vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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 did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX  ( XXXX ), TransUnion, and XXXX for violating the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX  has placed a Credit Line Suspended ( CLS ) remark on my credit file in retaliation for disputing inaccurate information. This notation is derogatory, punitive, and misleading. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ), consumers have the right to dispute account information, and furnishers must conduct proper investigations. Instead, XXXX XXXX imposed a suspension notation not for any legitimate account issue but solely because I exercised my right to dispute, harming my creditworthiness. 

This action violates FCRA 607 ( b ) ( reasonable procedures to ensure accuracy ) and constitutes an unlawful response to a consumer dispute. It misrepresents my accounts status, which was in good standing during the relevant period.

TransUnion and XXXX have further violated FCRA 611 ( a ) ( 1 ) ( A ) by failing to reasonably investigate my disputes and correct the inaccurate derogatory remarks. They continue to report this unlawful notation despite evidence I provided, including a statement from XXXX XXXX admitting to this practice.

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 2025-05-16 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX  ( XXXX ), XXXX, and Experian for violating the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX has placed a Credit Line Suspended ( CLS ) remark on my credit file in retaliation for disputing inaccurate information. This notation is derogatory, punitive, and misleading. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ), consumers have the right to dispute account information, and furnishers must conduct proper investigations. Instead, XXXXXXXX XXXX imposed a suspension notation not for any legitimate account issue but solely because I exercised my right to dispute, harming my creditworthiness. 

This action violates FCRA 607 ( b ) ( reasonable procedures to ensure accuracy ) and constitutes an unlawful response to a consumer dispute. It misrepresents my accounts status, which was in good standing during the relevant period. XXXX and Experian have further violated FCRA 611 ( a ) ( 1 ) ( A ) by failing to reasonably investigate my disputes and correct the inaccurate derogatory remarks. They continue to report this unlawful notation despite evidence I provided, including a statement from XXXXXXXX XXXX admitting to this practice.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX {$860.00}. Debt is illegally showing a past due balance as of XX/XX/XXXX. This is illegal and I have never been contacted by this creditor. 

Portfolio Recovery Association Creditor XXXX XXXX XXXX {$540.00} Debt is illegally showing a past due balance as of XX/XX/XXXX. This is illegal and I have never been contacted by this creditor.

1681e. Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
After receiving calls from a debt collector about a debt I had no clue about I was urged to check my credit report. Upon checking my credit report I found several fraudulent accounts being reported that I did not open.

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 2025-05-16 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: TN

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to request a review of the personal information listed in my credit file to ensure it reflects only accurate, complete, and up-to-date data in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format developed by the Consumer Data Industry Association ( CDIA ) . 

Specifically, I request that my credit profile only reflect the following verified and accurate personal information : Verified Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : Date of Birth : XXXX  SS # : XXXX Per Metro 2 and FCRA standards, all outdated, duplicate, or unverifiable personal identifiers including former addresses, name variations, and obsolete employer data should be removed if they do not meet current reporting accuracy and relevancy requirements. 

Documentation Included : To assist with your update, Ive enclosed : A copy of my government-issued ID A recent utility bill or official document showing my current address Please investigate and update my file accordingly. I request written confirmation once my report has been updated to reflect only the verified information listed above. 

Thank you for your attention and prompt handling of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I discovered a XXXX XXXX XXXX XXXX account on my credit report that I do not recognize or recall opening. The account reflects a significant balance, multiple missed payments, and is over 120 days delinquent. However, I have never received a card, login access, billing statements, or communications from XXXX XXXX regarding this account. 
I submitted a formal FTC Identity Theft Report and reviewed all three credit reports. Multiple accounts and inquiries appear to have been added to my credit file without my knowledge or authorization, possibly due to an error or misuse of my personal information. 

I filed disputes with XXXX XXXX, and XXXX under the Fair Credit Reporting Act ( FCRA ), Section 605B, and requested that XXXX XXXX provide documentation verifying that I opened or authorized this account. I have not received any such documentation to date. 

I am requesting the removal of this account from my credit reports. I should not be held responsible for a credit card I did not authorize. I have attached my FTC Identity Theft Report and supporting ID documents for reference.

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 2025-05-16 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: M&T BANK CORPORATION
State: WI

Complaint narrative:
I discovered a XXXX XXXX XXXX XXXX account on my credit report that I do not recognize or recall opening. The account reflects a significant balance, multiple missed payments, and is over 120 days delinquent. However, I have never received a card, login access, billing statements, or communications from XXXX XXXX regarding this account. 
I submitted a formal FTC Identity Theft Report and reviewed all three credit reports. Multiple accounts and inquiries appear to have been added to my credit file without my knowledge or authorization, possibly due to an error or misuse of my personal information. 

I filed disputes with XXXX XXXX and XXXX under the Fair Credit Reporting Act ( FCRA ), Section 605B, and requested that XXXX XXXX provide documentation verifying that I opened or authorized this account. I have not received any such documentation to date. 

I am requesting the removal of this account from my credit reports. I should not be held responsible for a credit card I did not authorize. I have attached my FTC Identity Theft Report and supporting ID documents for reference.

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 2025-05-16 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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  ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$1100.00} XXXX XXXX XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-16 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: MA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, made a payment of {$280.00} to my Capital One credit card ( Confirmation Number : XXXX ). I received a confirmation email indicating that the payment had been successfully processed. However, the same day, at XXXX XXXX, I was flagged with a fraud alert, and my credit card account was restricted. 

When I contacted Capital One customer service, I was informed that the fraud alert was triggered and that the only way to resolve the issue was for me to participate in a three-way call with Capital One and my banks, Ally Bank and XXXXXXXX XXXX  , to verify my account ownership. Both of these banks have been used consistently for payments to Capital One since XX/XX/XXXX without issue. 

I was advised against allowing Capital One to go through my banks customer service lines, as this would expose sensitive security information, such as personal security questions, to a third party. Instead, I requested that Capital One use secure backend channels to verify my account information. However, the Capital One supervisor insisted that the three-way call is their standard procedure, regardless of the consistent payment history from my banks. 

Despite the fraud hold being placed on my account, Capital One processed the payment and removed the funds from my bank account on XX/XX/XXXX. The payment was applied to my credit card, but the restriction on my account remained in place, preventing me from using my card. 

Repetition of the Issue : This same issue occurred in XX/XX/XXXX, when my sons checking account was flagged for fraud after he deposited three checks that were successfully cashed. Despite the checks being verified as legitimate and sitting in the account for a month without issue, when my son attempted to withdraw funds, Capital One placed a fraud hold on his account. They informed us that in order to release the funds, the check issuers would need to join a three-way call with us. We ultimately had to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) to have the funds released.

My concerns are : Unjustified Account Restriction : Capital One processed and applied the payment to my credit card but failed to lift the fraud hold on my account, even though the funds were successfully withdrawn from my bank.

Privacy Violation : Requiring a three-way call with my bank and Capital One places my private account information at risk, which is an unnecessary and overly invasive practice.

Failure to Resolve the Issue : Capital Ones system allowed the payment to be processed but did not release the restriction on my card, leading to further inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Received my credit report and saw incorrect information reporting to my credit report. These remarks were detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On or about XX/XX/XXXX I disputed US Bankruptcy information in my credit report with TransUnion LLC theyre also telling me they have no documents on file which is false. Per the website their data furnisher is XXXX and XXXX. XXXX has took the liberty to delete this information from their records XXXX has never responded to my dispute letter that was sent multiple times. TransUnion has requested i provide letter of expungement from court which is impossible public records are no criminal offenses meaning that doesnt exist. Furthermore TransUnion has also once again failed to supply documentation supporting their investigation in accordance with FCRA. This US Bankruptcy account has been discharged and statistically closed XX/XX/XXXX ordered sign off by a judge. Please see the below attachments.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management refuses to give me proof of debt. I've reached out to them several times and disputed this with all XXXX  credit bureaus explaining that this is not my account.

Company response to consumer: Closed with explanation