vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

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

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX 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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AR

Complaint narrative:
On XX/XX/year> I notice that I was a victim Identity theft. I filed a identity theft report. The original creditor found that I Was Not liable for the debt and erase the debt from ALL OF my credit reports. Some how this collection agency is trying to collect on a debt that is a result of identity theft. I ask this company numerous of times to " VERIFY '' and validate this debt they claim I owe! This company refused to provide me with any such documents because it is IMPOSSIBLE for this company to provide me with anything bearing my signature because I am a victim of identity theft and this debt is not valid. This collection agency has acted in bad faith. Because they are trying to collect on a debt that is not valid and that they can not verify. However this is impossible because this debt is a result of identity theft as stated on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am submitting this follow-up complaint regarding Unauthorized/Fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EQUIFAX, the following fraudulent accounts remain on my credit report : XXXX XXXX  - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet [ insert name of credit agency ] continues to report them as mine without proper validation. 

I respectfully urge the CFPB to intervene and ensure that EQUIFAX complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: KS

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 1681b, 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 Federal 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 15 U.S.C. 1681i ( a ) ( 1 ) ( 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.

15 U.S. Code 1681b 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.

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S. Code 1681 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: KS

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 1681b, 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 Federal 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 15 U.S.C. 1681i ( a ) ( 1 ) ( 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.

15 U.S. Code 1681b 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.

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S. Code 1681 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD XXXX Subject : Cease and Desist Communication Account # XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is a formal notice pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). You are hereby instructed to cease and desist all communication with me regarding the above-referenced account, except as specifically permitted by law.

Any further communication from you, other than those allowed under 15 U.S.C. 1692c ( c ), will constitute a violation of federal law. Such violations will be documented and reported to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the North Carolina Attorney Generals Office.

This letter does not acknowledge or admit responsibility for the alleged debt and is not a waiver of any rights under state or federal law. 

I expect your immediate compliance with this demand. 

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 non-monetary relief
Consumer complaint received 2025-08-27 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
WHEREFORE, Plaintiff, XXXX XXXX XXXX, Living Woman, XXXX XXXX, not XXXX, respectfully demands judgment against Defendants, jointly and severally, and prays this Court award the following relief : Compensatory Damages ( Economic Losses ) For lost income, career advancement, and business opportunities wrongfully suppressed by Defendants misconduct, in an amount no less than {>= $1,000,000}. 

For denied housing, forced homelessness, loss of security deposits, and financial instability directly caused by false reporting, in an amount no less than {$500000.00}. 

For direct fraud losses ( hacked accounts, unauthorized withdrawals, phone hijacking ), in an amount no less than {$25000.00}. 

Non-Economic Damages ( Pain, Suffering & Trauma ) For severe emotional distress, XXXX, XXXX, XXXX, and the irreparable trauma of losing access to children, family life, and stability, in an amount no less than {>= $1,000,000}. 

Punitive Damages For Defendants willful, reckless, and malicious violations of the FCRA, FACTA, FDCPA, and Florida consumer protection laws, and for their deliberate reclassification of accounts and suppression of positive tradelines, in an amount not less than {>= $1,000,000}.

Constitutional and Civil Rights Damages Pursuant to 42 U.S.C. 1983, for deprivation of Plaintiffs rights under the 14th Amendment ( due process and equal protection ), compounded by regulatory failures of the CFPB, FTC, and Florida Attorney General, in an amount no less than {>= $1,000,000}.

Declaratory and Injunctive Relief An order directing Defendants to immediately delete all inaccurate, fraudulent, and reclassified entries on Plaintiffs credit files.

An order compelling Defendants to reinstate all suppressed positive tradelines, including mortgage, utilities, telecommunications, and paid accounts.

A permanent injunction prohibiting Defendants from further reporting false or misleading information about Plaintiff.

Costs, Fees, and Any Other Relief Award of court costs, expert witness fees, and any other relief this Court deems just, proper, and equitable. 

Total Demand : {>= $1,000,000} ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. XXXX  ) ( plus continuing damages, costs, and equitable relief ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have a balance of {$1300.00} sitting in my cashapp account that I cant access. Ive contacted support numerous times trying to get access to my Money. I have yet to get an update and they send out emails saying We have provided as much information as possible. Were unable to provide additional support and will be closing your case. 

Thanks always, XXXX Cash App Support Specialty Team And I still cant access my funds.. I cant withdraw my money, send it to another cashapp or anything its been months!! I just need my money this is my last

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank refuses to send illegal assessed interest REFUND to consumer/me puts on CLOSED account closed by consumer. 
Using fake XXXX XXXX so they dont have to pay or receive demand of refund.

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
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social XXXX Return Requested To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease & Desist Notice & Validation Demand under 15 U.S.C. 1692c ( c ), 1692g ( b ) Account No. : XXXX To Whom It May Concern : This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ) that you immediately cease all communication with me regarding the above-referenced account, pursuant to 15 U.S.C. 1692c ( c ).

Further, under 15 U.S.C. 1692g ( b ), you are required to provide full validation of the alleged debt if you intend to continue collection or report to any consumer reporting agency. Merely providing a generic statement, billing history, or unsubstantiated verification does not satisfy this requirement.

Specifically, you must produce : 1. A copy of the original signed contract or agreement creating the debt ; 2. A complete account history, including all charges, payments, interest, and fees ; 3. Documentation establishing your legal standing to collect, including chain of assignment from the original creditor to your agency ; 4. Proof that the alleged debt is still enforceable under applicable statute of limitations.

If you fail to produce these documents, any claim that the debt is verified will be considered incomplete and misleading, in violation of 15 U.S.C. 1692e and 1692g. Continued reporting of unverified information to credit reporting agencies also violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2.

If you can not provide full validation as described, you must immediately request deletion of this tradeline from all consumer reporting agencies ( XXXX, XXXX, and TransUnion ). 

Be advised that failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, and I will pursue all civil remedies including statutory damages, costs, and attorneys fees. 

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 non-monetary relief
Consumer complaint received 2025-08-27 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: NC

Complaint narrative:
XXXX XXXX {$9800.00} XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXXXXXX {$21000.00}

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 2025-08-27 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:
XXXX XXXX Bank XXXX, {$1900.00} XXXX XXXXXXXX Bank XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-27 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: TX

Complaint narrative:
I am disputing this reinserted account pursuant to 15 U.S.C. 1681c-2 and request that this fraudulent/unauthorized account be blocked or removed immediately.

I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. 
Under XXXX XXXX. XXXX, credit reporting agencies must block fraudulent/unauthorized information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with EXPERIAN, the following fraudulent/unauthorized account was reinserted on my credit report : XXXX - XXXX XXXX - XXXX This reinsertion is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification, yet EXPERIAN reinserted it without proper validation.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), reinsertion of deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law.

I urge the CFPB to ensure EXPERIAN complies with the law by blocking this fraudulent account immediately and confirming the action.

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