vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or 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 explanation
Consumer complaint received 2025-08-11 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:
CHECKED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. THEY ARE CONTINUING TO REPORT THESE ACCOUNTS EVEN AFTER BEING NOTIFIED THESE ACCOUNTS ARE DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am writing to formally file a complaint against Experian for inaccurately reporting child support information on my credit report. Specifically, this information has been reported by the Child Support Enforcement and appears under the following account : XXXX XXXX XXXX Child Support Enforcement Account # XXXX XXXX XXXX XXXX Under the XXXX XXXX Fair Credit Reporting Act ( FCRA ) XXXX XXXX and the XXXX XXXX Privacy Rights of the Individual and Maintain Accurate Consumer Information Act ( XXXX ) XXXX XXXX I am entitled to fair, accurate, and verified information being included in my credit file. The current reporting of my child support obligation as a credit tradeline is not only inaccurate but may also constitute a violation of my rights under these federal laws. 

Child support is not a consumer credit obligation in the traditional sense and should not be treated as such. Including this data on my credit report misrepresents the nature of the obligation and has the potential to negatively impact my creditworthiness, in a way that is not consistent with the original intent or structure of child support enforcement. 

I have already contacted the credit bureau and requested that this information be removed. However, the issue remains unresolved. 

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel Experian to : 1. Remove all references to child support from my credit report that were reported by the Child Support Enforcement. 
2. Ensure compliance with the FCRA and XXXX in the handling of such information going forward. 
3. Provide confirmation of the steps taken to correct this inaccurate reporting. 

Thank you for your attention to this matter. I trust that the CFPB will take the appropriate actions to ensure my consumer rights are upheld.

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 2025-08-11 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: NJ

Complaint narrative:
I hereby revoke any and all past, present, or future consent for the secondary use of my Personal Identifiable Information ( PII ), except where explicitly mandated by federal law. This revocation applies to all credit bureaus, affiliates, and third-party entities that may attempt to utilize my data beyond its lawful purpose. 
As mandated by the XXXX, financial institutions and their affiliates are required to protect consumer data and provide opt-out mechanisms for the sharing of non-public personal information. I assert my right to full confidentiality and require immediate cessation of all non-essential processing and unauthorized transfers of my personal data. 
My 18-digit Personal Tracking Number is : XXXX XXXX XXXX XXXX XXXX Subject : Demanding full investigative disclosure regarding all contested reporting itemscreditors must furnish definitive, incontestable proof of adherence to Fair Credit Reporting Act ( FCRA ) compliance standards. 
Dear Authorized Personnel : This letter serves as formal notification of disputed items on my credit report, negatively affecting my credit standing. I request immediate action to investigate and correct these inaccuracies as mandated by the FCRA, ensuring accurate and fair reporting. 
To lawfully report information alleging " derogatoriness '' ( even something as minor as a misspelling and certainly concerning major issues such as for " fraud '' and or Identity Theft ) to a consumer reporting agency, data reporters must adhere to the Fair Credit Reporting Act ( FCRA ) and its regulations. This means providing complete and accurate information, investigating consumer disputes, and ensuring the information is not used for any purpose other than those permitted under the FCRA. Of a MINIMUM are the following criteria at least :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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 am filing a formal complaint against XXXX, XXXX, and Equifax regarding a fraudulent account being reported under the name of XXXX XXXX. This account originated in XXXX XXXX while I was residing in XXXX  I have never purchased or financed a vehicle from them. I have submitted multiple disputes to all three credit bureaus and provided supporting documentation, including : A Federal Trade Commission ( FTC ) Identity Theft Report A police report documenting the identity theft Proof of my residency during the time the account was allegedly opened Despite this, the credit bureaus continue to report that XXXX XXXX has " verified '' the account, yet no documentation or evidence of this verification has been provided to me. This fraudulent and inaccurate account is causing significant financial and personal harm, including credit denials, increased interest rates, and emotional distress. I am requesting that the CFPB investigate this matter and require the credit bureaus to : 1.Immediately remove the fraudulent account from all of my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable identity theft protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed formal disputes with [ Equifax/Experian/TransUnion regarding fraudulent and inaccurate accounts and inquiries on my consumer report that resulted from documented identity theft. My disputes included a valid identity theft report in accordance with 15 U.S.C. 1681c-2 ( a ) and sufficient proof of my identity. These items are a direct result of criminal acts following multiple data breaches and the theft of my personal documents ( government ID, Social Security card, financial records ) on [ insert date of theft ].

Despite my compliance with statutory requirements, the credit reporting agency ( ies ) and/or furnisher ( s ) failed to conduct a reasonable investigation as required by law, returned false or incomplete findings, and continued reporting the fraudulent accounts, in violation of my federal rights.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed formal disputes with [ Equifax/Experian/TransUnion regarding fraudulent and inaccurate accounts and inquiries on my consumer report that resulted from documented identity theft. My disputes included a valid identity theft report in accordance with 15 U.S.C. 1681c-2 ( a ) and sufficient proof of my identity. These items are a direct result of criminal acts following multiple data breaches and the theft of my personal documents ( government ID, Social Security card, financial records ) on [ insert date of theft ].

Despite my compliance with statutory requirements, the credit reporting agency ( ies ) and/or furnisher ( s ) failed to conduct a reasonable investigation as required by law, returned false or incomplete findings, and continued reporting the fraudulent accounts, in violation of my federal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
i have identified information on my credit report that is are a result of identity theft this account do not belong to me ( XXXXXXXX XXXX XXXX XXXXXXXX ( inquiriesXXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
-- - CFPB Complaint Credit Bureau & Debt Collector Violation To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX Date : XXXX -- - I am filing a formal complaint against XXXX  and Portfolio Collection for continuing to report a collection account after I disputed it and demanded validation. 

