vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the late payment reported on my credit file, as it is inaccurate and does not reflect my consistent history of on-time payments. This false entry misrepresents my financial responsibility and unjustly harms my credit profile.

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 2025-09-15 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: CA

Complaint narrative:
After conducting a thorough examination of my credit file, I have identified several late payment entries that I believe to be inaccurate or unsubstantiated. More than thirty days have elapsed since I initially contacted the creditors requesting proper documentation and verification of these reported delinquencies, yet they have completely failed to respond or provide adequate proof of the alleged late payments. This lack of communication and failure to validate these negative marks violates my rights as a consumer and undermines the integrity of my credit profile.

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 2025-09-15 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A late payment showing on my account is incorrect and should be looked into immediately. I appreciate your prompt attention to this matter.

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 2025-09-15 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: CA

Complaint narrative:
Several accounts currently appearing on my credit file are the result of criminal identity theft activities, and at no time did I authorize, apply for, or consent to the establishment of these fraudulent accounts. These illegitimate entries have created devastating consequences for my financial well-being, including denial of credit applications, increased interest rates, and rejection for rental housing. The emotional toll of dealing with this ongoing fraud has been overwhelming, affecting my sleep, mental health, and overall quality of life. These false accounts have also prevented me from qualifying for essential financial services and have damaged relationships with legitimate creditors who view my report as indicative of poor financial management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
Multiple unauthorized credit accounts have infiltrated my consumer file as a direct consequence of identity theft crimes, and I categorically deny any involvement in opening, applying for, or authorizing these fraudulent entries. The perpetrators of this identity fraud have systematically damaged my creditworthiness, resulting in loan rejections, elevated interest rates on legitimate credit products, and denial of essential services like utilities and telecommunications. Beyond the financial implications, these false accounts have created profound psychological distress, forcing me to constantly monitor my credit, dispute erroneous information, and defend my reputation with creditors who view me as a financial risk. The ripple effects have prevented my family from securing stable housing, obtaining vehicle financing, and accessing other critical financial services necessary for daily life.

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 2025-09-15 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
made a payment to a a guy online for work rendered. I used a name for the site we were on so he would recognize the transaction as mine. cash app froze my account shortly after and stated that I need to reply to the email and explain the transaction. 
So i did only to realize they also had a time limit for my response. 
So after multiple calls to try and reopen the account, XXXX of the reps i spoke to says they boted that i was rude on a previous call so obviously company Cashapp has empoyees that dont understand when bills are due and money is needed to pay them, thats being retained Forcefully and intentionally its overwhelming and stressful. 
So its my conclusion that cashapp dont have any concern for their customers wellfare or at least not enough for a quick solution. They seem to want to let my bills and late payments stack up in response to what my being rude in conversation? 
Bottom line is I need that money Cashapp is costing me more money so I am going even further in debt as this continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Kik off XXXX XXXX XXXX  Subject : Dispute of Inaccurate Late Payment Reporting under FCRA Dear [ Credit Bureau Name ], I am formally disputing the late payment notations being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. 

The account in question is : Creditor : [ Insert Creditor Name, e.g., Kikoff or lender ] Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXhis account is being reported with late payments for XXXX, XXXX, and XX/XX/XXXX. I dispute these entries because : 1. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or reasonably should know is inaccurate.

2. The Consumer Financial Protection Bureau ( CFPB ) and case law establish that furnishers must maintain procedures to ensure maximum possible accuracy. Reporting late payments without verifiable evidence of delinquency constitutes inaccurate reporting. 
3. FCRA 611 ( 15 U.S.C. 1681i ) requires the credit reporting agencies to conduct a reinvestigation when a consumer disputes the completeness or accuracy of information.

I am not requesting the account be deleted, as it is valid and open. However, I demand that the late payment notations be corrected and reversed to reflect an on-time payment history, as the current reporting is inaccurate, harmful, and unlawful.

Unless the creditor can produce original documentation proving I was 30/60/90+ days late with proper notice, these late marks must be removed. 

Please update my credit report accordingly and provide me with a corrected copy once this correction has been made. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX I rented a car from XXXX XXXX XXXX. XXXX XXXX XXXX didnt take the money out my account until XXXX XXXX In all I had the rental car for 17 days. When I returned the vehicle. I was waiting on my XXXX XXXX dollars deposit back. I reached out to XXXX XXXX XXXX they gave me the invoice where the XXXX XXXX dollars was reversed back into my account. Wells Fargo is saying I owed XXXX XXXX that money. Which I have given permission for XXXX XXXX assistance to be on the phone with me to tell Wells Fargo that they reversed the payment back into my account. I rented another car while waiting for the issue for the XXXX XXXX to be resolved on XXXX XXXX and on XXXX XXXX XXXX charged me XXXX. 
I have yet received this XXXX XXXX dollars deposit back. Wells Fargo is saying it only shows a XXXXXXXX XXXX XXXXXXXX dollars and XXXX XXXX XXXX. But XXXX XXXX has a record of the whole amount. I been dealing with this since XXXX and every time I called they are Rude and try to make me think Im crazy.

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 2025-09-15 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I've called XXXX XXXX XXXX to remove collection from account several times like 2 years in a row to have item removed from credit recently this year when I called i learned that it was sent over to XXXX XXXX firm where they was told XXXX not the responsible party and not to sue me for the debt this has held me up from moving and it's been on my credit for the last XXXX or 5 years and I've attempted to even pay off and the issues still wasn't resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MO

Complaint narrative:
I made a payment to Eastern Account Systems for a debt that I had on XX/XX/XXXX. They told me it might take 2 days to process the payment and they would immediately send me the payment confirmation/ paid in full letter. I called back on XX/XX/XXXX for the first time and they said they are sending in a request and I should have the email XXXX hours. The email never came, so I called back the next day and it was the same situation for XXXX different times. " We will request the email right now and you should have it in XXXX hours ''. Finally I called on XX/XX/XXXX and gave them a new email as they kept saying they sent the last ones. XX/XX/XXXX came and I never received the email. I called again on XX/XX/XXXX and they said they only sent the email twice in the last XXXX  days and then she turned the story around and said " ohh we didn't send an email, we sent a letter and you should have it in 10 days ''. They just keep lying to me and giving me a run around for no reason. I have proof that I made the payment on my account and I have the call recording that they state I made my payments. Please I just want the letter, it is all I need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: NJ

Complaint narrative:
I got two letters from the debt collection company Media Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX saying that I owed money for XXXX  XXXX XXXX accounts and they had no proof that I spent that money or those accounts were legitimate. When I called, they said to file a police report but I couldnt do it with the FTC it had to be with my local department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These mistaken accounts must be removed within 15 days under USC 1681g.

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