vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : [ XXXX  ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ XXXX XXXX XXXX ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am challenging the validity of three Collection/Charge Off accounts that Equifax is currently reporting on my credit file without proper verification. The accounts in question are : XXXX XXXX ( Account XXXX. XXXX ), dated XX/XX/XXXX for {$0.00} ; XXXX XXXX XXXX ( Account No. ending in XXXX ), dated XX/XX/XXXX for {$1100.00} ; and XXXX ( Account XXXX. XXXX ), dated XX/XX/XXXX for {$3300.00}. These entries remain on my report despite no clear or original documentation being provided to establish their validity. The account from XXXX XXXX with a {$0.00} balance should not be reporting as derogatory in any manner. The XXXX and XXXX accounts have not been verified with full documentation proving the legitimacy of the alleged debt, including the original contract, a complete transaction history, or debt validation required by 15 U.S.C. 1692g. Furthermore, Equifaxs continued reporting of these entries without proper reinvestigation contradicts the FCRAs requirement under 15 U.S.C. 1681i for a reasonable and lawful investigation into all disputes. Equifaxs failure to meet these legal standards is particularly troubling given recent findings by the Consumer Financial Protection Bureau ( CFPB ), which found that Equifax had engaged in sham investigations, violating 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) by failing to perform proper reinvestigations. Additionally, under 15 U.S.C. 1681 ( a ) ( 5 ), any data deemed unverifiable must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 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 2025-05-29 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:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
I disputed a Jefferson Capital collection account for {$4000.00} that is being reported through XXXX. I submitted sufficient ID including my drivers license, utility bill, and last 4 digits of my SSN. 

I requested proper validation including : A signed contract or application A full billing history Chain of assignment from the original creditor to Jefferson Capital Permissible purpose documentation under FCRA 1681b XXXX  responded by stating the account was verified but provided none of the above. Their response was vague and failed to include any actual documentation, yet they continue to report this debt as accurate. 

Why this is a problem : This violates : FCRA 1681i no reasonable reinvestigation was performed FCRA 1681e ( b ) unverifiable information is still being reported FCRA 1681n willful noncompliance, given prior certified letters and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered that a third-party debt collector reported a {$2000.00} medical collection account on my credit report. This debt is invalid. It relates to an XX/XX/XXXX hospital visit after a car accident. At the time of treatment, I provided XXXX forms of insurance ( XXXX and XXXX ), paid a copay, and was explicitly informed by hospital staff that no further payment was owed. 

I contacted the original medical provider directly in XX/XX/XXXX, and they confirmed in writing that I have a {$0.00} balance and owe nothing. Despite owing nothing, the collector continued to claim the debt is valid and has reported it to all three major credit bureaus. 

I was never sent any billing statement, validation notice, or formal communication prior to the credit reporting. The only prior contact was a vague phone call several months ago, during which I said the debt was not mine and assumed it was a scam. No follow-up or written notice was provided. 

The collector marked the account as disputed by consumer, meets FCRA requirements but failed to validate the debt or cease reporting during the dispute, violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Furthermore, as of XX/XX/XXXX, the CFPBs final rule prohibits medical debt from appearing on consumer credit reports. This collectors actions violate that rule.

As a result, I was denied at least two credit cards ( including one from XXXX XXXX ) explicitly citing a derogatory collection account as the reason. This has caused material harm, including damage to my XXXX XXXX and inability to access essential financial tools as a student. 

I request that this debt be removed from my credit reports immediately, that the collector cease all collection activities, and that this violation be investigated and enforced under current federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Attempts to collect a balance from an account that does not belong to me. Please remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Personal Cash Loans of SC, Inc.
State: AL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello, I hope this letter finds you well. I am writing to inform you that I disagree with all debts you are collecting on or are placed with your company, in my name. This is under the Fair Debt Collection Practices Act only. Please note that this is not a request for further verification or documentation of debt ( s ). I simply wanted to make you aware of my disagreement regarding the debt in question.

For future communication, please note that if you need to contact me, the only convenient time and/or place for me to be contacted is on my cell phone via text, or on my cell phone, computer or tablet via Email. The only convenient times to contact me are between Monday through Thursday, between XXXX XXXX  and XXXX XXXX  XXXX XXXX. Any other time or location is not convenient. That includes a live call or voicemail, and I appreciate your understanding in this regard. 

Thank you for your attention to this matter. Your cooperation is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-29 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 THESE ACCOUNTS ARE NOT MINES AND I NEVER HAD ANY CONTRACT WITH THESE DEBT COLLECTORS. 
THESE ACCOUNTS ARE ILLEGALLY ADDED DEBT COLLECTION COMPANIES. 
I REPORTED THEM TO THE ( FTC ) ALL READY. PLEASE REMOVE THESE ACCOUNTS.. 

XXXX XXXX XXXX : Original creditor : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX : Original creditor : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  : Original creditor : XXXX XXXX Account number : XXXX XXXX XXXX XXXX  : Original creditor : XXXX XXXX Account number : 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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I disputed a Portfolio Recovery collection account for approximately {$5000.00} that originated from an XXXX credit card. I sent a formal dispute to XXXX  with full identification ( drivers license, utility bill, last 4 of SSN ), requesting the following : Signed contract or original application Full billing history Chain of assignment proving legal ownership of the debt Proof of permissible purpose under FCRA 1681b Experian responded with a generic verified status but provided none of the required documentation. They did not properly investigate or provide any evidence that Portfolio owns the debt or that the reported balance is accurate.

Why this is a problem : This violates : FCRA 1681i failure to perform a reasonable investigation FCRA 1681e ( b ) continuing to report unverifiable and possibly inaccurate information FCRA 1681n willful noncompliance, as Ive submitted this multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Klarna AB

Complaint narrative:
they requested payment and send wire details to a XXXX XXXX. when requested refund of money ( as they promised all money sent would be returned ). While is appears money is still in the account details they will not return anything until more money is paid. They call them selves Klarna and all communications are done on XXXX. They do not use any other ways of communications. I was contacted by the true Klarna and they confirm regretably that I was frauded. the true Klarna do not anything except via their Klarna.com. They do not use XXXX for anything. This fraud is done via a website which is fraud but appears to have my money that I have wired as well as work paid for by them to me but I can not access they money unless they agree and release. Approx. $ XXXX is money that I supposedly earned the remaining is my own poersonally and sent from my bank in XXXX which I was to receive back but now they tell me I have to pay $ XXXX to get it. Obviously I have not sent anything else. They have taken my money and now do not have anything. I still communicate with them via XXXX and ask for my money and they say I need to pay $ XXXX then they will release my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

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 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This company is under a lawsuit for constantly changing rent prices of tenants to match other surrounding apartments. Every time I went to my landlord to ask why my rent kept changing they could never really give me a solid answer. My rent price changed every month. So I do not believe that what they are trying to charge me for is fair and accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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