vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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 and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian, and XXXX  continue to report inaccurate information as verified and updated, despite its demonstrably incorrect nature. A thorough review of all reports reveals numerous inaccuracies requiring correction and accounts requiring removal. As of XXXX XXXX, 2025, XXXX and the Department of Education have been verified ; I require the source and supporting documentation for this information, confirmation of their authority to sell debt, and original copies of my wet signature on these accounts. All three credit reports display discrepancies under 15 U.S.C. 1681c and 15 U.S.C. 1681i-2.

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 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX XXXX XXXXXXXX claim I owe them {$2900.00} for a debt that was charged off on XXXX. I also made payments to this company that was not applied towards the account up until XX/XX/XXXX which I had to retire from the post office because I became XXXX. I notified them of the situation. I have been living off my XXXX XXXX. On XX/XX/XXXX they decided to take the full amount out of my account before my court date on XX/XX/XXXX so, they took money out of my XXXX account, didn't give me a chance to defend myself and the statute of limitations has expired. I talked to them on XX/XX/XXXX and they have the nerve to tell me I still owe them {$2900.00}. I told them they took it out of my account last week they claim they don't have the money. I said who was the money it states in my account 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account being reported by XXXX XXXX on behalf of a creditor labeled XXXX XXXX ( Account # [ insert the full or partial number, if known ] ), with an alleged balance of {$160.00}, a date of first delinquency reported as XX/XX/XXXX, and a status date of XX/XX/XXXX. This item is listed as a collection account, even after I have formally disputed it multiple times. 

Despite my efforts to be specific in each dispute, Equifax and XXXX XXXX have responded with contradictory and dismissive language, including : Consumers dispute not specific We verified that this item belongs to you Information unrelated to your dispute has been updated At no point has XXXX XXXX provided actual documentation to validate this alleged debt, such as : The original contract or agreement with the creditor Proof that I am legally responsible for the debt An itemized account history Instead, they have only updated generic metadata fields ( e.g., Balance Date, Status Date ), which does not constitute proper validation under the Fair Credit Reporting Act ( FCRA ). These responses amount to a refusal to conduct a reasonable investigation as required under 15 U.S.C. 1681i. 

Furthermore, the credit bureaus ( especially Equifax ) have failed in their duty to reinvestigate and delete or correct this account, despite being presented with sufficient dispute language and documentation. The continued reporting of this account is damaging to my credit and violates my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MD

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 2025-06-13 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
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 2025-06-13 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: AZ

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 2025-06-13 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: AZ

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 2025-06-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: AK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) for failing to protect my account and denying support during a fraudulent transaction. 

A {$9.00} charge from XXXX appeared on my Cash App account, which I did not authorize. I do not use XXXX, and I reported this charge while it was still pending. 

I asked Cash App support to cancel my card and issue a new one, but their system would not allow me to order a replacement ( even with no custom design ). I requested help from a real agent, but they kept sending me through steps I had already followed.

When I asked for proper escalation, they closed my support case without resolving anything. The fraudulent charge is still pending, and I still cant get a new card.

They told me to contact local law enforcement instead of helping me file a dispute or issue a replacement card. This is not a proper response to a fraudulent charge, and I am being denied protection as a consumer.

I request : 1. Cancellation of the current card 2. Manual issuance of a new standard Cash Card 3. Blocking or refunding the unauthorized XXXX charge 4. Investigation into their support team 's neglect Ive done everything right, and I am being punished for a security failure I did not cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Well I ended up getting a credit card for capital one and it didnt go or work as planned. I had a XXXX  phone years ago and XXXX is not even a real thing anymore I hate that I have thay on my credit as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/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 2025-06-13 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: NV

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$5100.00} XXXX XXXX XXXXXXXX # XXXX XXXXXX/XX/XXXX -- {$1600.00} U S DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX -- {$3400.00} U S DEPT OF EDXXXX # XXXX XX/XX/XXXX XXXX {$4100.00} U S DEPT OF EDXXXX # XXXX XX/XX/XXXX -- {$5300.00} U S DEPT OF ED/XXXX # XXXX XX/XX/XXXX -- {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I checked my credit report around XX/XX/XXXX, after I received a notification from a monitoring system with XXXX  that a new collection was filed on my account. Southern Mgt Systems added a {$410.00} collection to my credit report around XX/XX/XXXX. 
I submitted a dispute with all 3 major credit bureaus immediately. All 3 came back " validated '' with the collection agency saying the date of first delinquency was XX/XX/XXXX. I dont understand what this means when it was reported in XXXX. 
The context of my dispute was never addressed, however. I disputed the fact that this was the first notification of the collection or attempt to collect ; I did not dispute the debt. My son and I are the debtors and neither of us has received any mail, emails, or phone calls from this collection agency or the original creditor advising of the debt due or how to pay it. 
I believe the collection reporting is improper and the collection agency has not met its obligations under FDCPA. The reporting of the collection activity to my and my sons credit reports is against FDCPA reporting rules since they have not communicated with either of the debtors any details of the debt or how to pay it prior to reporting negatively against our credit reports. The first communication with either myself or my son was through the negative credit reporting. 
This shouldnt be allowed. In the past when there was a bill owed, the original creditor or collection agency would make direct contact to notify that there was debt. I believe this collection agency filed against our credit as the first direct communication instead of any attempt to contact us by mail, email, or phone beforehand. 
I think theyre using this collection reporting as the direct contact. This is so unfair and shouldnt be allowed. I know what this debt is and would have paid it if we had ever received anything by mail or phone or email from either the original creditor or the collection agency. 
I asked for a debt validation, and it was returned by the credit agencies without proof that the agency had attempted contact with me before reporting to my credit. I have still never had any communication with this company outside of the credit agencies. I had to get their phone number from XXXX. Is this legal? What actions can I take? Im prepared to pay this debt in full but it should have never been reported had we been given notification written, electronic or phone prior to the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and XXXX XXXX. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account being reported by IC Systems on behalf of a creditor labeled XXXX XXXX ( Account # [ insert the full or partial number, if known ] ), with an alleged balance of {$160.00}, a date of first delinquency reported as XX/XX/XXXX, and a status date of XX/XX/XXXX. This item is listed as a collection account, even after I have formally disputed it multiple times. 

Despite my efforts to be specific in each dispute, XXXX and IC Systems have responded with contradictory and dismissive language, including : Consumers dispute not specific We verified that this item belongs to you Information unrelated to your dispute has been updated At no point has IC Systems provided actual documentation to validate this alleged debt, such as : The original contract or agreement with the creditor Proof that I am legally responsible for the debt An itemized account history Instead, they have only updated generic metadata fields ( e.g., Balance Date, Status Date ), which does not constitute proper validation under the Fair Credit Reporting Act ( FCRA ). These responses amount to a refusal to conduct a reasonable investigation as required under 15 U.S.C. 1681i. 

Furthermore, the credit bureaus ( especially XXXX  ) have failed in their duty to reinvestigate and delete or correct this account, despite being presented with sufficient dispute language and documentation. The continued reporting of this account is damaging to my credit and violates my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation