vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other 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: VA

Complaint narrative:
I am writing to file a formal complaint and dispute regarding a collection account listed on my credit report by Portfolio Recovery Associates in the amount of {$460.00}, reported on XX/XX/year>. 

I have no knowledge of this account and have never received any communication or documentation from Portfolio Recovery Associates regarding this alleged debt. I have not been provided any validation of this account, nor do I recognize the original creditor or any prior transaction related to this balance. As such, I believe this account may have been reported in error, may involve mistaken identity, or may otherwise be invalid. 

Under my rights established by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that this matter be thoroughly investigated by the CFPB and that Portfolio Recovery Associates be required to provide proper validation of the debt. This includes : The name and account number of the original creditor. 

A copy of any contract or agreement bearing my signature. 

A full transaction history to substantiate the amount allegedly owed. 

Proof that Portfolio Recovery Associates has legal authority to collect this debt. 

Until such documentation is provided, I request that Portfolio Recovery Associates cease all collection activities and that this account be marked as disputed on my credit file. If the company is unable to validate the debt, I am requesting its immediate deletion from all credit reports ( XXXX XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX  XXXX XXXX XXXX * * * * - - XXXX XXXX  XXXX XXXX * * * * - - XXXX XXXX XXXXXXXX * * * * - - XXXX FIN XXXX * * * * - - XXXX XXXX * * * * {$710.00} {$710.00} XXXX XXXX * * * * {$13000.00} - XXXX XXXXXXXX * * * * {$1300.00} - NOT PROVIDED XXXX * * * * {$13000.00} - NOT PROVIDED XXXX * * * * {$1300.00} - XXXX XXXX, XXXX XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have provided equitable with the documents to verify my identity but now they continue to not add the security freeze to my file. I want the security freeze added to my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX # XXXX XX/XX/year> -- {$510.00} XXXX # XXXX XX/XX/year> -- {$410.00}

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for an unauthorized credit hard inquiry on my credit report with Equifax. I received an alert from XXXX XXXX that there was a hard inquiry on my credit report and the inquiry was not known to me or requested by me. I do not know who the culprit behind this was but I suspect someone is attempting to open accounts in my name and that I may be a victim of identity theft. I was told to file a complaint about this matter. The inquiry occurred on XX/XX/year> and was to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is based on XXXX  reporting of a XX/XX/XXXX late payment on the following account : Creditor : Wells Fargo Account Number : XXXX Late Payment Date : XX/XX/XXXX Bureau Involved : XXXX  I submitted a formal dispute and requested that XXXX  conduct a proper investigation into this negative item. However, XXXX  has failed to provide sufficient documentation verifying the legitimacy of the late payment. No billing statement or due date confirmation was provided, violating multiple federal protections. 

Relevant violations include : FCRA 15 U.S.C. 1681i, 1681s-2 ( b ), 1681e ( b ) TILA and FCBA 15 U.S.C. 1637 ( b ), 1666 ( b ), 12 CFR 1026.5 ( b ) UDAAP and Regulation V 12 CFR Part 1022 Equifaxs response appears to have been automated and did not involve a meaningful reinvestigation as mandated under the FCRA, as reaffirmed in Cushman, Burke, and CFPB v. Experian ( 2025 ).

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 2025-04-17 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I am an identity theft victim I am providing my ftc and identity theft affidavit

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 2025-04-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the ongoing presence of fraudulent accounts on my credit reports with the national credit reporting agencies, despite my prior efforts to have them removed in accordance with federal law. My name is XXXX XXXX, and I am a victim of identity theft. 

I initially discovered the fraudulent activity in XXXX of 2022 and attempted to dispute the unauthorized accounts directly with both the creditors and the credit reporting agencies via phone. Despite these efforts, the accounts remain improperly listed and are negatively impacting my credit. 

Below is a list of the accounts that were opened without my knowledge, authorization, or benefit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already submitted disputes along with documentation to the credit bureaus, including a government-issued photo ID and an FTC Identity Theft Report. Despite these submissions, the credit bureaus have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ), particularly Sections 605B and 611, which provide protections for identity theft victims and outline their responsibility to block fraudulent information after receiving proper notice and proof. 

The continued reporting of these fraudulent accounts constitutes a violation of my rights and has caused financial and emotional harm. I am requesting that the CFPB investigate this matter and hold the credit reporting agencies accountable for their noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I sold an item on XXXX marketplace and the buyer sent the payment via Zelle using my mobile phone number, XXXX. I received a text message indicating the amount was received. However, when attempting to register Zelle with three different banks using the same number, they would not permit me to register the mobile phone number citing Zelle 's rules about not accepting XXXX  numbers, which my mobile phone is. I contacted Zelle asking for assistance and pointing out that if XXXX numbers were not permitted, they should have rejected the transfer when attempted. However, Zelle support offered no solution, and the payment remains showing as pending on my mobile number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CT

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
At the end of XXXX XXXX, my debit card was compromised. My bank sent me an alert and I closed the card and received a new one. XXXX weeks later ( early XX/XX/XXXX ), XXXX XXXX withdrawals were made taking {$4000.00} out of my account. I did not authorize these withdrawals and the bank did not stop the removal of money from my account. As soon as I relized the money was gone, I went to a Truist bank in XXXX ( where I attend college at XXXX ) to report the issue. The teller who filed my complaint recorded information incorrectly. My local bank has tried to correct the situation but has been unsuccessful. 
I did not get any money back and I am still not sure why. 
I have worked with my local Truist bank to resolve the situation. 
I have made endless calls to Truist customer service and spent hours on the phone to try and correct the situtation. Customer service for Truist bank has not helped me. Over a year later I am still trying to get to the bottom of what happened to my money and an explanation as to why I am not getting a refund based on the correction made to how the complaint was filed. I work very hard during the summer to make money for college. This {$4000.00} that was stolen from my account has caused me to be limited in what I have been able to do this year as a college student.

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 2025-04-17 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: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
I recently went over my credit and notice fraudulent accounts and closed fraudulent accounts on my report Im a requesting to remove the account as following. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-17 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
My lease with XXXX XXXX XXXX XXXX started XX/XX/XXXX. Everything went well for a while then I had some hardship missed some payments so the XXXX got repod. I made the payment and get the truck back within the time I needed to and I thought everything was fine. 

Fast forward to the end of the lease XXXX and Im turning the truck in and theyre checking my credit to go through options. The XXXX comes up and tries to confirm with me when my lease started and I said XX/XX/XXXX. He said I looks like it started XX/XX/XXXX, the same date the car got repod. But it said Ally Financial. Ive paid my truck off through XXXX and attached the confirmation below. I just have no clue how Ally popped up on my credit report for an auto loan at this time period. The XXXX told me to dispute it to get it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The incident occurred on XX/XX/XXXX when I tried to use my BMO XXXX to pay at a grocery store when it was rejected. When I called BMO they said my card was cancelled and would not give any explanation. They also said I was sent a letter to that affect but I did not receive a letter until 12 days later dated XXXX. I had been a customer for many years with an flawless payment history. The BMO representative was not able to provide an explanation other than " they can do it ''. Not only was the incident embarrassing I wonder if I had used it to set up automatic payments- it could have been very troubling. In addition I asked about the rewards balance that I am entitled to and was told that it was below the redeemable minimum. So they get to keep it and that to me is stealing!!! for sure they are highly unethical.

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 2025-04-17 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX XX/XX/2020 -- {$510.00} XXXX # XXXX XX/XX/2020 -- {$410.00}

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