vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: MS

Complaint narrative:
I am a victim of identity theft, and a fraudulent student loan account has been opened and reported under my name by XXXX XXXX without my knowledge or consent. 

I never signed, applied for, or authorized this account. I contacted the company to dispute the account and requested documentation proving I opened it, but none was provided. 

Under the Fair Credit Reporting Act ( FCRA ) 611 and 623 and the Fair and Accurate Credit Transactions Act ( FACTA ) 605B, I have the right to have all fraudulent information blocked and deleted. I am requesting that this account be immediately deleted from my credit reports and records within 4 business days and that all collection activity stop. 

If this issue is not resolved promptly, I will escalate to the Federal Trade Commission and my states Attorney General for further investigation.

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 2025-08-26 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:
I am a victim of identity theft, and a fraudulent student loan account has been opened and reported under my name by XXXX XXXX without my knowledge or consent. 

I never signed, applied for, or authorized this account. I contacted the company to dispute the account and requested documentation proving I opened it, but none was provided. 

Under the Fair Credit Reporting Act ( FCRA ) 611 and 623 and the Fair and Accurate Credit Transactions Act ( FACTA ) 605B, I have the right to have all fraudulent information blocked and deleted. I am requesting that this account be immediately deleted from my credit reports and records within 4 business days and that all collection activity stop. 

If this issue is not resolved promptly, I will escalate to the Federal Trade Commission and my states Attorney General for further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX last XXXX of ss XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX RE : Formal Dispute of Inaccurate Information and Cease & Desist Request SSN ( last XXXX digits ) : [ XXXX ] Date of Birth : [ XX/XX/XXXX To Whom It May Concern, I am writing to formally notify you of multiple issues on my credit report, and to request immediate action in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Equifax Data Breach I was affected by the Equifax data breach, which compromised sensitive personal information. As a result, I am closely monitoring my credit report for any inaccuracies or unauthorized activity. Your company is under scrutiny by the Consumer Financial Protection Bureau ( CFPB ), and I am aware that investigations are ongoing regarding your failure to properly investigate consumer disputes. 

XXXX. Dispute of Late Payment XXXX XXXX There is an entry on my credit report from XXXX XXXX, reporting late payments. I am formally disputing this entry as inaccurate, and request a thorough reinvestigation in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act.

Please provide verification of the debt and payment history from XXXX XXXX. 

If you can not verify the accuracy within XXXX  days, the account must be removed from my credit report. 

XXXX. Cease and Desist Portfolio Recovery Associates Additionally, I am invoking my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), to request that XXXX XXXX XXXX cease all communication with me regarding the account number : Account # : XXXX This request applies to all forms of communication including phone calls, letters, emails, or any other contact. Any further attempts to contact me about this alleged debt will be considered a violation of federal law. 

Requested Action : Remove or correct any inaccurate or unverifiable reporting ( XXXX XXXX ) Investigate in accordance with the FCRA Honor my Cease and Desist request under FDCPA Confirm in writing that these actions have been taken I am requesting that you respond to this letter within XXXX days, as required by law. Please send all correspondence in writing to the mailing address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding the wrongful closure of my Cash App account. I was recently notified that my account was permanently closed on the grounds of fraud, a claim that is entirely inaccurate and unfounded. At no time did I engage in fraudulent activity, and I have used Cash App solely for legitimate purposes. 

The closure of my account has caused me significant hardship. I rely on Cash App as a primary tool to pay my bills and to financially support my family. By cutting off my access without just cause, you have disrupted my ability to meet essential obligations and created unnecessary financial strain. 

I respectfully demand a thorough investigation into my account and the alleged violation. I also request immediate reinstatement of my account so that I can resume accessing my funds and utilizing the services I depend on. At the very least, I expect a clear and transparent explanation for this closure, as well as the release of my remaining funds. 

This situation has not only caused financial disruption but has also unfairly impacted my trust in your platform. I urge Cash App to correct this error immediately to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These agencies are violating my rights and have not validated my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed collections on my consumer report recently. I have made several attempts to fix these issues with them, and they are violating my rights. I'm entitled to {$1000.00} for every violation listed. They need to either pay me or delete this account ASAP.

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 2025-08-26 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: AZ

Complaint narrative:
I am disputing unauthorized inquiries in violation of FCRA 605B, as the following inquiries do not belong to me and appear to be the result of a mixed file or mistaken identity. I believe this information belongs to someone else. Additionally, I am disputing inaccurate and misleading information reported on my credit file in violation of FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 605 ( c ), and 605B, as several accounts are reported inconsistently or without proper validation. Furthermore, I am disputing multiple collection accounts that are reported inaccurately in violation of FDCPA 809, 807, and 808, as well as FCRA 605 ( a ) and 605B. The following accounts and balances are being disputed for accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, negative accounts and addresses do not belong to me and must be removed or blocked immediately to restore accuracy to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
I am disputing unauthorized inquiries in violation of FCRA 605B, as the following inquiries do not belong to me and appear to be the result of a mixed file or mistaken identity. I believe this information belongs to someone else. Additionally, I am disputing inaccurate and misleading information reported on my credit file in violation of FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 605 ( c ), and 605B, as several accounts are reported inconsistently or without proper validation. Furthermore, I am disputing multiple collection accounts that are reported inaccurately in violation of FDCPA 809, 807, and 808, as well as FCRA 605 ( a ) and 605B. The following accounts and balances are being disputed for accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, negative accounts and addresses do not belong to me and must be removed or blocked immediately to restore accuracy to my credit 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 2025-08-26 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: AL

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AR

Complaint narrative:
I am filing a complaint against National Credit Adjusters ( NCA ) and the credit bureaus for inaccurate reporting. On my credit report ( as reflected on XXXX XXXX ), NCA is being listed as the original creditor. This is factually incorrect NCA is a debt buyer/collection agency, not the original lender.

By misreporting themselves as the original creditor, NCA and the bureaus are violating : FCRA 607 ( b ) : Duty to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : My right to know the true source of the information in my file.

This misrepresentation is misleading because it creates the false impression that I originally entered into a credit relationship with NCA, which I did not. It also makes it harder for me to identify the true origin of the debt.

I request that the CFPB require XXXX XXXX XXXX XXXX to : 1. Correct the tradeline to accurately reflect that NCA is a collection agency, not the original creditor.

2. Provide the name and information of the true original creditor.

3. Delete the tradeline if accurate correction can not be made.

This false designation is not a minor technical error it is a material misrepresentation that affects how lenders view my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
XXXX XXXX XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
b'XXXX XXXX\nXXXX\nXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\n \nTransUnion Consumer Solutions\nXXXX XXXX XXXX\nXXXX XXXX XXXX\n\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1.\tXXXX XXXX XXXX XXXX \n\nINQUIRIES:\n1.\tXXXX XXXX XXXX XXXX XXXXn2.\tFACTUAL DATA XXXX XXXX XXXX \n3.\XXXX XXXX XXXX XXXX XXXXn4.\tFACTUAL DATA XXXX XXXX XXXX\n5.\tXXXX XXXX XXXX XXXX XXXX\n6.\tXXXX XXXX XXXX XXXX XXXX\n7.\tXXXX XXXX XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nXXXX 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 2025-08-26 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: GA

Complaint narrative:
The account that is listed on my credit report with balances of {$930.00} with Amerifinancial Solutions as the collection agency. This account was reported without providing me with proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

I have disputed this items directly with the credit bureaus, and they remain on my report. Amerifinancial Solutions has not provided : Proof that I am legally obligated for this debt An itemized accounting showing how the balances were calculated A copy of any agreement bearing my signature Proof that this debt is within the statute of limitations Without this documentation, the reporting of this account is inaccurate and harmful. The continued reporting of unvalidated debts violates my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I am requesting that the CFPB review this matter and require Amerifinancial Solutions to either : Provide complete validation of the alleged debts ; or Immediately remove these accounts from my credit report.

Thank you for your assistance in resolving this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: U.S. Auto Credit Corporation
State: TN

Complaint narrative:
Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Best Regards,

Company response to consumer: Closed with explanation