vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 



Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX, I am writing to formally dispute an inaccurate entry on my credit report. The account in question is listed under Portfolio Recovery, with an open balance of {$540.00}, and was reported as placed for collection.

After reviewing my records, I believe this information is incorrect due to the following reasons : 1. Account not recognized Under the Fair Credit Reporting Act ( FCRA ), I request that this item be investigated and either corrected or removed from my credit report if found to be inaccurate. Please provide me with written documentation verifying the validity of this debt. If no verification can be provided, I ask that the account be deleted immediately. I have attached a copy of my credit repor
t highlighting the disputed account along with any supporting documentation. Please conduct your investigation and provide a response within the legally required 30-day period.

Thank you for your time and assistance. Please confirm receipt of this dispute and inform me of the results at your earliest convenience. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Employers : XXXX XXXX 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : 1 XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Collection Account Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account name : XXXX  Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : 1 XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Collection Account Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account name : XXXX  Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-12 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX {$810.00} XXXX XX/XX/XXXX XXXX  XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX {$3400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$85.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$700.00} XXXX XX/XX/XXXX XXXX XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX {$3400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XXXX XX/XX/XXXX XXXX, XXXX {$7800.00} XXXX XX/XX/XXXX 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 2025-03-12 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
This is not my debt and I am not responsible for this debt. I requested original proof of the debt. I also requested proof of how they disposed of the vehicle and what the remaining debt balance was after they disposed of the vehicle. They refused to provide me this information. This is in violation of fair debt collection practices and fair credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
I am a victim of Identity theft!!! Ive tried several times to dispute these accounts, and they keep coming back as verified. That should be impossible due to the fact that these are not my accounts. Every time I submit a dispute they dont even respond. I have sent in several FTC reports along with a letter discribing the identity theft. They simply ignore it.

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 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I am writing to formally dispute an inaccurate charged-off account listed on my credit report. The details of the account are as follows : Creditor Name : ACIMA DIGITAL XXXX SIMPLE Account Number : unknown Date of Charge-Off : XXXX XXXX I believe this information is inaccurate for the following reason ( s ) The account does not belong to me. 
The balance or amount reported is incorrect. 
The account was paid off, but still shows as charged-off. 
The charge-off date is incorrect. 

Please investigate this matter and remove or correct this account from my credit report as soon as possible. I request that you provide me with a written response of your findings within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against Experian for failing to properly investigate and remove an unverified XXXX  XXXX bankruptcy from my credit report. 

Complaint Details : Credit Bureau Involved : Experian Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Reference Number : XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX I formally disputed this bankruptcy with Experian, requesting verification under the Fair Credit Reporting Act ( FCRA ). I also contacted US Bankruptcy Court XXXX XXXXXXXX, and they confirmed that they do not report bankruptcies to credit bureaus. Despite this, Experian has failed to provide proper verification and continues to report this item, harming my credit standing. 

Under 15 U.S.C. 1681i, credit bureaus are required to conduct a proper investigation and delete any item that can not be verified. Experian has not provided adequate proof that this bankruptcy was directly reported by the court or verified through legitimate sources. Instead, they seem to rely on third-party databases, which is not sufficient verification under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against Experian for failing to properly investigate and remove an unverified XXXX  XXXX bankruptcy from my credit report. 

Complaint Details : Credit Bureau Involved : Experian Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Reference Number : XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX I formally disputed this bankruptcy with Experian, requesting verification under the Fair Credit Reporting Act ( FCRA ). I also contacted US Bankruptcy Court XXXX XXXXXXXX, and they confirmed that they do not report bankruptcies to credit bureaus. Despite this, Experian has failed to provide proper verification and continues to report this item, harming my credit standing. 

Under 15 U.S.C. 1681i, credit bureaus are required to conduct a proper investigation and delete any item that can not be verified. Experian has not provided adequate proof that this bankruptcy was directly reported by the court or verified through legitimate sources. Instead, they seem to rely on third-party databases, which is not sufficient verification under 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 2025-03-12 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: GA

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.

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 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 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I dispute the following hard inquiries on my credit report : [ XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ]. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

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 2025-03-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I dispute the following hard inquiries on my credit report : [ XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ]. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX  XXXX XXXX  on XX/XX/XXXX under the account number XXXX, with a balance of {$12000.00}. Additionally, there is another Credit Card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, with a balance of {$12000.00}. A third fraudulent Credit Card was opened at XXXX XXXX XXXXD on XX/XX/XXXX under the account number XXXX, with a balance of {$12000.00}. A fourth Credit Card was opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, with a balance of {$0.00}. Finally, there is a Credit Card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX purchase a cashier check in the amount of {$1500.00} for my rent. Check made out to XXXX XXXX XXXX. My landlord took me to court; got judgment and eviction for not paying my rent for period XX/XX/XXXX through XX/XX/XXXX. Truist ( XXXX XXXX XXXX, XXXX, VA ) told me in XXXX the check wasnt cashed. I needed to wait until XXXX to stop payment. I was charged {$35.00} on XX/XX/XXXX for stop payment. I talked with customer service by phone on XX/XX/XXXX for 2 hours, to stop the check. I went inside the back and completed the process to have the money refunded to my checking account, which posted XX/XX/XXXX. On XX/XX/XXXX bank took the money back out my account claiming the check posted XX/XX/XXXX. The copy of the check the bank showed me had no signature to endorse, but a stamp from XXXX XXXX. I have asked who cashed the check because my rental property claim they didnt receive. If the check had cleared why did Truist charge me {$35.00}, and didnt locate the posted check earlier. Somebody took my money which caused me to XXXX. I want answers

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 monetary relief
Consumer complaint received 2025-03-12 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:
Improper reporting on my credit profile. Thats, creating a hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief