vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am writing to dispute a collection account that has been inaccurately reported under my credit profile. I have no knowledge of the account in question and believe it to be a result of fraudulent activity or mistaken identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts : XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Balance : {$3100.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX and report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-12 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: MD

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-12 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: TX

Complaint narrative:
I am formally disputing an address reported on my credit file that I have never been associated with. I demand that you conduct a reinvestigation as required under the FCRA and provide documentation verifying the source that reported this address.

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX, I began making payments through Cash App to a used car dealership, XXXX XXXX XXXX, for a XXXX XXXX XXXX. The agreed sale price was {$11000.00}, but I ultimately paid over {$15000.00} using Cash App, XXXX, and XXXX XXXX over the course of a year. 

On XX/XX/XXXX, my car was repossessed under false claims that I missed three payments. I was forced to pay {$2100.00} via Cash App using my linked credit card to a business called AAVIY Automobiles in order to get the car back. This repo fee was not part of the original agreement, no invoice or legal documentation was provided, and the payment was made under pressure just to retrieve the vehicle I had already been paying for. 

Throughout XXXX and early XXXX, I also made multiple Cash App payments to XXXX XXXX XXXX tied to this same transaction. These payments were collected under a predatory in-house financing agreement with a 36.78 % APR and no transparency on balances, principal, or interest. I was never given a full loan breakdown. 

Cash Apps support ( XXXX # XXXX ) acknowledged the concern, but refused to investigate more than XXXX transaction at a time, even though I provided a complete timeline, receipts, and documentation showing this was a pattern not a one-time issue. 

I am requesting a full investigation into the misuse of Cash App for this ongoing financial abuse, as well as restitution for the unauthorized payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
I am requesting the deletion of an address currently listed on my credit report that I have never lived at. I have attached valid documentation, including government-issued ID and recent utility bills, to verify my actual residence.

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 2025-07-12 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: NV

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This is for a Synchrony XXXX XXXX. My payment was due on XX/XX/XXXX. I scheduled the payment on their web site. The payment is marked as still processing on XX/XX/XXXX, and there was a message stating that my payment was late and my card has been placed into collections. I have never missed or been late with a payment ever. I tried to call them for XXXX hours. I can not get past their AI operator. In XXXX hours, I spoke to XXXX representatives that hung up on me. Another placed me on hold for XXXX minutes. They have XXXX customer service available. This should have been fixed with XXXX minute phone call. The level of help I received was non existent and unacceptable. Especially since the error was on their side. I full filled my responsibility. My payment that I scheduled was in excess of a minimum payment too.

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 2025-07-12 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: MD

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: MD

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-12 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: VA

Complaint narrative:
I recently reviewed my credit report from TransUnion and noticed multiple hard inquiries that I did not authorize or recognize. I have never applied for credit with the companies listed, nor did I give permission for them to access my credit report. These inquiries were not initiated by me, and I am concerned they may be the result of identity theft or improper access to my credit file. 

Specifically, I am requesting the removal of the following unauthorized inquiries dated XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted disputes directly with the credit bureaus, but I am now filing this complaint to ensure a full investigation is conducted. I am requesting that these unauthorized inquiries be removed from my credit report and that the companies involved provide documentation showing that I gave written authorization for these inquiries, as required by law. 

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.

Since TransUnion has failed to demonstrate fair and accurate reporting, and XXXX failed to protect consumer data by allowing my information to be compromised during a known breach, I am seeking immediate removal of these unauthorized inquiries and corrective action to protect my credit file moving forward.

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 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I never received any written notice from IC System before the account appeared on my credit reports. I discovered this alleged {$180.00} debt only after receiving an Experian alert and viewing it on XXXX XXXX. I immediately disputed it and sent a certified debt validation letter on XX/XX/year>, and a final demand letter on XX/XX/year>. 

Despite these letters, IC System has continued to report this account as a collection, most recently updated XX/XX/year>, without ever providing proper debt validation. The communication I received listed IC System as both the original and current creditor, which is inaccurate. The documentation also lacked a proper date, and my name was misspelled. 

Reporting a debt without prior notice and failing to validate it after written requests violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have enclosed all supporting evidence, including the XXXX alert, my validation letters, certified mail receipts, and current credit report screenshots.

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 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EGL US, LLC
State: GA

Complaint narrative:
Ok I have been dealing with this company since 2023 and very high interest high apr 35.89 % I ended up having to take two medical leaves 2023 one due to my illness and one due to my daughter being in a bad car accident during my leave trying to reach out to these people is horrible but they will ring your phone off the hook at times I cant pick up to explain my hardship not to mention I would sent emails to them no response back the funds were taking out of check XXXX  XXXX XXXX I tried to go on the app and refinance for a smaller payment they declined my application in which I tried to screenshot but was deleted by the company tonight because I literally just had logged into the account and seen the decline I reached out to the collection company bmg sold the loan too explaining that I had been trying to reach out to them about my hardships after so long you start to give up so I went on my XXXX  and adjust the payment they were still getting money every week but when going on the account the same amount stayed for a long time so Im trying to reach out again last week to see why the balance isnt going down I get a email from some app called XXXX XXXX and the total that had never went down was on the app saying make payment or this will be reported to credit bureaus my money every week is still going to bmg until I just stopped the payroll payment tonight I can understand if I wasnt making any payments on my account with bmg then yes send to collections I was making payments that I can afford when you can not reach out to the company you are dealing with I think they are very unprofessional I think that I need to take this further I should have never gotten involved with this company when I read all those bad reviews lesson learned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
I recently discovered that my credit report has been accessed without my consent, and applications appear to have been made in my name. I do not recognize these inquiries, nor did I authorize or apply to any of the companies involved. These unauthorized actions are a clear violation of my rights as a consumer and deeply concerning to me as someone who values personal and financial integrity.

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 2025-07-12 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: TX

Complaint narrative:
After reviewing my credit report, I identified a collection account that is unfamiliar to me and was not authorized or initiated by me. This information is incorrect and damaging to my credit reputation.

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 2025-07-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I am writing to formally dispute and request the removal of a fraudulent account from my credit report. I am a victim of identity theft, and an account was opened in my name without my authorization. 

The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number ( Partial ) : XXXX Date Opened by Imposter : XX/XX/year> Fraudulent Amount : {$2700.00} XXXX discovered this unauthorized account on my credit report and immediately took steps to report the identity theft. Enclosed with this letter are the following documents for your reference : XXXX. A copy of my FTC Identity Theft Report ( Report Number : XXXX ) XXXX. A copy of my government-issued ID XXXX. Proof of my current address Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I formally request that this account be blocked from my credit file and permanently removed. I also request a written confirmation once the account has been deleted. 

Please process this dispute as quickly as possible. If you need any additional information, do not hesitate to contact me at the information provided above. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX. XXXX XXXX -- - Let me know if you'd like this as a downloadable Word or PDF document.

Company response to consumer: Closed with explanation