vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
There are now XXXX hard inquiries from XXXX within XXXX hours on my XXXX  There are now XXXX hard inquiries from XXXX within XXXX hours on my Equifax There are now XXXX hard inquiries from XXXX within XXXX hours on my XXXX  Remove the duplicates. I contacted XXXX XXXX XXXX by phone who transferred me to XXXX Consumer Affairs who transferred me back to XXXX and they claim they don't know who to contact to get the duplicate inquiries removed. Dealership says its in XXXX 's hands. 

Yes, we wanted to lease a car and we are trying to so running credit is normal. But not this many times. 

Again - Remove the duplicate inquiries. XXXX hard inquiries for the purpose of leasing a car is unnecessary and harmful to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

On XX/XX/year>, I initiated disputes regarding multiple inaccurate tradelines in my TransUnion file. The TransUnion portal showed these items as under investigation results by XX/XX/year>. 
Today, when I logged in, the portal displayed no active disputes and no recently completed disputes ( screenshots attached ). The system erased my dispute record entirely, even though the disputes were pending and no written results were ever provided. 
This conduct violates FCRA in multiple ways : XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) : Requires the CRA to provide written reinvestigation results and a description of the procedure used. No results were provided, and the record of my dispute was erased. 
XXXX ( a ) ( XXXX ) : Requires deletion or modification if information can not be verified. If the bureau erased the dispute record without producing results, the disputed accounts must be deleted. 
This is not an isolated issue. A nearly identical violation occurred in my household previously with a XXXX Bank tradeline on my wifes TransUnion report, where her active dispute also vanished without resolution. That matter only resolved after escalation. This shows a pattern of systemic misconduct by TransUnion in handling consumer disputes. 

Impact- These erased disputes deprived me of my statutory right to an investigation record and left derogatory tradelines ( charge-offs ) reporting against me with no documented verification. This harms my credit standing and my ability to access credit and fair lending opportunities.

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 2025-09-23 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: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
I have requested for XXXX XXXX, my Iowa United States XXXX from the XXXX XXXX to investigate my complaint against Chex Systems , Inc . The following inquiries viewed by others and inquiries only viewed by me currently listed and showing on Chex Systems XXXX Report ID : XXXX is unauthorized and not my inquiries : XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX A Part XXXX XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX A Part of XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX A Part of XXXX, XXXX XXXX Loans, XX/XX/XXXX XXXX XXXX XXXX A Part of XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2025-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
* * * * Received XXXX letters from CHASE BANK, XXXX dated XX/XX/year> stating that under the FCRA they are unable to approve the request to open an account with them. The last letter received was dated XX/XX/year> stating " We locked your online account to protect you. You won't be able to see your statements and notices at this time. Please contact us at XXXX or contact your system XXXX. '' -- XXXX I NEVER TRIED TO OPEN THESE ACCOUNTS ; THIS WAS DONE WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CT

Complaint narrative:
I am writing to formally dispute the unauthorized accounts on my credit report. These accounts were opened without my knowledge, authorization, or consent, and their presence violates the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
To the Consumer Financial Protection Bureau : I am submitting this complaint regarding a XXXX transaction in which I was the victim of a sophisticated impersonation scam, and my bank has refused reimbursement. This case falls under protections outlined in the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E, which governs unauthorized electronic fund transfers. 

Facts of the Case On XX/XX/year>, I engaged in messaging with what I reasonably believed to be my friend, XXXX, through her social media account. 

This account was later discovered to have been hacked. At the time, however, all communications, personal details, and confirmation of known addresses matched Gingers actual identity. 

The impersonatorlater identified as an individual named XXXX XXXXrequested {$2000.00} for her sick uncle as part of a purported sale of personal possessions. 

Before initiating the transfer, I verified the legitimacy of the request by texting mutual friends, who also believed it was XXXX and confirmed the story. 

On that basis, I sent {$2000.00} via XXXX to the scammer. 

