vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: PA

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 FCRA 605B ) and 623, as a verified victim of identity theft. I have submitted documentation and supporting evidence, including my FTC Identity Theft Report, regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions, these accounts or their related information continue to appear or remain unblocked in my file.

The following fraudulent accounts must be permanently blocked and deleted from my credit file, and any future reinsertion of these or related accounts must be automatically prevented pursuant to FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) : FRAUDULENT ACCOUNTS XXXX Account No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor ) Account No : XXXX Date Opened : XX/XX/XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( duplicate both must be deleted ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts and inquiries were opened by an unknown party using my stolen identity, as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to them.

I demand that under FCRA 605B ( b ) you : Permanently block all information related to the fraudulent accounts and inquiries listed above.

Delete all existing records, inquiries, or derivative data connected to them.

Ensure future suppression, preventing these or related items from ever reappearing in my credit file.

Notify the furnishers that this information has been identified as fraudulent and must not be re-reported under 623 ( a ) ( 6 ) ( B ).

Provide written confirmation of the completed block and deletion within four ( 4 ) business days of receiving this notice.

This request also extends to any fraudulent information not currently visible in my credit file but included in my FTC Identity Theft Report such information must be preemptively blocked to prevent future appearance.

Failure to fully comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and subjects your agency to statutory damages, attorney fees, and civil liability under 15 U.S.C. 1681n and 1681o.

Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently removed and blocked from future reporting.

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 2025-11-23 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: Experian Information Solutions Inc.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I live on the XXXX XXXX XXXXXXXX in the state of Hawaii. A major wildfire burned down large sections of the island in XXXX of 2023, killing many people, making many more homeless on a small island that had difficulty relocating everyone, and prompting XXXX XXXX to declare a XXXX XXXX, XXXX. 

Shortly after, while nearly everyone on the island ( including myself ) were busy trying to find people homes and get food and medical care to those that needed it, I was unable to pay for XXXX month of an auto loan that I had with XXXX XXXX. It was paid shortly thereafter, in full, and is in good standing. 

Enforcing the collection of loans during a federally declared XXXX XXXX is illegal. In violation of FCRA Accuracy Requirements Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), after XXXX investigations into this matter, Transunion still reports the month of XX/XX/2023 as " late payment '', despite that a payment which can not legally be collected upon can not be late, and still refuses to remove this inaccurate 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 non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because multiple credit bureaus have failed to remove fraudulent accounts from my credit reports despite my submitting a valid FTC Identity Theft Report and formal FCRA disputes. 

The following accounts were opened without my authorization and are the direct result of identity theft : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. 

I submitted disputes to the credit bureaus along with my FTC Identity Theft Report and supporting evidence. However, the bureaus have not complied with their obligations under FCRA 605B and 611, including the requirement to block fraudulent information and properly investigate disputes. These accounts remain on my reports, causing significant harm, inaccurate reporting, and financial damage. 

These entities continue to report fraudulent information even after being notified of the identity theft and receiving documentation. Their failure to block, delete, or properly reinvestigate violates the FCRA.

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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Green & Sons Agency, Inc.
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Early Warning Services, LLC
State: NY

Complaint narrative:
ConsumerID : XXXX Name : XXXX XXXX Date Of Birth : XX/XX/XXXX ID # : XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX New York XXXX I am writing to request an investigation of the following information that appears on my Early Waming Systems consumer report. I have NEVER opened or used the following account numbers : ConsumerID : XXXX Bank Name : XXXX  XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email Addresses : XXXX Account Information Bank Name : XXXX XXXX  Bank Routing XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed Previous Account Status : Savings Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX : XXXX ID # ID State : * Email Addresses : XXXX Account Information Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Phone XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX ID # XXXX ID Type : STATE ID State : NY Email Addresses : XXXX Account Information Bank Name : XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXXXXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX ID # : XXXX ID Type : XXXX Email Addresses : XXXX I don't recognize the following accounts or authorized any doings. I'm a victim of identity theft and I don't recognize these aocounts on my report. Im requesting the following information be deleted from my Eary Warnings Consumer report immediately! I've attached a copy of the report for this request. 

