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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint due to ongoing issues with inaccurate and fraudulent information being reported on my credit reports, including hard inquiries, student loans, credit card accounts, and collection entries that I did not authorize or open. 

Between XXXX and XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit report, including from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX These were not initiated or approved by me. 

Additionally, two student loans from XXXX dated XXXX for {$3800.00} and the other for $ XXXX falsely reporting. I did not apply for or receive these loans, and they are the result of identity theft. 

There are also XXXX credit cards in collections that I never opened : XXXX from XXXX XXXX for {$940.00} ( dated XX/XX/XXXX ), and another from XXXX XXXX. Both were opened fraudulently. 

Lastly, two collection accounts are being reported that are inaccurate : one from XXXX XXXX ( XXXX XXXX I did not open ), and another from XXXX XXXX XXXX, dated XX/XX/XXXX, for an apartment at XXXX at XXXX, totaling {$8400.00}. I never lived at this property. 

I submitted disputes to Experian, Equifax, and TransUnion with a police report, fraud affidavit, ID, and supporting documentation proving identity theft. Despite this, the credit bureaus failed to remove the fraudulent items. Their refusal to act is in violation of the Fair Credit Reporting Act ( FCRA ) and other federal protections. 

I am requesting the CFPBs assistance to require full and immediate deletion of all the fraudulent items listed above and an investigation into the credit bureaus failure to comply with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX XX/XX/year> To : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Request for Debt Validation under FDCPA Account Number : XXXX To Whom It May Concern : I am writing in response to an email I received in which you claim I owe a debt to XXXX XXXX XXXX I am formally requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of any judgment ( if applicable ) ; 4. Verification that you are legally authorized to collect debts in my state ; 5. Documentation showing that I agreed to assume this debt and that the amount is accurate.

Until this debt is validated, please cease all collection activities and do not report this debt to any credit reporting agencies, or if already reported, inform them that the debt is being disputed.

If you are unable to provide the requested documentation, you must stop all collection efforts and remove any related information from my credit reports. 

Please consider this letter as my formal notice of dispute. I also request that all future communications regarding this matter be in writing only. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing several accounts currently reported under my name that I did not open or authorize. I have never had any association with these accounts, and their presence is both false and damaging. 

This misrepresentation of my financial history is a serious matter, negatively affecting my credit profile.

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 2025-08-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
15 U.S. Code 1601- Congressional findings and declaration of purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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 account contains inaccurate information. I do not recognize this account, and it should be removed. I previously disputed it, but the reporting company failed to provide proper verification or documentation. This violates my rights under the FCRA ( Fair Credit Reporting Act ). I am requesting the removal of this inaccurate item from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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 have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with XXXX XXXX  or any of the affiliates. I have confirmed and advised XXXX XXXX  that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how XXXX XXXX  approved a credit under my name, without doing any further review and confirmation. Given the fact that XXXX XXXX  has the right to investigate and obtain all necessary information prior to approving any credits, XXXX XXXX  has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, XXXX XXXX  must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that XXXX XXXX  must comply with prior to approving any credit card/lines to anyone. Pursuant to XXXX XXXX  's online advertisement, XXXX XXXX  encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from XXXX XXXX  ating that my information was used or attempted to be used in order to open an account. Thus, XXXX XXXX  has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, XXXX XXXX  violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for XXXX XXXX  to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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: GA

Complaint narrative:
Recently, I looked at a copy of my credit. The report I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
It's my understanding that the credit bureaus will investigate this account and for me to ensure accuracy here is the account I am asking you to verify as accurate. 

Account : XXXX XXXX XXXX Account XXXX 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: ID Analytics, Inc.
State: MA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

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: GA

Complaint narrative:
Complaint Summary : I am filing this complaint to formally report that the nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave failed to update or remove inaccurate personal information from my credit report, despite multiple prior requests. I have also discovered discrepancies across my credit files that raise serious concerns about possible identity theft. I have submitted the required documentation, including an FTC Identity Theft Report and a police report, yet the agencies have not corrected or removed the following : ________________________________________ 1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports.

Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents. 
Phone Numbers : Several outdated numbers are still listed, which are no longer in use. 
Social Security Number & Date of Birth : Not adequately protected or redacted. 
Employer Information : Inaccurate and outdated employer listings remain. 
________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus.

Payment statuses are reported inconsistently.

Addresses and employer information vary widely between agencies. 
Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-02 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: WA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$200.00} Inquiries : XXXX XXXX XXXX - XX/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 2025-08-02 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: WA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$200.00} Inquiries : XXXX XXXX XXXX - XX/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 2025-08-02 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: GA

Complaint narrative:
I am filing this complaint to dispute and request investigation into inaccurate and damaging information listed on my Experian credit report. Specifically, I am challenging the reporting of charged-off accounts from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX These entries are negatively impacting my creditworthiness, and I have reason to believe they may be inaccurate, incomplete, or unverifiable.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681i, I have the right to dispute any item on my credit report that I believe to be incorrect. This section requires that consumer reporting agencies conduct a reasonable reinvestigation to verify the accuracy of disputed information. I have already contacted the original furnishers and requested validation of these debts, and I now ask the CFPB to ensure that Experian and the listed creditors are complying fully with federal law. I respectfully request your assistance in reviewing and resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I am filing this complaint to dispute and request investigation into inaccurate and damaging information listed on my Experian credit report. Specifically, I am challenging the reporting of charged-off accounts from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX These entries are negatively impacting my creditworthiness, and I have reason to believe they may be inaccurate, incomplete, or unverifiable.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681i, I have the right to dispute any item on my credit report that I believe to be incorrect. This section requires that consumer reporting agencies conduct a reasonable reinvestigation to verify the accuracy of disputed information. I have already contacted the original furnishers and requested validation of these debts, and I now ask the CFPB to ensure that Experian and the listed creditors are complying fully with federal law. I respectfully request your assistance in reviewing and resolving this 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: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I went to send money to a regular person within my cashapp and clicked the name., When double checking after i made the mistake after typing in XXXX for XXXX last second another name glitches in, I have never seen a app glitch while paying someone I lost XXXX XXXX  and now cashapp is saying its my fault that the money is gone I just want to know how that process works when XXXX send money to the wrong person because the app is insufficient I take accountability i jus wanted cashapp to look into and and possibly get reimbursed the money is mine and it wont let me request a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The 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