vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against the credit reporting agencies and the following furnishers of information for serious violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. The following accounts and inquiries are being reported inaccurately on my credit file, and they are causing me significant financial and emotional harm, including denials of credit and higher interest rates. 

Disputed Accounts and Issues Address Reporting Error XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX This is an incorrect address and should not be associated with my credit file. 

XXXX XXXX  XXXX ( Acct # XXXX ) Date Opened : XX/XX/XXXX Balance : {$530000.00} Reported Late Payment This reporting is inaccurate. I dispute this late payment. 

XXXX XXXX XXXX ( Acct # XXXX ) Date Opened : XX/XX/XXXX Balance : {$15000.00} Reported Late Payment This reporting is inaccurate. 

XXXX XXXX XXXX XXXX ( Acct # XXXX ) Date Opened : XX/XX/XXXX Balance : {$13000.00} Reported Late Payment This reporting is inaccurate. 

XXXX XXXX XXXX  ( Acct # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Late Payment Reporting a late payment on a {$0.00} balance account is factually incorrect. 

XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Late Payment Reporting a late payment on a closed/paid account is inaccurate. 

XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4200.00} Reported as Collection I dispute this collection reporting as inaccurate. 

XXXX XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$21000.00} Reported Late Payment This reporting is inaccurate. 

Unauthorized/Questionable Inquiries The following inquiries were not authorized by me and should be removed immediately : XXXX XX/XX/XXXX ( two inquiries ) XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Requested Relief Immediate investigation and removal of all inaccurate late payments, collections, and inquiries listed above. 

Permanent deletion of the wrong address from my credit file. 

Written confirmation of corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit card account opened at XXXX on XX/XX/year> account number XXXX Credit card account opened at XXXX on XX/XX/year> account number XXXX Credit card account opened at XXXX on XX/XX/year> account number XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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 2025-09-02 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: CA

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit card account opened at XXXX on XX/XX/year> account number XXXX Credit card account opened at XXXX on XX/XX/year> account number XXXX Credit card account opened at XXXX on XX/XX/year> account number XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: CO

Complaint narrative:
Identity Theft Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX On XX/XX/year> the identity of XXXX XXXX XXXX was stolen by an unkown party and used to obtain a loan from XXXX XXXX XXXX  via the web site : XXXX XXXX XXXX Perpetrator used The XXXX XXXX XXXX as a loan applicant and the email address XXXXXXXX XXXX XXXX XXXX XXXX  ( actual old email address the victim does not use and has not used for years ). 

On XX/XX/XXXX, the victim received a phone call from XXXX informing him that case XXXX XXXXXXXX would be sending legal papers and pursuing the debt in court. When informed it had been identity theft, and XXXX XXXX XXXX has never, ever taken out a loan of any kind with XXXX XXXX XXXX, the debt collector advised the victim to file reports with XXXX Police and the FTC ( victim has done both ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, 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. 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 explanation
Consumer complaint received 2025-09-02 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: MI

Complaint narrative:
I am a documented victim of identity theft. I submitted FTC Identity Theft Reports ( XXXX XXXX  & XXXX XXXX XXXX XXXXXXXX Police Reports XXXX XXXX XXXX XXXX XXXX XXXX  ), and a XXXX  Victim Notification ( Case XXXX XXXXXXXX ) confirming my fraud victim status. Despite this, XXXX XXXX account XXXX XXXXXXXX ( charge-off {$18000.00} ) which had been previously deleted under FCRA XXXX was reinserted into my XXXX  credit report in XX/XX/XXXX without proper certification or notice. 

This account is fraudulent, unauthorized, and unverifiable. I never applied for, opened, or benefited from this account. 

FCRA & FDCPA Violations FCRA 605B ( 15 U.S.C. 1681c-2 ) : CRAs and furnishers must block identity theft accounts within 4 business days.

FCRA 611 ( a ) ( 5 ) ( B ) : Deleted accounts can not be reinserted unless the furnisher certifies accuracy AND the CRA notifies the consumer within 5 business days. Neither occurred here.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report information known to be inaccurate.

FCRA 623 ( b ) ( 1 ) : Furnishers must conduct reasonable investigations after receiving disputes. 

FCRA 607 ( b ) : CRAs must ensure maximum possible accuracy ; Experian failed by re-reporting a known fraudulent account.

Metro 2 Guidelines 6.14.1 : XXXX continues to report a balance after charge-off ( {$18000.00} ), which is a structural reporting violation.

FDCPA 809 ( b ) : If XXXX or its collectors pursue collection without validating the debt, it violates federal law. 

Case Law : XXXX XXXX XXXX XXXX XXXX XXXX  CRAs/furnishers must perform independent investigations ; XXXX XXXX XXXX XXXX XXXX ( XXXX ) re-reporting inaccurate tradelines after dispute = willful noncompliance. 

Harm Suffered Lowered credit scores due to unlawful reinsertion. 
Credit denials and financial harm from derogatory tradeline. 
Emotional distress and reputational harm caused by XXXX unlawful reporting. 
Loss of time and resources spent disputing, gathering evidence, and filing complaints.

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 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> at an art show, sold art to several customers. experienced poor reception with the square reader which resulted in multiple swipes/charge attempts. 

I received a notification the day after that I would get the money at the end of XXXX or start of XXXX. Which was confusing because several of my peers at this event told me that you can generally transfer the money the next business day. Now they are saying XX/XX/XXXX. 

They currently have {$4200.00} in the square account which was flagged for 'suspicious ' activity. No one in email, phone, or the square chat can tell me what was suspicious or why I got deactivated. their verification application doesn't work and I have tried numerous times through out the weekend/week to get my ID scanned and without fail on WiFi or not the application can not upload the id ; They don't have an alternate way to establish verification either. 

Square said I should refund the customers, which I can't because I do not have the goods anymore. customer service can't do anything beyond stating that because its been flagged by an algorithm and using the term 'suspicious ' they can't do anything. So my account was arbitrarily flagged by their system and I have to wait for {$4200.00} till the start of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MI

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX - XX/XX/year> - Did not consent to unauthorized inquiry

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 2025-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
My mother recently passed away and had a loan with Regions Bank. When I contacted them on XX/XX/year>, I was told I personally had to assume responsibility for the loan ( not the estate ). I know I am not legally responsible for another persons debts, so they are trying to falsely make me believe I should pay them to avoid going through the estate.

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 2025-09-02 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX XXXX Account Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: AL

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