vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX will not stop calling me regarding a debt they purchased that was discharged in bankruptcy in XXXX. They use threatening language and tone to try and break my confidence in my records, even though I have every ounce of proof that this debt was discharged in XXXX. They try and make me feel stupid saying things like " don't you know that's public record '' even though they don't know how to look up anything on public record because if they did, they wouldn't be calling me by an old name and using my address on file from 15 years ago. This is just one of many companies they claim to be. Or the companies keep " reselling '' the debt and the new company starts over. I have stated time and time again that it's not a valid debt, but they persist, and get even more aggressive in their communication. I block every number that comes through, but they never call from the same number. The most recent phone number they called from was XXXX which is a XXXX area code, however when I asked for their address to send them a letter, they gave me XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX and they specifically left out the XXXX XXXX so that my mail would be returned, as their address is actually XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. They have not sent any letters to me via certified mail or otherwise, and threaten that the sheriff is coming to my house to arrest me and that I am involved in a legal filing against me and must pay or they will send their confirmation to the sheriffs office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXX XXXX and Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is the mailing address The total balance is {$2600.00} RE : Final Notice of Dispute Suspected Fraudulent Account To Whom It May Concern, I am writing to formally reiterate my dispute of an alleged debt that you claim is associated with me. I do not recognize this account, and I have strong reason to believe that it is the result of fraud or identity theft.

I have made multiple good-faith attempts to obtain the full account number, original documents, and any proof linking me to this debt, especially a certified letter to all 3 credit bureaus to show my signature. Your refusal to provide basic identifying information is not only unacceptableit is actively preventing me from disputing this matter and moving forward with any legal or consumer protection remedies.

There is no signature and they have not allowed me to do what I need to do I have taken the following actions to protect myself : Filed a police report with my local law enforcement Submitted an Identity Theft Affidavit to the Federal Trade Commission Contacted all three major credit bureaus, requesting an investigation and to produce any records bearing my signature within XXXX days As of now, your continued refusal to provide the full account number or any signed documentation is obstructing a lawful investigation. You are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by failing to validate the debt and continuing collection efforts without evidence.

I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will also report this matter to the Office of the Comptroller of the Currency ( OCC ), which regulates XXXX XXXX

If I do not receive full validation, including the complete account number and original signed documentation, within XXXX  days, I will pursue all available legal remedies.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
PORTFOLIO Recovery Associates and XXXX Portfolio Recovery associates XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is the mailing address The total balance is {$2600.00} RE : Final Notice of Dispute Suspected Fraudulent Account To Whom It May Concern, I am writing to formally reiterate my dispute of an alleged debt that you claim is associated with me. I do not recognize this account, and I have strong reason to believe that it is the result of fraud or identity theft. 

I have made multiple good-faith attempts to obtain the full account number, original documents, and any proof linking me to this debt, especially a certified letter to all XXXX credit bureaus to show my signature. Your refusal to provide basic identifying information is not only unacceptableit is actively preventing me from disputing this matter and moving forward with any legal or consumer protection remedies. 
There is no signature and they have not allowed me to do what I need to do I have taken the following actions to protect myself : Filed a police report with my local law enforcement Submitted an Identity Theft Affidavit to the Federal Trade Commission Contacted all three major credit bureaus, requesting an investigation and to produce any records bearing my signature within 30 days As of now, your continued refusal to provide the full account number or any signed documentation is obstructing a lawful investigation. You are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by failing to validate the debt and continuing collection efforts without evidence. 

I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will also report this matter to the Office of the Comptroller of the Currency ( XXXX ), which regulates XXXX XXXX 

If I do not receive full validation, including the complete account number and original signed documentation, within XXXX days, I will pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CO

Complaint narrative:
Im reaching out because theres a fraudulent inquiry on my credit report that I did not authorize or initiate. It was done online, without my knowledge or consent.

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 2025-05-02 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
To : TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Immediate Deletion of Inaccurate and Unverified Information FCRA Compliance To Whom It May Concern, This letter is a formal notice and request under the Fair Credit Reporting Act ( FCRA ) to all three major credit reporting agenciesTransUnion, Equifax, and Experianto immediately investigate and remove multiple items on my credit report that are inaccurate, unverifiable, or misrepresented. Pursuant to 15 U.S. Code 1681e ( b ), 1681i, and 1681c-2, credit bureaus are required to maintain maximum accuracy and correct or delete any data that is not verified or is reported in error. 

