vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
I, am a victim of multiple data breaches that resulted in identity theft and the fraudulent opening of accounts in my name. These unauthorized accounts and inquiries are inaccurately reported on my Equifax and XXXX credit files. 

Fraudulent Accounts XXXX XXXX XXXX Acct. # XXXX {$21000.00} XXXX XXXX XXXX Acct. # XXXX {$16000.00} XXXX XXXXXXXX XXXX Acct. # XXXX {$38000.00} These accounts and inquiries were not authorized by me and are the result of criminal misuse of my personal identifying information. 



Statutory Authority for Removal FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires consumer reporting agencies to block identity theft information within 4 business days after receiving an identity theft report and supporting documents.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting fraudulent information once notified of identity theft.

FCRA 609 & 611 ( 15 U.S.C. 1681g & 1681i ) Provide my rights to dispute, access, and demand correction/removal of inaccurate information as. 
FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Prohibits reporting of obsolete accounts ( over 7 years old, except certain bankruptcies ).

FDCPA ( 15 U.S.C. 1692 et seq. ) Prohibits debt collectors from attempting to collect debts that result from identity theft.

18 U.S.C. 1028 Makes identity theft and fraudulent use of personal identifying information a federal crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc.
State: FL

Complaint narrative:
Copy of my correspondence with XXXX : From : XXXX To : XXXX XXXX XXXX XXXX XXXX  at XXXXXXXX XXXX XXXXXXXX, I am writing to you because your bosses are not responding to my attempts to contact them since I decided not to renew my lease, but I know they read your correspondence. Following, the completion of the picture taking inspection required for vehicle return your financial office called me to update my account and later sent me a final bill of {$390.00} scheduled on XX/XX/2025. On this date I received a call from XXXX asking me if I was going to keep the appointment for my new lease and I said no and to please cancel it. Later on, that same day I received a text message from XXXX saying that my final bill was now {$3700.00} for a wear and tear of the vehicle that sat in my garage 80 % of the time and only had accumulated XXXX miles of use. 
As a result, I consider this retaliation for mine not renewing the lease as I am an XXXX man who does not really need the car. However, if XXXX feels like playing games and escalate the issue, I will need to have an itemized list of charges that add up to {$3700.00} for wear and tear of the car that I can bring to the regulators for settling this matter. 
Please I ask you to forward this email to upper management for the record. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a {$1000.00} loan from Uprova with bi-weekly payments of {$260.00}. On XX/XX/XXXX, Uprova refinanced the loan into {$1500.00}, claiming it paid off the first balance and gave me the difference. On XX/XX/XXXX, they repeated this practice, refinancing the loan into {$2000.00}. 

In less than XXXX months, I have already repaid {$2500.00} more than my original principal, yet I remain in escalating debt. According to the payment plan for the latest loan, I am scheduled to pay {$380.00} bi-weekly until XX/XX/XXXX, totaling {$7600.00} on a {$2000.00} loan, with only {$61.00} of each payment going to principal. This is predatory lending by any standard. 

I was never provided or asked to sign a loan agreement, advised of repayment schedule, or APR disclosure. All communication is by email/text only. Based on repayment history, the effective APR exceeds 160 %, and the current plan projects well over 300 % APR equivalent. 

Uprova advertises No hidden fees, no predatory terms, easy to understand loans, but my experience has been the opposite.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I got a call from Sunrise Debt Collectors. They told me I owed XXXX XXXX XXXX money. I remember in XXXX  I think I got a charge from XXXX XXXX XXXX. It was a charge of about XXXX XXXX and then I got charged like XXXXXXXX XXXX possibly from them also. My credit card information was stolen, so I disputed the transaction. Now that I am writing it out, it may have been later that XXXX XXXX I think was a small XXXX XXXX charge in New York I got. Then my information got stolen another time that was much bigger. 

