vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: SC

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 : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted multiple disputes regarding inaccurate information on my credit report and provided supporting documentation, yet the company has failed to correct or remove the false reporting. Despite repeated requests, the inaccurate information remains, causing ongoing harm. 

This conduct is unlawful. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and correct or delete inaccurate information ( 1681i ). Likewise, furnishers of information must ensure accuracy and correct errors once notified ( 1681s-2 ). By refusing to comply with these requirements, the company is in clear violation of federal law. 

As a direct result, I have experienced repeated credit denials, financial hardship, and emotional distress. These consequences are the result of the companys continued negligence and failure to uphold its legal obligations. 

I respectfully request that the CFPB intervene to ensure this inaccurate information is permanently removed from my credit report and that the company is held accountable for its repeated violations of the FCRA.

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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XXXX XXXX dollars of m y stimulus check was accessed through a old cashapp account I had connected to my irs government payments I tried to get information on being able to access the account and cashapp said the funds had been deposited but I couldn't get access because I didn't have the same phone number and email my social security number is XXXX my first name is XXXX last name XXXX d.o.b. XX/XX/XXXX if any cash app account connected with that Information got funded the XXXX I would like to get a refund or access to my account through I.d . verification and mail and any other way I can verify im XXXX XXXX and did not receive my payment the payment was around XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
Subject : Rebuttal to Bridgecrest Response Complaint # XXXX & # XXXX To Whom It May Concern, I respectfully submit this rebuttal to Bridgecrest Acceptance Corporations response XXXX XX/XX/year>, regarding my complaints. Their reply contains omissions and misrepresentations that require clarification.

1. Insurance Claim Handling Bridgecrest states that I did not comply with surrendering my vehicle before the insurers XX/XX/year>, deadline. However, they provide no documentation showing that I was properly notified of the terms, method, or location for surrender. This lack of clarity directly caused the insurer to close the claim without payment, leaving me unfairly burdened. I request the CFPB review whether Bridgecrest acted in good faith and in accordance with state law and insurance requirements.

2. Settlement Correspondence Bridgecrest dismisses my provided documentation as not from Bridgecrest but does not identify the source or authenticate their own correspondence. I request that Bridgecrest be required to produce all written and electronic communications between us during the period in question.

3. Credit Reporting Accuracy Bridgecrest claims its reporting is accurate, yet it admits to applying ancillary product refunds ( {$2600.00} XXXX, {$390.00} XXXX, {$820.00} XXXX ) after charge-off. This means the balance changed post charge-off, raising the question of whether the tradeline reported to credit bureaus is complete, consistent, and accurate under the Fair Credit Reporting Act.

4. Consumer Rights Bridgecrest acknowledges I requested a cease-and-desist on communication. This demonstrates that my disputes were serious and legitimate. Their response avoids addressing the substantive concerns of misreporting and mishandling of insurance obligations. 

Requested Relief : Investigate Bridgecrests handling of the insurance claim, including notice procedures. 
Require Bridgecrest to produce full communication records. 
Review whether their credit reporting is consistent with the FCRA, given post charge-off balance adjustments.

Direct Bridgecrest to correct or remove inaccurate reporting. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Experian Dispute Department Experian Information Solutions, Inc.XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Reporting Account : XXXX XXXX XXXX # XXXX Experian Dispute Department, I am formally disputing the accuracy and completeness of the XXXX XXXX XXXX account referenced above, as it is currently reported on my Experian credit file. 
On XX/XX/XXXX, I received a copy of my Experian credit report via mail, which showed this account as XXXX through XXXX. However, on my most recent Experian report dated XX/XX/XXXX, this same account listed above was re-inserted with as charge off. This change is inconsistent, inaccurate, misleading, harmful to my creditworthiness, and represents a willful violation of federal credit reporting laws. Experian continues to remain noncompliant, knowingly reporting information in a manner that violates consumer rights.

According to FCRA 1681i, consumer reporting agencies must ensure maximum possible accuracy of the information they report. Switching this account status from XXXX in XXXX  to charge off is contradictory and materially misrepresents my credit history. In addition, FCRA 1681e ( b ) requires Experian to maintain reasonable procedures to ensure accuracy. Allowing conflicting reporting of the same account demonstrates a clear failure of those procedures.

This practice further violates Metro 2 standards, which prohibit multiple or conflicting account statuses within the same tradeline My resolution is simple : I demand that Experian immediately and permanently remove the XXXX XXXX XXXX account ( # XXXX ) from my credit file. The account is unverifiable, incomplete, and reported in violation of federal law. Any continued reporting of this account is harmful, misleading, and demonstrates Experians ongoing noncompliance, exposing the company to liability under FCRA 1681n for willful violations. 
Please complete a thorough investigation, provide me with the method of verification, and issue an updated credit report reflecting the permanent deletion of this account. 

Sincerely, 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 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX you an additional XXXX  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 2025-09-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX you an additional XXXX  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
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect and XXXX have furnished and maintained an inaccurate tradeline on my credit reports. The account was originally reported with a fraudulent balance of {$2100.00}, even though ProCollect later admitted in writing that the correct balance was only {$800.00}. While they updated the current balance, the original balance of {$2100.00} remains on my reports, continuing to damage my credit profile. 

Why This Matters : Lenders and landlords see the inflated original balance, which creates the false impression that I defaulted on a debt more than double its actual size. 

This directly affects my ability to secure new housing. I am currently stuck in an unaffordable apartment because applications to move elsewhere are denied due to this tradeline. 

Updating only the current balance is not sufficient ; the entire account was furnished with false information from the beginning. 

Steps I Have Taken : I have contacted ProCollect and XXXX directly with supporting documentation.

ProCollect acknowledged the balance should be {$800.00} but failed to correct the original balance or remove the tradeline. 

XXXX has not corrected their internal claims process form or taken any action to ensure the accurate information is furnished to the bureaus. 

Additionally, attached are the complaints Ive already submitted to the XXXX  Attorney General against XXXX at XXXX XXXX, XXXXXXXXXXXX, and ProCollect. This demonstrates that Ive escalated the matter at the state level due to fraudulent reporting and systemic mishandling.

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 2025-09-10 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: GA

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

1681c2 ) that you, the Experian 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2016, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, 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 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 2025-09-10 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 2025-09-10 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: OK

Complaint narrative:
did not authorize or initiate any credit applications or account openings with the companies identified below. These inquiries were not made with my consent and may be the result of identity theft.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting a full investigation of these inquiries. Furthermore, under FCRA Section 605B, I am requesting that these unauthorized inquiries be blocked from my credit report.

Additionally, I dispute the accounts connected to these inquiries, as I do not recognize them and have never opened or maintained any such accounts. Because they are fraudulent and inaccurate, I am requesting that all such negative items be deleted from my credit file immediately. 

Please provide me with written confirmation once these corrections have been made and an updated copy of my credit report showing the accurate and corrected information.

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 2025-09-10 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: SC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$110.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 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