vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/year> Subject : XXXX : XXXX XXXX : XXXX To Whom It May Concern : I am writing to formally dispute and demand immediate removal of a fraudulent auto loan account that appears on my Equifax credit report. The account in question was opened without my knowledge or authorization, and I have never applied for or agreed to such a loan. 
This is a clear case of identity theft and must be treated as such under both federal and Georgia state law. 

Details of the Unauthorized Account : Creditor Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX Under O.C.G.A. 16-9-121 ( Georgia Identity Theft Statute ), using another individuals personal identifying information to obtain credit is a felony. 
Pursuant to O.C.G.A. 16-9-127, any credit reporting agency that continues to report a fraudulent account after notice may be liable for civil damages.

I am also invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit bureaus investigate and correct disputed information within 30 days of receiving a dispute.

Additionally, reporting inaccurate or unverified data after being notified is a violation of FCRA 1681e ( b ), and I will hold Equifax legally accountable if this is not resolved immediately.

DEMANDS : Immediate deletion of the fraudulent auto loan account from my Equifax credit file.

Written confirmation of removal and results of your investigation within 30 days, as required by law.

Suppression of re-reporting of this account by any third-party furnishers unless full legal proof of my consent is provided.

All records related to your investigation, including communications with the original creditor.

If you fail to investigate or remove this fraudulent account, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General, and the Federal Trade Commission ( FTC ). I will also pursue legal action for damages resulting from your continued publication of false and defamatory credit data in violation of both state and federal law.

I demand that Equifax comply fully and respond in writing within 30 days from the date you receive this notice. This matter is urgent and legally actionable. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
Formal Demand for Deletion of Fraudulent Accounts Resulting from TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX, PA XXXX RE : Formal Demand for Deletion of Fraudulent Accounts Resulting from TransUnion Data Breach To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and the TransUnion data breach. The following accounts and inquiries currently appearing on my credit file are the direct result of said breach. 

Despite providing you with all necessary police reports and identity theft affidavits, these fraudulent accounts remain on my file, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Fraudulent Accounts Account Name Account Number Balance Monthly Payment XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$360.00} - XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$360.00} - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} Unauthorized Phone Numbers Associated XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Unauthorized Credit Inquiries Creditor Name Date Requested XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Per FCRA 605B and FACTA 112, once a consumer provides a valid Identity Theft Report, a credit reporting agency must block and remove all information resulting from the theft within XXXX business days. Failure to do so constitutes willful noncompliance under FCRA 616, making TransUnion liable for actual, statutory, and punitive damages, as well as attorney fees. 

I hereby demand that TransUnion immediately and permanently delete all the above-listed fraudulent accounts, phone numbers, and inquiries from my credit file. 

If these items are not removed within XXXX ( XXXX ) business days from receipt of this letter, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will pursue all available legal remedies.Please send written confirmation of the deletions to my mailing address or email listed above. 
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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi bank took an unauthorized amount of money from my personal bank account ( in which I am the sole owner of ) to pay on someone else 's Home Depot credit card outstanding debt with their collections department. This was unauthorized and my account is not tied to this person whatsoever. Citi Bank refuses to assist or return my money after talking to several representatives. Their only advice was to file a dispute with my bank and change my bank account number, which I should not have to do and will not be doing. This person is unrelated, is not an ex spouse and I have no ties to. Citi Bank illegally took money from me to pay on someone else 's debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 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:
On XX/XX/XXXX, I discovered that an account reported by : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. These accounts appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account. After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under theFair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in creditreporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers rightto dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered that an account reported by XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX, appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in credit reporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers right to dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumer rights.

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 2025-10-24 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: OH

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX  Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, OH XXXX Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, OH XXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXXXXXX XXXXDOFED - XXXX XXXX/DOFED - XXXXXXXX XXXXDOFED - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: OH

Complaint narrative:
My credit report is a reflection of my financial status, and I take pride in keeping it up-to-date. As a responsible data furnisher, it is your duty to ensure that my credit profile and report are accurate, authentic, and complete. 
Therefore, I kindly request you to provide me with timely verification of all the information in my credit report. The information in my credit report and below is inaccurate, and it lacks any verification, compliance with reporting laws, or even credibility. Therefore, I am currently working on correcting this oversight permanently. 
The inaccuracies in my report are having a severe negative impact on my quality of life. The data on my credit report is of utmost importance, and it does not reflect my true financial standing due to these inaccuracies. I strongly urge you to remove all inaccuracies immediately and provide me with a new credit report after completing your investigations into the details of my credit records. 

SYNCOM - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage is now powering my mortgage experience with XXXX XXXX. I have no idea what means, and Rocket Mortgage is mentioned nowhere on official letters from XXXX XXXX. I have made an accompanying complaint with XXXX XXXX. 

