vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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:
My name is XXXX XXXX XXXX and I am a victim of identity theft. Several credit accounts were opened and used in my name without my authorization. These fraudulent accounts are now appearing on my credit reports with Experian, XXXX, and Equifax. 

I have already disputed these items directly with the credit bureaus and provided proof of identity theft ( including a notarized affidavit, police report, and government ID ), but the accounts have not yet been deleted or blocked. 

I am requesting the CFPBs assistance to ensure all fraudulent accounts and inquiries are permanently removed, my credit reports are corrected, and my personal information is verified and secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
On XX/XX/year>, I mailed a certified debt validation request to Portfolio Recovery Associates regarding the account they are reporting to XXXX. The letter was received and signed for, but Portfolio Recovery Associates never provided the proper validation as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). Despite this, they continue to report the alleged debt to Experian as verified, which violates both the FDCPA and the Fair Credit Reporting Act ( FCRA 611 ( a ) ), as unverified information must be deleted. 
I also disputed this account directly with XXXX but they responded that the information was verified as accurate without providing any documentation to me from Portfolio Recovery. I am requesting CFPB assistance in having this matter investigated and the unverified account removed from my credit report until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
Subject : Unverified Collection, Unauthorized Hard Inquiries, and Inaccurate Reporting Violations of FCRA 604, 605B, 607 ( b ), 611, and 623 I am submitting this complaint regarding Equifaxs continued reporting of inaccurate and unverifiable information despite prior disputes and documentation showing that I am a victim of identity theft.

1. Unauthorized Hard Inquiries ( FCRA 604 Violations ) My Equifax report shows multiple hard inquiries that I did not authorize or consent to. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I did not apply for credit, authorize, or have any existing relationship with these companies. 
These inquiries were made without permissible purpose in violation of FCRA 604 ( a ) ( 2 ) and 604 ( f ). 

Requested : Permanent deletion of all unauthorized inquiries and a reinvestigation confirming the permissible purpose for each. 



2. Fraudulent Collection Account XXXX XXXX XXXX XXXX  {$1200.00} ) Equifax is reporting a collection from XXXX XXXX XXXX with a reported balance of {$1200.00} ( as of XX/XX/year>XXXX XXXX 
I have no knowledge of this debt, have never received validation, and never signed any agreement authorizing this account.

This violates : FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known or reasonably believed to be inaccurate FCRA 611 ( a ) ( 1 ) Failure to delete unverifiable information FCRA 605B ( b ) Failure to block identity-theft-related information after proper notice Requested : Immediate deletion of the XXXXXXXX XXXX XXXX entry and confirmation in writing that it has been permanently suppressed from future reports. 



3. Incorrect or Unverified Account Information Equifax is listing multiple closed accounts and outdated entries that should be removed, including : XXXX XXXX ( Closed ) multiple listings XXXX ( {$190.00}, Closed ) XXXX ( {$0.00}, Closed ) These accounts are outdated, have XXXX balances, and remain on file with inconsistent reporting dates. Under FCRA 607 ( b ) and 605 ( a ), Equifax is required to delete obsolete or unverifiable data and ensure maximum possible accuracy. 

Requested : Permanent deletion of the closed accounts listed above, as they no longer serve a permissible reporting purpose. 