1. XXXX XXXX Account Reporting Late Payments I have never been late on this account. Any late payment data reported is false and damaging. Please conduct an immediate reinvestigation. If the furnishers can not provide documented evidence of delinquency, the derogatory remarks must be deleted under 15 U.S. Code 1681i ( a ). 

2. XXXX XXXX Misclassified Credit Card Account This account has never been late and is incorrectly categorized under the credit card section. This misreporting is misleading and violates 1681e ( b ). I demand it be corrected or removed. 

3. XXXX XXXX Incorrect Classification and Reporting This account, inaccurately listed under my credit card section, has never had a late payment. Please update or remove it to ensure compliance with 15 U.S. Code 1681e ( b ) and 1681i ( a ). 

4. XXXX XXXX  Unauthorized Hard Inquiry I never authorized, applied for, or interacted with this company. This inquiry is unauthorized. Under 15 U.S. Code 1681c-2 ( a ), I demand this hard inquiry be deleted from my credit file as it is not based on my consent. 

5. XXXX False and Fraudulent Account This is not my account. It has already been removed from TransUnion and Equifax and must now be removed from Experian as well. It was never opened by me and must be permanently deleted under 1681i. 

6. XXXX Inaccurate Late Payments I have never missed a payment with XXXX. Any reported lates are factually incorrect and violate FCRAs accuracy standards. Under 15 U.S. Code 1681i ( a ), please delete any negative or late payment history. 



Please consider this letter as a formal dispute. I expect each agency to conduct a full reinvestigation within the 30 days provided by law. If these accounts or inquiries can not be verified with full and proper documentation from the furnishers, they must be permanently deleted. 

I request confirmation in writing from TransUnion, Equifax, and Experian once the requested actions have been completed. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MI

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 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
Equifax is currently reporting charge-off entries for both XXXX ( XXXX ) and XXXX  ( XXXX ), again with {$0.00} balances. This is yet another example of Equifax retaining derogatory status on accounts that are not only resolved but are being mischaracterized in a way that damages my credit profile. By continuing to associate zero-balance accounts with charge-off designations, Equifax is in violation of 15 USC 1681e ( b ), which mandates consumer reporting agencies to maintain accurate and fair reporting. Its particularly concerning that these discrepancies appear across multiple bureaus, suggesting the root of the issue is more than just clericalit points to a broader data breach or systemic failure in data validation protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX - Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2025-05-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
TransUnion is inaccurately reporting a closed account from XXXX XXXX XXXX ) with both a past-due status and a balance of {$0.00}. This is entirely illogical. If the balance is XXXX and the account is closed, there is no valid reason for any past-due reporting to persist. This is not only misleading but violates the accuracy provisions of 15 USC 1681e ( b ). This outdated and erroneous entry has continued to reflect negatively on my credit profile despite the resolution of the account. These types of issues often stem from compromised data systems or breaches that allow incorrect and unverified data to persist.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute a transaction that was charged to my [ bank account/debit card/credit card ] on XXXX in the amount of {$2000.00} and {$100.00}, which was used to fund a Bitcoin transaction through XXXX XXXX. This transaction was made under false pretenses as I was the victim of a scam. 

I did not authorize the transfer of these funds for the purpose of sending XXXX to a fraudulent party. The funds were sent based on deception, and I request that this charge be reversed and that a full investigation be conducted under Regulation E. 

Transaction Details : - Date : XXXX - Amount : {$2000.00} {$100.00} - Merchant : XXXX XXXX XXXX XXXX XXXX 

I have already reported this incident to Cash App, and I am in the process of filing a report with the FTC and IC3. Attached are screenshots and other evidence of the scam.

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 2025-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
I would also like to highlight a significant issue with the collection agency, Hunter Warfield, regarding a misrepresentation of my identity. They referred to me as her throughout their communications, which indicates that they mistakenly confused me with my ex-partner, who was the female tenant listed on the apartment lease. The debt in question is related to an apartment we shared, but the account should not be associated with me. This misidentification is not only factually incorrect but also shows a lack of attention to detail and raises concerns about the accuracy of their records and the validity of their collection practices. I request that this misrepresentation be corrected, and that they cease associating this debt with my name in future communications or credit reporting.

Company response to consumer: Closed with non-monetary relief