vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has used my person information to open up these fraudulent accounts. I have never gave anyone permission to open these accounts in my name without my authorization or consent. This has really affected my ability to provide properly for my family. Inquiries are 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 2025-08-24 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has used my person information to open up these fraudulent accounts. I have never gave anyone permission to open these accounts in my name without my authorization or consent. This has really affected my ability to provide properly for my family. Inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-08-24 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-08-24 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:
XXXXXXXX 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 XXXXXXXX Re : Formal Dispute Fraudulent Collection Accounts ( Identity Theft & Breach ) Dear Credit Bureau, I am writing to dispute the reporting of the following accounts appearing on my credit file : - XXXX XXXX XXXX  / XXXX XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX Placed for Collection These accounts are inaccurate, fraudulent, unauthorized, and must be deleted immediately under my rights as a consumer. 
Basis of Dispute 1. Identity Theft / Data Breach Compromise I was notified as part of the XXXX  XXXX XXXX XXXX that my personal identifying information was compromised. This breach materially increased the likelihood of fraudulent accounts being opened without my authorization. 
XXXX. No Authorization or Knowledge I have no knowledge of these accounts and I never granted authorization to XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX for this debt. Reporting an account opened through identity theft is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates blocking fraudulent information. 
XXXX. Failure of XXXX XXXX Compliance The accounts are reported with conflicting notations : Placed for collection and Account information disputed by consumer. Such inconsistencies violate XXXX XXXX reporting standards, which require accurate and complete data. Any incomplete, unverifiable, or misleading reporting must be deleted under FCRA 607 ( b ).

4. Failure to Validate Debt Under FDCPA 809 ( 15 U.S.C. 1692g ), a collector must provide proper validation, including a signed agreement bearing my signature. No such validation has ever been produced. Continuing to report unverifiable accounts is unlawful. 
Demands - Immediate deletion of the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts from my credit file. - Provide me with written confirmation of deletion within 30 days as required by FCRA 611 ( 15 U.S.C. 1681i ). - If you believe you have evidence that I authorized these accounts, please furnish a complete copy of the signed contract, application, and itemized validation within the same timeframe.

If this dispute is not resolved, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the North Carolina Attorney General, and pursue remedies under FCRA 616, 617 for willful or negligent noncompliance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A Target credit card was opened under my name. The card had a limit of {$6000.00}. XXXX has already been charged to it. I became aware of this yesterday upon receiving a bill with a statement closing date of XX/XX/year>. I have since contacted all XXXX credit bureaus to lock my accounts and filed disputes. I also contacted XXXX today to have them shut the account. However, Im terrified that ALL my information has been leaked including my name, address, birthday, ssn, etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
Agreed upon settlement offer that would reflect being paid in full of {$870.00} on XX/XX/year> and would be reflected on all three credit bureau now is being listed as balance owed of {$290.00} which was not the agreement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: TN

Complaint narrative:
This account was paid in bankruptcy and has not been removed from credit report. The account was under XXXX and 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 explanation
Consumer complaint received 2025-08-24 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: TN

Complaint narrative:
This account was paid in bankruptcy and has not been removed from credit report. The account was under XXXX and 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 explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2025, Cash app closed my account with no reason other than the assumption of " suspected fraud '' on my end. Which, I contacted them about and they refused to provide any further information on that. But gave me the option to withdraw my funds. Which I tried doing multiple times, and ran into errors saying " You can not link a new bank account. If you successfully linked a bank account recently, please try linking that bank account. '' almost every single time, and when I tried linking the previous bank like they told me it didn't work. I contacted support. They didn't help, I tried multiple other different things and Cash App will just not let me receive or withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: VA

Complaint narrative:
I have went over my Credit Report with the XXXX Credit Bureaus and they have some incorrect information on my account, I have reached out to XXXX. XXXX  XXXX. Equifax XXXX. XXXX And my Consumer Protection Rights have been Violated by Them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 u.s.c. 1681i I have the right to dispute inaccurate information on my credit report. the following inquiries were not authorized by me, and I requested that they be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 u.s.c. 1681i I have the right to dispute inaccurate information on my credit report. the following inquiries were not authorized by me, and I requested that they be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally report and seek urgent assistance regarding an identity theft incident that has significantly impacted my personal and financial well-being. 
In XXXX and XXXX, I discovered that a Best Buy credit card account had been opened in my name without my knowledge or consent. I did not apply for this credit card, and upon learning of its existence, I immediately contacted Best Buys customer service to report the issue. The matter was escalated to their fraud department, which subsequently closed the fraudulent account. 
To further protect myself and document the incident, I submitted a report to XXXX, the official federal resource for identity theft victims. Despite these actions, this situation has caused considerable stress and concern. It has affected my sense of security and trust, and I am worried about the potential long-term consequences on my credit history and financial stability. 
I am urgently requesting your help to ensure that this matter is fully resolved. I would appreciate any support in confirming that the fraudulent account has been removed from my credit report and that no further unauthorized activity is occurring under my name. 
Thank you for your attention to this serious matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> at XXXX I got a message saying if It was me making these charges. I was still asleep. I woke up at XXXX and replied no it was not me. Someone used my information and tried to take {$1400.00} they succeeded but only took {$290.00}. I hope Wells Fargo will return my money

