vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX XXXX Balance : {$370.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6800.00} XXXX  XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6800.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate personal information appearing on my consumer credit report. I believe this incorrect data may be the result of a reporting error or potential identity theft, and I request immediate investigation and correction. 

Description of the Problem : My credit report contains the following inaccurate or unfamiliar personal information : My real name : XXXX XXXX XXXX Names I do not recognize : 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 have never used or been associated with the names listed above, and they do not reflect my identity or credit history. 

I request that the Consumer Financial Protection Bureau ( CFPB ) take the following steps : Contact the all credit reporting agencies ( Trans Union, Equifax, Experian ) to investigate and correct these inaccuracies ; Ensure that any unverifiable or incorrect information is removed from my credit report ; Provide me with written confirmation of all corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding multiple FCRA violations committed by TransUnion through the continued reporting of inaccurate, unverifiable, and unauthorized information on my credit report.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ) and Section 609 ( 15 U.S.C. 1681g ), I have the legal right to request full documentation, investigation procedures, and original sources of the information reported about me. 

To date, TransUnion has failed to meet this legal standard in the following ways : Continuing to report inaccurate charge-offs and derogatory items after disputes Failing to provide proof of a proper investigation or reinvestigation Refusing or neglecting to disclose the method of verification or furnish written evidence Reporting information without written consent or a documented permissible purpose CHARGE-OFF ACCOUNTS TO BE INVESTIGATED OR REMOVED : I am demanding a full and documented reinvestigation into the following charge-offs. If TransUnion can not provide the original contract, chain of custody, proof of debt, or written consent to furnish this information, I demand these entries be permanently deleted : XXXX XXXX Reported as Paid in Full was a Charge-off. 

XXXX XXXX XXXX XXXX auto loan, balance {$28000.00} XXXX XXXXXXXX XXXX Prolonged charge-off history ( XXXX ), closed XXXX XXXX XXXX  XXXX Auto repossession , closed in XXXX Where is the proof that these creditors were contacted? 
Where is the written consent authorizing TransUnion to report this data? 
Where is the evidence of a complete and lawful investigation per FCRA 611? 

COLLECTION ACCOUNT : XXXX XXXX XXXX / XXXX {$100.00} This debt is disputed. TransUnion must provide : Original signed contract or agreement Chain of assignment ( proof of transfer of ownership of the debt ) Written proof of a permissible purpose to report BANKRUPTCY : XXXX XXXX Bankruptcy Filed XXXX voluntarily dismissed but still reporting until XXXX  This entry is no longer valid. I demand verification from the original source ( e.g., XXXX  ) or complete removal. 

TransUnion must show when and how this data was verified, and from what exact source.

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 2025-06-19 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-06-19 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed a lot of inaccurate information and unauthorized accounts. These remarks have been detrimental to my credit and my credit health. I am filing a complaint against Experian, Equifax and Transunion. They consistently respond saying the accounts are accurate with no proof of evidence. This practice violates the Fair Credit Reporting ( FCRA ). 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Please delete these items off my credit.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received a copy of my credit report and noticed a lot of inaccurate information and unauthorized accounts. These remarks have been detrimental to my credit and my credit health. I am filing a complaint against Experian, Equifax and Transunion. They consistently respond saying the accounts are accurate with no proof of evidence. This practice violates the Fair Credit Reporting ( FCRA ). 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Please delete these items off my credit.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you

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 2025-06-19 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: CO

Complaint narrative:
Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

This account has violated my rights.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete the item listed above. You are required to do what i am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-06-19 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: NY

Complaint narrative:
Im writing to demand the immediate deletion of an account on my credit report that was opened fraudulently and without my knowledge or consent. This was an unauthorized use of my identity, and I want to make it absolutely clear : I did not apply for, open, or approve this accountperiod. 

I dont owe this debt. I never agreed to it. Ive never had a relationship with this company, and I did not authorize anyone else to open any credit lines or accounts on my behalf. 

This is identity theft, plain and simple.

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 2025-06-19 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:
My name is XXXX XXXX, and I am a victim of identity theft. I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion, Equifax, and Experian block fraudulent and inaccurate information from my credit reports. My consumer file has been compromised by unauthorized accounts and inquiries that I did not open or approve. These include collections from XXXX XXXX XXXX and XXXX XXXX XXXX, a delinquent telecom account from XXXX, and student loan accounts from XXXX reporting in default or with derogatory statusall of which are the result of identity theft. Ive attached my FTC Identity Theft Report, photo ID, proof of address, and highlighted credit reports. These accounts have caused repeated damage to my credit and financial standing. I have only ever used one legal name and one address. These entries must be blocked and removed immediately.

I assert that I have only one legal name and one valid, mailable address. Any other names, aliases, or addresses listed on my consumer credit report are inaccurate, unauthorized, and directly connected to identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of all erroneous personal information from my credit file. Furthermore, any inquiries linked to these false identifierswhether personal or account-relatedmust be permanently deleted, as they were not made or authorized by me. Continued reporting of this fraudulent data constitutes willful noncompliance and subjects your agency and data furnishers to liability under 15 U.S.C. 1681n and 1681o.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-06-19 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:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-06-19 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
They are trying to make me pay a debt. I own an estate account and the want me to pay them but its fraud and its in probate court!

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 2025-06-19 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Ive contacted this company XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX This is not my debt. They keep stating the account was opened by a female and all notes are from a female. I am a XXXX 
I opened a dispute with this company and cfpb gave me 6days to respond in which they closed my case. The company is stating they purchased this fraud account from XXXX  XXXX and which XXXX  XXXX agreed it was a fraud account. How and why are they ruining my credit over a fraudulent account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against PORTFOLIO RC for their continued failure to address this matter appropriately. 

Account in Question : Creditor : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : $ {$960.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with PORTFOLIO RC, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am contacting you regarding an account that appears on my credit report, and I am formally requesting immediate action. 

Heres the bottom line : I need you to certify, in full, that every single piece of data associated with this account actually belongs to meaccurately and verifiably. Not just the name or a partial matcheverything must be properly validated : the account ownership, dates, balances, payment history, account status, all of it. 

Im not asking this as a favor. Im exercising my legal right to dispute and verify the integrity of the data being reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: WV

Complaint narrative:
I transferred XXXX to my external account and later check and they changed my amount I transferred like I had never put that amount and took the XXXX and placed it back into the account and locked it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Citi misallocated my {$13000.00} payment, causing unjust interest charges after a 0 % balance transfer expired no resolution despite prior contact. 

Details : I made a {$13000.00} payment on XX/XX/year>, with the clear intent of paying off Balance Transfer Offer XXXX, which had a 0 % APR that expired on XX/XX/year>. However, Citi applied my payment to other lower-interest balances ( such as XXXX Offer XXXX and XXXX ), instead of the portion that was about to convert to a 28.99 % APR. 

As a result of this misallocation, I was charged : {$150.00} interest in my XX/XX/XXXX statement {$320.00} interest in my XX/XX/XXXX statement Total so far : {$480.00} in improper interest charges I called XXXX customer service in XX/XX/year>, and the representative acknowledged the problem and said it would be corrected. However, as of my XX/XX/year> statement, the issue has not been fixed. I expect further interest charges to appear in my upcoming XXXX statement as well, unless this is corrected immediately.

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