vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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:
I recently pulled a copy of my consumer reports and noticed some items reporting on my Equifax file that arent reporting on TransUnion so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX Improper Collection Reporting I dispute the XXXX XXXX collection XXXX. XXXX is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
I regularly review my credit report because maintaining my credit score is extremely important to me. However, I continue to see inaccurate and false information that has not been corrected despite my repeated attempts to have it addressed. This ongoing issue has been stressful, exhausting, and has unfairly damaged both my life and my credit score. It is unacceptable that these errors remain unresolved after being brought to your attention multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Experian Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under 15 U.S.C. 1681c-2 ( a ), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 
Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 
If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-09-16 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was going to apply for a new car loan and checked my credit report. To discover unknown accounts reporting. I have requested the original contracts from them several times with nothing. provided in return. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verify - through the physical verification of the original signed consumer contract. any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

LVNV FUNDING LLC ACCOUNT NO. XXXX ACCOUNT NO. XXXX XXXX XXXX XXXX ACCOUNT NO. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled a copy of my consumer report and notified these agencies on XX/XX/2025 about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to these agencies which included a Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX XXXX XXXX XXXX XXXX  complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations these agencies perpetrated under the FCRA, while notifying the agencies that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
According to XXXX USC XXXX You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. 
Delete account immediately for violating XXXX USC XXXX XXXX. 

Accounts attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
According to XXXX USC XXXX You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. 
Delete account immediately for violating XXXX USC XXXX XXXX. 

Accounts attached

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 2025-09-16 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc
State: IL

Complaint narrative:
More than a year ago I engaged an attorney to take a second party to court for selling me a house but not disclosing it's defects. XXXX XXXX agreed to take them to court and asked for a retainer. I paid the retainer. One month later he quit/dissolved his law firm and I stopped hearing back from him through either email or phone. No progress was made and i ended up having to represent myself in that court case. I later found that he took a job offer from XXXX XXXX XXXX at another firm named XXXX XXXX where i assume XXXX XXXX now works. They're demanding several hundred dollars claiming " phone calls = money ''. 
I've informed them no agreement exists between their firm and myself and insisted to see evidence otherwise. I also informed them that the individual, XXXX XXXX was paid in full long ago by check, which he cashed however i can prove no service was actually rendered on my half and he did NOT assist me in what i paid him to do ; Take the other party to court. 

I don't owe them anything and they should in-fact consider themselves lucky I don't have the time to insist they owe me for " having paid their employee who didn't do what i paid him to do ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report that do not belong to me. My personal information was compromised in the XXXX  data breach, and since then I have been dealing with accounts I never opened. I have already provided proof of my identity and an FTC Identity Theft Report, but these accounts are still being reported. This has left me unable to move forward financially and has caused me severe emotional distress.

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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I sent {$180.00} through Cash App to who I believed was my friend for help moving ( Transaction number : # XXXX ). A fraudster impersonated my friend using his phone number, deceiving me into believing I was sending money to my friend. At the time, the recipients display name was XXXX XXXX with a religious photo, consistent with my friends identity ( see attachment XXXX XXXX XXXXXXXX XXXX ). On XX/XX/XXXX, when the person I believed I had paid did not arrive after multiple texts and calls, I realized something was wrong. I then noticed that the same Cash App account had changed its display name to XXXX XXXX with a different photo, confirming this was deliberate impersonation ( see attachment " XXXX XXXX XXXX XXXX  XXXX '' ). 

On XX/XX/XXXX, I promptly reported the fraud to Cash App through their platform. On XX/XX/year>, Cash App denied my claim, stating they couldnt confirm this was a scam, and refused reimbursement. This denial ignored clear evidence of impersonation and treated the fraudulent transfer as valid, leaving me without protection ( see attachment Cash App Denial ). 

On XX/XX/year>, Cash App confirmed the recipient attempted a refund, but it failed due to a bank processing issue ( see attachment XXXX XXXX XXXX XXXX ). This shows the transaction was contested, undermining Cash Apps claim that it was simply completed. 

I did not knowingly or willingly authorize a transaction with " XXXX XXXX. '' I was deceived by deliberate impersonation. This is fraud by misrepresentation, not an authorized transfer. Cash App failed to protect me from fraud by impersonation, denied my claim without meaningful review, and ignored clear evidence of identity manipulation within their platform. Their actions left me fully liable for {$180.00} despite my timely report and supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-16 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: FL

Complaint narrative:
This is a formal request under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act. I am asking for a detailed description of the procedures used to verify the accuracy of the following disputed accounts, including : The name, address, and phone number of each furnisher contacted. 

The name of the person contacted during verification. 

Copies of any original contracts or documentation used. 

Your reinvestigation procedures and how accuracy was confirmed. 

Disputed Accounts : XXXX  Acct # XXXX No written consent given to report. Delete immediately under 15 U.S.C. 1681b. 

XXXX XXXX XXXXXXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX For items XXXX : No supporting documents provided. Under the doctrine of estoppel by silence ( Engelhardt v. Gravens, 281 SW 715 ), I presume the debt is invalid. Delete immediately.

Final Notice : If you can not provide all verification information within 15 days, these items must be removed immediately. Continued reporting of unverifiable information is a violation of : 15 U.S.C. 1681e ( b ) Accuracy requirements 15 U.S.C. 1681n & 1681o Civil liability Failure to comply may result in legal action and damages of {$1000.00} per violation.

Please respond promptly with the required documentation or confirmation of deletion.

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 2025-09-16 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: FL

Complaint narrative:
I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This is the only address that should show on my credit report. 
Please update my name to : XXXX XXXX XXXX. This is the only name that should show on my credit report. 
My only and correct Date of Birth is XX/XX/year>. 
My Full social security number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights. 

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.

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 2025-09-16 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a mature CD enter its " grace period '' at Citi bank. ( amount at time of maturity XXXX ) I repeatedly attempted to withdraw the funds via two previously connected external bank accounts through XXXX and XXXX XXXX. Firstly, the only option listed as an option for the CD was to roll it over into a new CD term with Citi, so I then went to 'transfers ' to move the funds and repeatedly got the message, " Looks like something went wrong. Please try again later. '' This message, along with the linked bank accounts, and the ease of transferring the funds into the account initially, left me to believe that I should be able to electronically transfer the funds. Citi did not indicate that this was not an option and that the only way to get funds was to actually call customer service and have them send me a check, which is what happened. However, by the time I was able to realize this and have time to call them, they insisted that I pay a penalty to withdraw the funds because they had rolled the funds over into a new CD. SO they held my funds hostage, made it a puzzle to get them ( I still haven't recieved them by the way and this was weeks ago ), and then fined me/stole from me when I tried to get them back. From a quick XXXX search, it sounds like others have also experienced this scam for years.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: NY

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase is now sending me harassing settlement offers inside my online banking dashboard for an account that clearly shows paid on all 3 of my Credit Report accounts. 
This erratic accounting activity is causing unneeded mental duress and needs to be remedied immediately. 

15 U.S.C. 1692d Any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. It also includes nonexclusive examples such as threatening violence, using obscene or profane language, making repeated phone calls, etc.

Company response to consumer: Closed with non-monetary relief