vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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 a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
company said i open an account with them & this is inaccurate. When I contacted them, they couldn't validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Number : XXXX, XXXX, XXXX, ( XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Im filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which voiates consumer financial protection act ( CFPA ) specifically cash app failed to take a timely and effective measures to prevent and address fraud to their platforms leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply error resolutions requirements under the electronic fund transfer act ( EFTA ) and regulations E. These action 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 2025-08-19 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-19 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: GA

Complaint narrative:
I am filing this complaint because Equifax has been reporting multiple inaccurate and harmful items on my credit file. These errors have caused significant damage to my creditworthiness, denied me fair access to credit opportunities, and created unnecessary financial hardship. Despite my previous attempts to dispute these inaccuracies directly with Equifax, they remain unresolved. 

First, Equifax is reporting an address that is not and has never been associated with me : XXXX XXXX XXXX, XXXX, NC XXXX. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in the information they report. Including a wrong address creates confusion, suggests potential mixed files or identity issues, and compromises the integrity of my credit profile. 

Additionally, several accounts are being reported inaccurately : XXXX XXXX  ( Opened : XX/XX/XXXX, XXXX : {$17000.00} ) This account reflects late payments that are not accurate. These negative entries are damaging my payment history and are not supported by complete or verifiable records. 

XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX, XXXX : {$7900.00} ) Reported as a charge-off, but this information is incorrect and not fully substantiated. 

XXXX XXXX XXXX. ( Opened : XX/XX/XXXX, XXXX : {$990.00} ) Reported as a charge-off in error. 

XXXX  XXXX ( Opened : XX/XX/XXXX, XXXX : {$1800.00} ) Reported as a charge-off without proper verification. 

XXXX XXXX ( Opened : XX/XX/XXXX, XXXX : {$10000.00}, and Opened : XX/XX/XXXX, XXXX : {$2900.00} ) Both accounts are being reported as charge-offs, which is inaccurate and misleading. 

XXXX XXXX XXXX ( Opened : XX/XX/XXXX, XXXX : {$11000.00} ) Incorrectly listed as a charge-off. 

These errors violate FCRA 611, which obligates Equifax to conduct a reasonable reinvestigation when a consumer disputes information. Instead of properly verifying or correcting these accounts, Equifax continues to report false and incomplete data. This is negligent and harmful, as the FCRA places strict responsibility on credit bureaus to ensure accuracy. 

The repeated reporting of inaccurate charge-offs and late payments paints a false picture of my financial responsibility and has directly led to credit denials, higher interest rates, and emotional distress. Equifaxs failure to correct these mistakes despite disputes demonstrates a lack of compliance with federal law. 

I am requesting the CFPB to step in and ensure Equifax deletes or fully corrects the inaccurate information listed above. Consumers should not be forced to live with false credit reporting that directly impacts their financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Wells Fargo accounts belonging to my XXXX sons and I were hacked and robbed. Wells Fargo said the money would be returned within XXXX XXXX. So far they have returned about half the money. It has been XXXX weeks now and all my attempts to contact them about this problem have been met with complete ignorance and incompetence. I have spent hours on the phone, and talked with over XXXX bank employees trying to reach someone with knowledge and accountability to find out the status. I have never found such a person who could answer the simplest questions : - What is the status of my money being returned? 
- What is happening with this investigation? 

I filed a complaint within the Wells Fargo, and they're so concerned with my situation that they will call me sometime in the next XXXX XXXX. It has been XXXX days so far but based on their actions so far, I have no confidence that I will hear from a knowledgeable, accountable employee. I need to be made whole and they need to be accountable for the suffering they caused.

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 monetary relief
Consumer complaint received 2025-08-19 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: SC

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-19 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-19 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am creating this complaint because there are several unauthorized accounts that are negatively reporting and harming my credit profile. There are also Names and addresses listed on my report with the 3 major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) that are incorrect as well. I will be listing the names and the accounts. I need help as i am exhausted. These are all false. Names to remove : XXXX XXXX update to XXXX XXXX XXXX Addresses to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employers to remove : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCCOUNT # XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$680.00} XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX  ACCOUNT XXXX  ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3000.00} & MORE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am creating this complaint because there are several unauthorized accounts that are negatively reporting and harming my credit profile. There are also Names and addresses listed on my report with the 3 major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) that are incorrect as well. I will be listing the names and the accounts. I need help as i am exhausted. These are all false. Names to remove : XXXX XXXX update to XXXX XXXX XXXX Addresses to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employers to remove : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCCOUNT # XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$680.00} XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX  ACCOUNT XXXX  ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3000.00} & MORE

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 2025-08-19 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report. All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and deleted from my report as soon as possible.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I requested a debt validation letter from Resurgent for the aforementioned debt. They sent me an account summary which said it validates the debt. There is no permission to assign the debt to LVNV Funding LLC included. They have also assigned the debt to a XXXX party, XXXX XXXX XXXX XXXX, who is now reporting the same debt simultaneously. 

XXXX XXXX XXXX XXXX XXXX XXXX have held that a mere account summary or statement is not enough. 

True validation should include : Original creditor name and address Chain of assignment from original creditor current owner ( LVNV ) servicer/collector ( Resurgent ) Proof that the debt was legally transferred or sold Itemized accounting of how the balance was calculated By sending only an account summary, Resurgent avoided providing the chain of title showing LVNV Funding LLC has the legal right to collect. Thats a violation of FDCPA 1692g ( failure to validate ).

Company response to consumer: Closed with explanation