vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-02 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2025-12-02 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: Experian Information Solutions Inc.
State: TX

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 2025-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because my consumer report contains false address information, an account I do not recognize, and multiple inquiries that I never authorized. These errors violate federal accuracy standards and continue to harm me. I am requesting full reinvestigation and deletion of every item that can not be verified with proper documentation. 

ADDRESSES XXXX XXXX XXXX, XXXX, CA XXXX This address has no connection to me and should not exist in my file. Under FCRA 602 ( A ) and 607 ( B ), you are required to maintain maximum possible accuracy, yet this address remains even though I have never lived there. It creates a misleading consumer profile and exposes my report to identity-mixing errors. I am requesting immediate deletion of this inaccurate and unverifiable address. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I have never lived at or been associated with this address. Under FCRA 611 and 609, any information that can not be verified must be removed. This address is harmful, inaccurate, and continues to violate my rights. I request immediate removal. 

ACCOUNT XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1400.00} I have no knowledge of this account and it is being reported as a charge-off without any proof of ownership or contract. Under FCRA 602 ( A ), 607 ( B ), 611, and 609, you must verify the accuracy and ownership of all accounts. If XXXX XXXX XXXX can not provide legally valid documentation showing that I opened this account, used it, and agreed to its terms, this account must be deleted. You are required to ensure the information is accurate and verified, not assumed. I am requesting full deletion. 

INQUIRIES XXXX XXXX XX/XX/XXXX I never applied for credit or provided authorization for this company to pull my report. If XXXX XXXX can not show written or documented authorization, you are required under FCRA 604 and 611 to delete the inquiry. 

XXXX XX/XX/XXXX I did not authorize this inquiry, and under FCRA 604 ( a ) ( 3 ), only an inquiry with permissible purpose may remain on my file. If they can not prove authorization, it must be removed. 

I request a full investigation, corrective action, and removal of all unverifiable items. My consumer report must reflect only accurate, lawful, and fully verifiable 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
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I called in and spoke with representative and my legal team confirming they recieved the documents we had sent over. I currently have been in ligation with this collection company for ideneity theft. I sent certified mail all required documents under fcra 605b and 15 USC 1681 c ( 3 ). I was told that some documents needs to be sent over of more ligeable. The documents comes directly from the agencies site. I told them they are violating my rights under 1681e ( b ) & 1681i ( a ) for failure to even conduct an investigation. attached are the court complaints, ftc reports and my personal identifying information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical 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 non-monetary relief
Consumer complaint received 2025-12-02 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: AL

Complaint narrative:
I am writing to dispute inaccurate information on my Equifax credit report. Upon reviewing my credit report, I found discrepancies in the information reported. These inaccuracies may violate the Fair Credit Reporting Act ( FCRA ) and are likely a result of potential data breaches or unauthorized access to my personal information. 
FCRA Violations The following accounts are in dispute : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancy : Incorrect balance of {$860.00}. The account has been inaccurately reported as a collection account and should be reflected as paid. 
2. CREDIT COLL - XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancy : The account is reported as a collection, but the reported status and balance are not accurate. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancy : The account is marked as a collection account, but I dispute the reported status and the outstanding balance. 
4. XXXX - XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancy : This account is reported as delinquent, but I dispute the payment history and balance. 
5. XXXX XXXX - XXXX & XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancy : The account is marked as a collection account, but I dispute the reported balance and the status. 
6. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancy : Incorrect reporting of balance and status as a charged-off account. 
Previous Addresses I also dispute the previous addresses listed on my credit report as they may be incorrectly linked to my accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX These addresses may have been misreported or linked to my credit history incorrectly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
back in XXXX, XXXX credit card was charged off, I thought it was written off. 
it was for a gas credit card, for a XXXX XXXX dollars. 

XX/XX/XXXX Portfolio Recovery filed a writ of garnishment XX/XX/XXXX Received a letter from Judge regarding writ of garnishment XX/XX/XXXX contacted an attorney XX/XX/XXXX called Portfolio Recovery to get information about debt XX/XX/XXXX sent Certified check by certified mail for Payment in full {$1000.00}. 
XX/XX/XXXX called XXXX XXXX to verify payment received by them XX/XX/XXXX contacted XXXX requesting a Stop order XX/XX/XXXX Contacted Portfolio Recovery and provided fax # to send stop order to XXXX XX/XX/XXXX called XXXX, they had not received stop order XX/XX/XXXX Called Portfolio Recovery, asked again to send stop order * for the entire month of XXXX, Portfolio Recovery continued garnishing wages in amount of XXXX 2 letters were sent to Portfolio Recover by my attorney on XX/XX/XXXX and XX/XX/XXXX requesting a refund. No answer from them from either letter. 
XX/XX/XXXX Portfolio Recovery still has not issued my refund and they have sent several notices saying my balance was {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute certain entries on my TransUnion credit report that I believe to be incorrect or incomplete. The information appears to violate the Fair Credit Reporting Act ( FCRA ), and I am also concerned about the possibility of a data breach. 
FCRA Violations The following accounts are disputed : 1. XXXX Account Number : [ XXXX ] Discrepancy : The account is reported as delinquent and transferred, but I have not been notified of any transfer. The status should reflect as current and in good standing. 
2. XXXX Account Number : [ XXXX ] Discrepancy : This account is listed as delinquent with a balance of $ [ X ], but I have made all payments on time, and the account should be listed as paid as agreed. 
3. XXXX Account Number : [ XXXX ] Discrepancy : This account is marked as closed by the credit grantor, but I have not received any notice regarding this. The status should be updated accordingly. 
( Include any additional disputed accounts ) Previous Addresses I also dispute the previous addresses listed on my credit report as they may be incorrectly linked to my accounts : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, Harmony, NC XXXX These addresses may have been misreported or linked to my credit history incorrectly.

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 2025-12-02 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
This is an unauthorized fraudulent account, and I request action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
I was in federal prison from XXXX XXXX and some, and I don't know how got access to my social security and took out student loans and it's messing up my credit.Could you please investigate and help.. I never authorized any of this!

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 2025-12-02 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: Modern Asset Management, Inc.
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation