credit reporting agency is mandated to block the reporting of any information identified by the consumer as fraudulent within XXXX business days. Equifax has exceeded this statutory deadline without removing the fraudulent collection account from XXXX XXXX XXXX XXXX and XXXX unauthorized hard inquiries from XXXX XXXX. This failure is not a procedural delay ; it is a clear violation of federal law. 
XXXX. Failure to Conduct a Reasonable Reinvestigation under FCRA 1681i : While Equifax noted its response was " in progress '' as of XX/XX/year>, the lack of substantive action or a corrected credit report demonstrates a failure to conduct the " reasonable reinvestigation '' required by the FCRA. Given the provision of an FTC Identity Theft Report, the standard for a reasonable investigation is elevated, and a simple acknowledgment is insufficient. 
XXXX. Perpetuation of Inaccurate Reporting in Violation of FCRA 1681e ( b ) : By continuing to report information that it knows, or should know, is inaccurate and fraudulent, Equifax is failing in its duty to " follow reasonable procedures to assure maximum possible accuracy. '' The hard inquiries from XXXX XXXX, dated XX/XX/year>, and XX/XX/year>, were obtained without a permissible purpose and must be deleted. 

Equifax 's inaction constitutes willful non-compliance with its obligations under the FCRA. This continued publication of false information is actively damaging my creditworthiness, causing me ongoing financial and personal injury, and exposing me to further risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I have sent multiple rounds of methods of verifications to the creditors and nothing has been sent back to me regarding the accounts not proven to be mine

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 2025-08-26 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: TN

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
These accounts were fraudulently created in my name. I ask that you remove them within 15 days as required by USC 1681g. Relevant documentation is attached.

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 2025-08-26 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MS

Complaint narrative:
My account with Discover is reporting late payments during the COVID relief period. Specifically : several 3060 day lates in early XXXX. Under the CARES Act, Section 4021 ( March 2020 September 2021 ), if a consumer is provided an accommodation, the creditor must report the account as current. Despite this protection, my account was reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
I am writing to formally notify you that I will be pursuing legal action against you for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692d ( 5 ), which prohibits the use of any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

I have instructed your company to contact me only via US Mail but you continue to send emails which are causing stress and discomfort to an already stressful situation. your company has sent over XXXX emails to my personal email address. 

I have made several request for a full and complete validation of this alleged debt but you have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.
As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.
As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
This is related to complaint XXXX, which you closed before I could respond to the company. Please refer to that complaint for background on this issue and contact information for Shellpoint Mortgage. So I'm filing another complaint to dispute the company 's response. THE COMPANY HAD EVERYTHING THEY REQUESTED LONG BEFORE THE FORECLOSURE SALE : The HVAC had been repaired BEFORE the claim money was even sent to the crooks at Shellpoint ; however, they used this request as an excuse to delay payment until after the auction so they could say we didn't provide them with information. They are frauds. We sent them the HVAC estimate on XX/XX/XXXX ( DAY OF AUCTION ) because that was the FIRST DAY that XXXX XXXX XXXXXXXX '' ( XXXX XXXX ) at Shellpoint asked for it. What was he doing since the claim check arrived to them on XX/XX/year>? He was putting the flooring contractor and me through the ringer asking for XXXX and then taking forever to answer us and then he reviewed the account ON THE DAY OF THE AUCTION??????? I have attached an email chain consisting of XXXX emails where my insurance agency, the property manager, and I were trying to get these morons ( Shellpoint ) what they asked for at the last minute, even though it was completely irrelevant to the remaining payment. That chain includes the discussion of the HVAC people and also the estimate itself. READ IT. The property manager sent him everything he needed on XX/XX/XXXX and I have uploaded the INSURANCE PORTAL PAGE THAT SHOWS IT WAS ACCEPTED ON XX/XX/XXXX ; HOWEVER, THAT WORK WAS COMPLETED ON XX/XX/XXXX!!!!!!!!!!! and paid for through the income from the cabin before the insurance claim check was even issued! It had NOTHING TO DO WITH THE MONEY I AND THE FLOORING CONTRACTOR ARE OWED. And these crooks are using that as an excuse to keep this money? WHERE IS THIS MONEY? WHO HAS IT? IF IT IS IN POSSESSION OF THE BANK THAT TOOK OVER THE HOUSE, IT IS NOT THEIRS TO KEEP AND I WANT THEIR CONTACT INFORMATION AND I WILL FILE ANOTHER COMPLAINT ABOUT THEM. The FULL CONDITIONAL WAIVER OF LIEN FROM THE FLOORING CONTRACTOR - who was the only contractor remaining to be paid - WAS UPLOADED TO THE INSURANCE PORTAL AND ACCEPTED ON XXXX ; and the W-9 was UPLOADED TO THE INSURANCE PORTAL AND ACCEPTED on XXXX ( that was the third try because some things were filled out incorrectly ). The Flooring Contractor 's WOL was CONDITIONAL - he IS STILL OWED another {$2300.00}. The HVAC people were not even in the picture at this point. So now you're saying that the people who WERE paid held up payment to the contractor who WASN'T paid and some bank somewhere gets to keep over {$7000.00}? You people make me sick.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: VA