The bureau claimed the account was verified but provided no real proof, no original signed agreement, no itemized statement, and no chain of ownership. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

What they did wrong : 1. Failed to give the method of verification when I requested it ( FCRA 1681i ).

2. Did not conduct a reasonable reinvestigation they just took the furnishers word for it without checking actual records.

3. The debt collector never sent full validation of the alleged debt ( FDCPA 809 ).

4. Continued reporting a disputed, unverified account which is illegal under federal law.

What I want : Immediate deletion of the collection from all credit reports. 

Copies of all documentation used to verify the account. 

Confirmation they will stop reporting unverified information. 


This inaccurate reporting is causing me financial harm and damaging my creditworthiness. I request an immediate investigation and enforcement action. 

Signed, XXXX XXXX XXXX Attachments : Copies of my dispute letters, bureau responses, and credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'I called the bank three times to ask to have the insufficient funds fees reversed from the following dates: XXXXThe bank reversed some other fees but refused to reverse the ones listed above. They said the supervisor has the same access and will have the same answer. I am now in more of a financial bind because of these fees.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been negatively affecting my life and my credit score, making it impossible for me to achieve financial freedom and stability.

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 2025-08-11 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: FL

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

* * Demand for Validation & Cease Communication * * Pursuant to 15 USC 1692g, I dispute the referenced debt in its entirety and demand strict validation. * * CEASE ALL COLLECTION ACTIVITY IMMEDIATELY * * per 15 USC 1692c ( c ).

Your validation must include, per 15 USC 1692g ( b ), 1681i ( a ) ( 5 ), and 1666 ( b ) : 1. * * Proof of Contractual Obligation : * * Signed agreement establishing liability.

2. * * Complete Accounting : * * Itemized principal, interest, fees from {$0.00}.

3. * * Proof of Ownership : * * Documentation proving lawful assignment/purchase.

4. * * License Verification : * * Evidence of collector/licensee compliance in my state.

* * Credit Reporting Demands : * * * If reported, ensure accuracy per 15 USC 1681e ( b ) ( reasonable procedures ).

* Provide all information furnished to CRAs per 1681i ( a ) ( 5 ).

* * * Immediately suppress * * this disputed information from all consumer reports pending validation.

* * Privacy Demands : * * * * * Cease all non-public personal information ( NPI ) disclosure * * related to this disputed account per GLBA ( 15 USC 6801, 6802 ), except as expressly permitted by law.

* * Failure to validate voids the debt. * * Continued collection, reporting, or XXXX  disclosure without validation violates : * FDCPA : 15 USC 1692g ( b ) ( continued collection ), 1692c ( c ) ( communication ), 1692e ( false/misleading representations ).

* FCRA : 15 USC 1681e ( b ) ( accuracy ), 1681i ( a ) ( 5 ) ( furnisher investigation ).

* GLBA : 15 USC 6802 ( privacy ).

* TILA : 15 USC 1666 ( b ) ( billing error procedures ). 

Send validation within 30 days. * * Confirm in writing that all collection efforts and credit reporting have ceased. * * Any future communication must strictly comply with 15 USC 1692c ( c ). This letter serves as notice ; preserve all records. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CO

Complaint narrative:
I requested documentation proving the accuracy of the late payments on my XXXX account. They responded with a generic notice and failed to provide a method of verification or any documentation bearing my signature, as required under FCRA 611.

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 2025-08-11 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

* * Demand for Validation & Cease Communication * * Pursuant to 15 USC 1692g, I dispute the referenced debt in its entirety and demand strict validation. * * CEASE ALL COLLECTION ACTIVITY IMMEDIATELY * * per 15 USC 1692c ( c ). 

Your validation must include, per 15 USC 1692g ( b ), 1681i ( a ) ( 5 ), and 1666 ( b ) : 1. * * Proof of Contractual Obligation : * * Signed agreement establishing liability.

2. * * Complete Accounting : * * Itemized principal, interest, fees from {$0.00}.

3. * * Proof of Ownership : * * Documentation proving lawful assignment/purchase.

4. * * License Verification : * * Evidence of collector/licensee compliance in my state.

* * Credit Reporting Demands : * * * If reported, ensure accuracy per 15 USC 1681e ( b ) ( reasonable procedures ).

* Provide all information furnished to CRAs per 1681i ( a ) ( 5 ). 
* * * Immediately suppress * * this disputed information from all consumer reports pending validation. 

* * Privacy Demands : * * * * * Cease all non-public personal information ( NPI ) disclosure * * related to this disputed account per GLBA ( 15 USC 6801, 6802 ), except as expressly permitted by law. 

* * Failure to validate voids the debt. * * Continued collection, reporting, or XXXX disclosure without validation violates : * FDCPA : 15 USC 1692g ( b ) ( continued collection ), 1692c ( c ) ( communication ), 1692e ( false/misleading representations ). 
* FCRA : 15 USC 1681e ( b ) ( accuracy ), 1681i ( a ) ( 5 ) ( furnisher investigation ).

* GLBA : 15 USC 6802 ( privacy ).

* TILA : 15 USC 1666 ( b ) ( billing error procedures ). 

Send validation within 30 days. * * Confirm in writing that all collection efforts and credit reporting have ceased. * * Any future communication must strictly comply with 15 USC 1692c ( c ). This letter serves as notice ; preserve all records. 

Sincerely, 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