vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 2025-09-03 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
I am disputing this collection account as incomplete and unverifiable. Under the FDCPA 15 USC 1692b and 1692g, the collector must provide validation, including proof of ownership, original creditor information, and supporting documents. To date, none of this has been produced. According to FCRA 1681i, unverifiable information must be removed from my credit file. If Portfolio RC can not validate, this account must be permanently deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

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

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 2025-09-03 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I never made a purchase with a company back in XXXX of this year. I receive a letter today that the investigation was complete and I am gon na have to pay it. This sounds like fraud to me. I am not gon na pay for something I never asked for nor received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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

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 2025-09-03 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Draft Letter to Request 1099-C Documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX XXXX ) XXXX XXXX United Auto Credit Corporation Re : Request for Documentation Form 1099-C ( Cancellation of Debt ) Account Number : XXXX To Whom It May Concern : I am writing regarding the above-referenced auto loan account. I understand that this account was charged off and/or settled. Under IRS regulations, if {$600.00} or more of debt has been canceled, the lender is generally required to file Form 1099-C ( Cancellation of Debt ) with the Internal Revenue Service and provide a copy to the borrower. 

At this time, I respectfully request written confirmation of the following : Whether a Form 1099-C has been or will be issued in relation to my account. 

The exact amount of debt canceled or forgiven, if applicable. 

The date of cancellation of debt, if applicable. 

Please provide any supporting documentation or written statement regarding the status of the account and any related IRS reporting. 

This request is being made so that I may accurately prepare my tax filings and ensure compliance with IRS requirements. 

Thank you for your prompt attention to this matter. Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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 writing to dispute multiple accounts appearing on my credit report that I did not authorize, open, or manage. These accounts are inaccurate, misleading, and are harming my credit profile and financial reputation.

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 2025-09-03 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: CA

Complaint narrative:
I am writing to dispute certain fraudulent information that appears on my credit file. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I am requesting that you immediately block the reporting of all information resulting from identity theft. 
I have been a victim of identity theft, as documented in the attached FTC Identity Theft Report ( Report # XXXX ). Under federal law, you are required to block and remove all fraudulent information from my credit file once you receive this request, my identity theft report, and proof of my identity. 
Fraudulent Accounts to Be Blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent balance : {$350.00} ( Opened XX/XX/XXXX ) These accounts were not opened by me, nor did I authorize them. They are the direct result of identity theft.

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 2025-09-03 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 need all accounts removed because I did not approve or authorize any of these. I need them removed immediately. 
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681i C-2 ), ( 15 U.S.C.

1692 ), ( ( 15 U.S.C. 1681 EB ), it's a must these accounts and incorrect information be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX LL Account Name XXXX : Account number Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX, XXXX, resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX LL Account Name XXXX : Account number Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX, XXXX, resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX ( approximately ) I received an alert from my credit monitoring program that my Heloc balance spiked. Logged into my TD account to see my Heloc balance at XXXX or so XXXX called TD banks fraud line and went through the process to get it resolved. Being so close to the XXXXXXXX XXXX XXXX I was nervous that the bank wouldnt do anything about it until after the holiday but was assured it was being taken care of. I spent hours of time going to branches signing affidavits and hours on the phone through the fraud process and thought it was over. I received letters ASSURING me that it was taken care of. In the past 2 months my credit has been destroyed by this process and I found out today that the ACTUAL problem was that TD bank screwed up. They mistook a 1 for a 7 or something and took the money from MY account instead of the correct account. During the fraud process TD closed my Heloc and reopened it under a different account number in case it was fraud. In the process they must have deposited the money that was taken from my account to the old account, not the new one so in the end I mistakenly had a balance of XXXX or so and it looked like I was negligent because I wasnt paying it off. NONE OF WHAT HAPPENED HERE WAS ANY OF MY DOING somehow Im the ONLY one suffering from all the BS that TD created I think Im owed more than an apology. But, AT THE VERY LEAST AN APOLOGY. I was told Id probably have to wait 30-60 days to see results on this. Ive since spent hours on the phone with both TD bank and XXXX to try to salvage my credit score. Make this right please. Should have never happened..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
I recently obtained a copy of my consumer credit report and noticed inaccurate at unverified information involving late payments in regards to : Mortgage account XXXX Acct LOAN # : XXXX The Gramm-Leach-Bliley Act protects the reporting of non public personal information from being disclosed on public platforms. 

In accordance with the FCRA, I XXXX XXXX am granted a right to privacy under 15 U.S.C. 1681 section 602. 15 U.S.C 1681 section 604a-2 states that a consumer reporting agency can not furnish an account without my written instructions. Exclusions Under 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. Under 15 U.S.C. 1681a ( 2 ) ( I ), consumer credit reporting agencies can not report transactions or experiences in which late payments are considered. Under 15 U.S.C. 6802, the consumer credit reporting agencies did not disclose to me the reporting of any negative or adverse information nor was I provided with the option to opt out. Under 15 U.S.C. 1681 section 611, all consumer credit reporting agencies must state their method of verification of : How it was verified What documents were used to verify Who verified these late payments Reporting unverifiable information is a violation of 15 U.S.C 1681 section 611a-7 I XXXX XXXX XXXX not authorize the reporting of any late payments on any account through any written instructions nor have I been made aware through proper documentation that any of the information was properly verified. 

Please remove all late payments from the account in question immediately and update the status of on time positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Payment website was down from XXXX XXXX XXXX autopsy and regular payments were not able to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-09-03 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-09-03 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:
Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For XXXX XXXX XXXX XXXX, please call XXXX  at XXXX and provide engagement number XXXX Fraudulent Charges to My name under Credit Card XXXX or Organization : XXXX Card Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$10000.00} Fraudulent Charges to My name under Credit Card XXXX or Organization : XXXX  Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1900.00} Fraudulent Charges to My Name under Credit Card XXXX or Organization : XXXX XXXX  Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$9100.00} Fraudulent Charges to My name under Credit Card XXXX or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent Amount : {$2200.00}

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 non-monetary relief