vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: TX

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

1681c2 ) that you, the Experian 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 : XXXXXXXX XXXX I Date : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, XXXX as proof from the XXXX 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 2025-09-01 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: EQUIFAX, INC.
State: GA

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

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This doesn't give an honest view of my financial reputation.

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 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Debt Validation & Representation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute and Request for Validation Account # XXXX To Whom It May Concern : I am contacting you regarding the above-referenced account This is a formal notice that I am dispute the validity of this alleged debt and that I demand proper validation as provided under the Fair Debt collection Practices act ( FDCPA ) ,14 U.S.C.1692g Additionally, I am aware of violation of U.S.C.1692e regarding false , deceptive, or misleading representations in your collection attempt Specifically : -You have represented information about this debt in a manner that is inaccurate and misleading -You have failed to provide clear and complete documentation substantiating your legal right to collect Accordingly, I require the following 1.Proof of the debt -a complete accounting of alleged balance.

2.Original signed contract or agreement showing that i have a legal obligation to pay 3.Proof of assignment/ownership -including chain of title if this account was sold or transferred. 

4.Verification of Licensing and authority proof that United Auto Credit corp is authorized to collect debts in my state ( Florida ) 5.Copies of all communications and records regarding this account Until you provide the above, you must immediately cease all collection activities, including but not limited to : Reporting this debt to any credit bureau. Contacting me by phone or mail pursuing any legal action If you have already reported this debt to the credit reporting agencies, you are required under 15 U.S.C. 1692E ( 8 ) and Fair Credit Reporting Actt ( FCRA ) to mark the account as " in dispute '' failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) the Federal Trade Commission ( FTC ), and the Florida Attorney General 's Office for your Violations of federal law. 

I expect a written response within 30 days of your receipt of this. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-09-01 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: CA

Complaint narrative:
This communication serves as a formal and final demand for the immediate, permanent deletion of the following patently false, fraudulent, and unverified collection account from all credit reporting agencies, including but not limited to Experian, Equifax, and TransUnion : Account Name : XXXX XXXX XXXX Account Number : ( XXXX ) Original Creditor : XXXXXXXX XXXX  ( XXXX ) This account is the subject of a willful and knowing violation of multiple federal statutes. Your continued reporting of this account constitutes a malicious act of willful misconduct and a fraudulent scheme to misrepresent credit information to a federal agency and third parties. 

Your failure to produce a valid, itemized statement, the original signed contract, or a clear chain of custody documentation confirming this alleged debt constitutes a clear and unequivocal violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). This debt is invalid and can not be legally collected.

Furthermore, your continued reporting of this false information after a dispute is a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2 ( b ). This is a deliberate failure to conduct a reasonable investigation into the validity of the disputed information, and it will be treated as such. 

Be advised that continued reporting of this unverified account is a knowing misrepresentation of fact, which is a felony offense under federal law. We are currently preparing to file a criminal referral to the Federal Trade Commission ( FTC ) citing violations of 18 U.S.C. 1001 ( False Statements to Federal Agencies ), 18 U.S.C. 1341 ( Mail Fraud ), 18 U.S.C. 1343 ( Wire Fraud ), and 18 U.S.C. 1014 ( Loan and Credit Application Fraud ). 

This is not a negotiation. It is a direct and non-negotiable demand. We demand complete and permanent DELETION of this account from all credit reporting agencies, not a simple suppression, update, or " dispute '' remark. This account must be expunged from all records as if it never existed. 

Failure to comply with this demand within ten ( 10 ) business days will leave us with no alternative but to immediately initiate civil litigation, file a comprehensive bar complaint against your legal team, and refer this matter to the Federal Trade Commission and the Consumer Financial Protection Bureau for a full investigation into your fraudulent business practices. This is a final ultimatum. Your choice is compliance or litigation

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 2025-09-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I accidentally deposited a couple of checks into my PNC account that had already been deposited in the past, thinking they were checks I had previously misplaced. I realized the mistake quickly and immediately called PNC that same day. I explained the situation, asked them to cancel the checks, and was reassured by both a representative and the fraud department that the checks would be flagged and " everything would be fine ''. I thought nothing of it due to the strong reassurance I was given. 

Fast forward to XX/XX/year>, when I discovered my account was frozen without notice. I only realized this after one of my credit cards declined several times stating not enough funds were in my bank account. I called PNC and was told my account was on hold and pending investigation, but no other details were given, even after requesting more information. When expressing my concerns about how I was never informed of the freeze, I was also told that they were under no obligation to have informed me about it. 

Despite numerous calls ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have received no clear explanation, no timeline, and no access to my funds. The first few phone calls were especially frustrating, with no direction at all on who to reach out to for further assistance. 

This is my only bank account, and as a teacher who receives all of my summer salary in XXXX, I have been left without any money. I requested at least partial funds to cover essentials like my mortgage and utilities, but was denied. As a result, I have missed credit card payments, my credit score has dropped, and I have had to rely on my credit card and temporary help from my sister just to cover groceries and mortgage bills. My sister will not be able to help me another month. I had excellent financial standing in the past, and this situation has threatened all of that including my credit score.

Adding to the hardship, after the freeze had already been placed ( without my knowledge ), PNC still allowed me to deposit a reimbursement check from a friend of over {$700.00}. That money was immediately frozen, and PNC later refused to release it when I requested access to at least partial funds. I do not believe it was fair for PNC to accept deposits into a frozen account without notifying me of the freeze beforehand, only to freeze those funds as well. 

PNC told me the case may not be resolved until XX/XX/year>, which means XXXX months without access to my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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.

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 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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.

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 2025-09-02 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: AL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: DISCOVER BANK
State: OR

Complaint narrative:
I am a victim of identity theft. There is a fraudulent account that does not belong to me appearing on my credit reports. 

Details of the fraudulent account : Creditor : DISCOVERBANK Account Number ( partial ) : XXXX Date Opened : XX/XX/year> Current Balance : {$14000.00} Reported by : XXXX  and XXXX  I have never applied for, authorized, signed, or used this account in any way. I already filed disputes with both XXXX  and XXXX, but the account remains on my report. 

I have completed an FTC Identity Theft Report and signed/notarized an Affidavit of Identity Theft, which I can provide upon request. 

This fraudulent account is damaging my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ), including 1681c-2 ( blocking information resulting from identity theft ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report is inaccurately reporting a bankruptcy that was dismissed and never discharged. The entry is misleading and damaging because it suggests I went through bankruptcy when in fact the case was dismissed by the court. Under the FCRA ( 15 U.S.C. 1681e ( b ) and 1681i ), credit reporting agencies must ensure that information is accurate and verifiable. Since the bankruptcy was dismissed, it should not be reported as an active or completed bankruptcy. I am requesting that this entry be deleted immediately as it is inaccurate, incomplete, and can not be verified as a valid public record.

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 2025-09-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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