Approximately XXXX week later, I discovered XXXX account had been compromised and that XXXX XXXX had impersonated her, stealing thousands from multiple people in the same manner. 

Legal Argument Under EFTA/Regulation E, an unauthorized electronic fund transfer includes any transfer initiated by a person who obtained access to a consumers account through fraud or without authority. Courts and regulators increasingly recognize that fraudulently induced XXXX transactionsparticularly those caused by impersonationqualify as unauthorized because the consumer did not intend to authorize payment to the actual recipient. 

The XXXX XXXX XXXX XXXX ( FDIC ), the Office of the Comptroller of the Currency ( XXXX ), and the CFPB have emphasized that banks must reimburse consumers for fraudulently induced payments where authorization was obtained through deception and impersonation. 

The scammer in this case did not merely misrepresent a product or service ; they fraudulently impersonated a known personal contact, confirmed personal details, and exploited hacked accounts to induce the transfer. I did not authorize payment to XXXX XXXX. My intent was to send funds to my friend XXXX for her familys needs. 

Thus, this transaction squarely fits the definition of an unauthorized electronic fund transfer under XXXX C.F.R. XXXX ( m ). 

Relief Requested I request that the CFPB investigate my banks refusal to reimburse the {$2000.00} stolen in this XXXX impersonation scam and require compliance with XXXX XXXX The bank has failed in its duty to protect consumers from unauthorized transfers obtained through fraud and impersonation.

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 2025-09-23 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is continuing its illegal debt collection practices and consumer reporting violations exactly as detailed in their 2015 CFPB lawsuit, at my expense. In collusion with XXXX  PRA is still accessing my credit report via soft pulls on a near daily basis with no permissible purpose, authorization, valid contractual interest or my permission ( 15 U.S. Code 1681b ( f ) ). Additionally, they are using my personal information to execute collections activities on an old account that was previously disputed and lawfully deleted with Consumer Financial Protection Bureau ( CFPB ) complaints. In addition to multiple cease and desist notices over the course of a year, I have consistently and repeatedly requested ANY form of legal validation from PRA through certified mail under 15 U.S. Code 1692g. I also sent PRA proof of successful CFPB deletion and reported their fraudulent activities to Credit Reporting Agencies, who have requested an identity theft report. To date, PRA has not provided any valid proof of legal contractual agreements or legal interest to support their activity, but continues circumventing the CFPB portal by responding to CFPB complaints via direct mail with nothing more than billing statements to avoid alerting the CFPB of their ongoing fraudulent activity, post Paz v. PRA, 2019. This legal precedent confirms that copies of billing statements DO NOT CONSTITUTE VALIDATION. Despite this, PRA continues to knowingly send fraudulently obtained information and illegally collected documentation to my home in an attempt to receive money for an account I do now owe. Their persistent actions violate FCRA laws and constitute identity theft. Additionally, XXXX XXXX has stated in response to a CFPB complaint that they do not recognize me as a customer. PRAs actions are deceptive, unlawful, abusive, and continue to cause material harm. I have reported PRA 's fraudulent activity to XXXX  on multiple occasions, with both complaints and disputes through various methods and XXXX  has consistently failed to conduct a proper and thorough investigation as outlined by 15 U.S.C. 1681i ( FCRA 611 ). Courts have long held CRAs must go beyond mere parroting of a furnishers response ; see Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
Im disputing inaccurate late-payment reporting on my Experian file for XXXX ( joint with XXXX XXXX XXXX, acct XXXX XXXX ). Experians own reinvestigation results contain internal inconsistencies : XX/XX/XXXX : Balance Histories shows Scheduled {$0.00} and Paid {$170.00} on XX/XX/XXXX, yet the Payment History still marks 60 days past due as of XX/XX/XXXX. This is contradictory. 
XX/XX/XXXX : Balance Histories shows Scheduled {$170.00} and Paid {$170.00} on XX/XX/XXXX, yet Payment History marks 60 days past due as of XX/XX/XXXX. If the scheduled amount was paid, the delinquency notation requires verification. 
XXXX XXXX XXXX  : The Paid field shows {$0.00} on XX/XX/XXXX for multiple later months, which appears to be a single stale date propagated across cycles ( not a real payment posting for those months ), undermining data reliability. Payment History also marks XXXX lates for this period. 
Account status now shows Closed at credit grantors request ; status updated XX/XX/XXXX. 

