vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: NM

Complaint narrative:
I am submitting this formal dispute statement to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete credit reporting by the credit bureaus ( XXXX, Experian, and XXXX  ). After reviewing my credit reports, I have identified multiple discrepancies involving charged-off accounts, inquiries, and late payments. I request that these discrepancies be thoroughly investigated, and any errors be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 
Experian ( XXXX ) : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$17000.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$3200.00} XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$6500.00} XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$430.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$140.00} XXXX. Inquiries in Dispute : Experian ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ALLY XXXX  Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Open XXXX XX/XX/XXXX XXXX XXXX Late Payments in Dispute : Experian ( XXXX ) : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
A pay off was sent by the insurance company account should be settled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX. I was a victim of identity theft. There are negative accounts listed on my credit that were opened without my permission. These companies are XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
XXXX- Open date XX/XX/XXXX XXXX-Open XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have sent dispute letters to all three collection agencies Experian, Equifax, and Transunion . I have also contacted these companies with dispute letter, and did not receive any response either. I have not received any response from any of the three collection agencies to resolve the manner. I have been in a very vulnerable state because of this issue because it's very hard for me to open any accounts or get any approvals. This has been an absolute nightmare, and I need assistance with contacting these agencies to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX. I was a victim of identity theft. There are negative accounts listed on my credit that were opened without my permission. These companies are XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
XXXX- Open date XX/XX/XXXX XXXX-Open XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have sent dispute letters to all three collection agencies Experian, Equifax, and Transunion . I have also contacted these companies with dispute letter, and did not receive any response either. I have not received any response from any of the three collection agencies to resolve the manner. I have been in a very vulnerable state because of this issue because it's very hard for me to open any accounts or get any approvals. This has been an absolute nightmare, and I need assistance with contacting these agencies to resolve 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: NC

Complaint narrative:
I am filing a formal complaint against Credit Control , LLC for reporting an inaccurate, unverified, and unvalidated debt to the credit bureaus, causing significant financial harm and violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue On or around XX/XX/year>, I received a collection notice from Credit Control , LLC claiming I owed a debt to XXXX XXXX. I have never held an account with XXXX XXXX and have never received any prior communication from either company regarding this alleged debt. 

To verify the accuracy of this claim, I contacted XXXX XXXX directly and spoke with XXXX an agent, who confirmed that there are no records whatsoever associated with my name, address, phone number, or ZIP code. The agent verified that I have never been their customer. 

Attempts to Resolve I called Credit Control , LLC on XX/XX/year> at XXXX XXXX  and left a voicemail requesting clarification and validation of this alleged debt. I received no response. 

I called again on XX/XX/year> at XXXX XXXX, left another detailed voicemail, and again received no response. 

XXXX, I also mailed a certified debt validation request letter to Credit Control , LLC pursuant to FDCPA 1692g, requesting full validation and verification of the alleged debt.

Legal Concerns Credit Control , LLC is in violation of : FDCPA 15 U.S.C. 1692g ( b ) failure to provide validation of the debt after written request FDCPA 15 U.S.C. 1692e using false, deceptive, or misleading representations FCRA 15 U.S.C. 1681s-2 ( a ) furnishing inaccurate information to consumer reporting agencies FCRA 15 U.S.C. 1681s-2 ( b ) failing to investigate and correct disputed information Harm Caused This unverified and inaccurate collection account has resulted in a XXXX drop in my credit score. This has caused material financial harm, including difficulty qualifying for credit and potential increases in interest rates. 

Requested Action I respectfully request that the CFPB require Credit Control , LLC to : Provide full validation and verification of the alleged debt as required by federal law ; or Immediately delete the collection account from all credit reporting agencies if they can not validate it ; Provide a written explanation of how this unverified debt was assigned to me ; Immediately cease all collection activity until compliance is met. 

I also request confirmation from the CFPB once the matter is resolved. 

Thank you for your assistance in ensuring compliance with federal consumer protection laws. 

Sincerely, 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 2025-11-13 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSO C is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSO C is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Some one hacked my account with my username name and password to validate a large amount of money I was at home asleep when this happened as they can see I did validate from my mobile device but I did not validate for a large transaction to go through for a lab top and they will not send my funds back to my account which is holding up my daily Operation to stay in Business I am gon na seek legal assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-13 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: NY

Complaint narrative:
I am submitting this formal dispute statement to the Consumer Financial Protection Bureau ( CFPB ) to address the inaccurate and incomplete reporting of my credit accounts by the credit bureaus ( XXXX, XXXX, and TransUnion ). After reviewing my credit reports, I have identified multiple discrepancies, including charged-off accounts, late payments, and inquiries that do not accurately reflect my credit history. 
XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$29000.00} XXXX XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3600.00} XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX. Positive Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-13 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: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
In early XXXX, I reviewed my credit reports and discovered several credit inquiries and accounts that I did not authorize. These appeared between XXXX and XX/XX/year>, during a period when I did not apply for any new credit. I did not give permission for my information to be used for these applications. 

Some of these fraudulent accounts reported balances and activity that I did not recognize. Several of the accounts were later marked as delinquent and were ultimately sent to collections, even though I never opened or used these accounts. These collection accounts have negatively impacted my credit and are not related to any legitimate activity by me. 

After discovering the issue, I contacted the credit bureaus to dispute the unauthorized inquiries, the fraudulent accounts, and the collection entries. I also contacted some of the companies and collection agencies involved to inform them that these accounts were not mine and were opened without my authorization. Some companies advised me to file an identity theft report, which is why I am submitting this statement. 

I am requesting that the unauthorized inquiries, fraudulent accounts, and all related collection accounts and negative reporting be investigated and removed from my credit files. I have taken additional steps to secure my personal information and prevent further misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax XXXX XXXX and TransUnion XXXX XXXX, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. 

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-13 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: IL

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax XXXX XXXX and TransUnion XXXX XXXX, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. 

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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