vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-06-17 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 do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: VA

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

1681c-2 ) that you, the 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. 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 VA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: First Credit Services Inc.
State: OH

Complaint narrative:
Ive been a victim of a data breach several times and I believe my info was used to open these accounts that are showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Ive been a victim of a data breach several times and I believe my info was used to open these accounts that are showing on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
I am submitting this complaint against SEQUIUM XXXX SOLUTIONS regarding an account they are reporting on my credit file. I have no knowledge of this debt and have not received proper validation. I formally requested a debt validation letter from SEQUIUM ASSET SOLUTIONS under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and they have failed to provide the legally required documentation. Until the debt is properly validated, reporting it to any credit reporting agency violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I am requesting that the CFPB investigate this matter, hold SEQUIUM ASSET SOLUTIONS accountable, and ensure that any unvalidated debt is removed from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am formally disputing inaccurate and unverified information in my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards established by the Consumer Data Industry Association ( CDIA ). 

You are required by federal law to ensure that all data you report is accurate, complete, verifiable, and fully compliant with the Metro 2 format as outlined in the current CRRG. At this time, I demand a full reinvestigation and removal of all inaccurate, unverifiable, or improperly reported information listed below. 

PERSONAL INFORMATION BEING CHALLENGED 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 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 You are required to provide physical, original, and verifiable documentation confirming : That each of these items was legally reported. 

That each account was the result of a valid transaction with my express written consent. 

That the accounts and inquiries were not previously deducted as tax losses, charged off, or settled with insurance. 

That each furnisher reporting these items is in full compliance with Metro 2 field-level guidelines for accurate reporting. 

Per the FCRA XXXXi and XXXX U.S. CXXXX XXXXs-2, I request the deletion of any item that can not be verified through notarized affidavits from individuals with first-hand knowledge of the account or debt in question. 

You must also confirm whether any of the accounts listed were previously removed and reinserted. If so, you are legally obligated under FCRA XXXX ( a ) ( 5 ) ( B ) to provide written notice within 5 business days of the reinsertion. 

If these accounts and personal records can not be fully validated within 7 business days, I expect the immediate permanent deletion of the inaccurate data. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, and I will pursue further legal remedies under federal law. 

This letter serves as your formal notice. Please mail me a copy of my updated credit report reflecting your corrections and deletions.

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 2025-06-17 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:
I am formally disputing inaccurate and unverified information in my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards established by the Consumer Data Industry Association ( CDIA ). 

You are required by federal law to ensure that all data you report is accurate, complete, verifiable, and fully compliant with the Metro 2 format as outlined in the current CRRG. At this time, I demand a full reinvestigation and removal of all inaccurate, unverifiable, or improperly reported information listed below. 

PERSONAL INFORMATION BEING CHALLENGED 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 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 You are required to provide physical, original, and verifiable documentation confirming : That each of these items was legally reported. 

That each account was the result of a valid transaction with my express written consent. 

That the accounts and inquiries were not previously deducted as tax losses, charged off, or settled with insurance. 

That each furnisher reporting these items is in full compliance with Metro 2 field-level guidelines for accurate reporting. 

Per the FCRA XXXXi and XXXX U.S. CXXXX XXXXs-2, I request the deletion of any item that can not be verified through notarized affidavits from individuals with first-hand knowledge of the account or debt in question. 

You must also confirm whether any of the accounts listed were previously removed and reinserted. If so, you are legally obligated under FCRA XXXX ( a ) ( 5 ) ( B ) to provide written notice within 5 business days of the reinsertion. 

If these accounts and personal records can not be fully validated within 7 business days, I expect the immediate permanent deletion of the inaccurate data. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, and I will pursue further legal remedies under federal law. 

This letter serves as your formal notice. Please mail me a copy of my updated credit report reflecting your corrections and deletions.

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 2025-06-17 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$3000.00} XX/XX/XXXXXXXX XXXX Balance : {$190.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized items must be removed. 

XXXX XXXX  XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XX/XX/year>2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized items must be removed. 

XXXX XXXX  XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XX/XX/year>2025 2025

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 2025-06-17 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: FL

Complaint narrative:
I reviewed my credit report and I formally disputed fraudulent accounts that have appeared on my credit report. These do not relate to any transactions that I have made and after careful review I determined these accounts are a result of identity theft. I have taken the necessary steps to address this issue including filing a report with the FTC regarding the identity Theft. I am attaching the FTC report and the dispute letter I sent to them.

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 2025-06-17 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX, XXXX XXXX XXXX, XXXX XXXX, INQUIRY XXXX, XXXX, XXXX, 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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Summary : Cash App abruptly closed three of my accounts without warning or a clear explanation. I rely on Cash App to receive payments for my business and was given no opportunity to correct or understand the issue. I requested specific information about what terms were violated, but support provided vague, repeated answers and refused to clarify. This has interfered with my income and ability to operate my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX XXXXXXXX

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I informed experian i am an ID theft victim twice i also fave themy correct address which they finally updated today but told me the inquiries will be there 2 years which i don't accept or authorize

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Complaint Against Midland Credit Management Account Not Mine / Request for Proof of Debt but company did not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 605B ( 15 U.S.C.

1681c-2 ) that you, the 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. 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 XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

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

1681c-2 ) that you, the 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. 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 XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I contacted Cash App support regarding a missing direct deposit from the U.S. Department of the Treasury for my VA XXXX payment. The funds were scheduled for XX/XX/year>, and I provided the official 15-digit ACH trace number showing the deposit was issued. I am a HUD-VASH-enrolled Veteran flagged for financial hardship and housing instability. 

Despite multiple follow-ups and submission of all required documentation, Cash App has failed to release the funds or respond meaningfully. They falsely stated I forgot prior details I had already submitted. Its now XX/XX/XXXX, and no resolution has been provided. This delay has placed me at risk of utility cutoff and worsened my hardship. 

Under Regulation E, they are required to investigate and resolve missing funds disputes within 10 business days. This deadline has passed. The deposit is a federal benefit, and Cash Apps continued inaction is a serious violation of federal protection laws. I am requesting immediate resolution, including the release of the withheld VA funds and appropriate restitution for the delay.

Company response to consumer: Closed with explanation