vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-12 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-12 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
Dear CFPB, The creditor XXXX XXXX XXXX continues to report a fraudulent account to my Equifax credit report. XXXX XXXX XXXX has been blocked by other major credit bureaus such as Experian and XXXX  because not only is the account fraudulent the details reported do not make sense. The data reported shows an initial charge off balance of {$1000.00} with a current balance of {$0.00} and a charge off date of XX/XX/year> but no further payment history after that. When was the charged off balance paid to {$0.00}? Not only is this account fraud but the details reported are obviously inaccurate. Continuously reporting this fraudulent account to my credit report is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
This is my second and final notice disputing the unauthorized student loan account appearing on my credit report. As previously stated, I have never applied for, authorized, or consented to this account being opened or reported. 

Pursuant to XXXX XXXX. XXXX of the XXXX XXXX, no financial institution XXXX disclose my nonpublic personal information ( NPI ) to any XXXX XXXX XXXX without my explicit consent. Reporting this alleged student loan to your agency constitutes an unlawful disclosure of my XXXX, as no such consent exists. 

Furthermore, your failure to remove this account after my initial dispute constitutes a willful violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), which requires you to conduct a proper investigation and remove unverifiable information within the statutory time limit. 

If this account is not permanently deleted from my credit report within XXXX  days of your receipt of this letter, I will have no choice but to take the following actions : XXXX. File formal complaints with the CFPB, FTC, and my XXXX Attorney XXXX XXXX. 
XXXX. Initiate legal action seeking statutory damages under both the FCRA and the XXXX XXXX. 
XXXX. Pursue claims for actual damages, attorneys fees, and punitive damages as allowed under XXXX XXXX. XXXX and related provisions. 

Consider this your final opportunity to resolve this matter amicably. Failure to comply will leave me no option but to escalate through all available legal remedies. 

This letter is being sent via XXXX Mail to document your receipt and establish a clear record for future legal proceedings.

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 2025-08-12 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:
This is my second and final notice disputing the unauthorized student loan account appearing on my credit report. As previously stated, I have never applied for, authorized, or consented to this account being opened or reported. 

Pursuant to XXXX XXXX. XXXX of the XXXX XXXX, no financial institution XXXX disclose my nonpublic personal information ( NPI ) to any XXXX XXXX XXXX without my explicit consent. Reporting this alleged student loan to your agency constitutes an unlawful disclosure of my XXXX, as no such consent exists. 

Furthermore, your failure to remove this account after my initial dispute constitutes a willful violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), which requires you to conduct a proper investigation and remove unverifiable information within the statutory time limit. 

If this account is not permanently deleted from my credit report within XXXX  days of your receipt of this letter, I will have no choice but to take the following actions : XXXX. File formal complaints with the CFPB, FTC, and my XXXX Attorney XXXX XXXX. 
XXXX. Initiate legal action seeking statutory damages under both the FCRA and the XXXX XXXX. 
XXXX. Pursue claims for actual damages, attorneys fees, and punitive damages as allowed under XXXX XXXX. XXXX and related provisions. 

Consider this your final opportunity to resolve this matter amicably. Failure to comply will leave me no option but to escalate through all available legal remedies. 

This letter is being sent via XXXX Mail to document your receipt and establish a clear record for future legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
The following account ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$89.00} XXXX XX/XX/scrub>/2024 XXXX XXXX/XXXX/2024 XXXXXXXX XXXX XXXXXXXX/2024 XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/2024XX/XX/year> XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XX/XX/year>2024 XXXX and XXXX XXXX XXXXXXXX XXXX/XXXX/2024

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 2025-08-12 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:
The following account ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$89.00} XXXX XX/XX/scrub>/2024 XXXX XXXX/XXXX/2024 XXXXXXXX XXXX XXXXXXXX/2024 XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/2024XX/XX/year> XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XX/XX/year>2024 XXXX and XXXX XXXX XXXXXXXX XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
This dispute is not submitted in error. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy. These inaccuracies are causing significant, ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed debt collection agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt.

Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter.

regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus.

* Do not contact me at my place of employment. 
* Do not contact any third parties about this debt. 
If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. 
Please respond to this request in writing. I recommend all future communication be done via mail only. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
I recently received my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my ability to make purchases.

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 2025-08-12 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: GA

Complaint narrative:
Over the last eight months, I have been trying to get my credit report updated and accurate. I have over 19 accounts from XXXX that were reinserted back onto my credit report as of XX/XX/year>. I have hard inquiries, I did not give permission for my credit to be run. I just want them to take the time to look over my accounts. The inaccuracies are really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
On reviewing my Equifax credit report, I discovered inaccurate personal information being reported. My correct legal name is XXXX XXXX XXXX. My correct and only employer is XXXX XXXX XXXX. My correct home address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX. My correct mailing address is XXXX. XXXX XXXX, XXXX, Texas XXXX. 

Equifax is reporting an incorrect name variation, no employment information, and an incorrect address ( XXXX XXXX XXXX, XXXX, TX XXXX ) that I have no connection to. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Continuing to report inaccurate identifying information after it has been disputed violates this requirement. 

I have already contacted Equifax to request corrections and provided the correct information, yet the inaccurate data remains. I am requesting that this erroneous personal information be immediately removed or corrected, and my file updated to accurately reflect my correct identifying details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-12 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: GA

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 Services , 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/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 2025-08-12 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: MD

Complaint narrative:
XXXX a victim of identity theft due to the Equifax XXXX XXXX ( confirmed via settlement, XXXXXXXX XXXX XXXXXXXX ). Fraudulent accounts opened : XXXX. XXXX XXXX  ( Acct : XXXX, {$1900.00}, opened XXXX ) XXXX. XXXX XXXX XXXX  ( Acct : XXXX, {$0.00}, opened XXXX ) XXXX. XXXX XXXX XXXX ( {$1400.00}, opened XXXX ) and the following hard inquiries : XXXX XXXX XXXX C : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Demands per FCRA XXXX & XXXX XXXX XXXXXXXX : - Remove all accounts from credit reports. 
- Provide debt validation ( fraudulent applications ). 
- XXXX Equifax breach remedies ( Ref : XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: SC

Complaint narrative:
XXXX charged XXXX on cash app card we do not have followed by multiple transactions from different locations. On XXXX XXXX. 
The other transactions were stopped for insufficient and suspicious activity. Credit is not being provided for transactions we strongly advised never made and do not have the card. We filled out lost stolen and advised never used card proof in history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I sent a payment of {$750.00} via XXXX through my Capital One account to XXXX XXXX / XXXX XXXX. The payment was part of a fraudulent scheme, and I did not receive the promised service. I requested transaction details from Capital One regarding this XXXX transfer, but the bank has not provided the requested information. I am seeking assistance in resolving this matter and recovering the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-12 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation