vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX that you couldn't put on the FTc report ). Please see the attached file.

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 2025-09-11 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:
XXXX writing to request the of inaccurate personal information on my credit report in accordance with 15 U.S.Code 1681e ( b ) - Compliance procedures to assure maximum possible accurancy of the information. I reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

The details that required correction are as follows : My name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct social security number : XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Yes heres the same CFPB complaint statement but with the * * specific laws * * theyre likely violating, so you can include those references for more weight : XXXX XXXX XXXX XXXX XXXX is attempting to collect on a fraudulent payday loan in the amount of {$1200.00}. I am a victim of identity theft, and this debt does not belong to me. They are verifying the account with false information, including an address I have never lived at, employment at a company I have never worked for ( XXXX XXXX XXXX ), and an email address that was compromised in XXXX. Even after I provided my FTC Identity Theft Report and supporting documents, they continue to pursue the debt and have refused to properly investigate my dispute. 
Their actions violate the following consumer protection laws- XXXX XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 XXXX XXXX XXXX XXXX  : Prohibits false, deceptive, or misleading representations of a debt. 
* 1692f : Prohibits unfair or unconscionable means to collect a debt.

* 1692g : Requires debt collectors to cease collection until verification is properly provided when a debt is disputed. 

XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 XXXX XXXX XXXX XXXX  ( a ) : Furnishers of information may not report information they know or should know is inaccurate. 
* 1681s-2 ( b ) : After receiving a consumer dispute, furnishers must conduct a reasonable investigation and correct or delete inaccurate information. I am requesting that the CFPB require XXXX XXXX XXXX to stop all collection efforts, permanently remove this fraudulent account, and ensure it is not resold or reassigned to another collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. 

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The XXXX has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2.

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 2025-09-11 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: FL

Complaint narrative:
Issue : Incorrect credit reporting of auto loan account despite approved payment deferral. 

Company : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX / XXXX ) Product : Auto loan or lease Account Information : Vehicle XXXX XXXX XXXX XXXXXXXX Account # : XXXX Description of Complaint : I am disputing an inaccurate late payment being reported on my XXXX XXXX XXXX XXXX loan. My account was reported as 30 days past due, but this is incorrect. 

I had an approved payment deferral during the period in question. Since the deferral was granted, my account was not delinquent, and no late payment should have been reported. Despite this, XXXX XXXX reported my account as past due, which has negatively impacted my credit. 
I have already contacted XXXX XXXX to dispute this error and requested that they correct it with the credit bureaus. I am also disputing directly with XXXX XXXX and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I filed a prior case against Goldman Sachs Apple Card for fraudulent charges dating back to XXXX. I closed my card in XX/XX/XXXX after assurances that Goldman Sachs Apple Card would properly take care of these fraudulent charges. Instead, even after repeated attempts to get the company to respond to these fraudulent charges from an XXXX XXXX XXXX XXXX that I never signed up for ( and that is widely discussed in community forums as fraudulent ), Goldman Sachs continues to not respond to the actual evidence I have submitted that I never purchased this app. It does not even appear on my phone as a purchase. When calling their customer service center or texting them ( the only XXXX methods available ), I have learned that these call centers do not reside in the US, and there is no transparent, actual process for anyone to investigate or respond to the requests. It is clear from voice recordings I have now made with customer service reps, that there is a " back office '' that supposedly reviews disputes, but at times, the automatic response rejecting my disputes has been so fast XXXX automatically generated, it is clear that the process is a circular loop with no human actually reading the materials. I even opened an internal case file reporting them to themselves. Despite this, they had my recent CFPB complaint closed ( using an XXXX generated response ), and they have reported me to the credit agencies lowering my score twice- by almost XXXX points. Despite the {$89.00} XXXX fine levied against them in XXXX by CFPB for complaints similar to mine, they have not changed their processes and continue to harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
XX/XX/year>, This is an appeal complaint regards to reference Complaint XXXX XXXX XXXXXXXX. 

On XX/XX/year>, I received a response from Crypto.com via email and CFPB Response.pdf was attached. I have viewed the letter thoroughly over and over again, Crypto.com neglected in addressing the issue. The letter says as a customer and that I was aware of the wallet address by selecting YES. I was not aware of this because my account was hacked by a third party and I was not the one clicking those responses. For Crypto.com to allowed these transactions to go through without any safety measures. Hackers can use any authentication code and Cyrpto.com is allowing to accept this is unbelievable. 

