vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accountsspecifically Collections, Charge-Offs, Late Payments, and Hard Inquiriesthat were added to my credit report without my knowledge or authorization. These accounts are the result of identity theft and do not reflect any legitimate consumer transactions made by me. In support of this request, I have submitted a valid FTC Fraud Report XXXX and XXXX along with relevant supporting documentation, including evidence that my personal information was compromised in the Equifax data breach. The fraudulent accounts in question include a XXXX XXXX  XXXX credit card account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on or around XX/XX/XXXX, showing a balance of {$75000.00} ; two XXXX unsecured loans, one under account XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, for {$10000.00}, and another under XXXXXXXX XXXX XXXX XXXX XXXX, also opened XX/XX/XXXX, for {$25000.00} ; and two collection accounts reported by XXXX XXXX XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX  ), both dated XX/XX/XXXX, with balances of {$2500.00} and {$4400.00}, respectively. These entries are inaccurate and must be blocked and permanently deleted in compliance with my rights under FCRA 605B. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer XXXX Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These include a credit card opened at XXXX XXXX on XX/XX/XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$75000.00} ), two unsecured loans from XXXX on XX/XX/XXXX ( Accts : XXXXXXXX XXXX XXXX XXXX XXXX  {$10000.00} and XXXXXXXX XXXX XXXX XXXX XXXX {$25000.00} ), and two collections from XXXX XXXX XXXX on XX/XX/XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} and {$4400.00} ). These unauthorized accounts have caused fraudulent inquiries and negative reporting. I demand the immediate removal of all five accounts from my consumer credit reports and the permanent cessation of all related collection activity, as provided under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
I have asked cash app many times to send my money to my cash app account and they refuse to put the XXXX money in my account because i have told them i would file a law suite on cash app then they prolong putting the XXXX money into my account i have.called cash app over 200 times in the last two months about this and they still say that there is no money and they are lieing to me about my funds as a form of retaliation, because, I keep calling them and telling them that I'm going to Sue them and file legal action against them.This has gone on 2 months back to back this is XXXX XXXX i am. 
Submitting this report to the best of my knowledge.And I do have an account with Cash App.Thank you so much for your time.Please investigate this to the fullest level.Thank you and have a good day.Phone number is XXXX please contact me thank you and have a nice day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including Collections, Charge-Offs, Late Payments, and Hard Inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX and XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. Specifically, there are two unauthorized unsecured loan accounts reported by XXXXone under account number XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$10000.00}, and another under account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$25000.00}. Additionally, XXXX XXXX XXXX has reported two fraudulent collection accounts, both dated XX/XX/XXXX, one under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2500.00} and another with the same account number and a balance of {$4400.00}. These accounts are not mine, were opened without my consent, and must be permanently removed in compliance with FCRA 605B. I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer XXXX TransUnion credit report, which I do not recognize and which are the result of identity theft and fraud. Two accounts were fraudulently opened at XXXXone on XX/XX/XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX  {$10000.00} ) and another on XX/XX/XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX {$25000.00} ). Two additional fraudulent collection accounts were reported by XXXX on XX/XX/XXXX under Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances of {$2500.00} and {$4400.00}. These unauthorized accounts have triggered fraudulent hard inquiries and caused derogatory marks on my credit report. I demand that all four items be deleted from each of my consumer credit reports and that any related collection activity be ceased immediately, as required under the FCRA and FDCPA.

It is the credit bureaus legal obligation under the FCRA to review and block
fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-25 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:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and XXXX  exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: PA

Complaint narrative:
On XXXX XXXX XXXX, I received the following text message : This text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX account. Visit XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. SOG Ref # XXXX Reply STOP to opt out. 

