vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: WI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've found that XXXX has been consistently reporting my non-permissible private information. Per FERPA ( Family Educational Rights and Privacy Act of 1974 ) [ 34 CFR 99, 20 USC 1232G ], and 15 USC 6802 [ Obligations with respect to disclosures of personal information ], kindly remove and cease the reporting of all nonpublic personally identifiable information and clear the payment/transaction history of my accounts with any and all third parties, including but not limited to all types of credit bureaus and or reporting agencies, data collectors, brokers or the like.

Because of the furnishers and agencies violation 15 USC 6801 ( b ) ( 3 ) [ Protection of nonpublic personal information ], I have experienced adverse action [ 15 USC 1681a ( k ) ( 1 ) ] from humiliating denials of credit lines. By publishing my personal non-permissible information the reporting agencies are in violation of 15 USC 1681 ( a ) ( 4 ) [ Accuracy and fairness of credit reporting ] ; 15 USC 1681a ( d ) ( 2 ) ( a ) [ Exclusions ] ; 15 USC 1681b [ Permissible purposes of consumer reports ] ; 15 USC 1681c ( a ) ( 5 ) [ Requirements relating to information contained in consumer reports ] ; 15 USC 1681e [ Compliance procedures ].

Therefore, the reporting agencies, and furnishers are liable under 15 USC 1681n [ Civil liability for willful noncompliance ] ; 15 USC 1681o [ Civil liability for negligent noncompliance ] ; 15 USC 1681s-2 [ Responsibilities of furnishers of information to consumer reporting agencies ] [ FCRA : Section 623 ( a ) ( 1 ) ] ; 15 USC 6805 [ Enforcement ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report is showing outdated and incorrect personal information, including old addresses and phone numbers that no longer belong to me. This information is not accurate and should be removed. I have already updated my current address and phone number, and I am requesting that the credit bureaus delete the incorrect ones.

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 2025-08-25 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: AL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX and their refusal to accurately update my auto loan account. 

This account was resolved through a settlement and is paid in full. I owe nothing on this account. However, XXXX XXXX XXXX continues to report the account as a charge-off with late payments and an outstanding balance, which is false and damaging to my credit profile. The lender has already released the car title to me but have failed to update the credit bureaus. 

I have contacted XXXX XXXX XXXX to request corrections, but they have failed and/or refused to update the reporting. This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires furnishers of credit information to ensure all reporting is accurate and complete. 

I am requesting the CFPBs assistance in compelling XXXX XXXX XXXX to : Update this account to reflect a XXXX balance, paid in full/settled status. 

Remove the inaccurate charge-off and late payment notations. 

Provide written confirmation of the corrected reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This complaint is a continuation and rebuttal of CFPB XXXX # XXXX. Experian mischaracterized my prior dispute as potential fraud. This is not fraud. It is an inaccuracy issue under the Fair Credit Reporting Act ( FCRA ). 

Experian is reporting false late payments on my XXXX XXXX XXXX credit card account ( account number beginning with XXXX ). My Experian credit report ( Report XXXX. XXXX, generated XX/XX/XXXX ) shows a XXXX late in XX/XX/XXXX and a XXXX late in XX/XX/XXXX. However, the same report also shows the account as open, with a {$0.00} balance as of XX/XX/XXXX, and a {$230.00} payment made in XX/XX/XXXX. This sequence is chronologically impossible and factually inaccurate. 

I formally disputed this information and specifically requested the Method of Verification ( MOV ), the Automated Universal Dataform ( AUD ), and Metro 2 compliance data. Experian has refused to provide this documentation, in violation of its obligations under : FCRA 1681e ( b ) : duty to assure maximum possible accuracy.

FCRA 1681i ( a ) : duty to conduct a reasonable reinvestigation.

The companys response that there may be potential fraud is incorrect and appears to be an attempt to avoid its reinvestigation duties. There is no identity theft. This is a matter of inaccurate reporting and failure to properly verify data with the furnisher. 

I request that the CFPB require Experian to : Provide the Method of Verification ( MOV ) used in this reinvestigation. 

Provide the Automated Universal Dataform ( AUD ) submitted to XXXX XXXX XXXX. 

Provide the Metro 2 compliance data related to this account.

Correct the inaccurate late payment history immediately.

Experians failure to comply constitutes willful or negligent noncompliance under FCRA 1681n and 1681o. I respectfully request CFPB enforcement action.

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 2025-08-25 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: MI

Complaint narrative:
I am a victim of identity theft. My personal information was used without my authorization to open several fraudulent accounts, which are now appearing on my credit report. I have never applied for or used these accounts, and they were opened without my knowledge or consent. 

I submitted an official FTC Identity Theft Report, along with proof of my identity and supporting documentation, to the three major credit bureaus. I requested the immediate removal of these fraudulent accounts in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2, which requires the deletion of any account resulting from identity theft and prohibits consumer reporting agencies from including such accounts once a valid identity theft report has been submitted. 

Despite following the legal process, the following fraudulent accounts remain on my credit reports :

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 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
Subject : Urgent Wrongful Transfer Caused by Cash App Representative Instructions I am disputing a wrongful transfer caused by following Cash Apps representatives instructions. 

I have both a business and a personal Cash App account. When my Cash App card was declined, I called support. A representative informed me that I could not use the card with my business account and instructed me to transfer funds by typing in my personal XXXX, adding the note transfer, and selecting XXXX. I followed those instructions exactly. 

However, the money never appeared in my personal account. Instead, it was misdirected to a completely different Cashtag/account I never typed in, never authorized, and never intended to send money to. This error was caused by Cash Apps instructions and/or system, not user error. 

When I called back, I was told the only option was to request the money back from the unintended recipient and that a dispute would be filed. I escalated to a supervisor but never received resolution. I have a recording of my conversation with the Cash App representative proving I was following their directions to move funds between my own accounts. 

Because this error was caused by Cash Apps representative and system misrouting, I am requesting that the misdirected funds be immediately returned to my account and that Cash App review its dispute resolution process. 

Respectfully, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 



I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an Installment opened at DPT ED-XXXX on XXXX under the XXXX account number. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 





All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XX/XX/year> Re : Debt Validation Request Pursuant to 15 U.S.C. 1692g XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX To Whom It May Concern : This letter is being sent in response to your communication regarding the alleged debt referenced above. Please be advised that I dispute this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Specifically, I request that you provide : The name and address of the original creditor ; The amount of the alleged debt, with a complete breakdown of fees, interest, and charges added ; A copy of the original signed contract, agreement, or instrument that created the obligation ; Documentation showing that you are the current legal assignee or authorized agent of the alleged debt ( Flow Agreement, Bill of Sale, or Assignment of Rights ) ; Copies of all statements or billing records from the original creditor that substantiate the amount you claim ; The date of last payment or activity on this account, to ensure compliance with applicable statute of limitations. 

Until you provide the above documentation, you must cease collection activity and cease reporting this debt to any credit reporting agencies. Any attempt to collect without validating the debt is a violation of federal law. 

Please note : If you can not provide proper validation, you must immediately close this account, remove any negative credit reporting, and cease all collection activity. 

Sincerely, XXXX XXXX XXXX. 
[ Your Printed Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: FL

Complaint narrative:
I am disputing a collection account reported by XXXX because it is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). I previously sent a formal dispute letter requesting validation, including proof of contract, a complete payment history, and evidence of legal right to collect and report this debt. To date, the company has not provided proper documentation. 

Because this account can not be verified, its continued reporting is inaccurate, harmful to my credit profile, and in violation of my consumer rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation