vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against DEPT OF ED or NELNET for their continued failure to address this matter appropriately. 

Account in Question : Creditor : DEPT OF ED or NELNET Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : : {$4800.00} {$2300.00} ; {$3200.00} ; {$2300.00}. 
I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with DEPT OF ED or NELNET, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I told them that the account wasnt mines and to send me a debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-14 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-14 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-14 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
Im a small business owner who used Square to process two lawful transactions totaling {$3100.00}. Without prior notice, Square deactivated my account and is now holding my funds for 90 days, citing a vague violation of terms of service but refusing to specify what that violation was or provide any documentation.

These were standard, legitimate transactions for handmade goods. I have contacted Square multiple times to resolve this and have provided all requested information, but I have received only canned responses and no real support. There is no appeals process, no direct contact with a case manager, and no timeline for meaningful resolution.

This has caused significant financial hardship for me as a small business operator. I rely on timely access to these funds to support my work and meet my obligations.

I am filing this complaint in the hope of recovering my funds and calling attention to Squares opaque and unilateral practices, which leave small business owners financially vulnerable and without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
On XXXX I sent out validation of debt FDCPA U.S 15 Code 1692g and Cease and Desist FDCPA U.S 15 Code 1692c. Both letters were mailed certified on XXXX and were hand delivered to the company on XXXX. The company receiving both documents, violated FDCPA the cease and desist order by emailing me on XXXX to the attached documents provided in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXXXXXX 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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: NY

Complaint narrative:
A COLLECTION ACCOUNT WAS REPORTED TO THE CREDIT BUREAUS BY [ REVCO SOLUTIONS INC ], CAUSING A SIGNIFICANT NEGATIVE IMPACT ON MY CREDIT SCORE. 

I AM FILING A FORMAL DISPUTE REGARDING A COLLECTION ACCOUNT BEING REPORTED ON MY CREDIT PROFILE. THE INFORMATION BEING REPORTED IS INACCURATE AND INCONSISTENT, AND I AM REQUESTING IMMEDIATE INVESTIGATION AND REMOVAL OF THIS ACCOUNT. 

THE ACCOUNT IN QUESTION IS BEING REPORTED BY A THIRD-PARTY COLLECTION AGENCY. HOWEVER, THE DETAILS CONTAIN DISCREPANCIES THAT DO NOT ALIGN WITH ANY VALID DEBT I OWE. UNDER FEDERAL LAW, YOU ARE REQUIRED TO MAINTAIN ACCURATE AND VERIFIABLE INFORMATION. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) - 15 U.S. CODE 1681i ( A ) ( 1 ) ( A ) : IF THE COMPLETENESS OR ACCURACY OF ANY ITEM OF INFORMATION CONTAINED IN A CONSUMERS FILE AT A CONSUMER REPORTING AGENCY IS DISPUTED BY THE CONSUMER AND THE CONSUMER NOTIFIES THE AGENCY... THE AGENCY SHALL... CONDUCT A REASONABLE REINVESTIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION IS INACCURATE AND RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM. 

UNDER 15 U.S. CODE 1692G ( FDCPA ), A DEBT COLLECTOR MUST PROVIDE VALIDATION OF DEBT UPON REQUEST. FAILURE TO DO SO IS A VIOLATION OF FEDERAL LAW.

FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S. CODE 1681S-2 ( A ) " 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. '' FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) 15 U.S. CODE 1692E ( 8 ) A DEBT COLLECTOR MAY NOT COMMUNICATE TO ANY PERSON CREDIT INFORMATION WHICH IS KNOWN OR WHICH SHOULD BE KNOWN TO BE FALSE, INCLUDING THE FAILURE TO COMMUNICATE THAT A DISPUTED DEBT IS DISPUTED.

IN ADDITION, UNDER 15 U.S. CODE 1681S-2, A FURNISHER OF INFORMATION HAS A DUTY TO REPORT ACCURATE INFORMATION AND TO PROMPTLY CORRECT ANY ERRORS. I HAVE IDENTIFIED INCONSISTENCIES IN THIS ACCOUNT, INCLUDING INCORRECT BALANCE, DATES, OR MISREPRESENTATION OF STATUS, WHICH WARRANT IMMEDIATE REMOVAL. 

FAILURE TO REMOVE THIS ACCOUNT, OR FAILURE TO PROVIDE ADEQUATE VERIFICATION, WILL RESULT IN ADDITIONAL COMPLAINTS FILED WITH THE FTC, STATE ATTORNEY GENERAL, AND CONSIDERATION OF LEGAL ACTION UNDER THE FCRA AND FDCPA FOR DAMAGES. 

A COLLECTION ACCOUNT WAS REPORTED TO THE CREDIT BUREAUS BY [ REVCO SOLUTIONS INC ], CAUSING A SIGNIFICANT NEGATIVE IMPACT ON MY CREDIT SCORE.

THIS DEBT HAS ALREADY BEEN PAID OR WAS NEVER VALID TO BEGIN WITH.

THE COMPANY FAILED TO VALIDATE THE DEBT OR PROPERLY COMMUNICATE THAT IT WAS DISPUTED.

I WAS NOT PROVIDED PROPER NOTIFICATION, AND NO VERIFICATION DOCUMENTS WERE SHARED PRIOR TO OR AFTER THE REPORTING. 

THE REPORTING OF THIS DEBT WAS NOT ONLY ERRONEOUS BUT DAMAGING TO MY CREDIT STANDING, JOB OPPORTUNITIES, AND GENERAL FINANCIAL WELL-BEING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: SinglePoint GI
State: TX

Complaint narrative:
I am reporting a {$3000.00} collection account from XXXX XXXX XXXX that suddenly appeared on my TransUnion credit report, allegedly opened on XX/XX/year>. I do not recognize this account, never authorized it, and have never received validation or notification of this debt. This violates my rights under FCRA 1681e ( b ) and FDCPA 809 ( b ). XXXX  has already been contacted and is unable to process another dispute simultaneously. I am requesting full deletion of this inaccurate and unverified account. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
I am a crypto.com user and have the XXXX XXXX crypto.com XXXX XXXX as well. In the past ten days. They have not applied refunds to me and told me they were applied when they were not. They owe me a total of {$490.00} and have been no help and refuse to credit my account. 


On XX/XX/XXXX, I made a booking with my crypto.com XXXXXXXX XXXX ending in XXXX for {$490.00} on XXXX ( see attached charge proof for crypto.com and rover confirmation of charge and confirmation of refund ) the charge in crypto.com app on the transactions list for the XXXX card was made and said pending and the {$490.00} was instantly deducted from my card balance. The charge was canceled an hour later as the booking was canceled. XXXX confirmed a refund. Mysteriously, the charge is no longer in card transaction history after canceling on crypto.com. They send an email every time a card purchase is made and even if the charge is on pending, funds are deducted from the card. This charge was canceled the same day But crypto.com never returned the {$490.00} to my balance and the transaction disappeared from charges. I have asked on chat support every day for help. They tell me nothing or tell me the same thing, that when the charge fell off the funds were automatically reapplied. They were not ever. And I sent them proof it was taken out and then the charge canceled and disappeared but money never added back. Ive read countless stories online about this happening with them as well. If you cancel and charge or are refunded something they dont apply it. They claim the merchant held the funds another time. And thats not true. See attached. Crypto.com has not provided any proof and not even helped. They never gave me my money back and never credited me and probably stole it. {$490.00} didnt just disappear. They never provided proof it went back to my card balance because Id did not. The merchant reversed the charge. It fell off the crypto.com transaction history when canceled but crypto.com NEVER RETURNED THE FUNDS TO MY BALANCE XXXX refunded the charge immediately. But where is my {$490.00}. Crypto.com support claimed that the charge fell off and nothing was charged but they emailed me that I was charged when the transaction was made. And I have proof it was taken from my balance. Then when the charge mysteriously fell off the history since it was canceled the same day after the funds were taken .. never received the money back. They have been no help. Mixed responses and I am distraught over not being returned my money by them. I know if I get a refund for something they have no idea about it and give me the run around every time and Im out the money. This is a large amount to be missing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
I got divorce from my ex wife in 2015 and she changed the locks to the door and I contacted the police and she was to put back the locks on but she didn't so we go to court and I decided to leave and offer to pay my half of the mortgage but she didn't pay her half so the house go into for closer and it is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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