Complaint narrative:
I went to an ATM. Ive tried to pull out {$100.00} out of my cash app account which was in the account. I have the proof on all of my statements so I called to dispute it because I did not get the XXXX XXXX  out of the ATM cash app finally XXXX XXXX  later refunded my {$100.00} and then a month later they took the XXXX XXXX  back out and said now they are not going to approve This transaction but it was my XXXX dollars that I didnt get out of my account so I shouldve gotten my money and been able to keep my money. There was no reason for them to take the money back because I never got it in the first place. It was my money that I put in the account that I was taking back out. I want my {$100.00}. Theres no reason for him to take that for me. Ive been using this account for I dont know how long Ive never had any issues until now whether the ATM was out of money or not thats something they need to take up with the ATM people not me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kikoff Inc.
State: IN

Complaint narrative:
Information was changed in XXXX of XXXX, by XX/XX/year> old information was re-reported without discharge information causing a severe drop in score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
I am writing to file a formal complaint with the CFPB concerning significant inaccuracies and erroneous personal information appearing on my credit reports from Equifax, Experian, and TransUnion. Despite my best efforts to maintain accurate financial records, my reports contain numerous items that are not mine and are negatively impacting my financial standing. 

The following is a detailed list of the inaccurate information I am requesting be investigated and removed immediately : Inaccurate Aliases : My credit report lists the fictitious alias " XXXX XXXX, '' which is not and has never been my name. This unauthorized alias is a clear error that should be removed without delay. 

Erroneous Addresses : The address " XXXX XXXX XXXX XXXX IN XXXX '' is listed on my report. I have no affiliation with this address, and its presence is a severe inaccuracy. All fraudulent addresses must be removed. 

Unauthorized Hard Inquiries : I have identified hard inquiries from " XXXX XXXX '' and XXXX XXXX XXXX XXXX that I did not authorize. These inquiries are unauthorized and are damaging my credit profile. I am requesting that these unauthorized inquiries be removed immediately. 

Falsified Employment Data : My credit report incorrectly lists " XXXX XXXX '' as a past employer. I have never been employed by this company. This false employment information must be corrected and removed from my report. 

The presence of these XXXX inaccurate entries, including incorrect personal details, hard inquiries, and employment history, is in direct violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. These inaccuracies are causing me significant financial harm and are a source of great stress. 

I am requesting that the CFPB investigate this matter thoroughly and use its authority to compel the credit reporting bureaus to conduct a full and complete re-investigation and correct my file. I ask that all inaccurate information, as detailed above, be permanently deleted from my credit reports.

Company response to consumer: Closed with explanation