vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. The following fraudulent account and inquiries were initiated without my knowledge or authorization. The fraudulent accounts are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN. 3. Proof of my current address. All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

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 2025-08-29 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: PNC Bank N.A.
State: IL

Complaint narrative:
DISPUTE LETTER IDENTITY THEFT AND UNAUTHORIZED CONSULTATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Tel. : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX : ( XXXX ) XXXX Subject : Unauthorized Credit Inquiry Dispute Possible Identity Theft Dear Sirs : I am writing to you as an affected consumer to formally dispute and reject the credit inquiry made by your institution on XX/XX/XXXX, recorded in my credit history as " XXXX XXXX XXXX '' valid until XX/XX/XXXX. 

I expressly clarify that : I have not applied for a credit card with your institution, nor have I authorized any inquiry to my credit history. 

This investigation constitutes a possible case of identity theft, as I am completely unaware of this process. 

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), I require you to : Immediately cancel and delete any fraudulent requests associated with my name. 

Remove the unauthorized credit inquiry from the appropriate credit bureaus. 

Confirm in writing, within XXXX legal days, the actions taken regarding this claim. 

I attach as support : A copy of proof of address. 

Credit report showing the unauthorized inquiry. 

I also inform you that this incident will be reported to the credit bureaus ( XXXX XXXX XXXX XXXX ), the Consumer Financial Protection Bureau ( CFPB ), and the Illinois Attorney General 's Office, as part of a formal reporting process and to protect my rights. 

I request that any response be sent in writing to the above address or to the email address on file. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I recently pulled a copy of my credit report and noticed some unauthorized accounts on my credit report. This is hindering my ability to obtain credit. Please remove these items asap 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 2025-08-29 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: OH

Complaint narrative:
I see that inaccurate accounts remain on my credit report and have not been removed. I request that the attached documents be carefully reviewed so I no longer have to worry about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX, TN XXXX Date : XX/XX/scrub>/2025 To : Portfolio Recovery Associates XXXX XXXX, XXXX XXXX TN XXXX Subject : Cease and Desist & Request for Removal of Inaccurate Item ( s ) from My Credit Report To Whom It May Concern, This letter is a formal request pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to immediately cease all collection activities and remove the following inaccurate, unverifiable, or outdated account ( s ) from my credit report.

I am requesting the deletion of the following account ( s ) from my credit profile : Creditor/Agency Name : [ Insert Name ] Account Number : [ Insert Account Number ] Reason for Deletion : [ Examples : Not mine / Paid in full / Inaccurate information/ Outside statute of limitations/ Unable to verify ] I am disputing the validity and accuracy of this item and requesting a full investigation in compliance with federal law. If the account can not be verified or substantiated, it must be removed from my credit file with immediate effect.

Additionally, I request that you cease all communication with me regarding this matter. Any further attempts to collect on this alleged debt will be considered a violation of the FDCPA, and I will not hesitate to report such actions to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general.

Please confirm in writing within 30 days that you have : 1. Ceased all collection activity, 2. Deleted the account ( s ) from all credit bureaus, and 3. Will not report the item again unless it can be fully validated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I dispute the accuracy of a charge-off account reported by XXXX XXXX  XXXX ( Acct XXXX ) on my XXXX  credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), XXXX  must follow reasonable procedures to assure maximum possible accuracy. The tradeline in question contains material inconsistencies and does not comply with required Metro 2 reporting standards : The account is listed as Paid charge-off / closed, yet XXXX  continues to reflect [ insert exact defects you see : balance showing after payoff, inconsistent DOFD, late payment notations after closure, or any mismatch versus Equifax/XXXX  ] . Across bureaus, the same account reports different dates/statuses, creating a misleading and inaccurate representation of my creditworthiness. Certain Metro 2 fields ( DOFD, account status, payment history grid ) are not uniform and therefore unverifiable. These conflicts demonstrate XXXX  has not maintained reasonable procedures to ensure accuracy as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO closed my account while I have a balance causing my credit score to go down. 
I feel like this was a retaliation for the complaint I had made.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
An account with Citi has been placed on my credit report that I did not open or authorize. I never applied for this account and did not give consent for it to be opened. This account is not mine. 

I contacted Citi and requested proof that I had applied for or authorized this account, such as a signed application or account-opening documentation. Citi has not provided me with this information and continues to allow the account to remain on my credit file. 

This account is fraudulent and inaccurate. Its continued reporting is causing harm to my credit profile and is a violation of the Fair Credit Reporting Act.

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 2025-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
am filing a formal complaint against XXXX regarding a debt they are attempting to collect from me that is fraudulent and not owed. 
In XX/XX/year>, I began contacting XXXX regarding a charge tied to XXXX XXXX. 
I have provided XXXX with multiple supporting documents proving that : No services were rendered by XXXX XXXX. 
XXXX XXXX fraudulently billed my XXXX insurance and accepted loan funds from XXXX. 
I never received, authorized, or benefited from any of the services they claim were provided. 

Despite my repeated emails and submission of evidence since XX/XX/year>, XXXX has failed to properly investigate or resolve this matter. Instead, they continue to attempt collection of this fraudulent debt and have reported it to the credit bureaus, causing my credit score to drop drastically. 

This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the following relief : 1. Immediate removal of this fraudulent debt from my credit report with all three credit bureaus ( Experian, Equifax, and TransUnion ).

