vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
First Citizens Bank is the most petty and corrupt financial institution Ive ever dealt with. Ive had numerous experiences to build this opinion on, however the most recent one is the direct THEFT of {$250.00} from my checking account on XX/XX/year>. The charge was posted to my account as a credit card payment. Since I dont have any credit cards, it was pretty easy to determine this was fraud. I immediately contacted the fraud department that morning. This was their response : According to our records, this item is in regards to your merchant dispute that was filed on XX/XX/year> ; case number XXXX. The debit is the reversal of the provisional credit that was issued on XX/XX/year>. The reason the credit was reversed is the merchant credit your account on XX/XX/year>. 

This was just a flat out lie. On XX/XX/year> there was a credit for {$290.00} that was a returned product refund at XXXX because I was charged incorrectly at the checkout line on XX/XX/year>. The refund was for a purchase I had literally just made seconds prior. 

The disputed transaction with XXXX 's had absolutely nothing to do with that since it was from a transaction on XX/XX/year>, almost an entire month before the other events. I rented an excavator from XXXX and was charged a {$530.00} deposit to get the machine. The rental charge was {$280.00} ( {$260.00} before taxes ). The credit I received for {$250.00}, was the difference between what my deposit was, and what the rental charge was supposed to be. I have this in a contract on XXXX letterhead proving all of this clearly. The fact I got my money back on a return has nothing to do with being overcharged for a rental a month prior, and the scumbag crooks at first citizens knew that but tried to get away with the theft anyways. My account is still overdrawn at this time because I wont stand for this criminal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I AM ASKING FOR THIS TO BE REMOVED OR THE CONTRACT TO BE SENT AND I AM ASKING FOR A 1099 C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 is a formal CFPB complaint and notice of dispute regarding multiple fraudulent accounts appearing on my credit report. This complaint is sent in conjunction with the enclosed FTC Identity Theft Report ( Report Number : XXXX ), which documents that I am a victim of identity theft. 

Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 605b, this comlaint serves as a demand for the immediate blocking and removal of all fraudulent accounts listed below from my consumer credit file. I am not the party who entered into these credit agreements and am therefore not liable for these debts.

Consumer Information
: Name : XXXX XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Phone : XXXX FTC Report Number : XXXX Fraudulent Accounts to be Blocked and Removed : I demand the immediate blocking and deletion of the following accounts from my credit report as they were opened by a thief and are a direct result of identity theft : Company : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Details : This is a fraudulent credit card account. 

Company : XXXX. XXXX XXXX Account Number : XXXX XXXXXXXX Details : This is a fraudulent credit card account opened by a thief. 

Company : XXXX XXXX XXXX Account Number : XXXX XXXX Details : This is account was not aurthorized by me Company : XXXX XXXX XXXX Account Number : XXXX XXXX Details : This is a fraudulent credit card account opened by a thief.

Demand for Action : Pursuant to FCRA 605b, once a credit reporting agency receives a police report or an FTC Identity Theft Report, it must block the reporting of any information related to the fraudulent accounts within 4 days. Furthermore, I demand that the original creditors and any third-party debt collectors be notified of this identity theft and instructed to cease all collection activity.

Under UCC 3-401, a person is not liable on an instrument unless the person signed the instrument. I never signed for or authorized any of these accounts. I consider any reporting of these accounts to be a violation of my rights as a consumer and a victim of identity theft.

I expect to receive confirmation of the removal and blocking of these fraudulent items within the legally mandated timeframe. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Sincerely, XXXX XXXX XXXX XXXX. 


Enclosures : FTC Identity Theft Report ( Report 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 2025-08-02 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:
This is a formal CFPB complaint and notice of dispute regarding multiple fraudulent accounts appearing on my credit report. This complaint is sent in conjunction with the enclosed FTC Identity Theft Report ( Report Number : XXXX ), which documents that I am a victim of identity theft.

Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 605b, this comlaint serves as a demand for the immediate blocking and removal of all fraudulent accounts listed below from my consumer credit file. I am not the party who entered into these credit agreements and am therefore not liable for these debts.

Consumer Information : Name : XXXX XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Phone : XXXX FTC Report Number : XXXX Fraudulent Accounts to be Blocked and Removed : I demand the immediate blocking and deletion of the following accounts from my credit report as they were opened by a thief and are a direct result of identity theft : Company : XXXX XXXX XXXX Account Number : XXXX XXXX Details : This is a fraudulent credit card account. 

Company : XXXX. XXXX XXXX Account Number : XXXX XXXXXXXX Details : This is a fraudulent credit card account opened by a thief. 

Company : XXXX XXXX XXXX Account Number : XXXX  XXXX Details : This is account was not aurthorized by me Company : XXXX XXXX XXXX Account Number : XXXX XXXX Details : This is a fraudulent credit card account opened by a thief.

Demand for Action : Pursuant to FCRA 605b, once a credit reporting agency receives a police report or an FTC Identity Theft Report, it must block the reporting of any information related to the fraudulent accounts within 4 days. Furthermore, I demand that the original creditors and any third-party debt collectors be notified of this identity theft and instructed to cease all collection activity.

