vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am formally disputing the unlawful reporting of inaccurate and unverifiable information on my credit report in violation of federal law. As a consumer, I demand full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards.

You are reporting the following accounts without sufficient documentation, verification, or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Collection ) XXXX XXXX I demand full disclosure of all documentation, including original applications bearing my legally binding signature and any contractual agreements that legally establish my responsibility for these debts. Certification alone is not acceptable. You are required to provide factual evidence proving accuracy, complete reporting compliance, and lawful reporting standards.

Failure to provide full verification constitutes : Violation of 15 U.S.C. 1681i ( Failure to properly reinvestigate disputed information ) Violation of 15 U.S.C. 1681e ( b ) ( Failure to maintain maximum possible accuracy ) Violation of 15 U.S.C. 1681b ( Lack of permissible purpose ) Metro 2 Reporting Violations ( Inaccurate coding and reporting of account status ) I am also directly affected by national data breaches that compromise the integrity of any data you claim to verify. Reporting unverifiable or incomplete data in this context is reckless and willful non-compliance.

I hereby demand the IMMEDIATE PERMANENT DELETION of these accounts from my credit file. If you fail to comply, I will exercise my full legal rights to seek civil remedies under FCRA 1681n and 1681o for willful and negligent non-compliance.

Send me written confirmation of deletion and an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This is a follow-up to CFPB XXXX # XXXX. PRA submitted a generic response dated XX/XX/year>, claiming to have investigated my dispute and provided validation. However, they did not address the specific documents requested in my original and repeated validation letters. Specifically, they have failed to provide : A signed credit agreement bearing my wet ink signature A complete chain of title ( Forward Flow or Purchase Agreement with account-level detail ) A full and itemized payment history Proof of legal authority to collect in Illinois An affidavit of ownership or any charge-off/insurance claim documents PRAs vague reference to having sent validating documentation lacks substance. The documents provided are not sufficient to validate the alleged debt under FDCPA 1692g ( b ) or to justify ongoing credit reporting under FCRA 1681s-2 ( b ).

Their response shows no evidence that they verified the integrity or accuracy of what they are furnishing to XXXX, XXXX, or XXXX. Merely stating the debt was disputed is not compliance. 

I respectfully request : 1. That PRA be compelled to produce all of the above documentation, or 2. That the tradeline be permanently removed from all consumer credit reports for failure to validate.

PRAs vague and evasive response only confirms that no real validation or investigation has occurred. Their conduct supports a pattern of noncompliance that deserves regulatory attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-06-24 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-24 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. XXXX disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-24 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FTC ID Theft Report # : XXXX Summary : I am filing this complaint because Early Warning Services , LLC has reinserted multiple identity theft-related accounts on my consumer report after they were previously blocked pursuant to the Fair Credit Reporting Act ( FCRA ) 1681c-2. Despite submitting a valid FTC Identity Theft Report ( No. XXXX ), Early Warning has rescinded the blocks and reinserted the following fraudulent accounts : - XXXX XXXX XXXXXXXX ( Acct : ending in XXXX ) - XXXX XXXX XXXX XXXX ( Acct : ending in XXXX ) - XXXX XXXXXXXX XXXX XXXX. 
- XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX These actions violate : - FCRA 1681c-2 : Duty to block identity theft-related information.

- FCRA 1681i ( a ) ( 5 ) ( B ) : Reinsertion without proper certification and notice. 

Requested Resolution : I am requesting the permanent deletion of all reinserted identity theft-related accounts and a full investigation into Early Warnings reinsertion practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FTC ID Theft Report # : XXXX Summary : I am filing this complaint because Early Warning Services , LLC has reinserted multiple identity theft-related accounts on my consumer report after they were previously blocked pursuant to the Fair Credit Reporting Act ( FCRA ) 1681c-2. Despite submitting a valid FTC Identity Theft Report ( No. XXXX ), Early Warning has rescinded the blocks and reinserted the following fraudulent accounts : - XXXX  XXXX XXXX ( Acct : ending in XXXX ) - XXXX XXXX XXXX XXXX ( Acct : ending in XXXX ) - XXXX XXXX XXXX  XXXX. 
- Truist XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  These actions violate : - FCRA 1681c-2 : Duty to block identity theft-related information.

- FCRA 1681i ( a ) ( 5 ) ( B ) : Reinsertion without proper certification and notice. 

Requested Resolution : I am requesting the permanent deletion of all reinserted identity theft-related accounts and a full investigation into XXXX XXXX reinsertion practices.

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 2025-06-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FTC ID Theft Report # : XXXX Summary : I am filing this complaint because XXXX XXXX XXXX XXXX XXXX has reinserted multiple identity theft-related accounts on my consumer report after they were previously blocked pursuant to the Fair Credit Reporting Act ( FCRA ) 1681c-2. Despite submitting a valid FTC Identity Theft Report ( No. XXXX ), XXXX XXXX has rescinded the blocks and reinserted the following fraudulent accounts : - XXXX XXXX  XXXX ( Acct : ending in XXXX ) - XXXX XXXX XXXX XXXX ( Acct : ending in XXXX ) - XXXX XXXX XXXX  XXXX. 
- XXXX XXXX XXXX XXXX XXXX - Fifth Third Bank These actions violate : - FCRA 1681c-2 : Duty to block identity theft-related information.

- FCRA 1681i ( a ) ( 5 ) ( B ) : Reinsertion without proper certification and notice.

Requested Resolution : I am requesting the permanent deletion of all reinserted identity theft-related accounts and a full investigation into XXXX XXXX reinsertion practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-24 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a survivor of XXXX XXXX, and throughout my XXXX, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-06-24 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 am writing to formally dispute the presence of a hard inquiry on my credit report which I did not authorize or initiate. I have conducted a thorough review of all recent credit applications and confirmed that I have not applied for any credit accounts, loans, or services that would justify this inquiry. Under the Fair Credit Reporting Act, credit inquiries must be made with the consumers explicit knowledge and authorization. In this case, there is no permissible purpose for the inquiry in question, and it appears to be a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX - XXXX FEB-RETAIL - XXXX BBY/CBNA - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 am disputing a hard inquiry that has been reported on my credit file without my consent. At no point did I authorize or initiate a credit application that would allow such an inquiry to be made, and I believe this entry may be a result of a reporting error or a potential violation of federal regulations.

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 2025-06-24 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 am writing to formally dispute several accounts currently appearing on my credit report that were opened fraudulently and without my consent. I have never had any relationship with the listed creditors, nor have I authorized the creation of these accounts.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I requested proof of account verification via dispute letter in XX/XX/. I was never awarded that information.

Company response to consumer: Closed with explanation