vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I affirm that the inaccurate late payment remarks on my accounts are in violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-09-09 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-09-09 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally dispute a credit card account that was fraudulently opened in my name without my knowledge or authorization. I did not apply for, authorize, or use this account in any way. Despite this, I have been unfairly held responsible and forced to make payments for charges that are not mine. Under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ), I have the right to dispute fraudulent accounts and charges. I request that you immediately investigate this matter, close the fraudulent account, remove any related charges, and ensure that no negative information remains on my credit report. Please provide written confirmation of the investigation and the steps taken to resolve this matter. I am also requesting copies of any application or records used to open the account, as they will show I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXXXXXX XXXX XXXXXXXX Date : XXXX INFORMATIVE Date : XXXX XXXX Date : XXXX XXXXXXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXXXXXX Date : XXXX XXXXXXXX XXXX Date : XXXXXXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I deposited a check for my son who was contacted for a job. After he was interviewed and given the position he was informed the position was fully remote and that a company check would be send to obtain the items needed to perform his work tasks. I agreed to deposit the check and I did. After we both went into the branch and met with the branch XXXX showing both of our identification we retrieved the funds. My son was then instructed to send the funds via bitcoin in which he did and after all of the funds were sent the employer stopped all communication. Several days later my account was overdrawn XXXX. I immediately filed a police report, and an fbi report, as well as a report with the federal trade commission. I went into the bank to try and explain to the branch XXXX what happened. He listened to me and proceeded to lie and say the the decision was solely up to the banks fraud department how the matter would be resolved however, the decision was actually the branch XXXX s. I did reach out to him several times to try and resolve the matter however he will not return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Netspend Corporation
State: OH

Complaint narrative:
In XX/XX/year>, my XXXX XXXX account was compromised, and approximately {$500.00} was taken through unauthorized transactions. The first indication of fraud came on XX/XX/XXXX, when I received an email notification that the email address on my account had been changed without my authorization. Soon afterward, several charges appeared, including a transaction through XXXX, which I later learned is a cryptocurrency service. 

While working with customer service, I noticed that a digital card labeled XXXX had been created under my account and was being used for these transactions. I deleted the card immediately, but additional fraudulent cards were created shortly afterward. Despite my efforts to secure the account and multiple calls to XXXX XXXX, the fraudulent activity continued. 

During this period, my account was repeatedly closed due to suspicious login attempts from outside the United States. Each time, I had to call to have it reopened, only for it to be closed again within hours or days. Eventually, I was told the account was permanently closed due to the number of disputes filed, even though those disputes were directly related to fraudulent transactions. At that point, I was also informed I could not open another XXXX XXXX account. 

Initially, I believed the disputes would resolve the fraudulent charges and that I would be credited back. However, on XX/XX/XXXX, I received an email stating that the investigation concluded there was no evidence of fraud or compromise, and that the {$500.00} previously credited to me would be withdrawn from my account within five days. This is extremely concerning, because : I have no access to the closed account.

I do not have funds to cover this {$500.00} reversal.

The activity was clearly unauthorized ( including a changed email, new digital cards labeled Test, and login attempts from foreign IP addresses ). 

I have no prior history of cryptocurrency purchases or XXXX transactions. 

I attempted to follow up with XXXX XXXX, requesting documentation of how they reached their conclusion, but instead of investigation notes, I was only provided several months of account statements, which do not explain their decision. 

I believe this is an attempt to collect a debt that resulted from identity theft and fraud. I am requesting that this matter be reviewed as such and that I am not held responsible for charges I did not authorize. There are also more disputes that were made within this time due to the hack that are open and I fear they will try to do the same thing again.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
They never validated this debt. Nothing but a bill statement and account number that is blacked marking nothing with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am the victim of identity theft. My credit reports contain multiple fraudulent accounts that I did not open or authorize. Despite providing proof of identity theft, these accounts remain on my credit reports and are causing me harm. 

The following fraudulent accounts appear on my credit reports : XXXX. XXXX XXXX XXXX XXXX {$1900.00} XXXX. XXXXXXXX XXXX XXXX {$500.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX XXXX {$340.00} I have provided supporting documentation including my government-issued ID, proof of address, and an FTC Identity Theft Report ( Report No. XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to block and delete identity theft-related information within four ( 4 ) business days of receiving proper documentation. Despite this, these fraudulent accounts remain. 

Failure to remove these items is a violation of the FCRA. I request CFPB assistance to compel Experian, Equifax, and TransUnion to comply with federal law and delete these fraudulent accounts immediately.

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 2025-09-09 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 am the victim of identity theft. My credit reports contain multiple fraudulent accounts that I did not open or authorize. Despite providing proof of identity theft, these accounts remain on my credit reports and are causing me harm. 

The following fraudulent accounts appear on my credit reports : XXXX. XXXX XXXX XXXX XXXX {$1900.00} XXXX. XXXXXXXX XXXX XXXX {$500.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX XXXX {$340.00} I have provided supporting documentation including my government-issued ID, proof of address, and an FTC Identity Theft Report ( Report No. XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to block and delete identity theft-related information within four ( 4 ) business days of receiving proper documentation. Despite this, these fraudulent accounts remain. 

Failure to remove these items is a violation of the FCRA. I request CFPB assistance to compel Experian, Equifax, and TransUnion to comply with federal law and delete these fraudulent accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Oliphant United, Inc.
State: PA

Complaint narrative:
b'Loan is from XXXX, they say its mine,  originally started with lending club and then they gave it to some other person and the OLIPHANT USA, now is the ones harassing me.  Its started:\nThese were the calls:\nXXXX and XXXX XXXX XXXX and \XXXX then I wrote them a letter to stop contacting me. They did for awhile, And now they started by calling and leaving messages and texting me about every other day . I will forward them to yous'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 explanation