4. Identity-Theft Indicators and File Accuracy My file contains activity inconsistent with my verified financial history. I am a documented victim of identity theft, and these inaccuracies stem directly from unauthorized use of my personal information. 
Equifax has not fulfilled its duty under FCRA 605B to block fraudulent data upon notice of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
I am following up on a previous dispute submitted under FCRA 611 ( 15 U.S.C. 1681i ) regarding an unauthorized or inaccurate inquiry appearing on my credit report. Despite submitting a formal dispute along with supporting documentation, the credit bureau has not provided any meaningful update or confirmation that a reasonable reinvestigation was conducted. The inquiry remains on my credit file without any indication of how it was verified or who authorized it. This lack of action and transparency constitutes a failure to uphold my rights under the Fair Credit Reporting Act, which requires a timely and reasonable reinvestigation of disputed information. 
XXXX XXXXXXXX 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 2025-10-08 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  -- {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp is holding my number hostage and trying to force me to signup to remove my number from someone elses account. Ive talked to 3 people and two departments. Everyone says they cant remove it but I can sign up for cash app ( which I tried ) but I cant because according to them I dont own my phone number. This is fraud as I dont want to have an account with them in the first place. I just want my number removed. I have currently been on the phone with XXXX for 15 minutes but he wont transfer me to a manager because Im not a customer. He has not spoken to me in over 10 minutes because I wont stop asking for a manager. The line is just silent. Im assuming he will disconnect in the next minute as theyre about to close. Why are they allowed to be this way with my information. Plus, should I be getting all this information about the actual customer XXXX? I know how much money is sent to her everyday. Isnt that private information? Can someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: FL

Complaint narrative:
As I pulled my credit report, I noticed a closed account from self/lead bank. The late payment was suppose to be removed as payment was made. Reporting date XX/XX/year>. Its causing my credit score to tremendously drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: MS

Complaint narrative:
This letter is a formal dispute regarding the account reported under XXXX on my consumer report. The information being reported is inaccurate and must be investigated and corrected under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to follow reasonable procedures to assure maximum possible accuracy of the information they report. 
The account in question is listed as charged off and indicates that it has been sold or transferred to another lender. However, I have not received a 1099-C form from your company as required by the Internal Revenue Service ( IRS ) for any cancellation of debt. If this debt has in fact been sold or transferred, then your company is no longer the rightful owner or data furnisher of this account and therefore should not be reporting it to any consumer 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 non-monetary relief
Consumer complaint received 2025-10-08 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : 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, data breach, and fraud within 4 business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXXXXXX

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details in Dispute : 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 non-monetary relief
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I am a victim of identity theft. I discovered multiple fraudulent accounts on my credit report that I did not authorize, open, or file. 
I submitted disputes with the credit reporting agencies months ago regarding the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided proper identification, documentation, and in some cases, an FTC Identity Theft Report and/or police report. Despite this, the accounts, inquiries, and bankruptcy remain on my credit report with no proper resolution or verification. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681i Failure to reinvestigate and correct disputed items FCRA 1681c-2 ( 605B ) Failure to block fraudulent information related to identity theft FCRA 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-10-07 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: MS

Complaint narrative:
I have been diligently monitoring my credit report because maintaining a strong credit score is very important to me. However, I continue to notice multiple inaccurate and false accounts being reported under my name. This has been a recurring issue for quite some time, and despite bringing it to attention repeatedly, the problem remains unresolved. It has become incredibly stressful and exhausting to deal with, and it continues to affect both my credit standing and my peace of mind in ways that are completely unfair.

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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Mobiloans, LLC
State: TX

Complaint narrative:
XXXX accounts appear on my credit report that I believe include inaccurate details. Under XXXX USC XXXX ( b ) and XXXX USC XXXX, I have the right to a credit report that is accurate and verifiable. I am requesting a thorough review of these accounts, and if they can not be confirmed as accurate, they must be removed.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-07 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: VA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( Account Name : XXXX XXXX XXXX, Account Number : XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 
LEGAL VIOLATIONS : FCRA Section XXXX ( XXXX U.S.C. XXXX ) Lack of permissible purpose. A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

FCRA Section XXXX ( XXXX U.S.C. XXXX ) Blocking disputed information. When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within XXXX ( XXXX ) business days. I submitted such a report to the Police ( Case No. XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm. 

FCRA Section XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) Maximum possible accuracy. Equifax has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

Personal Impact : I have been denied for legitimate credit applications due to this unauthorized account. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive found collection accounts on my credit report that I believe include inaccurate information. Under my rights granted by XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to a report that is both accurate and verifiable. I request that these accounts be reviewed, and if they can not be verified, they should be removed from my file.

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 2025-10-08 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: GA

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. Pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, only accurate, complete, and verifiable information should appear in my file. I am requesting verification of these entries, and if they can not be substantiated, they should be corrected or deleted.

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