vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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:
Heres your ready-to-mail follow-up CFPB dispute letter with your information and the specific companies included : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Follow-Up Fraudulent Hard Inquiries & Collection Accounts To Whom It May Concern, This letter is a follow-up to my previous complaint regarding fraudulent entries on my credit reports. Despite my initial dispute, my credit reports still contain hard inquiries and collection accounts that I did not authorize and did not open. These items are the direct result of fraudulent activity and identity theft.

The fraudulent accounts and inquiries currently showing on my credit reports include, but are not limited to : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX I have never applied for credit with these companies, nor have I authorized them to access my credit file. These actions violate the Fair Credit Reporting Act ( FCRA ) Section 604 and are damaging my credit standing.

Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting immediate action to : 1. Remove all fraudulent hard inquiries from my credit reports.

2. Delete all fraudulent collection accounts not incurred by me.

3. Provide written confirmation that these items have been permanently removed.

For your reference, I have re-attached the following documents : A copy of my government-issued identification.

A recent utility bill for address verification.

My prior dispute letter dated [ Insert Date of Original Dispute ].

I am requesting urgent resolution to prevent further harm to my credit profile. Failure to act within the legally mandated investigation period may result in additional complaints and potential legal action.

Thank you for your immediate attention to this matter. I expect a written confirmation once the fraudulent items have been deleted. 

Sincerely, XXXX XXXX [ Signature ] -- - If you want, I can now make a CFPB online complaint version of this letter so you can copy and paste it directly into their website form thats usually faster than mailing. Would you like me to prepare that next?

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 2025-08-14 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NV

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/year>, I discovered that an account reported under XXXX  on my credit reports is not mine. The original creditor ( XXXX ) sold the account to XXXX XXXX XXXX yet it continues to appear under XXXX  inaccurately. I have never opened or authorized this account, and it is the result of identity theft. 

I submitted a dispute to XXXX, including my FTC Identity Theft Report ( No. XXXX ), proof of identity, and supporting credit report documentation, requesting that the account be deleted or corrected. Despite this, the account remains inaccurately reported under XXXX  on my credit reports, negatively impacting my credit score. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) : 605B / 609 ( e ) A consumer reporting agency must block the reporting of fraudulent information within XXXX business days of receiving appropriate identity theft documentation. 
611 ( a ) Requires a reasonable investigation and deletion of information that can not be verified as accurate. 
623 ( a ) ( 1 ) ( A ) Prohibits furnishing information that is known, or reasonably believed, to be inaccurate. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), debt collectors must cease collection activity until they provide validation of the debt. 

I am requesting that the CFPB investigate XXXX XXXX XXXX  and require them to delete this fraudulent / inaccurate account from all credit bureaus in compliance with the above laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: 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  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 2025-08-14 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
XXXX Debt Validation & Immediate Deletion Demand  Filed via CFPB Complaint Portal\nI am filing this complaint to dispute the validity, accuracy, and continued reporting of a collection account by XXXX XXXX XXXX  and Sunrise Credit Services on my consumer credit reports. This account is causing direct and ongoing harm to my creditworthiness and financial standing.\nReported Account XXXX Agency: XXXX XXXX XXXX  and Sunrise Credit XXXX  Number: Its noXXXX XXXX XXXX Opened: XXXX  to my rights under FDCPA 809 [15 U.S.C. 1692g] and FCRA 611 [15 U.S.C. 1681i], you are hereby required to provide full and complete validation of this alleged debt. Your validation must include, at a XXXX copy of the original signed agreement bearing my signature, establishing that I am legally obligated for this XXXX full itemized accounting and payment history showing how the alleged balance was XXXX of your current legal right and authority to collect and report this debt, including a complete chain of title from the original XXXX proving the information you are furnishing to all credit reporting agencies is accurate, complete, and compliant with the XXXX you cannot produce complete, verifiable documentation within XXXX  days of receipt of this complaint, you are required by law XXXX delete this account from all consumer credit reporting agencies to which you have furnished it; XXXX all collection activity regarding this alleged debt.\nFailure to comply will be treated as a willful violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. I will pursue all available legal remedies, including but not XXXX XXXX additional complaints with the Consumer Financial Protection Bureau and my State Attorney XXXX a complaint with the Federal Trade Commission; XXXX statutory damages in a court of competent jurisdiction for each XXXX are on notice that the CFPB will be monitoring your response. I expect a written confirmation of XXXX debt XXXX XXXX confirmation of deletion from all credit reports.\nThe clock is running  you have XXXX  days from receipt of this CFPB complaint to XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was scammed out of for a total of {$6300.00} thru Cash App. The scam started at XXXX for {$200.00} by Cash app as a XXXX XXXX XXXX $ XXXX ) on XX/XX/XXXX and today on XX/XX/year> XXXX XXXX as per by XXXX statement by Cash App. The next withdrawal was for {$100.00} by a Trexnton R, XXXX XXXX on XX/XX/XXXX but on XX/XX/year> XXXX XXXX. On XX/XX/XXXX another withdrawal of {$500.00} was made at XXXX, {$500.00} at XXXX, then {$500.00} at XXXX, {$500.00} at XXXX and every other minute for {$500.00} at a time until {$6300.00} was stolen. I reported this scam on the same day XX/XX/XXXX to cash app and was told not to worry but their investigating team would take care of this and gave me a case # XXXX. As per just one of many cash app employees the first person was XXXX showing an amount of only {$6000.00}. I am also including the documents not only for the {$6000.00} but now as per cash the {$200.00} and then the {$100.00} totaling {$6300.00}. Cash app originally denied the dispute as said it was closed and that I was responsible. I filed an appeal by XXXX with the case # XXXX. This case number was also denied and even though Cash App admitted it was a fraud but said it was still my fault and I totally dispute this claim and especially when they said the device was in my possession that made these withdrawal but is a lie. The original amount they claimed was for {$5800.00} for 13 transactions but today they show as per their own XXXX statement to me it was a total of {$6300.00}. Again on XX/XX/XXXX they show a XXXX XXXX and cash app admitted that I did not know this individual ( $ southsideforexer ) but to day on XX/XX/year> as a XXXX XXXX. I am including Cash app original reply as per XXXX XXXX the statement for XXXX as XXXX XXXX. On XX/XX/XXXX not only did I report this scam but also blocked this XXXX XXXX on XX/XX/XXXX but now it shows shows in XXXX as XXXX XXXX. The documentation I will be including will show the scam and that I do not know this person and including where cash app encourages you to use your debit card. I also am including where I informed XXXX of the scam and they said these withdrawals were pending but they could not do anything until it posted. XXXX said between their investigating team and Cash app that my money should be back in my account within 7-10days which has not happened. I am also including a XXXX XXXX Florida XXXX department case number ( BSOcasenumber # XXXX They said immediately this is blatantly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-14 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: GA

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

1681c2 ) that you, the TransUnion 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 : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$14000.00} 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, 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 2025-08-14 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: FL

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 : 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 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 2025-08-14 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-14 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: KS

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