vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Equifax Information Services XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$36000.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I called twice to get this resolved. The first time they said they would resolve it. The second time they said that they could not. 

I had a promotional item. I requested that any money I spent that wasn't the promotional item be paid first. I was very careful to pay off any non-promotional items. 

Because I paid the non-promotional items BEFORE the billing cycle was over, they put it towards my promotional item - and treated my other items as interest charging. 

When I called the first time, they said that they would take off the interest charges. 

When I called the second time. They said that they could not take off the interest charges because I already paid off the promotional item, WHICH I NEVER AGREED TO DO!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
My old employer tried to charge me for equipment on a truck i didn't own and for a ticket they had to cover because it was their equipment. I have proof in a check statement and document agreement it was XXXX dollars. They sent this dispute to a debt collector and now they changed it to a XXXX dollars.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Dear Support, I am writing to request immediate assistance regarding the closure of my Cash App account, associated with Case XXXX XXXXXXXX. The account was disabled in connection with a recent security breach, but despite multiple attempts to follow up, I have not received adequate information or resolution.

To recap my efforts : Phone Support : I have called multiple times, but no representative has been able to help or escalate my case. They repeatedly state that they can not access my account, can not transfer me to a manager, and insist that I must communicate via email.

Email Support : I have emailed your support team, but I have yet to receive a meaningful response or any clear guidance on how to resolve this issue. I have also attempted to access your 24/7 chat, but since my account is closed, I can not log in.

My account contains important financial data and access to funds I urgently need. I am willing to comply with any necessary verification or security steps to reinstate access.

If this issue is not resolved promptly, I will be forced to pursue legal action to recover access and protect my financial interests. I would much prefer to resolve this matter directly with your team and avoid further escalation.

Please advise on the next steps and provide a clear timeline for resolution. I expect a response within 3 business days.

Thank you for your immediate attention to this matter. 

Email : XXXX Cash App Tag : XXXX XXXXXXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AZ

Complaint narrative:
b'On XXXX XXXX XXXX I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XXXX XXXX at XXXX XXXXXXXX XXXX XXXX, PA, per USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX This correspondence requested prompt investigation and correction or deletion of the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAfter receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XXXX XXXX reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.'

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've been in an ongoing dispute with XXXX XXXX XXXX. I've submitted several lawful payment instruments, letters, affidavits, and request for confirmation from XXXX XXXX and no reply has been received to date, in total violation of the Fair credit reporting act. My account was closed and derogatory information submitted to the credit reporting agencies ( CRAs ), even after I submitted a cease and desist, and status correction request to XXXX XXXX XXXX. I am now injured as a result of the derogatory information submitted, and it is causing an issue with my employer, current banks and account I currently have. XXXX XXXX refuses to respond to any of my correspondence, so I am requesting that the XXXX investigate the issue so that I can be made whole. I just completed a second dispute with Experian, and I will follow up with filing dispute with the other credit reporting agencies. I will compile all by correspondence and mail confirmation that XXXX XXXX received all my information sent to them, if needed. Thank you for your attention and assistance.

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 2025-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This account was fraudulent opened without my consent or knowledge. I was incarcerated when this account was opened. And I have proof of this this account should be removed immediately. Due to fact it was fraudulent and my identity was used to open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by First Federal Credit Control for {$1100.00}, originally from Emergency Physicians, appearing on my Equifax, Experian, and TransUnion credit reports. This account is reporting inaccurate, incomplete, and unverifiable information. 
Violations include : XXXX Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy. Reporting unverifiable or outdated collections violates this obligation. 
XXXX Under FCRA 1681i ( a ) ( 1 ) ( A ), a reasonable investigation must be conducted upon dispute, and must include competent evidencenot data-matching or automated responses. 
XXXX Under FCRA 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be permanently deleted from all credit reports. 
XXXX Under FCRA 609 ( a ) ( 1 ), I have the right to obtain full documentation supporting the account, including a signed application or contract, billing statements, and payment history. 
XXXX Under FCRA 611, the bureaus and furnishers must reinvestigate disputed information and respond with legally sufficient evidence within 30 days. 
XXXX Under FCRA 1681s-2 ( b ), the furnisher ( in this case, the collection agency ) must conduct a proper investigation and delete or update incorrect information after being notified of the dispute. 
XXXX Under the Uniform Commercial Code UCC 1-308, I reserve all rights and do not waive my right to pursue civil claims if this account remains without proper legal substantiation. 
First Federal Credit Control has failed to provide validation of this debt, including a signed contract and itemized statements proving liability. No wet-ink signature or account-level documentation has been provided. 
Additionally, the reporting may be affected by identity errors, including outdated addresses or incorrect name variations. If this account was attached through erroneous data linking, it must be deleted under FCRA 1681e ( b ).

I am requesting the CFPB to investigate and require First Federal Credit Control and the credit bureaus to provide legally valid evidence. If they can not provide full documentation within the required timeframe, I am requesting permanent deletion of this collection account ( Acct XXXX XXXX XXXX XXXXXXXX ) from all three credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 XXXX FL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-04 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: OK

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint concerns a new and distinct FCRA violation by XXXX XXXX XXXX  XXXX, separate from the previous re-insertion issue. 

On XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX XXXX team regarding my account ( # XXXX ) [ cite : XXXX ]. This letter was dated after the account was officially deleted from my Experian credit report on XX/XX/year> [ cite : XXXX ] and from my XXXX  report on XX/XX/year> [ cite : XXXX ]. 

The letter, titled 'Identity Fraud Information Form, ' demands that I complete a lengthy, notarized form and provide multiple forms of identification to verify a fraud claim [ cite : XXXX, XXXX, XXXX ]. 

This is a profound and willful violation of my consumer rights for XXXX key reasons : ( XXXX ) XXXX XXXX is demanding I go through a non-compliant, burdensome process to resolve a fraud claim on an account that was already deleted. ( XXXX ) The continued communication about a deleted account, coupled with an improper fraud investigation process, demonstrates a severe failure to follow reasonable procedures and a disregard for my rights under 15 U.S.C. 1681c-2 ( Blocking information resulting from identity theft ) and 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ).

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 2025-08-04 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: FL

Complaint narrative:
This complaint concerns a new and distinct FCRA violation by XXXX XXXX XXXX  XXXX, separate from the previous re-insertion issue. 

On XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX XXXX team regarding my account ( # XXXX ) [ cite : XXXX ]. This letter was dated after the account was officially deleted from my XXXX  credit report on XX/XX/year> [ cite : XXXX ] and from my Equifax report on XX/XX/year> [ cite : XXXX ]. 

The letter, titled 'Identity Fraud Information Form, ' demands that I complete a lengthy, notarized form and provide multiple forms of identification to verify a fraud claim [ cite : XXXX, XXXX, XXXX ]. 

This is a profound and willful violation of my consumer rights for XXXX key reasons : ( XXXX ) XXXX XXXX is demanding I go through a non-compliant, burdensome process to resolve a fraud claim on an account that was already deleted. ( 2 ) The continued communication about a deleted account, coupled with an improper fraud investigation process, demonstrates a severe failure to follow reasonable procedures and a disregard for my rights under 15 U.S.C. 1681c-2 ( Blocking information resulting from identity theft ) and 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ).

Company response to consumer: Closed with non-monetary relief