I received two more text messages on XXXX XXXX XXXX and then on XXXX XXXX XXXX : We have limited time to work with you before we return your XXXX XXXX XXXX XXXX account to our client. See your options at XXXX XXXX XXXX or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out If your XXXX XXXX XXXX XXXX account is returned to our client we may not be able to renew these offers. Save up to {$430.00} in up to 6 payments when you visit XXXXXXXX XXXX XXXX or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out On Friday, XXXX XXXX XXXX I used the website provided in the text message and entered personal information to review the debt the company claimed to collect. I was provided a phone number to call and spoke to a representative who asked if I was XXXX XXXX, which is not me. They said their records were innaccurate and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-25 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
CFPB Consumer Complaint Statement Legal Narrative Complainant Name : XXXX XXXX. XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XX/XX/XXXX Summary of Complaint After thoroughly reviewing my Equifax credit report, XXXX identified unauthorized accounts and hard inquiries that were reported without my consent, authorization, or knowledge. These items are not only inaccurate but also constitute violations of multiple federal consumer protection laws, and have resulted in credit denials, financial injury, and emotional distress. 

I have made formal disputes directly with Equifax, and I am now escalating this matter to the CFPB for investigation and regulatory enforcement. 

Unauthorized Accounts Present in My Equifax Credit File XXXX XXXX XXXX Account # : XXXX Balance : {$510.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1100.00} Opened : XX/XX/XXXX These accounts were reported without my knowledge or approval. I never applied for credit with these companies, nor did I authorize any services or transactions related to these accounts. Their presence is false, damaging, and illegal. 

Hard Inquiries Made Without Permissible Purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate or authorize any of these inquiries. I contacted some of the companies listed and confirmed no applications or authorizations were submitted under my name. Therefore, these inquiries constitute unauthorized access to my consumer file in direct violation of FCRA 604 ( 15 U.S.C. 1681b ).

Laws Violated The actions of Equifax and the data furnishers involved are in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681b Unauthorized access 1681e ( b ) Failure to ensure accuracy 1681g Failure to disclose 1681i Failure to conduct reasonable reinvestigation 1681s-2 ( b ) Furnishers failure to correct inaccurate info Truth in Lending Act ( TILA ) 15 U.S.C. 1631 Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 68016809 Right to Financial Privacy Act 12 U.S.C. 3402 UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) 12 U.S.C. 5531 FCRA 609 ( a ) ( 1 ) - ( 2 ) Failure to provide supporting documentation FCRA 607 ( b ) Failure to use reasonable procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
XXXX  - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
XXXX  - I was never late on this account, please remove late payment history.

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 2025-07-25 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-25 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: MD

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-07-25 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX In Company Account number : XXXX  Date assigned : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Dear Equifax Compliance Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ) regarding several items listed on my Equifax credit report dated XXXX. I am requesting a full reinvestigation and verification of the following accounts. If you are unable to verify the accuracy of these items with documentation from the original data furnishers, they must be deleted immediately per FCRA 1681i ( a ) ( 5 ) ( A ) and corrected using Metro 2 compliance guidelines. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX ( Discrepancy : XXXX late payments vs XXXX reported on XXXX ) XXXX. XXXX XXXX Account # XXXX ( Discrepancy : XXXX late payments vs XXXX reported on XXXX  ) XXXX. XXXX XXXX XXXX  Account # XXXX For each of the accounts listed above, please provide documentation such as full account history, late payment details, and the exact dates these accounts became negative. Any information that can not be verified or that conflicts with information reported by other credit bureaus must be removed or corrected. 

XXXX Accounts : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX. XXXX XXXX XXXX Account # XXXX ( Original Creditor : XXXX XXXX ) These collection accounts are disputed due to either amount discrepancies, missing proof of assignment, or lack of legal authority to collect. I request validation under FCRA 809, including chain-of-title documentation, a signed agreement, and the last itemized statement from the original creditor. If such documentation can not be provided, you are required to delete the tradeline under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Nav Technologies, Inc.
State: PA

Complaint narrative:
15 U.S. Code 1681b governs the permissible purposes for which a consumer report can be obtained under the Fair Credit Reporting Act he consumer authorizes the report.

If a consumer initiates a business transaction ( e.g., leasing a car ), a report may be used to determine if the person meets the term

Company response to consumer: Closed with explanation