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 2025-08-24 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: MN

Complaint narrative:
b'I am a victim of FRAUD with XXXX. The account number associated with this Fraud is..   \nXXXX XXXX XXXX    is what the XXXX representative gave.  \nI do not do business with, or have bought any damn products from XXXX, and do not have anything to do with XXXX  \nThe amount of fraud from XXXX is  XXXX XXXX  is bill they gave to a creditor to SLAM my credit report.\XXXX  gave me an alert that somebody put something on my credit report, I am pissed and want it removed XXXX !!  I am livid...!!!\nREF# and info that Experian gave me to remove this once already is \n# XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OK

Complaint narrative:
In XXXX and again in XX/XX/XXXX, I submitted formal written disputes to Columbia Debt Recovery LLC ( d/b/a Genesis ) regarding a {$290.00} debt allegedly owed to XXXX XXXX. I specifically requested proper validation of the debt, including an itemized breakdown of charges, photographic evidence, repair estimates or invoices, inspection reports, and justification for charges such as paint and carpet replacement. 

In response, the company provided only XXXX sections of the lease agreement and a charge summary from XXXX XXXX  listing categories like " Damages, '' " Painting, '' and " Carpet '' with arbitrary dollar amounts. They failed to provide any of the documentation required under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite not fulfilling their legal obligation to validate the debt, Genesis reported the account to XXXX  approximately XXXX year later, in XXXX. I subsequently filed a dispute with XXXX, but the company verified the account without resolving my original dispute or supplying the requested documents. At no point have I received proper verification as required under FDCPA 809 ( b ). Additionally, if this debt was reported without being marked as disputed, that would constitute a violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ( 3 ) ). 

I am requesting that the CFPB investigate this matter and ensure that the debt is either properly validated or fully removed from my credit report. At the very least, the account should be updated to reflect that it is actively disputed by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Experian Information Solutions Inc.
State: FL

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 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Request for immediate deletion : I am formally notifying you that you are in direct violation of the Fair Credit Reporting Act.

On prior occasions, I submitted : - FTC Identity Theft Report # XXXX ( signed by law enforcement ) - Supporting identification documents- Affidavit and police report Under FCRA 605B ( a ) ( 1 ) ( A ), a consumer reporting agency must block reporting of an account alleged as identity theft within 4 business days of receipt of proper documentation. It has now been over 30 days, and the above account remains on my file.

Account : XXXX XXXX XXXX  ( Acct # XXXX ). 
Amount : {$110.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reporting on Experian and TransUnion. 

Inquiries : - XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion ) - XXXX XXXX - XX/XX/XXXX ( Experian ) Further violations include : -

FCRA 607 ( b ) failure to ensure maximum possible accuracy ( Original Creditor is not reported, balance is inconsistent ). - FCRA 623 ( a ) ( 5 ) illegal re-aging ( balance updated XX/XX/XXXX despite charge-off in XX/XX/XXXX ). 

- FCRA 611 improper reinvestigation ; TransUnion verified the account without documentation from the furnisher. Furthermore, the furnisher ( XXXX XXXXXXXX XXXX ) has reported this account as charged-off for tax/IRS purposes, yet continues to update the balance and list the account as past due as of XX/XX/XXXX. This is contradictory and constitutes inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ) and improper re-aging under 623 ( a ) ( 5 ).

If a debt has been charged-off and cancelled for tax purposes ( IRS Form 1099-C ), it can not simultaneously be reported as an active past-due balance.

This dual reporting is materially misleading, violates Metro 2 standards, and creates false impressions of liability. I demand immediate permanent deletion of this account from my credit file. Continued noncompliance will leave me no choice but to escalate with civil action for statutory damages of up to {$1000.00} per violation, plus attorneys fees under FCRA 616 and 617.

Attached is my ID, social, 2 ( Two ) - FTC reports from today and past report, 2 ( Two ) Affidavit from today and past, bank statement for proof of address, 3 Letters for dispute

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