vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX To : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Identity Theft Dispute Immediate Removal of Fraudulent Accounts and Inquiries To Whom It May Concern : I am writing to file a formal dispute and request the immediate removal of fraudulent accounts and inquiries placed on my credit file due to identity theft resulting from a data breach. My personal and financial information was compromised without my knowledge or consent. 

The following accounts and inquiries must be immediately removed as they are fraudulent and were not authorized by me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  These accounts and any related inquiries are a result of fraudulent activity. I have never applied for or opened any accounts with these creditors. Additionally, I request that these accounts be blocked from future reporting and permanently deleted from my credit file. 

I have attached the following supporting documentation for your records : FTC Identity Theft Report Police Report According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, you are legally required to block and remove all fraudulent information from a consumers file once proper documentation of identity theft has been provided. I expect compliance with this legal obligation and request confirmation that the fraudulent items have been removed. 

Please provide written confirmation of your investigation results and the removal of these accounts and inquiries within the XXXX timeframe as required by law. 

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 2025-05-14 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: SC

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX To : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Identity Theft Dispute Immediate Removal of Fraudulent Accounts and Inquiries To Whom It May Concern : I am writing to file a formal dispute and request the immediate removal of fraudulent accounts and inquiries placed on my credit file due to identity theft resulting from a data breach. My personal and financial information was compromised without my knowledge or consent. 

The following accounts and inquiries must be immediately removed as they are fraudulent and were not authorized by me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  These accounts and any related inquiries are a result of fraudulent activity. I have never applied for or opened any accounts with these creditors. Additionally, I request that these accounts be blocked from future reporting and permanently deleted from my credit file. 

I have attached the following supporting documentation for your records : FTC Identity Theft Report Police Report According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, you are legally required to block and remove all fraudulent information from a consumers file once proper documentation of identity theft has been provided. I expect compliance with this legal obligation and request confirmation that the fraudulent items have been removed. 

Please provide written confirmation of your investigation results and the removal of these accounts and inquiries within the XXXX timeframe as required by law. 

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 non-monetary relief
Consumer complaint received 2025-05-14 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I saw a credit card open on my account with a {$300.00} credit limit, but a {$0.00} balance that was not applied for by me. 

It was listed : XXXXXXXX XXXX XXXXXXXX. account # XXXX opened XX/XX/year> I googled the name and it gave me a company called XXXX XXXX XXXX, XXXX I called the number, but I had to push report it lost or stolen because I had no credit card number. I gave the lady my Social Security number, she pulled up the card. I told her I never received this card. She stated you can not pay on this card anymore. I asked who opened this account, and she stated XXXX XXXX XXXX. I told her it was fraud and not mine. She hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AR

Complaint narrative:
So recently my cash app account was compromised on a different device and different ip address. I tried contacting cashapp trying to file a dispute for the transactions that were authorized when my account was compromised for unauthorized transactions and after a day went by they emailed me and told me that there was no error found and that I was the one who authorized the transaction since is a add money transaction which I didnt authorize for money to be added to my cashapp balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding the continued inaccurate and damaging reporting of multiple fraudulent accounts that were opened in my name without authorization. I am the victim of identity theft and have submitted a verified Identity Theft Report to the Federal Trade Commission ( FTC ), Report # XXXX, which details the fraudulent accounts at issue. 

Despite providing this information, the following creditors and debt collectors have continued to report or pursue collection on accounts that are not mine, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) :. JPMCB CARD SERVICES ( JPMorgan Chase Bank ) - This account is fraudulent. I did not open or authorize any account with JPMCB. It is explicitly listed in my FTC Identity Theft Report. Despite a XXXX balance, the account continues to be reported as charged off, which is derogatory and harmful. Under FCRA XXXX, this information must be blocked or deleted upon identity theft notification., XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Debt Collector for XXXXXXXX XXXX I contacted XXXX directly. The representative confirmed that : There is no agreement or contract between me and XXXX. 

They would need to contact XXXX XXXX for documentation. I have never opened an account with XXXX XXXX. This is another fraudulent tradeline, identified in my FTC report. Despite notice of identity theft, XXXX continues to report this account as active, delinquent, and charged off. This violates FCRA XXXX ( b ). 

I clearly stated that the debt was fraudulent and that I had filed an identity theft report. I explicitly instructed them not to seek validation, but to close the matter. Despite this, XXXX continued collection efforts. They are attempting to collect on a debt they can not validate, in violation of FDCPA XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Capital Management Services, LP
State: CA

Complaint narrative:
I am submitting this complaint regarding the continued inaccurate and damaging reporting of multiple fraudulent accounts that were opened in my name without authorization. I am the victim of identity theft and have submitted a verified Identity Theft Report to the Federal Trade Commission ( FTC ), Report # XXXX, which details the fraudulent accounts at issue. 

