vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
DEBT VALIDATION LETTER Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, Louisiana, XXXX Debt Collector Name : Spring Oaks Capital Debt Collector Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I am reaching out to whomever this matter concerns on behalf of myself, XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that i am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer. 
I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated 2 under the FDCPA and FCRA. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt it shall be deleted and remove from my credit file immediately If adverse action is taken against me as a consumer i will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consurer by the debt collector ; and XXXX ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collecter will provide the consumer with the name and address of the original creditor Thank you for your attention in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lost Lake Finance, LLC
State: OK

Complaint narrative:
On XX/XX/year>, I received a Phone Call from Pathway Credit XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX Office XXXX  XXXX ), reporting that I haven't made a Loan Payment, regarding a Loan I took out for {$450.00}. 

I informed them this is an issue of " Identity Theft '' & I will get a Police Report & I requested Loan Documents w/ a Signature. 

I obtained a Police Report from XXXX XXXX XXXX XXXXXXXX. on XX/XX/year>XXXX XXXX XXXXXXXX Via Police XXXX XXXX XXXX XXXX XXXXXXXX, and I provided a COPY of the XXXX  Police Report to Pathway Credit Company on XX/XX/year>. 

One week later, I picked up a COPY of the Endorsement & Promise to Repay Loan ( 1 page document ), that DOESN'T have MY CORRECT TELEPHONE NUMBER or SOCIAL SECURITY NUMBER and is NOT my Signature.

I reinforced this NOT my signature & I'm a Victim of Identify Theft. They submitted this fraudulent Loan to my Credit Report, & now my Credit Report cites " I owe this company {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : credit collection Account Number : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name
of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to
promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

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 2025-04-27 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have a Cash App account. One of my friends at work planned to buy lunch for everyone and asked me for a favor. After I made the purchase, she transferred the money to me through Cash App, which was {$130.00}. 

I initiated a withdrawal to my bank account but forgot that I had an old bank account that had been closed for almost a year. I immediately notified Cash App about the incident. 

I received the money in my Cash App account on XX/XX/XXXX at XXXX XXXX. 
I made the withdrawal on XX/XX/XXXX at XXXX XXXX. 
I contacted Cash App support on XX/XX/XXXX at XXXX XXXX. 

They told me that the funds were successfully sent to my bank account the one that had been closed for almost a year. 

I went to a physical XXXX branch and spoke with both a banker and a manager. I work at XXXX XXXX, so I know you can not receive money into a closed account that's impossible. After speaking with several XXXX employees and confirming that they do not have the funds, I replied back to Cash App. However, they insisted that they sent the funds and said there was nothing they could do. 

At this point, I feel like they took my money and are not offering me any solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
I been disputing my hard inquiries on my Equifax and Trans Union due to my identity and social being stolen when my car was stolen. I have sent paperwork through the mail twice and they keep claiming they never received it. I received a letter to send ID and A Bill with address and ima attach it to this complaint so they cant say it wasnt received.

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 2025-04-27 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$19000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX {$920.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX {$53000.00} XXXX XXXX XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX {$32000.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX {$25000.00} XXXX XXXX XXXX XXXXXXXX * * * Date Opened : XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX {$13000.00}

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$380.00} XXXX XXXX XXXXXXXX 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 {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX {$10000.00} XXXX XXXX  XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$620.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$1700.00}

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 2025-04-27 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Re : Complaint Against TransUnion Illegal Reporting of Inaccurate Bankruptcy I am writing to request your assistance in compelling TransUnion LLC ( TransUnion ) to remove, block, and delete an erroneously reported bankruptcy from my TransUnion credit report.Although I have successfully had the same bankruptcy entry removed from XXXX as inaccurate, TransUnion continues to report it, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

1. TransUnions Duty to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information it reports.By continuing to publish an inaccurate bankruptcy, TransUnion has failed this mandatory duty. 

XXXX. Requirement to Reinvestigate and Correct or Delete Inaccurate Information When I formally disputed the bankruptcy entry, TransUnion was obligated under 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation and, if the information could not be verified, to promptly delete it.TransUnions failure to do sodespite my dispute and the XXXX removalconstitutes a direct violation of 1681i.

3. Time-Limit on Reporting Bankruptcies Even if the bankruptcy were accurate, the FCRA provides a strict time-limit : bankruptcies older than ten years must be purged from consumer reports.See 15 U.S.C. 1681c ( a ) ( 1 ) ( requiring CRAs to exclude bankruptcies more than ten years old ) .TransUnions continued reporting is therefore unlawful both because the entry is inaccurate and because it exceeds the ten-year statutory limit.

4. Furnishers Obligation to Update or Delete Moreover, under 15 U.S.C. 1681s-2 ( b ), any furnisher of information ( such as the court clerk or other data provider ) must, upon notice of dispute, investigate and notify TransUnion of any required change or deletion.TransUnions ongoing publication of this item indicates a breakdown in this furnishers-to-CRA process as well.

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