vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
In XX/XX/year> our landlord XXXX XXXX attempted to evict us with XXXX days notice as retaliation for my son 's service animal. We agreed to move anyway however he filed a lawsuit against us to have an eviction against us due to us defying him. He was a judge for the county so obviously the eviction was granted even though we didn't owe anything and had already moved. At the end of XXXX we went into the city office in XXXX and notified them that we were going to be moving and asked for a receipt of some sort. The lady laughed and said she was the receipt and they didnt do that. We did not realize the woman we were speaking with was XXXX XXXX, the city collector. A month or so later we received notice to our email of a jackson water bill- we called XXXX water and they said it was our fault that we hadn't notified them we were moving which we had. We said OK well can you close the account now then please? They refused to close the account due to outstanding balance even though we no longer resided there. From then on every month we would get a gradually climbing bill since they charge 100 % late fee on outstanding balances. This service was supposed to no longer be in our name and since the gentleman in question was found guilty by HUD of retaliation and also enlisted his spouse to try and get my son banned from attending public school ever again that same week- this was retaliation. I honestly feel sick at the thought of having to pay it. That man did his damnest to destroy us and we settled for an apology and the return of our deposit which he sent, filed the proof of mailing with HUD and then cancelled to have it returned to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 providing documentation, Experian, Equifax, and TransUnion continue to report fraudulent accounts and unauthorized credit inquiries on my credit reports. Under FCRA 605B, they are required to block and delete fraudulent accounts within XXXX business days, and under FCRA 604 ( a ) ( 2 ) they must remove unauthorized inquiries. They have failed to comply, and this is causing me harm including credit denials and emotional distress. 
Fraudulent accounts appearing on my report include : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX Secured XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX ), Portfolio Recovery, Credence Resource ( XXXX XXXX XXXX ). 
Unauthorized hard inquiries all dated XX/XX/year> from : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX of XXXX, XXXX 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 inquiries and accounts were not authorized by me and are directly tied to identity theft. 



Harm Suffered : Loss of credit opportunities. 
Emotional distress and reputational damage. 
Time, cost, and effort spent attempting to fix unlawful reporting.

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 2025-10-13 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 providing documentation, Experian, Equifax, and TransUnion continue to report fraudulent accounts and unauthorized credit inquiries on my credit reports. Under FCRA 605B, they are required to block and delete fraudulent accounts within XXXX business days, and under FCRA 604 ( a ) ( 2 ) they must remove unauthorized inquiries. They have failed to comply, and this is causing me harm including credit denials and emotional distress. 
Fraudulent accounts appearing on my report include : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX Secured XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX ), Portfolio Recovery, Credence Resource ( XXXX XXXX XXXX ). 
Unauthorized hard inquiries all dated XX/XX/year> from : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX of XXXX, XXXX 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 inquiries and accounts were not authorized by me and are directly tied to identity theft. 



Harm Suffered : Loss of credit opportunities. 
Emotional distress and reputational damage. 
Time, cost, and effort spent attempting to fix unlawful reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to report Equifaxs continued noncompliance and failure to properly investigate and remove identity theft accounts from my credit report. 
Despite my previous disputes dated XX/XX/year>, I have not received a lawful resolution. I have provided Equifax with all the necessary supporting documents, including my FTC Identity Theft Report, government-issued identification, proof of address, and a signed sworn statement under penalty of perjury confirming that the account XXXX XXXX XXXX do not belong to me. * * Equifaxs ongoing reporting of this information violates my rights under the Fair Credit Reporting Act ( FCRA ) 605B and 611 ( a ), which require them to block identity theftrelated accounts and conduct a reasonable reinvestigation within the legally mandated time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I am submitting this follow-up regarding a prior dispute I filed concerning several unauthorized inquiries appearing on my credit report. Despite my initial dispute, these inquiries remain on my file without proper verification or removal. 

The inquiries in question are as follows : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX I did not apply for credit with any of these entities, nor did I authorize these inquiries. Under FCRA 1681b, credit reporting agencies may only include inquiries on a consumer file if they were made for a permissible purpose, such as a legitimate credit application, insurance, employment, or with my explicit consent. These inquiries do not meet any permissible purpose and are therefore inaccurate and unlawful.

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 2025-10-13 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MI

Complaint narrative:
Trafficking Block Request To Whom It May Concern, I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-13 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: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: WY

Complaint narrative:
Yes I was coerced into thinking it was ok to sell my cashapp account. The buyer never paid. Cashapp wont close the account or even temporarily freeze the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
In XX/XX/year>, multiple unauthorized hard inquiries appeared on my Experian Business credit report. These were made by XXXX XXXX ( representatives XXXX and XXXX ) and XXXX XXXX ( representative XXXX ). 

All three representatives explicitly confirmed in writing via email that the credit checks would be soft pulls only for rate-check and prequalification purposes. Despite these written assurances, Experian recorded them as full hard inquiries, which materially damaged my business credit profile. ( XXXX XXXX XXXX XXXX XXXX ) I contacted Experian requesting ( 1 ) the names of all companies that accessed my business file, ( 2 ) the authorization basis for each inquiry, and ( 3 ) removal of all unauthorized hard pulls. Experian has not provided this information or taken corrective action. 

These inquiries were made without my written consent and in direct contradiction to what the lenders represented. I request that the CFPB investigate Experian, XXXX, and XXXX for improper use of my business credit file, confirm the absence of proper authorization, and require removal of all unauthorized inquiries from my Experian Business 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Property Receivables, Corp
State: FL

Complaint narrative:
I am filing a formal complaint against Property Receivables , Corp. for the following reasons : # 1. Attempting to Collect Debt Without a Florida License : I am a Florida resident, and Property Receivables , Corp. has attempted to collect a debt from me without being licensed to operate as a collection agency in the state of Florida. I checked the Florida Office of Financial Regulations license search and found no record of their registration. Florida law requires all collection agencies to be licensed to collect from Florida residents. 
# 2. Inacc
urate Balance Reporting : The company is reporting a balance of {$1900.00} to the credit bureaus, while the ledger they provided in response to my validation request shows a balance of only {$1800.00}. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting of consumer debts.

# 3. Failure to Mark Account as Disputed : I submitted a formal written dispute to the agency, yet they failed to mark the account as disputed on my credit reports, which is required under the FCRA once a consumer raises a dispute.

# 4.They are Also reporting to the bureaus with XXXX different collection companies that are not licensed to operate as a collection agency in the state of Florida. CollectTech and Property Receivables , Corp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX BANK XXXX Account 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 2025-10-13 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite being paid in full, this account still displays late payment notations.

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 2025-10-13 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: NV

Complaint narrative:
Despite being paid in full, this account still displays late payment notations.

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 2025-10-13 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 verified victim of identity theft and submitted an official FTC Identity Theft Report ( # XXXX ) along with proof of identity and address on XX/XX/year>. My original FCRA 605B demand letter was sent via certified mail to Equifax, Experian, and TransUnion, instructing all three agencies to block and delete fraudulent bankruptcy/public record data within four ( 4 ) business days as required by FCRA 605B ( 15 U.S.C. 1681c-2 ).

It has now been over four weeks, and these agencies have failed to comply with federal law. They continue to report fraudulent bankruptcy records, inquiries, and inaccurate addresses that I have never authorized.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX, I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 

According to the Fair Debt Collection Practices ( FDCPA ) 611 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Debt Collection Act ( FCRA ) 611 ( a ). I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation