vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Unauthorized Inquiries to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
: Request for Reinvestigation and Procedural Information Account Name : XXXX XXXX XXXX Account # XXXX Dear XXXX, This is a formal request for reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) and procedural disclosure under 15 U.S.C. 1681i ( a ) ( 7 ).

The above-referenced account was recently deleted by Equifax after investigation, confirming that the furnisher could not verify or validate the information. This constitutes new and relevant information that requires you to reinvestigate your reporting.

Please provide : 1. The name, address, and contact information of the furnisher who verified this account ; 2. The method of verification used in your prior investigation ; and 3. Confirmation that you have reinvestigated based on the updated data from Equifax.

If the furnisher can not verify all account details, including dates, ownership, and balance, this account must be deleted immediately under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Failure to comply will constitute a willful violation 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 2025-10-06 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: IL

Complaint narrative:
Cash App. It was XXXX XXXX my card was hacked a sent XXXX to someone I never sent my money too. They failed to replace my money it was my XXXX  tax return that was taken from me. I filed a dispute for it an everything else still to this day they havent gave me my money back aj I didnt authorize the transaction at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year> XXXX XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year> XXXX XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XXXX XXXX XXXX  Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year> XXXX & XXXX Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year> XXXX XXXX XXXX  Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year>

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 2025-10-06 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: MN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX  and their reporting of inaccurate information to my credit file. This reporting is in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Standards, and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). 
Complaint Details : XXXX. XXXX XXXX  Account # XXXX Date Opened : XX/XX/year> Balance : {$100000.00} Issue : False late payment reported ; account unverifiable. 
Details : I have never made late payments on this account. All payments have been timely, or there is no record of delinquency. The reporting by XXXX XXXX  is inaccurate and damaging to my creditworthiness. I have requested Experian to provide full, verifiable documentation from the original data furnisher, including complete payment history, but no adequate proof has been provided.

Impact : This false reporting has harmed my credit score and my ability to obtain financial products on fair terms. It also violates federal law regarding accurate reporting and consumer protection.

Requested Resolution : Investigate the accuracy of this account reporting immediately.

Provide full documentation verifying the alleged late payment, including signed agreements and payment history.

If verification can not be provided, delete the account from all credit reporting agencies under FCRA 611.

Legal Basis : FCRA 607 ( b ) : Duty to assure maximum possible accuracy FCRA 611 ( a ) : Requirement to reinvestigate disputed information within 30 days XXXX XXXX Standards : Guidelines for accurate and compliant reporting FDCPA 807 ( 8 ) : Prohibition against communicating false credit information ( if applicable ) Enclosures : Copy of government-issued ID Proof of current address ( utility bill ) I request that CFPB take action to ensure compliance with federal law, and I expect formal acknowledgment of this complaint and updates regarding its resolution.

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 2025-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My XXXX store card on XX/XX/year>. 

Several Fraudulent charges were made the amount are {$530.00}, {$310.00}, {$9.00}. ( totaling {$850.00} ) After contacting Synchrony on XX/XX/year> I informed them of the above Fraudulent Charges spoke to several people on several different occasions for the last several weeks. Only to be informed that it will take 60 days for to contact me. 

They have not taken the fraudulent charges off my balance while they do their research.

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 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX sent me to collections, Automated Accounts , INC in XXXX of XXXX requesting that I pay for service ( XXXX ) rendered by them. I did not request any service ( XXXX ) or see any service ( XXXX ) done within the area of my property. Automated Accounts, INC. is sent me a statement showing that I owe {$150.00} for a service on XX/XX/XXXX and {$460.00} for a service on XX/XX/XXXX. There is no receipt or itemized statement of the service ( XXXX ) that caused the bill to incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-06 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: MA

Complaint narrative:
I am writing to follow up on my previous letter dated XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card account Number XXXX. To date, I have not received confirmation of the correction nor observed any changes in my credit report.

This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ),

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Transworld Systems Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Debt Validation / Notice to Cease Reporting Until Verified To Whom It May Concern, I am writing in response to a notice or credit report entry indicating that your company claims I owe a debt. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Please provide the following information so that I may verify the legitimacy and accuracy of this account : 1. The name and address of the original creditor.

2. The original account number associated with the debt.

3. The date the alleged debt was incurred and the date of last payment.

4. A complete itemized statement of the amount claimed, including principal, interest, fees, and any other charges.

5. Documentation bearing my signature that clearly shows I agreed to assume this debt. 
Proof that your company is authorized to collect in my state and that you have been legally assigned or purchased this account. 

Until these items are fully provided, you are required under the FDCPA to cease all collection activities, including reporting or verifying this account with any credit reporting agencies ( XXXX XXXX XXXX, or XXXX ). 

If you can not provide full validation, or if you continue to report unverifiable information to the credit bureaus, it will constitute a violation of both the FDCPA ( 15 U.S.C. 1692e and 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), which prohibits reporting inaccurate or unverified information.

If the account can not be validated, I request that it be immediately deleted from all credit reporting agencies and that you provide written confirmation of this action. 

Please note that this is not a refusal to pay, but a request for validation of the alleged debt. I expect your response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-06 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Nothing didn't receive anything credit bureaus keep reporting it on my credit without any verification

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 2025-10-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Through the Equifax settlement, I received a XXXX electronic prepaid card and loaded this onto the recommended XXXX XXXX  for use. I have attempted to use it at stores by charging the actual amount or even online. I am unable to use it and find it interesting that others are experiencing the same issue. I rather a paper check be mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
( LATE PAYMENT ) I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply 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 2025-10-06 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-06 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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