vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 complaint because multiple fraudulent accounts, late payment records, a collection, and unauthorized XXXX inquiries were added to my credit report as a result of identity theft. 
I filed an official FTC Identity Theft Report ( FTC Report Number : XXXX ), which is attached along with my ID, XXXX, proof of address, and complete credit reports. 

Under 15 U.S.C. 1681c-2, the credit bureaus are required to block all identity-theft-related information within XXXX business days once the identity theft report is submitted. 

The following items are fraudulent and must be blocked and removed : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Accounts ( Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXX XXXX XXXX ) Unauthorized XXXX inquiries from XXXX ( XX/XX/year> ) and XXXX  XXXX  ( XX/XX/year> )XXXX XXXX XXXX  These items were not opened or authorized by me and are harming my ability to obtain credit. I have provided all required documentation, and I am requesting immediate blocking and deletion as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
Dear Sir/Madam, I am submitting a dispute regarding the following accounts on my credit report with Experian : Charged Off : XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXXXXXX 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 Late Payment : 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 2025-11-17 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:
I have never had any late payments with XXXX. 
My XXXX store card was closed by the creditor due to inactivity recently, and XXXX used that as justification to reduce my limits. This was not a negative action on my part. 

These reductions happened while I maintain perfect payment history, and excellent long-term credit behavior. 

XXXX did not give me prior notice, adequate explanation, or a chance to provide documentation before taking adverse action. 
This limit reduction impacted my credit utilization and caused an unnecessary score decrease. 

I am asking for : A full review of their credit-limit decrease decision Reinstatement of my original credit limits Documentation of how they determined the adverse action This action feels arbitrary, unfair, and harmful given my perfect payment history. I am requesting the CFPBs assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX/DOFED Date Opened : XX/XX/XXXX XXXX/DOFED Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter.

I can be reached at the contact information above if further clarification is needed. 

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 2025-11-17 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: NY

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my 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 2025-11-17 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:
Dear Sir/Madam, I am submitting this dispute regarding the accounts listed below, as I believe the reported information is inaccurate or incomplete. Please investigate and correct the errors in my credit file : Charged Off Accounts : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$510.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$200.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$2300.00} Inquiries : XXXXXXXX XXXX - Date XXXX XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX Late Payment XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am requesting a review of my TransUnion credit report to correct inaccurate information. The accounts listed below do not reflect my accurate credit history and should be verified and corrected : Charged Off Accounts : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$510.00} Inquiries : XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX XXXX XXXX I request that any unverifiable or inaccurate information be corrected or removed in compliance with the FCRA. Please notify me in writing with the results of your investigation.

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 2025-11-17 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: MO

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am writing to dispute certain items on my credit report. I have identified inaccurate, incomplete, or unverifiable information on my reports from XXXX, Experian, and XXXX. I am requesting a full investigation and correction or removal of any inaccurate items. 

CHARGED OFF No accounts currently listed for dispute. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX EXPERIAN XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Issue : I do not recognize these inquiries and did not authorize them. 

Requested Action : Please remove all unauthorized or unverifiable inquiries. 

POSITIVE No disputes at this time. 

LATE PAYMENT XXXX XXXX, XXXX Issue : This late payment is inaccurate. I request verification and correction/removal if 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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Complaint Summary : My former employer accidentally deposited funds I believed were my retirement payout. Without any warning to me, the employer reversed the entire amount, causing my PNC account to fall over {$3400.00} into the negative. I acted in good faith and believed the funds were mine based on what I was told at the time of my resignation. 
I contacted PNC immediately to request assistance, a courtesy adjustment, or a negative-balance review due to this being an employer error and a severe financial hardship. The representatives refused to provide any assistance, denied escalation above a call-center supervisor, and stated the account will stay as is, even though the situation was caused by a third party and is out of my control. 
I am requesting : A review by PNC corporate Reversal of overdraft fees Courtesy adjustments or partial negative-balance forgiveness A good-faith restoration of the account PNCs refusal to escalate or offer any assistance has left me with a severe negative balance through no fault of my own. I am requesting CFPB assistance so the bank can properly evaluate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/25 Opening an account was stopped or delayed

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 2025-11-17 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:
Make sure that contested accounts are removed within the legal window.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX has reported an unverified collection account on my credit file. The account, originating from XXXX BANK with account number XXXX  and opened on XX/XX/year>, was reported without my authorization and should be immediately deleted. Upon reviewing my credit report, I found this collection account, but I have not received any proper validation or documentation for this debt. They have not provided a signed agreement, a breakdown of the amount owed, or any proof that they have the legal right to collect this debt. This failure to validate the debt violates 12 CFR 1006.34 ( b ) ( 5 ), which requires debt collectors to validate debts when a consumer requests it. Furthermore, they violated 12 CFR 1006.34 ( c ) ( 4 ) ( i ) by failing to give me an opportunity to dispute the debt before reporting it. Despite the complete lack of validation, they proceeded to report this account to the credit bureaus, which is a violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), as it is illegal to furnish information without proper disclosures and an opportunity to dispute. They also violated 15 U.S.C. 1681b by reporting this account without a permissible purpose. This action has caused unnecessary damage to my credit, created financial stress, and harmed my reputation. I am requesting that the CFPB step in and ensure XXXX XXXX XXXX  provides proper validation of this debt, including a signed agreement, proof of the original creditor, and evidence of their legal right to collect. If they fail to provide this validation, I demand that this account be deleted from all consumer reporting agencies immediately. If this issue is not resolved, I will pursue legal action for willful and negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o. These violations are serious, and I expect swift action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX 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

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 2025-11-17 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX * * * * * * * * * * * * - Balance : {$230.00} - Date Opened : XX/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