Please Contact me at XXXX or XXXX Thank You for taking the time to Review My Complaint Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Early Warning Services, LLC
State: IN

Complaint narrative:
I have a bunch of hard/soft inquires on my credit report for credit cards ive never owned or tried to get. I was jumped and robbed from my personal information such as social and id cards in XXXX XXXX XXXX and ever since then i been getting a lot of charges, credit pulls, and a bunch of fraud on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: IN

Complaint narrative:
I have a bunch of hard/soft inquires on my credit report for credit cards ive never owned or tried to get. I was jumped and robbed from my personal information such as social and id cards in XXXX XXXX XXXX, and ever since then i been getting a lot of charges, credit pulls, and a bunch of fraud on my accounts.

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 2025-11-23 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: AZ

Complaint narrative:
CashApp XXXX XX/XX/XXXX at XXXXXXXX XXXX {$410.00} was sent from my account to a XXXX XXXX on CashApp with a note that said brake pads. I dont know who this person is and I never authorized this money to be sent to him. I requested a refund from the mentioned person which was denied. I then escalated it and requested a refund from CashApp and they also denied my request for refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had been going by back and forth with IRS for my refund from XXXX 
I was kicked out of my apartment and I had got my check deposit to that address. 
I wasnt notified by anyone. My mail was handed to me BUT not the IRS CHECK. 
My ex partner handed me all my mail. 
Come to find out it by IRS check was cashed through Bank of America to his account Through mobile check through the app into his account. 
I never authorized this, nor I signed it. He falsify my signature.

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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am reaching out again after reviewing the documents attached by National Credit Systems in their previous response. While they state they are collecting on behalf of XXXX XXXX XXXX, I am still unable to locate any part of the agreement, application, or lease that explicitly grants them access to my personal data or authorizes them to report anything about me to credit reporting agencies. 

I want to be very clear. I am not challenging the balance that may be owed to the original apartment complex. I am specifically challenging the legitimacy of this debt collectors involvement and how my sensitive consumer information ended up in their possession without my direct knowledge or written authorization. 

They continue to reroute attention to the charges from XXXX XXXX, but my inquiry is not about those charges it is about the lack of transparency, consent, and legal authority for National Credit Systems to even possess or share my personal and financial information under their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am disputing an alleged debt being reported by Columbia Debt Recovery. The company is attempting to collect a debt that I do not owe. The amount, dates, and details being reported are inaccurate and inconsistent with my records. 

On multiple occasions, I requested full validation of the debt, including the original agreement, itemized breakdown, proof of ownership/assignment, evidence that I am legally responsible for the debt, and all documents used to place this on my credit report. They did not provide any of the required documentation. 

Despite failing to validate the debt as required under the FDCPA ( 15 USC 1692g ), the company continues to report this account to the credit bureaus, which is a violation of the FCRA because unverified and inaccurate information can not be furnished. 

I am requesting that the CFPB review this matter and require the company to either provide full, legally compliant validation or remove the account from my credit reports entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery, a third person collection agency, has purchased XXXX of myt debts. They have been callilng monday through sunday before XXXX and after XXXX as well as sending text messges ontop of the calls. I have not agreed to recieve any sms correspondence regarding any debt collection. This has been going on for 5 years, and it apears that they have recently reset the original date of delinquency. It is a violation of the FCRA and potentially the FDCPA for a debt collector to illegally re-age a debt by changing the original date of delinquency on a credit report. I have blocked several numbers already asscoiated with Portfolio Recovery that still manage to come through as " XXXX XXXX '' calls. 

They have marked the acount of XXXX as opened as of XXXX when the debt was origianlly bought in XXXX And the one for XXXX as opened in XX/XX/XXXX when that debt was baught off in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: OH

Complaint narrative:
I am filing this CFPB Complaint to report separate fraudulent accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 2. A collection account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX. 3. A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 4. A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint because multiple credit bureaus have failed to remove fraudulent accounts from my credit reports despite my submitting a valid FTC Identity Theft Report and formal FCRA disputes.

The following accounts were opened without my authorization and are the direct result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted disputes to the credit bureaus along with my FTC Identity Theft Report and supporting evidence. However, the bureaus have not complied with their obligations under FCRA 605B and 611, including the requirement to block fraudulent information and properly investigate disputes. These accounts remain on my reports, causing significant harm, inaccurate reporting, and financial damage.

These entities continue to report fraudulent information even after being notified of the identity theft and receiving documentation. Their failure to block, delete, or properly reinvestigate violates the FCRA.

Company response to consumer: Closed with non-monetary relief