Because Experians report shows conflicting and unreliable entries, the late-payment notations are inaccurate/unverifiable under the FCRA. I request deletion of the late marks unless XXXX provides original monthly statements and payment records proving the specific delinquencies.

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 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX place XXXX XXXX CA XXXX XXXX - XX/XX/year> Request for Method of Verification Pursuant to 15 U.S.C. 1681s-2 ( e ) Dear [ TransUnion ], I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ). 
Disputed Information : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Description of Inaccuracy : [ failed to provide original contract agreement purchase signed by all parties involved, also failed to provide itemized breakdown of the debt including principal, interest, fees, payment history, date account out and account, the last day account reported, is all inaccurate and I also send them a copy of the police report of identity theft and I sent them a copy of the FTC identity The report I was victim of identity, theft ] I appreciate the effort you have undertaken in investigating my dispute. However, I am now seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the Fair Credit Reporting Act. 
Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

I expect your response to this request within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2 ( e ) ( 8 ). Your timely and detailed response will help me better understand the steps taken to verify the disputed information. No digital signatures is allowed. For all party 's involved. I am no longer playing with you Credit Bureaus I am also sending you a copy Equifax data breach I was a victim and you still failing to protect my information and your violating my consumer rights I am willing to take your company to court I provided you all the information you needed to block and remove or delete this account-EXETER- reports this account each month different and Equifax you are aware of that that the furniture is doing fraud violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
i have mailed letters to barclays and all credit bureaus requesting methodof verfication and signed applications and it has never been provided,. the account they say is mine was never opened by me nor autorized by me.

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 2025-09-23 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: CA

Complaint narrative:
Dear CFPB, I am submitting a complaint regarding false late payment reporting on my credit file. 
Creditor : XXXX  Account XXXX XXXX XXXXXXXX Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have never been late on this account. XXXX confirmed to me that they did not report these late payments and advised me to dispute directly with the credit bureaus. Despite this, the incorrect entries remain and are harming my credit. 
I request CFPBs assistance in having these inaccurate late payments removed from my credit reports. Supporting documents and payment records are attached. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 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:
Between XX/XX/XXXX and XX/XX/year>, I filed XXXX CFPB complaints against Experian for FCRA violations. Weeks later, Experian reclassified every single one as potential fraud in a tight window ( Aug 8Sept 22, 2025 ). This demonstrates a systemic suppression tactic, not legitimate reinvestigations. 

I submitted disputes with proof ( billing statements, certified mail, call logs, denial letters ). Experian first gave generic working on it responses, then weeks later stamped all complaints as fraud, regardless of facts. This avoided addressing the errors, blocked reinvestigation results, and created a misleading record. 

This pattern violates : XXXX ( a ) : Failure to conduct a reasonable reinvestigation XXXX ( a ) ( XXXX ) - ( XXXX ) : Failure to provide reinvestigation results & method of verification XXXX ( b ) : Failure to ensure maximum possible accuracy XXXX ( i ) : Unauthorized fraud alert ( XX/XX/year> ) XXXX : Willful and negligent noncompliance These violations caused multiple denials, lost opportunities, and reputational harm. Attached Exhibit A ( timeline + table ) shows all XXXX complaints with filing dates vs. the later fraud reclassifications. 

This is no longer an isolated dispute ; it is a documented pattern of systemic misconduct that warrants CFPB enforcement action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation