vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TN

Complaint narrative:
This company has purchased debt from another company. Once the new company purchases the debt, the debt no longer belongs to that consumer. Unfortunately, when the new company purchased that debt, is now the owner of that debt. Therefore, this company owes XXXX XXXX this amount, not me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit file and to request an immediate block of such information pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B. I am a victim of identity theft, and I have not authorized any of the accounts or inquiries in question.

I have filed an identity theft report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. Enclosed are copies of both reports for your records and review. 

According to the FCRA, you are required to block the fraudulent information from my credit report within XXXX ( XXXX ) business days of receiving this request, identity theft report, and my proof of identity. 

Please ensure that any accounts, inquiries, or other information resulting from the identity theft are permanently removed from my credit file. I am also requesting a copy of my updated credit report once the block has been applied.

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 2025-06-17 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I received a call from a company called XXXX XXXX XXXX claiming they are collecting a debt for XXXX XXXX. At this time, I told them I did not have a XXXX account and let them know I would call XXXX to get more information. On XX/XX/XXXX I spoke to XXXX and verified that there was no prior debt because I have never had a XXXX mobile account. I was told by XXXX directly that they believe this is a fraudulent account. I immediately froze my credit at all bureaus to be safe. I was alerted to a new collections account via checking my credit report on XX/XX/XXXX and disputed the fraudulent account via each bureau. The debt owed is stated to be {$1600.00} and the company was called Credit Control LLC. XXXX resolved and removed the fraudulent account on XX/XX/XXXX while XXXX and XXXX still have not.

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 2025-06-17 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: PA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Reinvestigation Pursuant to FCRA XXXX XXXX XXXX ( Account # XXXX XXXX XXXXXXXX ) RE : Equifax report number # XXXX To Whom It May Concern, I am writing to request a formal reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding your recent dispute response concerning the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Dispute Result : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : * ADDITIONAL INFORMATION, * CLOSED DATE, * HISTORICAL ACCOUNT INFORMATION. 

While you claim the item has been verified, your response fails to adequately address the basis of my original dispute. Updating non-substantive fields such as Additional Information and Closed Date does not satisfy your obligation under the FCRA to validate the accuracy, completeness, and verifiability of the disputed information. 

Legal and Procedural Deficiencies : No description of the method of verification was provided, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

The fields updated do not relate to or resolve the underlying dispute issue, and there is no proof that XXXX XXXX XXXX provided original documentation to substantiate the accounts accuracy. 

Under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct an investigation and verify disputed information using original account-level documentation, not just automated data-sharing platforms. 

Formal Request for Action : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you : Initiate a reasonable reinvestigation using actual, verifiable documentation from the original creditor ( XXXX XXXX XXXX ). 

Provide me with a written statement describing the procedures used in your verification process. 

If XXXX XXXX XXXX can not furnish original, signed, or legally binding documentation confirming the accounts accuracy, you are required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to delete this item from my credit report.

Please respond to this request in writing within the 30-day statutory window as outlined in the FCRA. 

Thank you for your attention to this matter. I expect full compliance with federal law and proper correction of my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Well, I would like compensated from the day. I signed up till now because theyre using virtual customer service instead of a real person and I think thats illegal so I never got to fix any problems as far as compensation or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
I am a victim of identity theft. These items are not transactions conducted by me as a consumer. XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  removed from my credit report.

I am writing to formally dispute certain entries on my credit report regarding student loans. Specifically, I am disputing the accuracy and legitimacy of these entries due to a breach of the Family Educational Rights and Privacy Act ( FERPA ) that I believe is linked to practices involving XXXX XXXX. 

As you may know, FERPA protects the privacy of student education records, and any unauthorized disclosure of such information constitutes a violation of my privacy rights. The presence of these student loan entries on my credit report, under these circumstances, is unfounded and unjust.

I request that you investigate this matter and take the necessary steps to remove these entries from my credit report, as they are inaccurate and a violation of my rights.

Please inform me of the outcome of your investigation and provide a copy of my updated credit report once the inaccuracies have been corrected. 

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 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you Equifax credit bureau , 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 with XXXX XXXX on XX/XX/XXXX with a balance of {$5700.00}, a personal credit card account opened with XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$20000.00}, a utility account with XXXX  XXXX in XXXX totaling {$1200.00}, and a XXXX XXXX  person credit card opened XX/XX/XXXX with the balance of {$4800.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

Furthermore, the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint 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 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 2025-06-17 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 disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have accounts on my report that shows XXXX balance but still shows up as a collection. I have tried to reach out to the company and hire a lawyer to remove these accounts, to no avail.

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 2025-06-17 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:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am disputing both a reported late payment and one or more hard inquiries that appear on my credit report. 

First, the late payment reported by XXXX XXXX XXXX for XX/XX/year> is inaccurate. I have always made my payments on time, and I believe this entry was made in error. I never received any notification of a missed or late payment, and I have no record of a delinquency. Additionally, I have strong reason to believe that this may be due to a processing or reporting error on the creditors side. This false reporting is negatively affecting my credit and is not reflective of my true payment behavior.

Second, there are unauthorized hard inquiries on my credit report from [ Company Name ( s ) ], dated around [ insert dates if known ]. I never applied for any credit product or service with these companies, nor did I give permission for them to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), no hard inquiry should be made without my explicit consent. 

These entries are causing significant harm to my credit profile. I request the immediate deletion of both the inaccurate late payment and the unauthorized hard inquiries. If documentation can not be provided proving my consent or the accuracy of the reporting, these items must be permanently removed in compliance with federal law. 

I am available to provide further information if necessary and request that this matter be handled promptly.

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 2025-06-17 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:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) 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 2025-06-17 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: TX

Complaint narrative:
Please remove the following inquiries from my credit report. I did not grant my permission for these companies to gain my personal information : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. 
Please remove this previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following late payments and accounts as there has not been any factual disputes : XXXX XXXX XXXX. This account has been charged off since 2022 meaning the company has received the tax credit for this. Please be advised : 1. No Authorization to Publicly Display Personal Information Under the Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) and its Privacy Rule, financial institutions must ensure that personally identifiable financial information is not disclosed to third parties without explicit consent. I did not authorize any third party, including credit reporting agencies, to publicly display or disseminate my personal credit history, including late payments. This constitutes a violation of my financial privacy rights. 2. Violation of FCRA Inaccurate and Unverifiable Reporting Per 15 U.S.C. 1681c ( a ) of the FCRA, negative information such as late payments may not be reported beyond seven years from the date of the first delinquency. Any account that is past this time frame must be deleted. Additionally, FCRA 1681i ( a ) requires that any disputed item that can not be verified by the furnisher of the information must be promptly deleted from the consumers file. 3. No Legal Obligation or Contract with Credit Bureaus I have never entered into any contractual agreement with your agency granting permission to collect, store, report, or distribute my personal credit information. The unauthorized reporting and dissemination of my personal and financial data is being done without my informed consent, and therefore must cease immediately. 4. Violation of My Right to Privacy and Consumer Protections Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), consumers are protected from unfair, deceptive, or abusive acts or practices ( UDAAPs ). Reporting inaccurate or unauthorized information, especially without proper validation or consent, is considered an abusive practice and is subject to regulatory enforcement. My police report # is XXXX

Company response to consumer: Closed with non-monetary relief