vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided. 
XXXX XXXX * * * * * * * * * * * * * * BALANCE {$0.00} XXXX XXXX BALANCE {$8600.00} XXXX XXXX XXXX XXXX  * * * * {$65.00} XXXX XXXXXXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX XXXX XXXX To Equifax Disputes Department, I am writing under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to formally request the immediate blocking of the following fraudulent account ( s ) that were opened in my name without my knowledge or consent : Creditor Name : XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX  XXXX {$9600.00} XXXX XXXX  {$0.00} XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX  {$0.00} XXXX XXXX  {$0.00} XXXX XXXX  {$0.00} XXXX XXXX  {$0.00} XXXX XXXX  {$0.00} XXXX XXXX  {$0.00} XXXX XXXX  {$0.00} XXXX XXXX  {$0.00} XXXX XXXX  {$0.00} XXXX This account resulted from identity theft, and I am not responsible for it. Attached Below : A copy of the identity theft report filed with FTC Under FCRA 605B, I am requesting that this account be blocked from my credit report within the required 4 business days. Please notify me in writing when this has been completed. Thank you for your prompt attention. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MS

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MS

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Account NCA # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification. pleas provide certified mail with receipt displaying my signature. if not please delete account nca in amount XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I mailed a certified dispute letter to TransUnion, Experian, and Equifax at their respective addresses. My letter was sent in accordance with the Fair Credit Reporting Act ( FCRA ) and clearly outlined specific inaccuracies and unverifiable items in my credit report. It included : A request to correct my personal identifying information ( name and address ) Disputes of multiple inaccurate or unverifiable accounts A demand to remove all unauthorized or unverified hard inquiries I provided sufficient identifying information, supporting documentation, and cited relevant FCRA provisions including 604, 607, 609, 611, 616, and 617. The letter was sent via certified mail with return receipt to ensure timely and documented delivery.

Despite these legal obligations, none of the credit bureaus responded within the required 30-day time frame under FCRA 611 ( a ) ( 1 ). Nor did they initiate any reinvestigation, provide verification documentation, or issue a corrected credit report. Their silence constitutes a willful and/or negligent violation of their duties under the FCRA.

I have now exhausted all reasonable attempts to resolve this matter directly with the credit reporting agencies. As a result, I am filing this complaint and pursuing additional remedies, including potential legal action, as provided by FCRA 616 and 617, which allow for : Actual damages from denial of credit or emotional distress Statutory damages up to {$1000.00} per violation Punitive damages for willful noncompliance Attorneys fees and costs Their failure to respond has left inaccurate information on my report, causing ongoing harm to my creditworthiness and financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Hello, my debit card number was compromised ( I have the physical card ) and I had received a impersonation call from my bank ( XXXX ) The impersonating call popped up as XXXX and even sent XXXX security codes and knew the debit card and ATM card numbers. They knew all my information without telling them anything. There is a fraudulent charge for {$5000.00} CashApp, {$1500.00} XXXX XXXX and {$2800.00} from XXXX ( The XXXX payment did not post. ) However I submitted a dispute with CashApp and they denied my dispute for {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I have no connection to these inquiries or the listed creditors. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
b"I'm writing to file a formal complaint about incorrect and reappearing accounts on my TRANSUNION credit report. One account from XXXX XXXX XXXX (Account Number: XXXX) that was previously corrected is now showing up again. It was originally opened on XXXX XXXX XXXX but was reinserted on XXXX XXXX XXXX, without any notice to me. Its listed as open, with 30-, 60-, and 90-day late payments, and includes a balloon payment due in XXXX XXXX. According to FCRA  611(a)(5)(B), I should have received a written notice before a previously deleted item was reinsertedthis didnt happen. This has unfairly damaged my credit and caused confusion.\n\nI also noticed that two XXXX XXXX accounts have reappeared on my report even though they were previously deleted and settled. These include:\n\nXXXX XXXX (Account Number: XXXX XXXX XXXX XXXX), opened on XXXX XXXX XXXX, reported as a charge-off, with XXXX written off in a settlement.\n\nXXXX XXXX (Account Number: XXXX XXXX XXXX XXXX), opened on XXXX XXXX XXXX, also reported as a charge-off, with XXXX written off in a settlement.\nThese were paid in settlement and should not be showing up again as active negative items. This goes against FCRA  623(a), which requires data furnishers to report only accurate and verified information. The fact that these accounts were previously removed and are now back without proper verification is misleading and unfair."

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute Concerning Account Status Account Number ending XXXX To Whom It May Concern, I am compelled to formally dispute the information reported to the credit bureaus regarding Account Number XXXX In your records, this account has been designated as " Charged Off '' with an outstanding balance of {$530.00}. Such a characterization is patently misleading and potentially in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information conveyed to credit reporting agencies must be both accurate and substantiated. 

I hereby invoke Section 607 ( b ) of the FCRA, which requires that you ensure maximum possible accuracy in the information you report. Consequently, I demand a thorough investigation regarding this matter and kindly request that you supply comprehensive documentation that substantiates the claimed status. Should you fail to provide adequate verification of this debt, I insist on the immediate rectification of this erroneous information to mitigate the adverse effects on my creditworthiness. 

Your expeditious attention to this pertinent matter is not only appreciated but expected, and I look forward to your timely response elucidating the findings of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute Concerning Account Status Account Number ending XXXX To Whom It May Concern, I am compelled to formally dispute the information reported to the credit bureaus regarding Account Number XXXX In your records, this account has been designated as " Charged Off '' with an outstanding balance of {$530.00}. Such a characterization is patently misleading and potentially in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information conveyed to credit reporting agencies must be both accurate and substantiated. 

I hereby invoke Section 607 ( b ) of the FCRA, which requires that you ensure maximum possible accuracy in the information you report. Consequently, I demand a thorough investigation regarding this matter and kindly request that you supply comprehensive documentation that substantiates the claimed status. Should you fail to provide adequate verification of this debt, I insist on the immediate rectification of this erroneous information to mitigate the adverse effects on my creditworthiness. 

Your expeditious attention to this pertinent matter is not only appreciated but expected, and I look forward to your timely response elucidating the findings of your investigation. 

Sincerely, 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 2025-07-10 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: CA

Complaint narrative:
Having public records on my credit report is deeply distressing, and I kindly ask for their immediate removal to alleviate this XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc
State: TX

Complaint narrative:
Dear FINANCIAL ASSISTANCE INC : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter. 
2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. 
Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the * * * * * * 1692 ( d ) : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights. * 1692f : Use of unfair or unconscionable means to collect a debt. I request the inmediate deletion of this disputed account from all * * * * * * * * * * * * * * * * * * reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief