vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am disputing a collection account reported by Fair Collections and Outsourcing in the amount of {$3500.00}, which appears on all three credit bureaus. I do not acknowledge or claim this debt as mine, and I have never received written validation or verification from the collector as required under 15 U.S.C. 1692g of the FDCPA. 

In addition, the reporting dates are inconsistent and inaccurate across all credit bureaus. This violates FCRA 623 ( 15 U.S. Code 1681s-2 ), which requires furnishers to provide accurate and complete information. Under FCRA 1681i, I have the right to dispute information that is inaccurate or incomplete, and the credit reporting agencies are obligated to remove or correct it if it can not be verified. 

Because I never received proper written notice, and the dates and balance being reported are erroneous and unverifiable, I am requesting immediate removal of this account from my credit report under FCRA 1681c-2, which requires deletion of information resulting from fraud or identity theft when properly disputed. 

This account is damaging my credit and was reported without legal validation or accuracy. I respectfully request that the CFPB intervene to ensure this unverified and inaccurate account is deleted promptly and that Fair Collections and Outsourcing cease any further collection efforts unless they can fully validate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
In XXXX, XXXX, and XXXX, I discovered several fraudulent credit card accounts on my credit reports. These included multiple unauthorized accounts from : XXXX  XXXX XXXX ( 3 accounts ) XXXX XXXX  ( 2 accounts ending in XXXX ) These accounts were disputed and removed after being identified as products of identity theft. However, in XX/XX/XXXX, they were reinserted into my credit report without proper legal notice or written communication. 

Under FCRA 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information, they must : Notify the consumer in writing within five business days, and Disclose the name, address, and phone number of the furnisher who certified the reinsertion.

I received no such notice and was not provided with the identity of any furnisher, in direct violation of the law. Furthermore, the reinserted accounts were tied to identity theft, including fraudulent addresses and phone numbers ( e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and phone number XXXX ), which further confirms these were not authorized accounts. 



What laws were violated? 
FCRA 1681i ( a ) ( 5 ) ( B ) : Failure to notify the consumer and disclose furnisher information after reinsertion of deleted data.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know to be false or previously disputed.

FCRA 1681c-2 : Requires blocking of identity theft-related data upon submission of an FTC Identity Theft Report.

FCRA 1681n and 1681o : Provides for damages in cases of willful or negligent noncompliance.

What would be a fair resolution?

1. Permanently delete all fraudulent accounts from XXXX  XXXX XXXX and XXXX XXXX from my credit reports at all credit bureaus. 
2. Provide a written explanation including : The dates of reinsertion ; Whether the accounts were certified by a furnisher ; The name, address, and phone number of each furnisher, as required under FCRA 1681i ( a ) ( 5 ) ( B ).

3. Correct my credit profile and score, removing all derogatory effects from these fraudulent reinsertions and associated false personal information ( address and phone number ).

4. Provide written assurance that these accounts and personal identifiers will not be re-reported unless fully certified and legally validated under FCRA 1681c-2.

5. If it is determined that the reinsertion was done willfully or negligently, I request that the CFPB pursue appropriate enforcement or statutory damages under FCRA
1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt XXXX  Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-15 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: OK

Complaint narrative:
I am reporting unauthorized transactions on my Cash App accounttwo charges of {$15.00} and one charge of {$10.00} that I did not authorize. These were withdrawn without any security check or verification, yet Cash App regularly declines verified in-person purchases for security reasons. 
When I reported the charges, Cash App repeatedly told me to wait for the transaction to complete or contact law enforcement, which is a clear violation of the Electronic Fund Transfer Act ( 15 USC 1693 ) and Regulation E ( 12 CFR 1005.11 ). 
I have asked them multiple times to open a dispute and begin an investigation, as required by law, but they continue to delay and deflect responsibility. These funds were needed for a medical appointment, and their failure to act has caused real harm. 
I am requesting an immediate refund of the {$40.00} in unauthorized charges, an investigation into the security failure, and a written explanation of how these were allowed to go through. I am attaching all correspondence with Cash App to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I was given a random XXXX test on XX/XX/year> by XXXX and it was inconclusive. I was put on a paid suspension and terminated on XX/XX/XXXX. I tested XXXX  for XXXX different XXXX. 

I was able to provide documentation for two of the XXXX  but the third I could not accept could be a false XXXX. The company, First Advantage would not accept one of the prescriptions because I did not possess the bottle and it was over a year old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pu

rsuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, th
e Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/year>

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/year>. after reviewing my credit report I saw a collection agency under the name of XXXX and another one under the name of XXXX. Plus 2 two unauthorized hard inquiries. I sent a letter individually by mail to all three agencies : Transunion, Experian and Equifax. 
Today is XX/XX/XXXX, 2 months later and I have nit receive a response. I checked my reports online and don't see the accounts in dispute, reported as currently being investigated. Meaning they all have ignored my letters.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/year>. after reviewing my credit report I saw a collection agency under the name of XXXX and another one under the name of XXXX. Plus 2 two unauthorized hard inquiries. I sent a letter individually by mail to all three agencies : Transunion, Experian and Equifax. 
Today is XX/XX/XXXX, 2 months later and I have nit receive a response. I checked my reports online and don't see the accounts in dispute, reported as currently being investigated. Meaning they all have ignored my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-15 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:
I am disputing a collection account that was reported without my knowledge, consent, or prior notification. I had no opportunity to validate or contest the debt prior to its appearance, which violates basic procedural due process under federal consumer protection laws.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-15 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: ND

Complaint narrative:
Final Demand for Removal of Inaccurate XXXX XXXX XXXX Account from Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, This letter serves as a final written demand for the immediate removal of an inaccurate entry related to an alleged debt from XXXX XXXX XXXX, which continues to appear on my credit report. I have previously disputed this account with your agency and filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), yet the item remains unresolved and inaccurately reported. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 1681i, you are required to conduct a reasonable investigation of disputed information and delete any item that can not be verified. To date, your agency has failed to provide verifiable documentation, including but not limited to : A valid contract bearing my signature. 
Proof of legal ownership of the alleged debt by XXXX XXXX XXXX. 
Documentation substantiating the amount claimed to be owed. 
Your continued reporting of this unverified information constitutes a violation of FCRA S 1681i ( a ) ( 1 ) ( A ) and may expose your agency to liability for negligent noncompliance under FCRA S 1681o or willful noncompliance under FCRA S 1681n.

Demand for Action You are hereby directed to delete the XXXX XXXX XXXX account from my credit report within XXXX calendar days of receiving this letter, unless you can provide full validation of the debt as required by law. Validation must include original documentation from the data furnisher ( XXXX XXXX XXXX ) establishing the debts legitimacy, including a signed contract, proof of ownership, and a detailed account statement. 
Notice of Intent Failure to comply within the specified timeframe will result in further action, including but not limited to filing additional complaints with the CFPB and pursuing legal remedies for violations of the FCRA. I reserve the right to seek damages for any harm caused by the continued reporting of inaccurate information. 
Please send written confirmation of the deletion of this account to my address listed above. Additionally, provide an updated copy of my credit report reflecting the correction. 
Thank you for your immediate attention to this matter. I trust you will handle this request promptly to avoid further escalation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: ND

Complaint narrative:
Final Demand for Removal of Inaccurate XXXX XXXX XXXX Account from Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, This letter serves as a final written demand for the immediate removal of an inaccurate entry related to an alleged debt from XXXX XXXX XXXX, which continues to appear on my credit report. I have previously disputed this account with your agency and filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), yet the item remains unresolved and inaccurately reported. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 1681i, you are required to conduct a reasonable investigation of disputed information and delete any item that can not be verified. To date, your agency has failed to provide verifiable documentation, including but not limited to : A valid contract bearing my signature. 
Proof of legal ownership of the alleged debt by XXXX XXXX XXXX. 
Documentation substantiating the amount claimed to be owed. 
Your continued reporting of this unverified information constitutes a violation of FCRA S 1681i ( a ) ( 1 ) ( A ) and may expose your agency to liability for negligent noncompliance under FCRA S 1681o or willful noncompliance under FCRA S 1681n.

Demand for Action You are hereby directed to delete the XXXX XXXX XXXX account from my credit report within XXXX calendar days of receiving this letter, unless you can provide full validation of the debt as required by law. Validation must include original documentation from the data furnisher ( XXXX XXXX XXXX ) establishing the debts legitimacy, including a signed contract, proof of ownership, and a detailed account statement. 
Notice of Intent Failure to comply within the specified timeframe will result in further action, including but not limited to filing additional complaints with the CFPB and pursuing legal remedies for violations of the FCRA. I reserve the right to seek damages for any harm caused by the continued reporting of inaccurate information. 
Please send written confirmation of the deletion of this account to my address listed above. Additionally, provide an updated copy of my credit report reflecting the correction. 
Thank you for your immediate attention to this matter. I trust you will handle this request promptly to avoid further escalation

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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