vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: GA

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 id-entity 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 non-monetary relief
Consumer complaint received 2025-12-02 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: MO

Complaint narrative:
I am filing this complaint because my credit report contains missing or blank credit information that is preventing the accurate reporting of my credit profile. Certain accounts on my report do not show the required details such as payment history, current balance, account status, or date information. This incomplete reporting creates confusion, affects my creditworthiness, and violates the requirements under the FCRA for accurate, complete, and verifiable data. 

I have already contacted the credit bureau ( s ) involved and disputed the issue, but the information remains missing or blank. Despite my attempts to have this corrected, the bureau has not provided any verification or update. 

I am requesting a full investigation into why these credit data fields are blank and asking that the credit bureau obtain the correct information from the furnisher or remove the incomplete data if it can not be verified. I also request that the companies involved provide documentation showing how they verified this 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 2025-12-02 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 have no links to these accounts ; they must be removed within 15 days according to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am filing a complaint regarding misdirected funds and failure to release money that Chase has already agreed to reimburse. Despite multiple attempts to have this issue addressed, I continue to receive no movement on this problem. 

Again, I live in XXXXXXXX XXXX All correspondences have utilized my home address. Instead of sending the check to me, Chase sent the check to XXXX XXXX XXXX, XXXX XXXX  address. 

I've reached out multiple times, but am STILL not getting money Chase agreed to pay me. 

Company responded Status Company responded on XXXX Response Type Closed with monetary relief Company 's Response Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. Your claim has been resolved and is now closed. We have enclosed the letter dated XX/XX/year>, for your review. The claim was approved for the full amount of {$930.00} that was requested by the rental agency. Payment was issued by check XXXX, which was mailed directly to you at the XXXX XXXX XXXX address. Your claim was not previously denied, and we have confirmed that there were no errors on our part in the processing of your claim. We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to provide you with exceptional service, and we are sorry if we did not meet this goal. 
MONETARY RELIEF AMOUNT {$930.00} Feedback provided Status Feedback provided on XX/XX/year> Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint Yes The company did what they said they would do with my complaint No ADDITIONAL COMMENTS " Payment was issued by check XXXX, which was mailed directly to you at the XXXX XXXX XXXX address '' This address is unknown to me and according to XXXX XXXX is a vacant lot. The XXXX XXXX XXXX. address was never provided as our address, nor did it appear on any of the previous XXXX letterhead. We live in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates ( PRA ), XXXX, and XXXX XXXX for improper credit reporting, failure to verify disputed information, furnishing inaccurate data, and violating multiple federal laws.

The PRA account ( Portfolio Recovery Associates Account # XXXX ) was reported to XXXX  as a collection account with a {$600.00} balance. This account originated with XXXX XXXX, but the information being reported is inaccurate, unverifiable, incomplete, and not compliant with XXXX XXXX standards. 

1. XXXX  completed a reinvestigation but did NOT verify anything My XXXX  report shows : Completed investigation of FCRA dispute consumer disagrees.

XXXX  claims they conducted a reinvestigation, but did not provide a method of verification, no documents, no chain of title, and no verification from PRA.

This violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) the CRA must provide HOW the furnisher verified the account.

2. PRA is furnishing data that does not match XXXX XXXX standards Examples of XXXX XXXX violations include : Reporting the Date Opened as XX/XX/XXXX, which does not match any actual collection assignment date.

Reporting Terms : 1 Month on a charged-off credit card debt ( not true and violates the XXXX XXXX Field 17 requirement ).

Reporting a fixed balance of {$600.00} every month with no changes inaccurate and inconsistent with collection activity.

Status Updated stuck at XX/XX/XXXX, even though the payment history continues into XXXX. 

No Date of First Delinquency ( DOFD ) listed, which is required under FCRA 623 ( a ) ( 5 ).

Collection codes ( C ) being reported continuously, even though PRA provided no evidence of ownership, no validation, and no reinvestigation results.

3. PRA did not validate the alleged debt Under FDCPA 809 ( b ), PRA must provide : Proof of ownership Proof of assignment from XXXX  XXXX Itemized accounting Chain of title They have provided none of this to me nor to XXXX. 

4. XXXX  XXXX is responsible for furnishing unverifiable information XXXX XXXX is the original creditor. If PRA can not validate the account or show legal transfer, then XXXX XXXX allowed an unverified debt to be sold and reported, violating : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 623 ( b ) ( 1 ) duties after notice of a dispute FCRA 623 ( a ) ( 5 ) failure to provide date of first delinquency 5. All parties are reporting incomplete, inaccurate, and misleading information This debt is being : Reported inaccurately Verified without evidence Re-reported after dispute without method of verification Missing key data fields required by XXXX XXXX & FCRA This causes harm to my credit, and none of the parties have met their legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a XXXX  document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
I am submitting this complaint because the following credit reporting agenciesXXXX, XXXX, and TransUnionare reporting inaccurate, unverified, and/or incomplete information on my credit file. I am requesting a full investigation, validation of all disputed accounts, and correction or deletion of any information that can not be fully verified under the FCRA.

Charged-Off / Collection Accounts The following TransUnion entries are inaccurate, unverifiable, or incomplete : XXXX XXXX Acct # : XXXX XXXX  XX/XX/XXXX {$1500.00} XXXX XXXX Acct # : XXXX XXXX  XX/XX/XXXX {$440.00} XXXX Acct XXXX : XXXX XXXX  XX/XX/XXXX {$350.00} XXXX Acct XXXX : XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX Acct # : XXXX XXXX  XX/XX/XXXX {$630.00} Reason for dispute : These accounts contain inaccurate dates, inconsistent information between bureaus, and/or unverifiable balances. Please provide all documentation used to verify reporting accuracy or delete the accounts.

B. Hard Inquiries I dispute : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Reason for dispute : These inquiries were not authorized to the best of my knowledge. Please verify permissible purpose or delete them.

C. Late Payment Reporting I dispute : XXXX Acct # : XXXX Reason for dispute : Late payment information appears inaccurate. Please reinvestigate and remove if unverifiable.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Help my rights are being violated, XXXX U.S.C. XXXX ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: DC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts and inquiries on my Experian report because they contain inaccurate, incomplete, or unverifiable information. Please reinvestigate and remove anything that can not be verified. 

CHARGED OFF ACCOUNTS ( Disputed ) XXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX  XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} INQUIRIES ( Disputed ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENTS ( Disputed ) XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-12-02 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:
Could you review this entry? It might be late and contain errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Borrowed From Cash app {$54.00} Withdrawls to XXXX Bank ( their bank ) XXXX {$100.00} XXXX {$800.00} XXXX {$19.00} XXXX {$130.00} XXXX {$50.00} XXXX {$100.00} XX/XX/XXXX {$16.00} Cash App Pay XXXX {$53.00} XXXX XXXX {$2.00} XXXX Atm Withdrawals XX/XX/XXXX {$140.00} XXXX {$100.00} I disputed everything from my account takeover this doesn't include the overdraft that was also used. They only disputed some of them. Denied med two so far and gave me 2 but yet the money goes into the overdraft that also was not me and unauthorized so I'm technically not getting anything back. On top of it they won't let me add a card so I can withdraw anything say link a card that has already been linked and the card they are referring to is the card the thieves added and where they sent my money to which is their account. Now cash app won't tell me anything.

Company response to consumer: Closed with explanation