Crypto.com did not provide all the dates that I have been consistently reaching out, it seemed as though this was solved within 3 days. This is not true, this whole process took XXXX weeks as I was reaching out everyday and customer service was not able to help and keep telling me to come back for an update. 

I also reached out and I had email confirmation that my account was used multiple attempts in trying to log in. Please see photos. 

The letter mentioned Crypto.com XXXXXXXX XXXX are non-custodial software. What does that even mean? Isnt XXXX part of Crypto.com. It has the logo and everything. 

To conclude, my account was used by another person/party and I was NOT THE XXXX selecting those responses and not aware of this is happening without my knowledge. 

Crypto.com should be in a position to reimburse with these transactions because this entire situation is unsafe as your letter stated on XX/XX/XXXX after I reached out regarding unauthorized use, you have helped me reset the XXXX authentication ( XXXX ) as this was not set before. You have customers use this platform everyday daily and theres lack of customer service support. No phone number and no email provided to customers. Online chat is useless as we dont even know if we are talking to a robot to real live support. 

Cyrpto.com to me does not want to hold accountability for these issues as there are multiple people I am sure going through this. 

Please re-consider and evaluate this issue and address this. Looking forward to discussing more if needed. 


Respectfully, XXXX XXXX Signed XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX Experian XXXX TransUnion XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Request for Deletion of Unverifiable Account Pursuant to FCRA Rights Dear Equifax, Experian, Transunion / CFPB Representative, I am writing to formally notify you of the results of a recent dispute I submitted regarding an alleged Charge-Off account : XXXX XXXX XXXX XXXX XXXX XXXX amount of {$5000.00}, that was being reported on my XXXX secondary credit report. After a full investigation, which was completed on XX/XX/XXXX, XXXX removed this account from my credit file, confirming that the account was either inaccurate, unverifiable, or both. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an investigation of a disputed item concludes that the information is inaccurate or can not be verified, the credit reporting agency must promptly delete that item from the consumers file. As Innovis has fully deleted the account, it sets a legal and factual precedent that this account can not be verified and should not continue to be reported by any other Consumer Reporting Agency.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting an unverifiable account after it has been removed by another agency for failing to meet verification standards is a violation of that provision. 

Therefore, I demand that you also delete this unverifiable account from my credit file within 30 days of receipt of this letter, in accordance with the FCRA. 

Failure to delete this account within the legally required 30-day window may result in the following actions : I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

I will explore my right to initiate legal action under 15 U.S.C. 1681n and 1681o, which entitles consumers to actual damages, statutory damages, punitive damages, and attorneys fees for willful and/or negligent noncompliance with the FCRA. 
I have included supporting documentation, including confirmation from XXXX of the account deletion, for your reference. 
Please consider this letter a formal dispute under the Fair Credit Reporting Act. I expect written confirmation within 30 days that this unverifiable item has been permanently removed from my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX Experian XXXX TransUnion XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Request for Deletion of Unverifiable Account Pursuant to FCRA Rights Dear Equifax, Experian, Transunion / CFPB Representative, I am writing to formally notify you of the results of a recent dispute I submitted regarding an alleged Charge-Off account : XXXX XXXX XXXX XXXX XXXX XXXX amount of {$5000.00}, that was being reported on my XXXX secondary credit report. After a full investigation, which was completed on XX/XX/XXXX, XXXX removed this account from my credit file, confirming that the account was either inaccurate, unverifiable, or both. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an investigation of a disputed item concludes that the information is inaccurate or can not be verified, the credit reporting agency must promptly delete that item from the consumers file. As Innovis has fully deleted the account, it sets a legal and factual precedent that this account can not be verified and should not continue to be reported by any other Consumer Reporting Agency.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting an unverifiable account after it has been removed by another agency for failing to meet verification standards is a violation of that provision. 

Therefore, I demand that you also delete this unverifiable account from my credit file within 30 days of receipt of this letter, in accordance with the FCRA. 

Failure to delete this account within the legally required 30-day window may result in the following actions : I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

I will explore my right to initiate legal action under 15 U.S.C. 1681n and 1681o, which entitles consumers to actual damages, statutory damages, punitive damages, and attorneys fees for willful and/or negligent noncompliance with the FCRA. 
I have included supporting documentation, including confirmation from XXXX of the account deletion, for your reference. 
Please consider this letter a formal dispute under the Fair Credit Reporting Act. I expect written confirmation within 30 days that this unverifiable item has been permanently removed from my credit report. 
Sincerely, 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 2025-09-11 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: IL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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