vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: NV

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 explanation
Consumer complaint received 2025-08-01 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 late payment entry that has been inaccurately reported on my credit file. I have always made timely payments on this account, and the reported delinquency does not reflect my actual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX Aargon Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION UNDER 15 U.S.C . 1692g Account Number : XXXX Balance Reported : {$1600.00} To Whom It May Concern : I am formally disputing the validity of the above-referenced account allegedly assigned to XXXX XXXX for collection and/or reporting. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), this letter is a request for full and complete validation of the debt.

You are legally required to provide the following documentation : A copy of the original signed contract or agreement allegedly bearing my signature. 
A complete itemized account statement showing all charges, fees, interest, payments, and how the balance of {$1600.00} was determined. 
A complete flow sheet/account history showing activity since the account 's origination. 
Proof of assignment or legal transfer, including all documents showing the full chain of ownership from the original creditor to Aargon Agency.

Your state collection license number authorizing you to collect in Illinois.

The name of the person who verified this debt for reporting purposes.

DO NOT send a bill, invoice, or payment summary as " validation. '' Those documents do not meet the legal criteria set forth in 15 U.S.C. 1692g. 
Until you provide all of the above documents, you are required by law to cease all collection activities and reporting to any consumer reporting agency. If you continue to report this unverifiable debt to XXXX XXXX XXXX XXXX, you will be in violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ).

Should you fail to comply, I will take the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) File with the Federal Trade Commission ( FTC ) Notify the Illinois Attorney General 's Office Pursue legal remedies for damages under the FDCPA and FCRA You have 30 days from the date of your receipt of this letter to fully comply. If you are unable to validate this account, it must be immediately deleted from all credit reports. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB 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 2025-08-01 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
My identity was stolen. My bank account, my social security number and date of birth was all used and access to create false accounts. The perpetrator used my bank account to start fraudulent accounts and use the account to make payments for 1 or 2 months to show legitimacy then stopped making payments. I was unaware my account was being used due to sickness. 
I have sent credit bureaus this information and creditors and they have refused to remove the fraudulent items causing hardship to my family and marriage which has now resulted in divorce. 
I spoke to transunion and Equifax several times and they agreed to remove the fraudulent items on different occasions but no items have been removed after sending court documents, police reports, judge orders and my identification.

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 2025-08-01 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX {$300.00} XX/XX/XXXX I dispute this fraudulent transaction but company never responded back XXXX XXXX {$560.00} XX/XX/XXXX I dispute it with company about 2 years ago and still no correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
In mid XX/XX/year> I had noticed on my XXXX XXXX XXXXXXXX statement that there was possible fraud. The fraud in question, was what I believed to be unauthorized payments sent to a recipient on my cashapp account. My bank processed the dispute and issued me a credit for the total missing funds that amounted to {$170.00}. However, after a couple weeks my brother came to me and informed me that these charges were in fact, legitimate. I immediately called my bank to let them know that this was a mistake. They canceled the claim immediately, and reversed the credits on my account for the {$170.00} on XX/XX/year>. Ever since then, I have been calling cashapp to make sure that the funds have been reinstated to reflect the cashapp transactions and or balance. Cashapp has claimed they have not received any funds from my bank. However my bank has documentation that this is not the case and I have done everything I can to let cashapp see that this is true on my banks part. Its been. Complete headache and all Cashapp keeps telling me is to have my bank call them, and I have told my bank this, and they have assured me that they have done so. So either my bank is lying or cashapp is lying, but all I know for sure is that my bank account shows that the funds were given back to cashapp or they are at least no longer in my possession. Im afraid at this point im at a total loss on what to do but Cashapp has not handled this well in my opinion and my bank has cooperated with every request I have asked for. What do I need to do to fix this? I feel like this is a last resort and I just want this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: WA

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 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 2025-08-01 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 explanation
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
This loan is from XXXX in an original amount of approximately {$400.00}. It is now over {$900.00}. I requested removal based on age ( well over the 7-year limit ) and it was indeed removed on XX/XX/XXXX by Experian. It is now being reported again as if it is a new loan. I requested removal again and now Experian will not assist. The loan company is of no help. I am XXXX, retired and my only source of income is social security retirement benefits. The loan company is not interested in reaching a mutually beneficial arrangement. Furthermore, I have not received any correspondence relating to this student loan debt.

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 2025-08-01 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: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I received an email from my employer indicating that a record was found in a background check showing a misdemeanor charge that may be connected to my name, and possibly a warrant as well. 

I was not previously aware of any such record, charge, or legal matter.

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 2025-08-01 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: NY

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
I was scammed out of {$150.00} and asked CashApp for assistance only to find they stated transaction was complete and needed to rely on help of the scammer to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Credit Collection Services XXXX CCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : FORMAL DISPUTE & DEMAND FOR VALIDATION UNDER 15 U.S.C . 1692g Account Number : XXXX Balance Reported : {$0.00} To Whom It May Concern : This letter is a formal dispute and demand for debt validation regarding the above-referenced collection account being reported by Credit Collection Services ( CCS ) . Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am exercising my legal right to request complete and documented validation of this debt.

Please provide the following : A copy of the original signed contract or agreement allegedly executed by me. 
A detailed itemized statement showing how the amount owed became {$0.00} and what payments or adjustments were made. 
A flow sheet or full account history showing all transactions related to this debt. 
Proof of assignment or legal transfer from the original creditor to your agency, with supporting documentation. 
A copy of your license to collect in the State of Illinois.

The name and position of the person who verified this debt for the purpose of reporting.

Be advised : Sending a bill, invoice, or final account statement is not sufficient validation under 15 U.S.C. 1692g. Failure to provide proper documentation constitutes a violation of federal law. 
Until this debt is fully validated, you are required to cease all collection activities and remove any entries related to this account from all credit bureaus. Reporting a {$0.00} collection account is misleading and must be corrected or deleted. 

If you are unable to validate this account, I demand it be immediately deleted from all consumer credit reports, including XXXX XXXX XXXX XXXX 

If you do not comply, I will file : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report with the Federal Trade Commission ( FTC ) A complaint with the Illinois Attorney Generals Office And I will pursue civil action under the FDCPA and FCRA for damages and legal violations You have 30 days from the date of receipt of this letter to fully comply. 

Govern yourselves accordingly. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-01 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: CA

Complaint narrative:
I am filing a formal dispute concerning a fraudulent account listed on my credit report. I have no knowledge of this account, and I did not initiate or consent to its creation. It appears to be a clear case of identity misuse or inaccurate 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 explanation