I put in a request for assistance due to unemployment on XX/XX/XXXX. I received a denial on XX/XX/XXXX. Why did it take so long? I have reached out to XXXX XXXX to see if it was actually their underwriting standards put in effect directly, or if XXXX XXXX Mortgage algorithms also had an influence. Did XXXX XXXX Mortgage interfere with my assistance request in any way by using their own algorithms or models? I have tried to make a new request for assistance online and have not been able to submit the application. I have tried on XXXX different browsers, and have put in support tickets, which only get ignored. If this online option is buggy, it needs to be removed from the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed out of {$400.00} through Cash App after being promised merchandise that I never received. I sent the payment to the merchant based on their claim that they would deliver the product, but after the payment was made, the merchant stopped responding and never provided the item. 

I contacted both the merchant and Cash App to request a refund, but my refund request was denied by both parties. I provided all relevant evidence showing that I did not receive what I paid for. Cash App refused to take action to recover the funds or protect me as a consumer from this fraudulent transaction. 

I am seeking a full refund of the {$400.00} and for Cash App to investigate this merchant for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Im filing this complaint because I still havent received a resolution regarding a {$4300.00} payment that was processed through PayPal using my XXXX XXXX credit card. The payment never reached the intended vendor, yet the charge remains on my credit card. 

I have contacted both PayPal and XXXX XXXX multiple times. XXXX XXXX has stated that PayPal is responsible for the transaction since the payment was routed through PayPal, while PayPal claims its an issue with XXXX XXXX. This back-and-forth has left me without my funds and with no accountability from either company. 

The fact remains that I paid {$4300.00} for a transaction that failed and neither the merchant nor I ever received those funds. Im requesting that PayPal take responsibility for locating or refunding this money. As the payment processor, PayPal should be able to verify where the funds were sent or whether they were ever delivered to the merchant. 

Ive been caught in the middle long enough, and I need this issue resolved immediately. Please review the transaction history and refund the {$4300.00} to my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NC

Complaint narrative:
I am submitting this dispute under my rights granted by the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ), which require credit reporting agencies and data furnishers to ensure the maximum possible accuracy of all reported information and to promptly reinvestigate any disputed entries. 
Upon review of my credit report, I identified multiple instances of inaccurate names and addresses being reported, including : Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX These inaccuracies create confusion regarding my identity and may negatively impact my credit profile. Additionally, an inquiry from XXXX XXXX XXXX XXXX dated XX/XX/year> is included in dispute due to potential reporting errors.

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 2025-10-24 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: NY

Complaint narrative:
I am submitting this third follow-up complaint regarding ongoing inaccuracies related to my XXXX XXXX account, Account XXXX. : XXXX, Date Opened : XX/XX/XXXX, Balance : {$39000.00}. Despite my prior disputes, the account continues to reflect an incorrect late payment for XX/XX/XXXX, reported as Current, was past due XXXX  days. Reporting the account as Current while simultaneously stating it was XXXX  days past due is contradictory and misleading. 
This inaccurate reporting directly violates the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] mandates that consumer reporting agencies ensure maximum possible accuracy in all reporting, and this discrepancy fails that requirement. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], furnishers are prohibited from reporting information they know or should know is inaccurate or misleading. Finally, FCRA 611 [ 15 U.S.C. 1681i ] requires a proper reinvestigation whenever a consumer submits a dispute, which has not been adequately completed in this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
I am submitting this third follow-up complaint regarding ongoing inaccuracies related to my XXXX XXXX account, Account XXXX. : XXXX, Date Opened : XX/XX/XXXX, Balance : {$39000.00}. Despite my prior disputes, the account continues to reflect an incorrect late payment for XX/XX/XXXX, reported as Current, was past due XXXX  days. Reporting the account as Current while simultaneously stating it was XXXX  days past due is contradictory and misleading. 
This inaccurate reporting directly violates the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] mandates that consumer reporting agencies ensure maximum possible accuracy in all reporting, and this discrepancy fails that requirement. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], furnishers are prohibited from reporting information they know or should know is inaccurate or misleading. Finally, FCRA 611 [ 15 U.S.C. 1681i ] requires a proper reinvestigation whenever a consumer submits a dispute, which has not been adequately completed in this case.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Global Trust Management LLC
State: MO

Complaint narrative:
I received a text message at XXXX XXXX from Glibal Trust Management LLC wanting to resolve an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
Lendbuzz Funding LLC has breached its contractual obligations by refusing to pay the arbitration filing fees required under the governing agreement. The contract between the parties clearly provides for binding arbitration as the agreed method of dispute resolution. By failing to comply with this provision and declining to cover the arbitration fees as mandated under both the contract and the applicable rules of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has materially violated its duties of performance and good faith. This refusal not only prevents the proper resolution of the dispute but also constitutes a direct breach of the arbitration clause, thereby entitling the claimant to pursue all available remedies, including damages, sanctions, and enforcement of the arbitration agreement in accordance with federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collections is reporting a collection charge-off that is inaccurate and unverifiable. I have no record of this account and have not received any validation notice. This violates the FCRA and FDCPA requirements for accurate and verifiable data.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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