vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting a formal identity theft blocking request under the Fair Credit Reporting Act ( FCRA ) Section 605B. I reviewed my credit file and discovered several hard inquiries that I did not initiate, authorize, or consent to. These inquiries include : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I never applied for credit with these companies. My personal information was used without my permission. 



These inquiries were made as a result of identity theft, and I am requesting that you immediately block and remove them from my TransUnion credit report as required by FCRA 605B. Must be handled by the XXXX Department. 

I am attaching : A copy of my ID Proof of current address A pending police report confirming the identity theft A copy of my SSN Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 



Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello, on XX/XX/year>, an account with Portfolio Recovery was opened on my credit report. I didnt realize the account was opened until the end of last year. I never received a letter nor did I receive a phone call. I would like to mention my incoming calls filter through my carrier. What I can say is, I havent received any information about the account. The only information available to me is the original creditor. ( XXXX ) and amount ( XXXX ). I decided to dispute it with the credit bureaus. The results were validated, and I was under the impression I was going to receive information regarding the investigation and how they validated. Fast forward to now, this collection is significantly harming my livelihood. Its something I want resolve. I reached out to portfolio recovery, which is reporting my account as passed due. While reaching out to them via email and telephone I explained my situation. I explained I would like validation of the information and also explain that was prepared to pay and settle the account, after receiving validation of course. Both associates whom only spoke and wrote with script informed me a different company had debt and provided a telephone number. I decided to call and was unable to reach them during working hours. Again worth mentioning I did call 30 minutes prior to hours of operation however I found it strange I wasnt able to reach anybody, I do work during the day and not being able to reach them is frustrating to say the least. I researched the company a little bit and found history of predatory behavior which made me uncomfortable. The main reason for my complaint is the lack of information theyre willing to provide. This is disrupting my life, and I want is to make sure that that is my account. I have one other person sharing a name with me whom I might add as an account with the previously mentioned institution so before paying anything I wanted to make sure the information was mine and what Im not understanding is why portfolio recovery is reporting an account past due when they dont even have the account? If they own the debt, why can I not pay them? if they sold it. Why are they reporting it? Why was this account open in XX/XX/year> I havent opened an account in years. This has been a frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
Harris & Harris LTD Failure to Validate Debt / Continued Reporting Harris & Harris is reporting an alleged debt of {$2000.00}. I disputed and requested validation, but they did not provide any documentation proving : That the debt is mine, That the balance is accurate, And that they have legal authorization to collect. 

They continue to update and report the debt after I disputed it, which violates : FDCPA 807 ( false or misleading representations ) FDCPA 809 ( b ) ( collection must stop until validated ) FCRA 611 ( failure to conduct reasonable reinvestigation ) I am requesting the CFPB ensure this company : Provides complete debt validation, OR Removes the collection from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting the same mortgage account multiple times under different names and misrepresenting its status and balance on my credit reports with Equifax, Experian, and TransUnion. 

Their reporting shows both XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts for the same loan, with XXXX marked closed and paid {$0.00} balance in XXXX and another listed as open with a balance of {$240000.00} as of XX/XX/XXXX. 
This constitutes duplicate reporting and false collection activity under the Fair Credit Reporting Act ( FCRA ). 



Detailed Explanation XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion and Equifax ) shows both XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the same FHA mortgage. 
XXXX account reflects a closed, paid, XXXX balance in XXXX. 
Another, under the same lender identity, reflects an open, active balance of {$240000.00} as of XX/XX/XXXX. 
This creates the false appearance that I owe XXXX separate mortgages when I only have XXXX. 
XXXX. No Legal Standing to Report or XXXXXXXX XXXX XXXX XXXXas no recorded assignment of the Security Deed in XXXX XXXX, Georgia, and no valid chain of title from XXXXXXXX XXXX XXXX XXXX XXXX 
The XXXX system shows XXXX XXXX  as inactive at the time of the alleged transfer, meaning XXXX XXXX XXXX XXXX to acquire or service the loan. 
Despite that, XXXX is still reporting the loan as active and collectible, which is false and misleading. 
XXXX. Reporting of False Delinquency and XXXX XXXX is reporting the account as XXXX days late while also showing it as paid in another record. 
These inconsistencies violate XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing information known ( or that should be known ) to be inaccurate. 
XXXX. Failure to Correct After Dispute I have disputed the inaccuracies directly with all three credit bureaus and requested verification. 
XXXX continues to re-report false balances under different names without producing proof of lawful ownership or assignment of the loan. 
This ongoing reporting violates XXXX XXXX. XXXX ( b ) failure of a furnisher to conduct a reasonable investigation and correct or delete inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting the same mortgage account multiple times under different names and misrepresenting its status and balance on my credit reports with Equifax, Experian, and TransUnion. 

Their reporting shows both XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts for the same loan, with XXXX marked closed and paid {$0.00} balance in XXXX and another listed as open with a balance of {$240000.00} as of XX/XX/XXXX. 
This constitutes duplicate reporting and false collection activity under the Fair Credit Reporting Act ( FCRA ). 



Detailed Explanation XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion and Equifax ) shows both XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the same FHA mortgage. 
XXXX account reflects a closed, paid, XXXX balance in XXXX. 
Another, under the same lender identity, reflects an open, active balance of {$240000.00} as of XX/XX/XXXX. 
This creates the false appearance that I owe XXXX separate mortgages when I only have XXXX. 
XXXX. No Legal Standing to Report or XXXXXXXX XXXX XXXX XXXXas no recorded assignment of the Security Deed in XXXX XXXX, Georgia, and no valid chain of title from XXXXXXXX XXXX XXXX XXXX XXXX 
The XXXX system shows XXXX XXXX  as inactive at the time of the alleged transfer, meaning XXXX XXXX XXXX XXXX to acquire or service the loan. 
Despite that, XXXX is still reporting the loan as active and collectible, which is false and misleading. 
XXXX. Reporting of False Delinquency and XXXX XXXX is reporting the account as XXXX days late while also showing it as paid in another record. 
These inconsistencies violate XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing information known ( or that should be known ) to be inaccurate. 
XXXX. Failure to Correct After Dispute I have disputed the inaccuracies directly with all three credit bureaus and requested verification. 
XXXX continues to re-report false balances under different names without producing proof of lawful ownership or assignment of the loan. 
This ongoing reporting violates XXXX XXXX. XXXX ( b ) failure of a furnisher to conduct a reasonable investigation and correct or delete inaccurate 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 2025-11-05 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: SC

Complaint narrative:
TransUnion refuses to correct inaccurate reporting by XXXX XXXX XXXX  despite written proof of Paid in Full provided multiple times since XX/XX/year>. This violates FCRA 611 and 623. Ive attached the XXXX XXXX proof letter.

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 2025-11-05 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 letter serves as formal notice that you are currently reporting inaccurate or unverifiable information on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you cease reporting and remove any information that can not be fully verified as accurate and complete. 
Specifically, I dispute the following item ( s ) : 1. ) XXXX XXXX Acct # XXXX * not my account 2. ) XXXX XXXX XXXX Acct # XXXX XXXX  not my account 3. ) XXXX - Acct # * XXXX not my account 4. ) XXXX - Acct # XXXXXXXX XXXX  not my account XXXX. ) XXXX XXXX XXXX - Acct # XXXX not my account 6. ) TXXXX XXXX XXXX - Acct # XXXX XXXX not my account 7. ) XXXX XXXX - Acct # XXXX XXXX  not my account 8. ) XXXX XXXX XXXX - Acct # XXXXXXXX XXXX not my account 9. ) XXXX XXXX XXXX XXXX Acct # XXXX XXXX  not my account Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of each disputed item and delete or correct any information found to be inaccurate or unverifiable within 30 days of receiving this letter.

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 2025-11-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The reporting agency verified the disputed tradelines without producing documentation or identifying the furnisher representative who allegedly verified the data. This constitutes a failure to perform a reasonable reinvestigation as required by law.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
Account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information 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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called the number on the back of the credit card. The system told me how much I owed. I paid that owed amount. Within 1 year, I paid over {$4000.00}. Citi Bank did not give me credit for my payments. Their website made it very hard to look at credit card statements. I called again but could not reach a live representative. 

This credit card company forced me to have a card with them if I am a XXXX member. My XXXX member picture is printed on the back of this credit card. Thus, XXXX members must have credit cards with Citi Bank in order to enter XXXX to buy. Citi Bank gives me about {$300.00} cash back per year, but took over {$4000.00} of my payment without giving me credit. 3 more of my friends at my church have this same problem. 

Please investigate to see if this was an innocent mistake or a planned big-scale fraud scheme involving billions of dollars.

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 2025-11-05 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: MI

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

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 2025-11-05 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:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

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 2025-11-05 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: Nelnet, Inc.
State: IN

Complaint narrative:
my personal and financial information was compromised violating FERPA i request full cancellation of my student loan debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am submitting a formal identity theft blocking request under the Fair Credit Reporting Act ( FCRA ) Section 605B. I reviewed my credit file and discovered several hard inquiries that I did not initiate, authorize, or consent to. These inquiries include : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I never applied for credit with these companies. My personal information was used without my permission. 



These inquiries were made as a result of identity theft, and I am requesting that you immediately block and remove them from my TransUnion credit report as required by FCRA 605B. Must be handled by the XXXX Department. 

I am attaching : A copy of my ID Proof of current address A pending police report confirming the identity theft A copy of my SSN Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 



Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

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 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: WV

Complaint narrative:
this company will not allow payments of any sort, unless it is the full amount. ive asked them to stop calling me ; they call me every day.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
Dear Santander Bank Credit Card : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) for an identity theft-related collection that was improperly reported to Experian RentBureau. 

A collection from XXXX XXXX / XXXX XXXX XXXX XXXXXXXX in the amount of {$5500.00}, dated XX/XX/year>, appears on my rental history file. I did not authorize or open this account. It is the result of identity theft. 

I have already provided Experian RentBureau and XXXX with : - Proof of my identity - Proof of address - A copy of the page showing the fraudulent account Under FCRA 605B, Experian is required to block and remove all identity theft-related information within four business days.

Under FCRA 623 ( a ) ( 6 ), XXXX XXXXXXXX XXXX XXXX must cease reporting and verifying fraudulent data once notified.

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