vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: CT

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
The same loan has be closed and reopened multiple times on my credit report including XXXX of XXXX this was resolved and now the same credit reporting showing late payments on a XXXX XXXX from XXXX has reappeared. I am challenging this under FCRA 605B duplicate loans - data inaccuracy US DEPT OF EDUCATION reported a new account on your TransUnion Credit Report. 
XX/XX/XXXX Transferred/Closed US DEPT OF EDUCATIONXXXX reported a new account on your XXXX  Credit Report Closed XX/XX/XXXX {$2700.00} US DEPT OF EDUCATIONXXXX reported a XXXX account XXXX XXXX TransUnion Credit Report {$730.00} XX/XX/XXXX Closed

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 2025-05-07 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I formally requested debt validation from Caine & Weiner under 15 U.S. Code 1692g. I specifically asked for a signed agreement, a breakdown of the alleged amount owed ( {$830.00} ), and proof that they are legally authorized to collect on behalf of the original creditor, XXXX. I also explicitly requested that all communication be conducted via email only and that they refrain from calling me. 

They failed to comply on every level. 

They responded only with a generic invoice and an internal account summary neither of which satisfy the legal definition of debt validation. No contract, no signed agreement, no proof of assignment. Over 30 days passed with no proper validation. I followed up and informed them in writing that they were now in violation of the FDCPA and again demanded they stop collection efforts and remove any credit reporting. 

Despite this, they continued collection activity, did not remove the reporting, and even made an unauthorized phone call to me completely disregarding my clear request for no telephone contact. 

At this point, I believe Caine & Weiner is willfully violating the FDCPA, misrepresenting their authority to collect, and attempting to coerce payment on a debt they can not legally validate. I am requesting regulatory enforcement and deletion of any associated credit reporting entries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: WV

Complaint narrative:
I paid a charged off credit card from XXXX back in XXXX. XXXX  and XXXX  both updated my report saying account paid in full. Experian however has denied XXXX dispute requests to update it even with XXXX letters straight from the creditor saying the account was settled in full. They refuse to bring it to a XXXX balance. this has affected and extended my ability to get a home when we need to move. This is illegal and I need this rectified

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Account XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete the account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-07 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Peer Advisors, LLC
State: VA

Complaint narrative:
XXXX , based in XXXXXXXX XXXX  did a reverse mortgage for our home at my deceased husband's request, 4 years before his passing.  I was forced to sign as the surviving spouse, but my name is not on the loan.  XXXX  is  now threatening me with foreclosure.  I was told in no uncertain times that at the time of my husband's death, I could remain in the house for as long as I wanted.XXXXHusband is XXXX XXXX XXXX   Loan number is XXXXPlease help me with thisXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I am formally disputing the reporting of the XXXX XXXX  account ending in XXXX as reflected on both XXXX and Equifax. This account was closed and charged off in XXXX, yet both bureaus continue to report a balance of {$1900.00} and update the tradeline with Charge-Off and Profit and Loss Write-Off notations into XX/XX/XXXX. This post-closure activity is misleading and materially inaccurate. These updates constitute unlawful re-aging in violation of FCRA 1681c ( a ) ( 4 ), which prohibits furnishing outdated derogatory data that misrepresents the true age of a delinquent account. There has been no consumer activity, no payments, and no new contractual agreement since the initial charge-off. This continued monthly derogatory reporting violates FCRA 1681e ( b ) by failing to maintain maximum possible accuracy and overstating the severity and recency of the debt. Additionally, under FCRA 1681i ( a ) ( 5 ) ( A ), the account must be permanently deleted unless the furnisher can provide original, verifiable documentation of the current legal obligation to collect. Moreover, as this balance exceeds {$600.00} and the creditor has classified it as a Profit and Loss Write-Off, they are obligated under IRS Code 6050P to issue an IRS Form 1099-C to the borrower and the IRS. No such form has been issued to date, further confirming the account has been XXXX for tax purposes and should not continue to report as an active delinquent debt. I explicitly prohibit the use of any third-party verification sources, including XXXX, XXXX, XXXX, XXXX, or XXXX XXXX, as these entities are not original furnishers and lack both a permissible purpose and consumer authorization in accordance with FCRA 1681b ( a ). Pursuant to FCRA 1681i ( a ) ( 8 ), I invoke my right to expedited deletion within three ( 3 ) business days, as this tradeline is materially inaccurate, unverifiable, and in violation of both consumer protection and federal tax law. Failure to delete this account will result in formal escalation to the FTC, IRS XXXX XXXX XXXX, and other regulatory enforcement agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I am formally disputing the reporting of the XXXX XXXX account ending in XXXX as reflected on both Experian and XXXX. This account was closed and charged off in XXXX, yet both bureaus continue to report a balance of {$1900.00} and update the tradeline with Charge-Off and Profit and Loss Write-Off notations into XX/XX/XXXX. This post-closure activity is misleading and materially inaccurate. These updates constitute unlawful re-aging in violation of FCRA 1681c ( a ) ( 4 ), which prohibits furnishing outdated derogatory data that misrepresents the true age of a delinquent account. There has been no consumer activity, no payments, and no new contractual agreement since the initial charge-off. This continued monthly derogatory reporting violates FCRA 1681e ( b ) by failing to maintain maximum possible accuracy and overstating the severity and recency of the debt. Additionally, under FCRA 1681i ( a ) ( 5 ) ( A ), the account must be permanently deleted unless the furnisher can provide original, verifiable documentation of the current legal obligation to collect. Moreover, as this balance exceeds {$600.00} and the creditor has classified it as a Profit and Loss Write-Off, they are obligated under IRS Code 6050P to issue an IRS Form 1099-C to the borrower and the IRS. No such form has been issued to date, further confirming the account has been discharged for tax purposes and should not continue to report as an active delinquent debt. I explicitly prohibit the use of any third-party verification sources, including XXXX, XXXX, XXXX, XXXX or XXXX XXXX, as these entities are not original furnishers and lack both a permissible purpose and consumer authorization in accordance with FCRA 1681b ( a ). Pursuant to FCRA 1681i ( a ) ( 8 ), I invoke my right to expedited deletion within three ( 3 ) business days, as this tradeline is materially inaccurate, unverifiable, and in violation of both consumer protection and federal tax law. Failure to delete this account will result in formal escalation to the FTC, IRS XXXX XXXX XXXX, and other regulatory enforcement agencies.

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 2025-05-07 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 CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), that you, the TransUnion 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 receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with XXXX XXXX Opened on XX/XX/year>2025. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year> i was sending momey to a friend for a truck the code was XXXX XXXXXXXX I put the wrong cXXXXe in XXXX  XXXX. I canceled it right away. cash app said I had to request a refund from who i sent it to. so i did. it was declined. i have know idea who this person is. or how to contact him to get my money back. 
I have called cash app and they didn't give me any hope on getting my money back. 
I lost a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), that you, the Equifax 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 receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with XXXX XXXX Opened on XXXX XXXX, 2025. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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