2. Written confirmation from Sunbit that this account has been permanently closed and marked as invalid.

3. Assurance that Sunbit will cease all collection activity related to this fraudulent account.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XXXX, I experienced a job loss that caused financial hardship and led to late payments on my account with XXXX XXXX XXXX XXXX. I even contacted XXXX XXXX XXXX XXXX each time I knew it would be difficult to meet my financial obligation on the car loan. Beginning in late XXXX to mid XXXX through the present, I have made consistent, timely payments. Despite this positive payment history, my credit reports continue to reflect approximately XXXX late-payment notations. 
I believe this is a violation of Consumer Rights in the following ways : FCRA, 15 U.S.C. 1681s-2 ( a ) : Furnishers must provide accurate and not misleading information. Reporting a long string of late payments without reflecting my current positive payment history creates a materially misleading impression of my creditworthiness.

FCRA, 15 U.S.C. 1681i : I have disputed this account with the credit bureaus several times. Each time it was marked verified without evidence of a reasonable investigation, which violates my right to a fair reinvestigation.

FCRA, 15 U.S.C. 1681e ( b ) : Credit bureaus are required to ensure maximum possible accuracy. Allowing years-old negative data to overshadow my current performance creates an unfair and inaccurate representation of my credit. 
XXXX XXXX XXXX XXXX ongoing reporting of outdated late paymentsdespite proof of consistent on-time payments since late XXXX has continuously harmed my ability to access fair credit opportunities.

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 2025-08-29 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: NC

Complaint narrative:
In XXXX, I experienced a job loss that caused financial hardship and led to late payments on my account with XXXX XXXX XXXX XXXX. I even contacted XXXX XXXX XXXX XXXX each time I knew it would be difficult to meet my financial obligation on the car loan. Beginning in late XXXX to mid XXXX through the present, I have made consistent, timely payments. Despite this positive payment history, my credit reports continue to reflect approximately XXXX late-payment notations. 
I believe this is a violation of Consumer Rights in the following ways : FCRA, 15 U.S.C. 1681s-2 ( a ) : Furnishers must provide accurate and not misleading information. Reporting a long string of late payments without reflecting my current positive payment history creates a materially misleading impression of my creditworthiness.

FCRA, 15 U.S.C. 1681i : I have disputed this account with the credit bureaus several times. Each time it was marked verified without evidence of a reasonable investigation, which violates my right to a fair reinvestigation.

FCRA, 15 U.S.C. 1681e ( b ) : Credit bureaus are required to ensure maximum possible accuracy. Allowing years-old negative data to overshadow my current performance creates an unfair and inaccurate representation of my credit. 
XXXX XXXX XXXX XXXX ongoing reporting of outdated late paymentsdespite proof of consistent on-time payments since late XXXX has continuously harmed my ability to access fair credit opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I entered into an auto lease agreement with Mercedes-Benz Financial Services on or about XX/XX/XXXX with a XXXX term. 

The lease matured in XX/XX/XXXX, at which time no balance was owed. 

Despite this, XXXX have reported and continued to report an alleged balance of {$15000.00} with repeated delinquencies after the account should have been closed. 

I the consumer have disputed this information with XXXX, XXXX, and XXXX  for a number of times. 

The CRAs failed to conduct a reasonable reinvestigation, and Mercedes-Benz Financial failed to provide validation or correct the information. 

XXXX have re-aged the account, improperly marking it as open beyond its lease term. 

These false reports have and continued to damaged my creditworthiness, caused stress, and interfered with financial opportunities. The CFPB has also failed to enforce the CRA 's comply with FCRA consumer laws and all involved have violated my rights for a long period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I am filing this complaint against XXXX regarding improper collection activity on an account that was already settled. 

On XXXX XXXX, 2025, XXXX  sent me a written settlement offer, stating they would accept {$1500.00} as full settlement of the account. The letter clearly stated that once the settlement payment was made, the loan would be considered paid off for less than the full balance and reported to the credit bureaus as such. 

On XX/XX/year>2025, I authorized and made the {$1500.00} settlement payment via ACH from my XXXX XXXX XXXX XXXX account. On XX/XX/scrub> 2025, the payment posted, and XXXX sent me a Notice of Payment confirming receipt. At that point, the account was resolved under the terms of the written settlement agreement. 

Despite this, XXXX has continued to attempt to collect on the debt : On XX/XX/year>, I received a voicemail from XXXX collections department requesting I call them back regarding an important matter on the account. 

On XX/XX/year>, XXXX  sent me an email titled Heres Your Personalized Payment Arrangement, demanding a new balance of {$2000.00} and offering an 18-payment plan.

These actions are improper and unlawful. I have written proof of the settlement agreement, proof of payment, and confirmation from XXXX  itself that the payment was received. Continuing to demand money on a debt that was already settled in writing and paid violates the Fair Debt Collection Practices Act ( FDCPA ) and creates potentially inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/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 2025-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute multiple entries on my TransUnion credit report that I believe to be inaccurate, unverifiable, or legally questionable under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). The following items are being reported with charge-off, collection, or inquiry status and are negatively impacting my credit standing. I am requesting a complete reinvestigation and validation for each of the listed items below. 
XXXX XXXX XXXX XXXX * * * * Balance : {$8100.00} XXXX XXXXXXXX XXXX XXXX * * * * Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXX * * * * Balance : {$2200.00} XXXX XXXXXXXX XXXX XXXX * * * * Balance : {$7600.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute multiple entries on my TransUnion credit report that I believe to be inaccurate, unverifiable, or legally questionable under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). The following items are being reported with charge-off, collection, or inquiry status and are negatively impacting my credit standing. I am requesting a complete reinvestigation and validation for each of the listed items below. 
XXXX XXXX XXXX XXXX * * * * Balance : {$8100.00} XXXX XXXXXXXX XXXX XXXX * * * * Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXX * * * * Balance : {$2200.00} XXXX XXXXXXXX XXXX XXXX * * * * Balance : {$7600.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I have no responsibility for the accounts listed. They were opened without my consent, and I request their deletion under USC 1681g within XXXX days. Supporting files are enclosed.

Company response to consumer: Closed with non-monetary relief