vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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:
These accounts on my consumer report are fraudulent and do not belong to me. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-15 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 XXXX XXXX XXXX XXXX is reporting a debt on my credit report as consumer disputes after resolution while the matter is currently in active litigation and has not been resolved. 

I filed a formal dispute and also submitted an answer in small claims court ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX. Mediation is scheduled for XX/XX/year>. Despite the unresolved status, XXXX recently updated the tradeline with this inaccurate descriptor. 

Additionally, they are still reporting the debt as a collection account without proving ownership or validation of the alleged debt. 

This update is false, misleading, and damaging, as it misrepresents the status of the account to current and future creditors. XXXX has not provided proof of ownership, a valid contract, or a chain of title, yet continues reporting as though the matter is closed. 

This may violate provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & ( b ) ) and may also constitute deceptive collection under the FDCPA. 

I request that the tradeline be corrected or removed, and that this matter be investigated. The case is ongoing and unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
Suggested Complaint Statement ( Plain Text for Online Form ) -- - Category : Bank account or service Mobile or online payment Unauthorized or fraudulent activity -- - Your Complaint Description : XXXX I am filing a formal complaint regarding multiple instances of unauthorized service agreements, financial account manipulation, billing fraud, and economic exclusion linked to my personal information, residential address, IP address, and Social Security benefits. 

Specifically : I was recently blocked from accessing my Cash App account after being accused of fraud without any explanation. My XXXX holdings are being withheld illegally. 

I have repeatedly received electric utility service transfers I did not authorize, including forced acceptance of service agreements with companies I did not choose. 

These service agreements reference hidden XXXX including third-party surveillance tools such as XXXX and references to international entities like XXXX ( potentially XXXX ) XXXX 

I suspect artificial economic exclusion through systems resembling XXXX XXXX frameworks, resulting in financial discrimination and unauthorized billing across multiple accounts. 

I am requesting full disclosure of any hidden service contracts, billing agreements, identity reassignments, or third-party rights held over my accounts without my explicit consent. 


I am requesting immediate investigation and correction of any unauthorized financial service agreements, account blocks, or withheld funds linked to my name or identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
I was with the wrong people at the wrong time and the girl I was with asked me to hold her bag and she was gon na pay for her stuff and meet me in the truck so I paid for my items before her and was walking out the store I got stopped by police and they said everything in the bookbag was stolen and then the girl also tried walking out with a whole cart not to shortly behind me and also her cousin that was with was also stealing but we all were in the store away from each other because we all were shopping for different items in the XXXX but I have done and finished everything the court has ordered the case is closed

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 2025-07-15 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Although the account is reported as Paid, Closed on my credit report, I respectfully ask that it be removed early as a goodwill gesture. I paid the account to protect my credit during a critical time while finalizing a home purchase.

The account was closed at the credit grantors request, and I would deeply appreciate your assistance in removing this item from XXXX, XXXX, and XXXX  to reflect my current financial responsibility.

Fraudulent Origin Opened with Incorrect Address ( FCRA 605B ) These accounts were opened with an address that does not belong to me, qualifying them as identity theft under the Fair Credit Reporting Act. Under 15 U.S.C. 1681c-2 ( FCRA 605B ), I am requesting a permanent block and deletion of this information from my file.

Inaccurate Payment History Reporting False Delinquencies ( FCRA 1681s-2 ( a ), 1681e ( b ) ) The tradelines show late payments for XX/XX/year> and XX/XX/year>, even though the account status is Paid, Closed and my statement says Never Late. This is factually incorrect and violates XXXX obligation to maintain accurate, complete, and up-to-date data under 1681e ( b ).

Violation of Furnisher Accuracy Requirements ( FCRA 1681s-2 ) XXXX and the other creditor are continuing to furnish incorrect information despite the accounts being fully paid and disputed. This violates their duty under 1681s-2 ( a ) to not report information they know or have reason to believe is

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 2025-07-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-15 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: KY

Complaint narrative:
Hello, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed or obtained my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information.

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Accounts in question : Acc XXXX XXXX Acc XXXX XXXX XXXX XXXX  Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this disput,.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1.

Account nameXXXX XXXX XXXXXXXX XXXX Account numberXXXX Please remove this inaccurate information from my credit report.

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report.

It is my understanding that you will verify these items with the relevant creditor. Please eliminate any information that can not be verified by the creditor. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Please provide me with an updated copy of my credit report at the aforementioned address. According to the act, there should be no fee for this updated report. Furthermore, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1.

Account nameXXXX XXXX XXXXXXXX XXXX Account numberXXXX Please remove this inaccurate information from my credit report.

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report.

It is my understanding that you will verify these items with the relevant creditor. Please eliminate any information that can not be verified by the creditor. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Please provide me with an updated copy of my credit report at the aforementioned address. According to the act, there should be no fee for this updated report. Furthermore, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in 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 non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

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 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 2025-07-15 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CBC Companies, Inc.
State: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing an inaccurate 30-day late payment reported by XXXX XXXX on my Experian credit report. The account is current and in good standing, yet the late mark does not reflect my actual payment history. I submitted a dispute under FCRA 611 and requested full verification, but no supporting documentation or method of verification has been provided. This reporting error has negatively impacted my credit standing and must be corrected.

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