vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: MO

Complaint narrative:
I am filing this complaint against Equifax, and by extension Experian and TransUnion, for their failure to block and remove unauthorized and fraudulent hard inquiries that appeared on my credit reports. These inquiries are the result of identity theft stemming from the Equifax data breach, which exposed my personally identifiable information, including my full name, date of birth, and Social Security number. 

These hard inquiries were not authorized by me, and I did not apply for credit with the creditors associated with these inquiries. I have submitted disputes and identity theft claims, yet the inquiries remain on my reports in violation of my rights under federal law. 

Applicable Consumer Protection Laws 1. FCRA 605A Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c2 ) Under this section of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is required to block information resulting from identity theft no later than four business days after receiving : Proof of identity A copy of an identity theft report ( such as a police report or FTC affidavit ) Identification of the fraudulent information A statement that the information was not initiated by the consumer I have provided the required documentation, including notice that these inquiries were unauthorized and related to identity theft. Equifax has failed to block these inquiries as required under 15 U.S.C. 1681c-2 ( c ), and Experian and TransUnion have failed to remove the same inquiries despite notice of their fraudulent nature.

2. FCRA 604 ( a ) ( 3 ) Permissible Purpose ( 15 U.S.C. 1681b ) Credit reporting agencies are prohibited from releasing a consumers credit file unless there is a permissible purpose under the law. I never authorized or applied for credit with the entities listed in the fraudulent inquiries, and therefore no permissible purpose existed for any of these inquiries. Reporting these inquiries is a direct violation of 15 U.S.C. 1681b ( f ), which prohibits access to a consumer report without a legitimate business need or consumer consent.

3. Failure to Investigate and Correct Inaccuracies ( FCRA 611, 15 U.S.C. 1681i ) I disputed these inquiries and identified them as fraudulent, yet the credit reporting agencies have not removed them. They have failed to conduct a reasonable reinvestigation or provide any evidence of consumer authorization. This is a violation of their obligation to investigate disputed information and remove unverifiable items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ACCOUNT NAME : XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency XXXX make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an 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 2025-05-27 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ACCOUNT NAME : XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency XXXX make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report contains inaccurate information under the name XXXX XXXX XXXX. I am XXXX XXXX XXXX. This includes accounts, addresses, and inquiries that do not belong to me. Ive provided Experian with documentation, including my Social Security card and driver 's license, to verify my identity. I am requesting permanent deletion of this fraudulent information under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681n. The credit bureau has failed to correct or respond appropriately, and this is harming my credit standing and financial opportunities. '' XXXX XXXX XXXX : Identity Theft / Mis- merged File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX SSN : XXX-XX- [ XXXX XXXX : [ XX/XX/XXXX Phone : XXXX Email : XXXX XX/XX/XXXX To Whom It XXXX Concern, Subject : Urgent Dispute and Request for Investigation Due to Identity Mix-Up ( FCRA 1681i & 1681g ) I am writing to formally dispute the inaccurate and fraudulent information appearing on my Experian credit report. The report currently contains data associated with a person named XXXX XXXX XXXX. I am * * XXXX XXXX XXXX, and this erroneous information is causing severe damage to my credit profile. 

The name * * XXXX XXXX, date of birth XX/XX/XXXX, and XXXX ending in XXXX are not mine. My correct personal information is as follows : - Name : XXXX XXXX XXXX - XXXX : XXXX -DOB : XXXX It appears there has been a mis-merge or identity theft involving someone with a similar first and middle name. As per 15 U.S.C. 1681g, I have the right to accurate disclosure of my credit file, and under 1681i, I request that you immediately open an investigation and remove all fraudulent accounts, inquiries, and information not directly connected to me. 

I have enclosed copies of my : XXXX. Drivers License XXXX. Social Security XXXX XXXX Credit report ( highlighted to show errors ) These documents validate my identity and support my request. Please remove all accounts, personal information, and inquiries associated with * * XXXX XXXX XXXX * This includes addresses, employment records, and any credit accounts not legally opened by me. 

Note : Under 15 U.S.C. 1681n, any failure to correct inaccurate and damaging information after notice constitutes willful noncompliance, subject to actual and statutory damages, punitive damages, and attorney 's fees. 

Please confirm in writing that these fraudulent items have been deleted. You are legally required to complete your reinvestigation within 30 days * *, per the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of drivers license Copy of Social Security card Highlighted copy of 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 2025-05-27 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: CA

Complaint narrative:
My credit report contains inaccurate information under the name XXXX XXXX XXXX. I am XXXX XXXX XXXX. This includes accounts, addresses, and inquiries that do not belong to me. Ive provided Experian with documentation, including my Social Security card and driver 's license, to verify my identity. I am requesting permanent deletion of this fraudulent information under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681n. The credit bureau has failed to correct or respond appropriately, and this is harming my credit standing and financial opportunities. '' XXXX XXXX XXXX : Identity Theft / Mis- merged File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX SSN : XXX-XX- [ XXXX XXXX : [ XX/XX/XXXX Phone : XXXX Email : XXXX XX/XX/XXXX To Whom It XXXX Concern, Subject : Urgent Dispute and Request for Investigation Due to Identity Mix-Up ( FCRA 1681i & 1681g ) I am writing to formally dispute the inaccurate and fraudulent information appearing on my Experian credit report. The report currently contains data associated with a person named XXXX XXXX XXXX. I am * * XXXX XXXX XXXX, and this erroneous information is causing severe damage to my credit profile. 

The name * * XXXX XXXX, date of birth XX/XX/XXXX, and XXXX ending in XXXX are not mine. My correct personal information is as follows : - Name : XXXX XXXX XXXX - XXXX : XXXX -DOB : XXXX It appears there has been a mis-merge or identity theft involving someone with a similar first and middle name. As per 15 U.S.C. 1681g, I have the right to accurate disclosure of my credit file, and under 1681i, I request that you immediately open an investigation and remove all fraudulent accounts, inquiries, and information not directly connected to me. 

I have enclosed copies of my : XXXX. Drivers License XXXX. Social Security XXXX XXXX Credit report ( highlighted to show errors ) These documents validate my identity and support my request. Please remove all accounts, personal information, and inquiries associated with * * XXXX XXXX XXXX * This includes addresses, employment records, and any credit accounts not legally opened by me. 

Note : Under 15 U.S.C. 1681n, any failure to correct inaccurate and damaging information after notice constitutes willful noncompliance, subject to actual and statutory damages, punitive damages, and attorney 's fees. 

Please confirm in writing that these fraudulent items have been deleted. You are legally required to complete your reinvestigation within 30 days * *, per the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of drivers license Copy of Social Security card Highlighted copy of credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TX

Complaint narrative:
XXXX XXXX XXXX, Account # XXXX {$8900.00} XXXX/2024 I did not authorize for this account to be opened in my name, please remove this fraudulent account off my credit report immediately under law FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued TransUnion for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-27 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: First Technology Federal Credit Union
State: CO

Complaint narrative:
This account is being reported inaccurately. The lender never provided a fully executed contract, which is required to validate the loan and the resulting repossession. I requested this item be removed from my credit report. The copy I have does not have their signature.

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 2025-05-27 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: LA

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me.

Under Sectio

n 605B of the Fair Credit Reporting Act ( FCRA ), please block and delete the enclosed disputed items. Ive included a list of the accounts and a copy of my Identity Theft Report filed with the FTC. Please investigate and confirm in writing onc
e the corrections have been made. Thank you for your prompt attention.

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 2025-05-27 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: CA

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief