vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
The 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion for reporting an excessive number of hard inquiries on my credit file without my full knowledge or direct authorization. These inquiries span from late XXXX through XX/XX/XXXX and include entries by entities such as XXXX XXXX XXXX XXXX XXXX XXXX ( on multiple separate dates ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and many others. The sheer volume, frequency, and repeat entriesespecially from XXXX XXXX XXXX aloneare highly concerning, and I have serious doubts about the validity of many of them.

To be very clear, I did not initiate this many applications for credit, and I never consented to several of the entities listed to access my TransUnion report. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681b ( c ), consumer reporting agencies are only permitted to furnish a credit report to those with a permissible purpose, such as with my explicit authorization in connection with a credit application or similar transaction. A hard inquiry is not something that should occur simply because my information is in someone's database or a third party decided to run my credit without a clear, traceable request from me.

It is also my understanding from FCRA 604 ( a ) ( 3 ) that a consumers written instruction or an actual credit transaction must exist for such an inquiry to be permissible. These repeated, unexplained inquiriesespecially multiple from the same company in a short periodcreate a strong appearance of either systemic negligence or a failure to safeguard consumer information, which is especially alarming given the modern risks of data breaches and improper access.

Beyond the legal issues, the presence of so many inquiries has severely damaged my credit score, which has in turn caused me to be denied financing opportunities I legitimately pursued. The psychological burden of watching my credit profile be degraded by actions I didnt even authorize is exhausting. It has created a deep sense of helplessness, especially when those same inquiries are often impossible to trace back to an actual account or outcome.

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 2025-07-15 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, 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 2025-07-15 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 am disputing a collection account that is being inaccurately reported on my credit file. I did not authorize or initiate this account, and I am not legally responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: UT

Complaint narrative:
3 rd attempt to obtain proof of purchase agreement between XXXX XXXX and anytime fitness, insurance claim against the debt proof, and chain of assignment. 

XXXX is violating FCRA and fdcpa law by failing to remove negative data from my report. 

3rd time asking for explanation and information for method of verification. 

If this continues I will be forced to sue XXXX in small claims court. 

CFPB do your job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
Immediately and permanently delete the following fraudulent accounts from my credit report : XXXX  XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX XXXX XXXX Account Number : XXXX Block all identity theftrelated information in compliance with FCRA 1681c2, as I have already submitted my FTC Identity Theft Report, valid photo ID, Social Security card, and proof of current address. 

Provide a corrected and updated credit report showing these accounts and any related inquiries have been removed. 

Send written confirmation that the deletions and blocks were completed within the required legal timeframe. 

If these actions are not taken, I will pursue complaints with the CFPB, FTC, BBB, and Attorney General, as well as legal action under FCRA 616 for damages and legal costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : 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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I accidentally sent {$1500.00} via XXXX to the wrong phone number due to a single-digit typo. The money was intended for someone else but was instead sent to a person later identified as XXXX XXXX ( phone number ending in XXXX ). 

I contacted the recipient immediately after realizing the error. She acknowledged receiving the funds and confirmed via text message that it was sent in error. She stated her intent to return the money and even attempted to respond to my XXXX request. Over the course of several days, I followed up with her, and she repeatedly confirmed her willingness to resolve the issue. I have detailed screenshots of all communications. 

Despite her stated intention to return the funds, the money was never sent back. She eventually stopped responding altogether. I submitted a claim to Chase, who initially denied it, stating the XXXX payment was authorized. I followed up with additional evidence ( including the recipients written acknowledgment and promises to return the money ), and the claim was reinitiatedbut was denied again, with XXXX stating the payment was valid and refusing to investigate further. 

This is no longer just an accidental transfer. The recipient knowingly retained funds that do not belong to her after agreeing to return them. I have now filed a police report and am preparing to pursue legal action for theft by conversion and unjust enrichment. 

I am requesting that Chase and XXXX take this seriously and either issue a refund or take appropriate steps to recover the funds through their good faith recovery process with the recipients bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
contacted about debt owed asked for deb validation collection agency failed to provide debt validation

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 2025-07-15 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: TX

Complaint narrative:
Given my consistent record of on-time payments, this late payment listing is incorrect. I respectfully request its prompt removal from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was unaware that my information was getting furnished. I did not give consent or authorization to anyone to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC is reporting a debt on my credit report as consumer disputes after resolution while the matter is currently in active litigation and has not been resolved. 

I filed a formal dispute and also submitted an answer in small claims court ( XXXX XXXX. XXXX, XXXX XXXX XXXX Florida XXXX. Mediation is scheduled for XX/XX/year>. Despite the unresolved status, XXXX recently updated the tradeline with this inaccurate descriptor. 

Additionally, they are still reporting the debt as a collection account without proving ownership or validation of the alleged debt. 

This update is false, misleading, and damaging, as it misrepresents the status of the account to current and future creditors. XXXX has not provided proof of ownership, a valid contract, or a chain of title, yet continues reporting as though the matter is closed. 

This may violate provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & ( b ) ) and may also constitute deceptive collection under the FDCPA.

I request that the tradeline be corrected or removed, and that this matter be investigated. The case is ongoing and unresolved.

Why this is a problem : Violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ) PRA is furnishing inaccurate and misleading information to the credit bureaus. Reporting the debt as resolved when it is in active dispute and litigation is deceptive and damaging.

Violation of FDCPA ( 15 U.S.C. 1692e ( 8 ) ) Debt collectors are legally required to mark accounts as disputed without falsely implying the matter has been resolved. PRAs language misrepresents the status of the debt and minimizes my ongoing legal challenge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-15 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: TN

Complaint narrative:
On XXXX XXXX, I received a dismissal to appear in court without prejudice. The case has been thrown out. So it wouldn't return on my credit with another creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
A collection account has been reported on my credit file in error. I did not authorize or create this account and am not responsible for any associated debt.

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX weeks ago, Truist Bank deposited somebody else 's money into my account that did not belong to me. The amount was over {$7100.00}. After notifying the bank of their error they withdrew the money and then withdrew it again, leaving me with a balance of negative {$6500.00}. It has been XXXX weeks since I've notified the fraud department and spoke with upper management and nothing has been done. I have submitted an affidavit, along with all necessary documentation of check fraud and still nothing has been done.

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 monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
These accounts are being reported under my name without my knowledge or authorization. I have never opened, used, or managed these accounts. Their presence on my credit report is entirely unacceptable, as they reflect false and misleading information about my financial history. I take the integrity of my credit profile very seriously. These unauthorized accounts are causing undue harm and must be addressed immediately.

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 2025-07-15 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: GA

Complaint narrative:
I have received nothing but the run around and stall letters from the companies they are all inaccurately reporting things that should have never been placed on my report as they are fraud and ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CL Holdings LLC
State: GA

Complaint narrative:
I have received nothing but the run around and stall letters from the companies they are all inaccurately reporting things that should have never been placed on my report as they are fraud and ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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