vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am a victim of identity theft. Despite previous disputes and deletions, fraudulent accountsspecifically the account with XXXX XXXX XXXX ( Account # XXXX ) have been reinserted into my credit report without any proper notice or legal compliance, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 



Violations Cited : XXXX. FCRA 611 ( a ) ( 5 ) ( B ) A credit reporting agency is required to notify the consumer within XXXX business days of reinserting any information previously deleted due to a dispute. This notification must also identify the furnisher of the information. 
XXXX. FCRA 605B [ 15 U.S.C. 1681c-2 ] Requires consumer reporting agencies to block fraudulent information resulting from identity theft once the consumer provides : Proof of identity, A police or FTC Identity Theft Report, A statement identifying the fraudulent information. 

Despite meeting these requirements, the fraudulent XXXX XXXX XXXX account was reinserted without compliance. 



Requested Resolution : XXXX. Immediate and Permanent Deletion of the XXXX XXXX XXXX account and any other fraudulent or disputed entries listed in my FTC Identity Theft Report from all credit bureaus. 
XXXX. Written confirmation of the deletion and assurance that no further reinsertion will occur without full FCRA 611 ( a ) ( 5 ) ( B ) compliance. 
XXXX. Full restoration of my credit file and credit score, removing the impact of fraudulent information. 
XXXX. Investigation into FCRA violations by the furnishers and credit bureaus for failing to notify me of the reinsertion. 
XXXX. Prevent future reinsertions unless lawful procedures are strictly followed. 
XXXX. Compensation for damages resulting from this unlawful reinsertion and emotional distress, if applicable. 



Documentation Attached : FTC Identity Theft Report ( dated XX/XX/year> ) List of fraudulent accounts Personal statement under penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am a victim of identity theft. Despite previous disputes and deletions, fraudulent accountsspecifically the account with XXXX XXXX XXXX ( Account # XXXX ) have been reinserted into my credit report without any proper notice or legal compliance, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 



Violations Cited : XXXX. FCRA 611 ( a ) ( 5 ) ( B ) A credit reporting agency is required to notify the consumer within XXXX business days of reinserting any information previously deleted due to a dispute. This notification must also identify the furnisher of the information. 
XXXX. FCRA 605B [ 15 U.S.C. 1681c-2 ] Requires consumer reporting agencies to block fraudulent information resulting from identity theft once the consumer provides : Proof of identity, A police or FTC Identity Theft Report, A statement identifying the fraudulent information. 

Despite meeting these requirements, the fraudulent XXXX XXXX XXXX account was reinserted without compliance. 



Requested Resolution : XXXX. Immediate and Permanent Deletion of the XXXX XXXX XXXX account and any other fraudulent or disputed entries listed in my FTC Identity Theft Report from all credit bureaus. 
XXXX. Written confirmation of the deletion and assurance that no further reinsertion will occur without full FCRA 611 ( a ) ( 5 ) ( B ) compliance. 
XXXX. Full restoration of my credit file and credit score, removing the impact of fraudulent information. 
XXXX. Investigation into FCRA violations by the furnishers and credit bureaus for failing to notify me of the reinsertion. 
XXXX. Prevent future reinsertions unless lawful procedures are strictly followed. 
XXXX. Compensation for damages resulting from this unlawful reinsertion and emotional distress, if applicable. 



Documentation Attached : FTC Identity Theft Report ( dated XX/XX/year> ) List of fraudulent accounts Personal statement under penalty of perjury

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 2025-07-14 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:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS 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 2025-07-14 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
I never received any communications about this debt and never told i was owed any amount, i moved out when my lease was up. Then a few years later i get this on my credit report. I disputed with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-14 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:
To whom it may concern I have been a victim of identity theft. I opened my most recent credit report and noticed a few fraudulent items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: DE

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 non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

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 : 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 XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We have a mortgage with Mr. Cooper. At one point the home insurance company we were with did not renew as we were expecting. That caused a XXXX and a half month gap in insurance for us. In the mean time Mr. Cooper purchased their own insurance as coverage ( totally acceptable ). We issued proof that we had corrected the issue and bought new insurance. I was expecting to have to pay a month to XXXX months of the insurance Mr. Cooper had purchased. When I saw over {$2000.00} escrow added to our account for it I figured they just needed to refund the months we didn't need and we would be set. After calling they informed me that the total was actually {$11000.00}. Nearly 4 times the cost of other insurance you could find online. This is absolute robbery and we can't get anywhere with them. If you get with the regular agents they tell you they are only on the mortgage side, and you have to get with the insurance side. If you get with the insurance side they tell you they can't do anything about it because it was the insurance company they went through that charged that. When asking them " You could technically have them raise the rate to the highest amount possible and pass the bill to me '' they replied " Yes technically that is true. But this should also ensure you do not have a gap in your insurance again. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Zip Co US Inc.
State: CO

Complaint narrative:
Im trying to pay a past due bill with Zip of {$18.00} due on XX/XX/year>, but their system will not let me add my new debit card or bank account. I had to shut down my old account and replace it, but Zips app and website wont accept the new info. 