Despite providing this information, the following creditors and debt collectors have continued to report or pursue collection on accounts that are not mine, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) :. XXXX XXXX XXXX ( XXXX XXXX Bank ) - This account is fraudulent. I did not open or authorize any account with XXXX. It is explicitly listed in my FTC Identity Theft Report. Despite a XXXX balance, the account continues to be reported as charged off, which is derogatory and harmful. Under FCRA XXXX, this information must be blocked or deleted upon identity theft notification., XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Debt Collector for XXXXXXXX XXXX I contacted XXXX directly. The representative confirmed that : There is no agreement or contract between me and XXXX. 

They would need to contact XXXXXXXX XXXX for documentation. I have never opened an account with XXXXXXXX XXXX. This is another fraudulent tradeline, identified in my FTC report. Despite notice of identity theft, XXXX continues to report this account as active, delinquent, and charged off. This violates FCRA XXXX ( b ). 

I clearly stated that the debt was fraudulent and that I had filed an identity theft report. I explicitly instructed them not to seek validation, but to close the matter. Despite this, XXXX continued collection efforts. They are attempting to collect on a debt they can not validate, in violation of FDCPA XXXX and 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 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received a letter on XX/XX/XXXX referencing a Discover Bank balance that was owed. This letter was sent by debt XXXX, XXXX XXXX XXXX. I called them to find out additional information to no avail. I sent them a counter-offer on XX/XX/XXXX. I waited to hear their response. They never responded. 

On XX/XX/XXXX, a service officer attempted to deliver a summons to my house. I called the contact number given on the debt collector letter. The contact confirmed receipt of my counter offer. The contact stated that they filed a suit in XX/XX/year>. He said that the suit would only be dropped once I paid off the debt. 

Here are the issues in which I would like to file a complaint : Lack of Notice of Assignment : I was not notified that the original debt was sold or transferred to a third party. I did not receive any communication or documentation from Discover Bank or the purchasing entity regarding this alleged assignment or sale. Therefore, I question the legal standing of the plaintiff to sue for a debt it no longer owns. 

Request for Proof of Debt and Standing : I requested that these debt collectors provide the following from Discover Bank : The original signed agreement or contract establishing the debt ; A complete payment history including all charges, interest, payments, and fees ; Documentation proving Discover Bank currently owns the debt or has the right to collect ; Proof of notice of the sale or assignment of the debt to a third party, if applicable. 

I received no notice of the debts sale or transfer, I was denied an opportunity to verify or dispute the claim prior to a lawsuit being filed. 

The only thing that I received was a notice of a complaint filed with the XXXX XXXXXXXX on Thursday, XX/XX/year>. Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I recently checked my credit report and I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. 
Here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also attached my identity theft report as well.

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 2025-05-14 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: FL

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A collection account from XXXX XXXX XXXX was reported to Experian on behalf of XXXX XXXX. I was never notified of this alleged debt prior to its appearance on my credit report. I received no bill, letter, email, or phone call providing notice or an opportunity to resolve the balance. The first and only indication of this account was an alert from my credit monitoring service, at which point my score dropped from XXXX to XXXX. 

I disputed the account with Experian, clearly explaining that the debt was reported without prior written notice, which is required under the Fair Credit Reporting Act ( FCRA ) and, if Contract Callers is a third-party collector, also under the Fair Debt Collection Practices Act ( FDCPA ). Experian responded by simply stating the account was verified, without addressing or investigating the lack of notice. 

I am requesting that this account be removed from my credit report due to the procedural failure to notify me prior to reporting. I also request a written explanation from both Contract Callers and Experian describing how notice was provided and how this dispute was handled

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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: NE

Complaint narrative:
I notified XXXX Bank Delaware over 3 months ago that my sister XXXX XXXX ( owner of the credit card ) was deceased as of XX/XX/year>. I enclosed a death certificate verifying date of death. XXXX XXXX XXXX XXXX XXXX XXXX has sent me XXXX letters requesting more information. I also talked to them on the phone. I told them as I state here that : there was no estate in probate court. There was was no money in an estate to file anything. She left behind personal belongings ( household furnishings, clothes, & miscellaneous items. Nothing of monetary value. She had no money holdings or property anywhere. She lived in a housing authority apartment. She had only XXXX in her bank accounts. This money was used to help us pay funeral and burial expenses, which covered very little of the total expenses. I and the rest of the family are not responsible for her debts. I kindly informed all of her creditors of her passing. I did not have to do this. The creditors are tormenting me for a debt that is not mine. I am already mourning the unexpected tragic death of my sister. I want XXXX XXXX XXXX to stop contacting me. As they are the only one who is continuing to harass me. I am throwing future correspondence in the trash unopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency XXXX XXXX XXXX & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-14 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX IN XXXX and XXXX XXXX, has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 
And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated

Company response to consumer: Closed with non-monetary relief