vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: NJ

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or authorization. These include accounts reported by XXXX and XXXX XXXX XXXX ( original creditor listed as 12 My Place Rewards ). These accounts were reported as derogatory and in collection status, even though I never applied for them, never received credit, and never authorized their use. 
In addition, there are unauthorized hard inquiries on my credit report, including : XXXXXXXX XXXX XXXX  XX/XX/year> ( Experian ) XXXX XXXX  XX/XX/year> ( Experian ) XXXX XXXX  XX/XX/year> ( Experian ) XXXX XXXX  XX/XX/year> ( TransUnion ) These inquiries were made without my permission and are damaging my credit. 
This situation is causing me severe personal and financial harm. I want to buy a home for my family, but these fraudulent accounts are preventing me from moving forward. My life has been deeply affected, and the stress from this problem is overwhelming.

I am requesting that the credit reporting agencies comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), specifically : 1681c-2 requiring consumer reporting agencies to block information resulting from identity theft, 1681i requiring reinvestigation and removal of inaccurate or unverifiable information within 30 days, and 1681e ( b ) requiring maximum possible accuracy in consumer reports.

These fraudulent accounts and inquiries must be blocked and removed from my credit reports, and I request that corrected credit reports be issued to me.

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 2025-09-22 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: GA

Complaint narrative:
I am disputing multiple inaccurate, incomplete, and misleading entries in my XXXX  file dated XX/XX/XXXX. 
Defects : XXXX. XXXX XXXX  ( Acct : XXXX ) Reported Open / Current with {$4000.00} balance, while XXXX  shows Paid / Closed.

o Violation : FCRA 607 ( b ) ; Metro 2 Field 17B ( Status ). 
2. XXXX ( Acct : XXXX ) Shows Open / Current but closed in XXXX. 
o Violation : FCRA 607 ( b ) ; Metro 2 Field 17B. 
3. XXXX ( Acct : XXXX ) XXXX XXXX Closed by grantor, XXXX reports Closed due to inactivity, XXXX  shows Closed or paid. 
o Violation : FCRA 607 ( b ) ; Metro 2 Field 11 ( Closure Code ).

4. XXXXXXXX XXXX XXXX ( Acct : XXXX / XXXX ) XXXX  shows Open/ Terminated, but XXXX & XXXX omit. Suppression misleads lenders. 
5. XXXX XXXX XXXXXXXX ( Acct : ending XXXX ) XXXX  shows XXXX / Current, XXXX shows lates and conflicting {$0.00} balance. 
XXXX. XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) reported ; no permissible purpose provided. 
o Violation : FCRA 604.

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 2025-09-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX  XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX of XXXX  a letter was sent to me about a safety deposit box that I have with Truist at the XXXX XXXX NC XXXX. It was saying that {$100.00} will be the new deposit fee for the box I have and that it will be drafted automatically and that there is nothing else I need to do about that. 

In XX/XX/2025 another letter was sent saying that the money for the box have not been paid yet and that the box will be drilled by a certain day. 

I went to the bank and paid the box but I requested from them as to why they didn't draft the money when they sent a letter that they will and that no further action was to be made by me. 

They charged me {$10.00} late fees and {$50.00} extra for fees from the previous year which I don't have proof of by them. I would like my {$60.00} back because those are fees and charges that I don't have bills for plus the box was supposed to be on auto pay all that time.

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 2025-09-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccuracies. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fair and accurate. I am requesting a thorough investigation of these accounts, and if they can not be properly verified, they must be deleted.

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 2025-09-22 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reas
onable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reas
onable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
PHH is charging an inappropriate amount for escrow PHH is misapplying my payments PHH is unable to communicate with me due to language issues PHH has not responded to written certified mail request delivered by certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/2025 Portfolio Recovery Associates , LLC XXXX : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Subject : Final Demand for Deletion of Erroneous Account and Statutory Damages Re : Alleged XXXX XXXXXXXX Account Acct. No : XXXX To Whom It May Concern : This letter serves as my final notice before legal action against Portfolio Recovery Associates , LLC ( PRA ) regarding the alleged XXXX  XXXX account you are reporting in my name. 



Basis of Dispute XXXX. No Proof of Ownership Provided In response to my validation requests, you provided only a single XXXX XXXX billing statement. 
This does not constitute legal proof of ownership, nor does it establish that the alleged debt belongs to me. 
No signed contract, chain of assignment, or documentation granting your company legal authority to collect was ever provided. 

XXXX. Erroneous Address & Identity Issues You are reporting an address of XXXX XXXXXXXX XXXX, XXXX, CA XXXX on my XXXX credit file. 
I have never lived at or been associated with this address. 
Even the billing statement you provided lists only a XXXX XXXXXXXX, not my personal residence. 

XXXX. Portfolio Recoverys Own Admission of Wrong Identity In your recent response to my CFPB complaint, you confirmed that this alleged account is tied to a Social Security number ending in XXXX. 
I do not have a Social Security number. I have an Individual Taxpayer Identification Number ( ITIN ). 
This is direct evidence that the account belongs to someone else and that PRA has confused me with another individual. 

XXXX. Repeated Disputes Ignored I have disputed this account with Experian multiple times. 
I have filed complaints through the CFPB, providing proof of my identity and address. 
Despite this, PRA continues to report false and unverified information in violation of the FDCPA and the FCRA. 



Demand for Resolution You now have XXXX calendar days from receipt of this letter to : Permanently delete the erroneous XXXX XXXX account from all credit bureaus, and Pay statutory damages of {$1000.00} for your repeated violations of federal law. 

Failure to comply will leave me no option but to initiate legal proceedings against Portfolio Recovery Associates, seeking actual, statutory, and punitive damages, plus attorneys fees. 



Supporting Documents Attached Portfolio Recoverys own CFPB response showing the SSN ending in XXXX. 
Copy of my ITIN documentation proving I do not have a Social Security number. 
My proof of current address. 



This is your final warning before litigation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation