vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: PA

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 2025-08-16 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: PA

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 2025-08-16 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX Pl apt XXXX XXXX XXXX CA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX Massachusetts ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX California ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX California ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX California ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX Bank XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX California ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX California ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
T

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: SC

Complaint narrative:
I am disputing this account due to inaccurate contradictory and misleading reporting which violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) requiring all consumer information to be reported with maximum possible accuracy. The account is reported as " Closed '' with a XXXX balance and XXXX past due and marked As Agreed yet is simultaneously flagged as 30 Days Late 1 Time which contradicts its Good Standing status as listed by XXXX. Additionally XXXX  reports the high credit as XXXX while XXXX lists XXXX and XXXX completely omits a credit limit demonstrating further inconsistency. If this was truly a charge account with only XXXX ever used it is unreasonable for a XXXX credit line to be reported without detailed utilization history or validation. The presence of a late payment on a closed paid XXXX balance account especially one showing As Agreed is inconsistent and damaging to my credit profile. As this account appears to be unverified improperly reported and misleading it must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
CFPB Complaint Refile / Continuation Against Fay Servicing , LLC Prior CFPB Complaint Date : XX/XX/year> Account Number : XXXX Property Address : XXXX XXXX XXXX XXXXXXXX, NJ XXXX CFPB Case Prior Number : XXXX CFPB Refile Dispute of Unauthorized Loan Balance Increase What happened : Fay Servicing has added {$43000.00} to my loan balance with no contractual, statutory, or accounting basis. This amount was not disclosed, explained, or supported by any documentation in their XX/XX/year> CFPB response. 

Under Truth in Lending Act ( TILA ), 12 CFR 1026.36 ( c ) ( 1 ) ( i ), a servicer may not fail to credit a periodic payment as of the date of receipt, nor may they misstate or inflate the amount owed. Under RESPA Regulation X, 12 CFR 1024.35 ( a ), any charge added to a mortgage account must be fully supported by documentation and explained in writing upon a borrowers request for information. Fay has failed to do either.

By adding this undisclosed amount to my balance, Fay Servicing is : Violating 12 CFR 1024.38 ( b ) ( 1 ) ( vi ) by failing to maintain accurate records and promptly correct errors.

Engaging in an unfair, deceptive, or abusive act or practice ( UDAAP ) under 12 U.S.C. 5531, as the amount materially increases my payoff without legal basis.

Breach of contract, as my Commercial Promissory Note contains no clause authorizing lump-sum additions of unexplained principal balances outside of documented principal advances. 

What you want the company to do : Provide full documentary evidence showing : a ) The date, reason, and legal authority for the {$43000.00} addition. 
b ) Corresponding receipts, invoices, or accounting entries proving the debt is legitimate. 

Immediately remove the {$43000.00} from my loan balance if such evidence can not be produced. 

Issue a corrected payoff statement reflecting only contractually agreed principal, interest, and lawful fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am disputing Venmos decision to hold me liable for a {$320.00} chargeback from a legitimate in-person sale, where I am clearly a secondary victim of fraud. I'm attaching the evidence packet prepared for police. Video footage was uploaded by XXXX climbing and therefore not part of this submission. 

Facts : XX/XX/year> : An individual identifying as XXXX XXXX XXXX met me at XXXXXXXX XXXX XXXX  XXXX, WA ) to buy a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$320.00}. 
Buyer sent {$320.00} via Venmo ; I confirmed the payment cleared before releasing the merchandise. 
I have security footage and witness statements confirming the exchange. 
XX/XX/year> : Venmo notified me of a dispute via email ( [ ACTION REQUIRED ] Outstanding Venmo balance following your dispute resolution ).

I submitted full proof of delivery and transaction legitimacy the same day. 
XX/XX/year> : Venmo informed me they lost the dispute to the buyers credit card company/Bank and would hold me liable. 
Police Report filed : Case # XXXX. 

Issue : If the Venmo account was hacked and used without authorization, the primary victim is the account holder, not me. Venmo is improperly shifting the loss to an unrelated seller, which is an unfair business practice and contrary to the principles of the Electronic Fund Transfer Act and FTC Act.

Requested Resolution : 1. Remove the {$320.00} negative balance from my Venmo account.

2. Confirm in writing that no collection or credit reporting will occur. 
XXXX. Update records to reflect my status as a secondary victim of fraud, not a debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was trying to start a business in 2020 and I applied for a business loan and was denied. Thats when I decided to take a good look at my credit score when I realized that my credit report showed accounts in collections that I never authorized. I tried contacting companies but no one ever helped. At that time I was going through a difficult time with my mental health after my mothers passing and Covid. I didnt have the mental capacity to think about my credit at the time and try to fix it so I didnt contact anyone else until now that I am trying to dispute these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was trying to start a business in 2020 and I applied for a business loan and was denied. Thats when I decided to take a good look at my credit score when I realized that my credit report showed accounts in collections that I never authorized. I tried contacting companies but no one ever helped. At that time I was going through a difficult time with my mental health after my mothers passing and Covid. I didnt have the mental capacity to think about my credit at the time and try to fix it so I didnt contact anyone else until now that I am trying to dispute these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
am writing to formally dispute the accuracy and completeness of the account listed below, reported by XXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this account. 

Disputed Account Details : Creditor : XXXX XXXX XXXX Status : Charged Off Reported Balance : {$6500.00} Original Balance : {$22000.00} Past Due Amount : {$6500.00} Status Updated : XX/XX/XXXX Terms : 79 Months Responsibility : Joint Grounds for Dispute : Inaccurate Payment History Reporting The account shows 38 consecutive months of charge-off notations ( CO ), which is inconsistent with XXXX XXXX reporting standards and materially misleading. The XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Format Guide requires accurate, consistent, and non-duplicative reporting. Multiple consecutive CO notations are re-aging the debt in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Balance & Past Due Inconsistency The account is reported as charged-off, yet still reflects a past due balance of {$6500.00}. Once an account is charged off, there can not be an active past due balance under XXXX XXXX guidelines. This constitutes inaccurate credit reporting. 

Case Law Supporting Removal XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) held that the credit bureau must conduct more than a superficial investigation. 

XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) inaccurate reporting of charged-off balances deemed misleading and in violation of the FCRA. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reporting misleading or incomplete information is unlawful under the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) If this account has been transferred, sold, or placed with a third-party collector, continued reporting by the original creditor may also violate 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations.

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 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-16 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:
I am filing this complaint to report violations of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from [ Experian/Equifax/TransUnion ] , I discovered the presence of unauthorized inquiries as well as an obsolete charge-off account that is still being reported. These items are unlawful under federal law and are causing ongoing harm to my creditworthiness.XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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