I have contacted their chat, email support, and phone line multiple times, but no one has helped me. Ive even been hung up on. They have sent me emails threatening to add on late fees and Im worried my credit will be at risk if not resolved, even though Im actively trying to pay. 

This is an unfair and harmful situation. Zip is preventing me from resolving the issue, and I want this escalated and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Dear CFPB Officer, I am submitting this complaint to request the immediate removal of a fraudulent collection account reported on my credit report by Kimball Tirey St. John, associated with an apartment complex I have never resided at. Details of the Account : Creditor/Collector : Kimball Tirey St. John
LLP XXXX XXXX : XXXX XXXX XXXX XXXX Account XXXX : XXXX Balance : {$97000.00} Date Opened : XX/XX/XXXX Status : Collection Account ( as of XX/XX/XXXX ) I am a victim of identity theft. The information connected with this debt including the address at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  and the employer XXXX XXXX XXXX is completely fraudulent. I have never lived at that address or conducted business with XXXX XXXX XXXX XXXX or Kimball Tirey St. John. 

Supporting Documentation : FTC Identity Theft Report ( Report # XXXX ) dated XX/XX/XXXX Police report filed in connection with this identity theft Dispute submitted to XXXX, which continues to reflect this illegitimate debt on my credit file Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), a consumer who provides proper identity theft documentation ( FTC report and police report ) has the right to have fraudulent information blocked from their credit report within four business days. 

Furthermore, continued reporting of knowingly inaccurate information by Kimball Tirey St. John after notification may constitute a violation of FCRA 623 and may be subject to civil liability under 616 ( 15 U.S.C. 1681n ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 am filing a formal complaint regarding inaccurate information being reported on my credit report by Equifax, furnished by the creditor XXXX. 
The reported balance on this account is {$4800.00}, which is incorrect. The correct balance should be below {$530.00}, as I have made the following payments : XX/XX/year> : {$3500.00} XX/XX/year> : {$1000.00} These payments are not reflected on my credit report, and this inaccurate balance is negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
Dear CFPB, I am filing a formal dispute against the inaccurate reporting of an account on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681.

Below are the details of the disputed item : Creditor Name : XXXX  XXXX Account Number : XXXX Reported Bureau ( s ) : TransUnion and Equifax Status : XXXX  Days Late / Past Due : {$1400.00} Balance : {$9100.00} Payment History : Reporting multiple late payments ( XXXX, XXXX, XXXX, XXXX days ) This account is being inaccurately reported. I dispute its validity and accuracy for the following reasons : 1. I am listed as an Authorized User, not the primary account holder. Under 15 USC 1681a ( k ) ( 2 ) ( A ), information from accounts for which I am not legally responsible must not be used to negatively affect my credit score or be used in a manner inconsistent with my actual credit history.

2. This account reflects severe delinquencies that I am not liable for
, as I never opened, owned, or controlled this account. Any reporting of late payments or past due balances under my name constitutes inaccurate and misleading information per 15 USC 1681i ( a ) ( 1 ) ( A ), which entitles me to an immediate reinvestigation and correction.

3. The continued reporting of this account as delinquent under my profile as an Authorized User is in violation of 15 USC 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX card was stolen. I contacted cashapp and told them about my missing card and that my money had been taken. They said I had to wait until transactions cleared. Some of those transactions have cleared. I filled a dispute with them and they denied my claim. I contacted the police and made a report with them. I gave cashapp that info and then they emailed me saying that we believe it was you or I gave my card to someone. Why would I go through the trouble of filing a claim with the police if I had done any of that. I hadn't used my card at these location before and they can see that but yet they are denying me. This doesn't make any sense. They don't listen they try their best to talk over you. They have already been caught doing the same thing before that's why they are in lawsuite. I don't know if they understand the factors of someone being robbed of there money. Because of it was their money they would want something done about it. I have my police report number also which is XXXX. I'm not understanding why my claims are being denied. The cash app people aren't doing anything about my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I am writing to formally dispute the collection account that Sequium Asset Solution is reporting to the credit bureaus regarding an alleged debt from ( XXXX XXXX ). Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with ( XXXX XXXX ), nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company response to consumer: Closed with non-monetary relief