vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX ohio ] [ XXXX ] [ XX/XX/XXXX ] Date : [ XX/XX/XXXX ] EXPERIAN XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX Subject : Request to Block Fraudulent Accounts Under FCRA 15 U.S.C. 1681c-2 Engagement Code : XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate blocking of several fraudulent accounts that appear on my Experian credit report. 
XXXX  has informed me of a data breach involving the exposure of my personal information, and I have been provided with an Engagement Code XXXX verifying this incident. 
XXXX  Has Informed me of my Data has been expose also. 

The fraudulent accounts are as follows : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX These accounts were not opened by me and are the result of identity theft. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I am demanding that Experian, XXXX, XXXX, block and remove these accounts from my credit file. Under the FCRA, is required to block this information no later than four ( 4 ) business days after receiving my request and supporting documentation. 

Enclosed are the following documents to verify my identity and support this request : A copy of my government-issued identification ( drivers license or state ID ). 

Proof of my current address ( utility bill or bank statement ). 

A copy of my FTC Identity Theft Report [ or police report, if applicable ]. 

A copy of the notice containing my Engagement Code XXXX provided by XXXX  regarding the data breach. 

Please confirm in writing once these fraudulent accounts have been permanently removed from my XXXX  credit file and ensure that no further reporting of these accounts occurs. 

Thank you for your prompt attention to this 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 2025-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I informed this company that I had just oved into a place and signed a lease in a different state than what this debt is collected. I advised the company that I filed a police report and provided them with a copy of the police report along with the lease of the place I was residing at. I advised them that it was identity theft and to disregard it of my credit report. I was told that once they received the lease, they would delete the debt from all three credit reporting agencies. They have failed to do so even after receiving the information twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX intentionally communicated misinformation to your company. I have attached proof why this account is not suppose to be in dispute status.

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 2025-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach. After reviewing my credit reports, I noticed a cell phone account that I am not familiar with. This account is being reported by XXXX XXXX XXXX with XXXX XXXX XXXX listed as the original creditor. I have never opened or authorized this account. 

I have requested validation of this debt from the credit reporting agencies and the debt collector ; however, the required documentation has not been provided. Due to my information being compromised, I believe this account may be fraudulent and the result of identity theft.

As such, I have submitted this FTC complaint disputing the account and requesting a full investigation. Please find attached a copy of my ID, this FTC complaint, the XXXX report showing my information being exposed in a national data breach.

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 2025-09-21 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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

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 2025-09-21 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: LA

Complaint narrative:
This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that [ TransUnion / Equifax / Experian ] , the credit reporting agency , block and remove fraudulent information appearing on my credit report.

Under 605B, you are required to block such information within four ( 4 ) business days of receiving this complaint, my proof of identity, and the enclosed FTC Identity Theft Report ( FTC Complaint # XXXX ). 



The fraudulent, inaccurate, and false information includes multiple accounts that were opened without my authorization. These must be removed : This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that [ TransUnion / Equifax / Experian ] , the credit reporting agency , block and remove fraudulent information appearing on my credit report. 



Under 605B, you are required to block such information within four ( 4 ) business days of receiving this complaint, my proof of identity, and the enclosed FTC Identity Theft Report ( FTC Complaint # XXXX ). 



The fraudulent, inaccurate, and false information includes multiple accounts that were opened without my authorization. These must be removed : XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Additionally, there are fraudulent addresses and inquiries I do not recognize and did not authorize : XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] [ INQUIRY ] [ INQUIRY ] These items have caused significant harm to my credit report, as they were not opened or authorized by me. They are the direct result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX intentionally communicated misinformation to your company. I have attached proof why this account is not suppose to be in dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Experian Subject : Formal Dispute of Fraudulent Accounts Identity Theft Victim To Whom It May Concern, I am writing to formally dispute the accuracy of several accounts that appear on my credit report. These accounts were opened fraudulently without my knowledge or authorization and are the result of identity theft or a data breach involving my personal information. 

Please conduct an immediate investigation and remove the following accounts from my credit report : -- - Accounts to Be Removed ( Fraudulent ) : - * * XXXX XXXX * * {$820.00} - * * XXXX XXXX  * * {$640.00} - * * XXXX XXXX XXXX * * {$2300.00} - * * XXXX XXXX XXXX XXXX * * {$190.00} - * * XXXX XXXX  * * {$1500.00} - * * XXXX XXXX XXXX  * * {$450.00} and {$700.00} - * XXXX XXXX XXXX  * * {$17000.00} -- - These accounts do not belong to me, and I am not responsible for any balances, charges, or associated credit reporting. I am asserting my rights under the * * Fair Credit Reporting Act ( FCRA ) * * and requesting : 1. Immediate removal of the above-listed accounts from my credit file. 
2. A copy of my updated credit report reflecting these changes.

3. A written response confirming the outcome of your investigation.

Enclosed Documents : - Government-issued photo ID - Proof of address ( e.g., utility bill or lease ) - FTC Identity Theft Report or Police Report - Any data breach notification if applicable Please investigate these items as fraudulent and ensure they are permanently removed. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : 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 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MI

Complaint narrative:
I purchased concert tickets from XXXX on XX/XX/year>. The concert occurred on XX/XX/year>. I never received the tickets. I contacted XXXX over 6 times to get resolution. They never provided another set of tickets or a refund. I disputed this charge with klarna and they also did not offer me a refund for the tickets. So I disputed with my bank. Klarna is now coming after me again for the chargebacks that my bank issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On Friday, XX/XX/year>, at around XXXX XXXX, I called Citizens Bank to reactivate my dormant savings account. A representative reactivated it, and immediately after, I made two separate {$1000.00} internal transfers from my checking to my savings account. 

The {$2000.00} appeared in my savings account right after the transfer everything looked correct. 

However, the next day ( Saturday ), my savings account showed {$0.00}, and the {$2000.00} disappeared. I called Citizens again around XXXX XXXX  and was told the account had to be reactivated again, and that the money would be returned either within the hour, by end of day Saturday, or by Sunday. 

As of Sunday, XX/XX/XXXX at XXXX XXXX, my savings account still shows {$0.00} and there is no record of the {$2000.00}. The money has already been debited from my checking, and I have screenshots showing two {$1000.00} debits to my savings account number ( ending in XXXX XXXXXXXX ) and yet it is still at a XXXX balance! 

This has now been over XXXX hours without access to {$2000.00} of my own money, after multiple reassurances and conflicting statements from Citizens Bank. I was depending on those funds and have suffered from their failure to resolve this. I need this escalated immediately and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-09-21 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: PA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-21 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-21 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: MI

Complaint narrative:
To whom this may concern, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) on my credit report. I was confused when I learned you somehow " verified '' the disputed items, and they are still on my credit report. Can you confirm how this investigation was conducted and what the MOV was that was used? I am not disputing this again, I'm specifically asking for the method of verification for the below. 

As you know, in XXXX XXXX TransUnion, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX ( Equifax ), the courts ruled each and every time that the CRA couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the e-Oscar system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. 

Thank you Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Collection account. {$600.00} past due as of XX/XX/XXXX. 

Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Collection account. {$780.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account charged off. {$670.00} written off. {$980.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX XX/XX/XXXX Closed Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Filed reporting identity theft to the FTC. 
My reference is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: MI

Complaint narrative:
To whom this may concern, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) on my credit report. I was confused when I learned you somehow " verified '' the disputed items, and they are still on my credit report. Can you confirm how this investigation was conducted and what the MOV was that was used? I am not disputing this again, I'm specifically asking for the method of verification for the below. 

As you know, in XXXX XXXX TransUnion, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX ( Equifax ), the courts ruled each and every time that the CRA couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the e-Oscar system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. 

Thank you Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Collection account. {$600.00} past due as of XX/XX/XXXX. 

Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Collection account. {$780.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account charged off. {$670.00} written off. {$980.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX XX/XX/XXXX Closed Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Filed reporting identity theft to the FTC. 
My reference is : 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 2025-09-21 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lac Courte Oreilles Financial Services II
State: OK

Complaint narrative:
I opened a {$1000.00} installment loan, with a 680 % interest rate. I was told I could just quickly pay the loan off. I have paid almost {$1200.00} towards this loan and have been told that I now owe over {$2000.00} still. I do not know what to do the payment is almost {$600.00} a month. I found out this type of loan is not even legal where I live

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
For the past XXXX  months my US Bank credit card was fraudulently charged for XXXX, food, XXXX, and other fast food restaurants. I contacted US Bank and they said they can not help after 60 days and file a claim. They also said today, XX/XX/year> that their system is down and advised me to file a claim online in which there is no way to file a claim online. US Bank 's phone number is 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 monetary relief