Under UCC 3-401, a person is not liable on an instrument unless the person signed the instrument. I never signed for or authorized any of these accounts. I consider any reporting of these accounts to be a violation of my rights as a consumer and a victim of identity theft.

I expect to receive confirmation of the removal and blocking of these fraudulent items within the legally mandated timeframe. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Sincerely, XXXX XXXX XXXX XXXX. 


Enclosures : FTC Identity Theft Report ( Report 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 non-monetary relief
Consumer complaint received 2025-08-02 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: SC

Complaint narrative:
This is a formal CFPB complaint and notice of dispute regarding multiple fraudulent accounts appearing on my credit report. This complaint is sent in conjunction with the enclosed FTC Identity Theft Report ( Report Number : XXXX ), which documents that I am a victim of identity theft.

Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 605b, this comlaint serves as a demand for the immediate blocking and removal of all fraudulent accounts listed below from my consumer credit file. I am not the party who entered into these credit agreements and am therefore not liable for these debts.

Consumer Information : Name : XXXX XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Phone : XXXX FTC Report Number : XXXX Fraudulent Accounts to be Blocked and Removed : I demand the immediate blocking and deletion of the following accounts from my credit report as they were opened by a thief and are a direct result of identity theft : Company : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Details : This is a fraudulent credit card account. 

Company : XXXX. XXXX XXXX Account Number : XXXX  XXXX Details : This is a fraudulent credit card account opened by a thief. 

Company : XXXX XXXX XXXX Account Number : XXXX  XXXX Details : This is account was not aurthorized by me Company : XXXX XXXX XXXX Account Number : XXXX  XXXX Details : This is a fraudulent credit card account opened by a thief.

Demand for Action : Pursuant to FCRA 605b, once a credit reporting agency receives a police report or an FTC Identity Theft Report, it must block the reporting of any information related to the fraudulent accounts within 4 days. Furthermore, I demand that the original creditors and any third-party debt collectors be notified of this identity theft and instructed to cease all collection activity.

Under UCC 3-401, a person is not liable on an instrument unless the person signed the instrument. I never signed for or authorized any of these accounts. I consider any reporting of these accounts to be a violation of my rights as a consumer and a victim of identity theft.

I expect to receive confirmation of the removal and blocking of these fraudulent items within the legally mandated timeframe. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Sincerely, XXXX XXXX XXXX XXXX. 


Enclosures : FTC Identity Theft Report ( Report Number : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MO

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$22000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$780.00} XXXX - XX/XX/XXXX - {$650.00} XXXX - XX/XX/XXXX - {$530.00} Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: AR

Complaint narrative:
I am the victim of identity theft and have submitted the proper documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), including an identity theft report and proof of identity. Despite this, certain fraudulent accounts remain on my credit report. These accounts were not authorized or opened by me and have already been removed by one or more credit bureaus after verification. However, other bureaus continue to report them, which is a direct violation of the requirement to block such information within four business days of receiving a valid request.

DP OF EDUC XXXXXXXX XXXX XXXX  Balance : {$1200.00}

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 explanation
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: TX

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
SOMEONE USED MY PERSONAL INFORMATION TO OPEN SEVERAL FRAUDULENS ACCOUNTS IN MY NAME. FROM A BANKRUTCPY TO CREDIT CARDS AND LOANS IN MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I don't know what the problem is the company is saying that I did something wrong and it caused the problem to close my account and no explanation was given

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: World Acceptance Corporation
State: TX

Complaint narrative:
I did open-air loan with WORLD FINANCE CO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX XXXX. It shows up as charge off on my credit report. Report stated account was opened XX/XX/year>. I have been disputing it since with all 3 buerus and still keep getting denied to remove this record from my file. I don't have proof that is not my account because creditor has not supplied the loan records to me. I have put freeze on my reports but It is affecting my credit score.

Dispute results state their investigation confirms accinount belongs to me but thay is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
To Whom It May Concern : I am writing to dispute a fraudulent inquiry that has appeared on my credit report. I am a victim of identity theft, and this letter serves as my formal request for the removal of this unauthorized entry. My personal information is as follows : Name : XXXX XXXX, Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX, XXXX, Phone : XXXX, Email : XXXX. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), and the report number is XXXX. The unauthorized inquiry I am disputing is : XXXX  XXXX : An inquiry dated XX/XX/year>. I confirm that I did not apply for any credit or services with XXXX  XXXX on or around this date, nor did I provide authorization for any entity to access my credit report for this purpose. This inquiry is a clear indication of fraudulent activity and is part of a broader pattern of identity theft that I am actively addressing. I request that you promptly investigate this fraudulent inquiry and remove it from my credit report. I have attached a copy of my FTC Identity Theft Report for your reference and verification. What would be a fair resolution to this issue? Thank you for your immediate attention to this serious matter. Sincerely, XXXX XXXX Attachments : - FTC Identity Theft Report No. XXXX - ID - SSN - PROOF OF ADDRESS - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
The following account ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-08-02 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:
The following account ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated.

This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer 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