I remember the XXXXXXXX XXXX and XXXXXXXX XXXX XXXX, I did make a mistake and dispute and XXXX charge to a subscription I did pay for. So I could be mistaken about the XXXX XXXX but XXXX showed me what I paid for. These people, I tell them I think it is not from me, and that I have nothing to do with XXXX XXXX XXXX. I always used XXXX and then I used some XXXX before I got a good plan with XXXX  which is now XXXX. I never used XXXX XXXX XXXX  so I don't know how I owe them money. 

I tell them this, but they are just hard to communicate with. Then I saw it is on my credit report now. And I looked up how to deal with it. Next time they called, I requested a Debt Validation Letter. They say they sent me a statement already, but they can't send the statement again, and also a statement doesn't necessarily fulfill the requirements that the Debt Validation Letter is required to send. Now every time they call, and I ask them about this, they just hang up. But they don't stop calling me, and it is on my credit history this collections that I don't think is even mine.

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 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Im XXXX XXXX. Ive been monitoring my internet and mobile bill for a few months that Ive been a customer with XXXX XXXX XXXX. My XXXX XXXX XXXX  bundle ( mobile and internet ) charges still doesnt reflect my balance due. My cost should be as followed : mobile : {$80.00} internet : {$60.00} Due to XXXX XXXX XXXX not working with what they agreed to charge me, I switched telecommunications providers. The balance left on my account was sent to Credence resource management, collection agency, where the balance still doesnt match what my cost was. {$260.00} for the mobile service isnt incorrect. I havent contacted the collection agency yet, however XXXX XXXX XXXX attached services or fees that wasnt agreed on my bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Central Expy # XXXX XXXX, TX XXXX To Whom It May Concern, I am reaching out to whomever this matter concerns on behalf of myself, XXXX XXXX XXXX, a federally protected consumer. I am enforcing my rights according to XXXX XXXX XXXX by asking your company to VALIDATE the alleged debt as well as send me evidence that I am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer. 

I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. 

You have 30 days to validate this debt. If not validated, it shall be deleted and removed from my credit file immediately. 

I have also attached a CEASE AND DESIST that is effective immediately. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

XXXX U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
In XX/XX/year>, I became aware of the disputed debt that is not mine. I was contacted regarding a debt allegedly owed and currently being collected by Fair Collections and Outsourcing ( XXXX ). The amount in question is {$12000.00}. This debt is invalid and inaccurate as it does not belong to me. I contacted the building management, and they are also unaware of the debt. 

Since receiving notice, I have made multiple attempts to resolve this matter directly with XXXX. I reached out by phone and email, and finally by certified mail in XXXX of XXXX requesting documentation to validate the debt. Despite my repeated efforts, I have not received any proper verification or response. Instead, the debt remains on my credit report. 

I have also disputed this information with the credit reporting agencies, but no action has been taken to correct or remove this inaccurate entry. This ongoing issue has caused unnecessary stress and potential harm to my credit standing. 

I respectfully request that this alleged debt be fully investigated and, if XXXX can not provide accurate documentation, that it be immediately removed from my credit report. Continued reporting of an unverified and inaccurate debt is both unfair and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

XXXX U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I received a notice from Cash App stating that my Cash App Investing account is in violation of their Customer Account Agreement and will be closed. I appealed this decision, but my appeal was denied. Their response stated only that my account activity violates the Terms of Service, without providing any specific explanation.

I have not used the Investing feature of the app, so I do not understand why my account was flagged. Cash App has not provided details about what activity they are referring to, making it impossible for me to address or correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I receive a email show my citi bank will be closed, I try to contact them ask them why they closed my account, and they dont tell me i did not do anything wrong, I just use my account regularly, so Please help me out I try to get my account back

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 2025-09-23 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: AR

Complaint narrative:
In XXXX of 2025 my personal information was used in the state of Florida to purchase hotel rooms and other services. XXXX XXXXXXXX XXXX did not do their due diligence in making sure they had all proper documentation before lending out credit to an identity thief. This account was not opened by me and I have filed an identity theft report with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have a few closed accounts Ive been trying to get removed some XXXX XXXX  have disputed them several times no results

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