vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-30 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:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I did not request any information, products, or services from these companies. 
I never applied for credit, financing, or gave authorization for them to access my credit report. These inquiries were made without my consent or knowledge, and I am disputing them as unauthorized. 

Im requesting that these inquiries be investigated and removed from my credit report, as they are negatively impacting my credit score and may be a result of fraud or a mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates 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 unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
Do to XXXX XXXX  Im a victim, my identity has been stolen and used without my consent, do to XXXX XXXX please remove all inquiry that is stated fraudulent on this report immediately thank you. 

XXXX XXXX XXXX XXXX  showing late payment XX/XX/XXXX thats inaccurate. 


These inquiries is fraudulent on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries is fraudulent on Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
Do to XXXX XXXX  Im a victim, my identity has been stolen and used without my consent, do to XXXX XXXX please remove all inquiry that is stated fraudulent on this report immediately thank you. 

XXXX XXXX XXXX XXXX  showing late payment XX/XX/XXXX thats inaccurate. 


These inquiries is fraudulent on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries is fraudulent on Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address a serious concern regarding a collection account that I believe is inaccurate and unfairly damaging my credit profile. This account does not reflect my financial history, and I have never received sufficient verification regarding its legitimacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
Equifax had a data breach, and there records indicate my personal information was impacted by there data breach. I filled a complaint on XX/XX/year>, and I can not get any help or a response about this matter. My engagement number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I dont know nothing about these accounts on my credit report would like them removed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: NC

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 XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out regarding a collection account that has been inaccurately attributed to my credit file. After thoroughly reviewing my report, it appears that this account may belong to another individual or is the result of a mixed file. I have no knowledge of this debt, and I have never conducted any business with the reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Complaint Summary : I am filing this complaint to formally dispute inaccurate and fraudulent information that is being reported under my name by Early Warning Services and the following financial institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These institutions have reported me as being involved in account abuse and fraud ; however, I am a victim of identity theft and did not open, authorize, or use these accounts. These accounts were fraudulently created and/or misused without my knowledge or consent. 



Details of the XXXX Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Checking Account Fraud XXXX. XXXXXXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Account Abuse Status : Unpaid Balance Reported XXXX. XXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Account Abuse Status : Settled ( I had no involvement in this account ) Actions I Have Taken : I submitted dispute letters directly to Early Warning Services and to each individual bank. 
I filed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). 
I filed a police report documenting the identity theft. 
I requested all supporting evidence, including signed contracts, account applications, and transaction history, under Section XXXX of the Fair Credit Reporting Act ( FCRA ). 



My Request : I am requesting that the CFPB : Investigate the failure of Early Warning Services and the reporting banks to properly verify the disputed information. 
Ensure the immediate deletion and blocking of these fraudulent accounts from my Early Warning Services consumer file. 
Require the reporting banks to provide full documentation or remove the accounts if they can not produce proof within the required timeframe. 



Why This is Important : The presence of this fraudulent information is damaging my financial opportunities and is causing unnecessary hardship. I am actively working to resolve this and am seeking CFPBs assistance to ensure compliance with the FCRA and to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Complaint Summary : I am filing this complaint to formally dispute inaccurate and fraudulent information that is being reported under my name by XXXX XXXX XXXX and the following financial institutions : Fifth Third Bank XXXXXXXX XXXX  XXXX Bank These institutions have reported me as being involved in account abuse and fraud ; however, I am a victim of identity theft and did not open, authorize, or use these accounts. These accounts were fraudulently created and/or misused without my knowledge or consent. 



Details of the XXXX Accounts : XXXX. Fifth Third Bank Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Checking Account Fraud XXXX. XXXXXXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Account Abuse Status : Unpaid Balance Reported XXXX. XXXXXXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Account Abuse Status : Settled ( I had no involvement in this account ) Actions I Have Taken : I submitted dispute letters directly to XXXX XXXX XXXX and to each individual bank. 
I filed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). 
I filed a police report documenting the identity theft. 
I requested all supporting evidence, including signed contracts, account applications, and transaction history, under Section XXXX of the Fair Credit Reporting Act ( FCRA ). 



My Request : I am requesting that the CFPB : Investigate the failure of XXXX XXXX XXXX and the reporting banks to properly verify the disputed information. 
Ensure the immediate deletion and blocking of these fraudulent accounts from my XXXX XXXX XXXX consumer file. 
Require the reporting banks to provide full documentation or remove the accounts if they can not produce proof within the required timeframe. 



Why This is Important : The presence of this fraudulent information is damaging my financial opportunities and is causing unnecessary hardship. I am actively working to resolve this and am seeking CFPBs assistance to ensure compliance with the FCRA and to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Complaint Summary : I am filing this complaint to formally dispute inaccurate and fraudulent information that is being reported under my name by XXXX XXXX XXXX and the following financial institutions : XXXX XXXX XXXX  PNC Bank XXXX XXXX These institutions have reported me as being involved in account abuse and fraud ; however, I am a victim of identity theft and did not open, authorize, or use these accounts. These accounts were fraudulently created and/or misused without my knowledge or consent. 



Details of the Disputed Accounts : XXXX XXXX XXXX XXXX  Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Checking Account Fraud XXXX. PNC Bank Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Account Abuse Status : Unpaid Balance Reported XXXX XXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Account Abuse Status : Settled ( I had no involvement in this account ) Actions I Have Taken : I submitted dispute letters directly to XXXX XXXX XXXX and to each individual bank. 
I filed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). 
I filed a police report documenting the identity theft. 
I requested all supporting evidence, including signed contracts, account applications, and transaction history, under Section 609 of the Fair Credit Reporting Act ( FCRA ). 



My Request : I am requesting that the CFPB : Investigate the failure of XXXX XXXX XXXX and the reporting banks to properly verify the disputed information. 
Ensure the immediate deletion and blocking of these fraudulent accounts from my XXXX XXXX XXXX consumer file. 
Require the reporting banks to provide full documentation or remove the accounts if they can not produce proof within the required timeframe. 



Why This is Important : The presence of this fraudulent information is damaging my financial opportunities and is causing unnecessary hardship. I am actively working to resolve this and am seeking CFPBs assistance to ensure compliance with the FCRA and to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX To Whom It May Concern, RE : Notice of Dispute and Demand for Immediate Removal of All Collection This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, regarding an alleged collection account you are reporting on my Experian credit file.

I dispute the accuracy, validity, and legal standing of this alleged debt and demand complete deletion of the account from all consumer reporting agencies, including but not limited to Experian, Equifax, and TransUnion, for the following legal reasons : 1. Failure to Validate As required under FDCPA 809 ( 15 USC 1692g ( b ) ), you must cease collection activities until you provide proper written validation of the debt, including : o Signed contract bearing my signature o Full chain of title ( proof of assignment from original creditor to you ) o Full accounting from day one o Explanation of how the amount was calculated 2. Re-aging and Reporting Violations Any inaccurate date reporting, such as updating " last activity '' to make it appear newer, is a direct violation of FCRA 605 ( c ). Such manipulation is illegal and grounds for immediate deletion.

3. Lack of Permissible Purpose Under FCRA 604, you are required to have permissible purpose to access or report my consumer data. You must prove this immediately. 
4. Emotional Distress and Damages Continued reporting of inaccurate or unverifiable accounts may be construed as willful noncompliance, making you liable for actual and punitive damages under FCRA 616 & 617 and FDCPA 813. Legal counsel is prepared to initiate a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue a private right of action.

5. 30-Day Compliance Notice If you can not fully validate the alleged account and prove your legal authority to report and collect on this debt within 30 days, you are to delete the account in full from all consumer reporting agencies or face further legal action.

You are to cease all collection efforts, calls, and reporting unless and until this matter is resolved to full federal compliance. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation