vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: OH

Complaint narrative:
I am a victim of identity theft. My personal information was exposed in a data breach, and as a result, several fraudulent accounts and inquiries appeared on my credit reports without my knowledge or consent. 

I did not open these accounts, authorize any of these inquiries, or benefit from them in any way. Upon discovering the activity, I filed official Identity Theft Reports with the Federal Trade Commission on [ XX/XX/year> of FTC reports ]. I also contacted the credit reporting agencies to dispute the fraudulent accounts and requested that all information related to them be blocked and permanently removed. 

Despite my disputes and formal requests, some of the fraudulent accounts and inquiries remain on my reports. I am requesting that the companies involved investigate the situation thoroughly and take immediate corrective action to remove all unauthorized information and prevent any further reporting of these fraudulent accounts.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I have had the worst experience with Concora Credit. Specifically indigo mastercard. From a rejected payment with no notification to withholding funds ive paid over XXXX weeks ago. I simply asked them for a statement proving I paid it since they dont do rapid re-scores. I also have a missed payment on my credit report because they refunded me my payment and denied it. Honestly not even to sure I got that money back. But my biggest issue is that when I pay my credit card it feels wrong to sit and check it everyday to see if I can use it and it still wont let me like its locked. Also when I make a payment and then plan the rest of my money out assuming after XXXX week and it says payment posted that they have charged the bank but randomly XXXX weeks later I get my charge overdrawing my account because I have moved my money to a savings and then now I get overdraft charged. Its so ridiculous and the customer support is no help they are the only people who has not offered me to speak with a XXXX when the customer was not satisfied. Horrible support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: SC

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: PR

Complaint narrative:
Date : XX/XX/year> To : Northstar Location Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number ending in XXXX To Whom It May Concern, I am writing to you in response to your recent communication regarding the alleged debt mentioned above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide me with validation of this debt.

I dispute this debt in its entirety. Please provide the following information so that I may verify the accuracy of your claim : Proof of Legal Authority : Documentation showing that you are legally authorized to collect this debt in my state. 

Chain of Title : A complete list of all previous owners of this debt, including the original creditor. 

Account Records : A copy of the original signed contract or agreement that created this debt, along with a full itemized statement of the alleged balance, including all interest, fees, and payments made. 

Statute of Limitations : Documentation proving that this debt is within the statute of limitations for legal collection in my jurisdiction.

Notice of Limited Cease and Desist Furthermore, under 15 U.S.C. 1692c, I am exercising my right to restrict the manner in which you contact me. Cease and desist all communication regarding this matter, whether to my home, my cellular phone, or my place of employment. 

All future communication regarding this account must be sent to me exclusively in writing via the U.S. Postal Service at the address listed below.

Be advised that if you fail to provide the requested validation within 30 days but continue collection effortsor if you violate this cease and desist notice by calling XXXX will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
My father in law passed away the life insurance policy was set up through XXXX XXXX XXXX XXXX XXXX XXXX account payable through the XXXX  of XXXX XXXX XXXXXXXX XXXX PA .. my wife was given checks to write for dispursing monies. What was left to me was XXXX $ she wrote me a check i used my mobile deposit thru pnc and it was over the daily limit on XX/XX/year>. So she tore it up and wrote me a XXXX $ and a XXXX $ check i deposited the XXXX thru the mobile app on XXXX i wasnt abllowed to deposit the other check till the next day which i did with no issues .on XXXX .i received a text message on XX/XX/year> saying my deposits were being held and it would be 5 days before funds were available. I called the bank no answer i sent a message thru the mobile app. Asking what gives. A few hours later i received a response that their fraud dept put a hold on the two checks and funds wouldnt be available for no less than 7 days and or XX/XX/year>.. i asked if the checks were verified thru checks service with no answer. I have had over XXXX in my accounts deposited XXXX on a few instances and have never had a insufficient funds charge ever and ive been a customer for over 3 years. Now im broke for XXXX  for no reason. I could have cashed these at XXXX XXXX XXXX $ but my own bank holds them for now XXXX .. my wife was able to see the funds on hold from the life insurance bank so pnc has received the money they are just sitting on it till the end of the year at my expense .. pnc also violated the deposit availability act by not releasing any of the funds at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I am filing this complaint due to ongoing inaccurate credit reporting that has not been corrected despite multiple formal disputes submitted to the credit reporting agencies. This is my third dispute attempt. The inaccuracies remain, demonstrating a failure to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
INCORRECT ADDRESS NOT MINE XXXX XXXX XXXX XXXX XXXX, PA XXXX This address does not belong to me. I have no knowledge of this address and have never resided at this location. Reporting an incorrect address violates 15 U.S.C. 1681e ( b ) and 1681c. This address must be deleted from my credit file immediately. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reported Issue : Late Payment This account is inaccurately reported. I did not make any late payments on this account. Reporting late payments that did not occur violates 15 U.S.C. 1681s-2 ( a ) and 1681e ( b ). The payment history is inaccurate and must be corrected to reflect a perfect, on-time payment history. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reported Issue : Late Payment This late payment reporting is inaccurate. I have never made a late payment on this account. Continuing to report incorrect payment history after dispute demonstrates a failure to ensure maximum possible accuracy under the Fair Credit Reporting Act. Immediate correction of the payment history is required. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reported Issue : Late Payment This account is also being reported inaccurately. No late payments occurred. This information is false, misleading, and harmful. Under 15 U.S.C. 1681i, you are required to correct or delete unverifiable and inaccurate information. 
UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX BANK XXXX  Inquiry Date : XX/XX/XXXX I did not authorize these credit inquiries. Any inquiry made without my permissible purpose violates 15 U.S.C. 1681b. These inquiries must be removed unless you can provide proper documentation showing my written authorization. 
Despite multiple disputes, these errors remain on my credit report. My attempts to resolve these issues directly have been unsuccessful. I am requesting CFPB assistance to ensure compliance with federal law and to require correction or deletion of the inaccurate information listed above. 
I respectfully request that CFPB investigate this matter and require the credit reporting agencies and furnishers involved to fully comply with the Fair Credit Reporting Act.

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 2025-12-24 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading information currently reported on my accounts, including incorrect addresses and charge-off balances that do not reflect accurate or verifiable data. Specifically, addresses associated with my accounts, including 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 are reported inaccurately as of XX/XX/XXXX, leading to potential confusion and misrepresentation of my credit file. Additionally, several charge-off accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1000.00}, contain inaccuracies in reported balances or account status that require verification. The inclusion of the XXXX  XXXX account dated XX/XX/XXXX is also under dispute due to inconsistencies in reporting. These errors collectively compromise the accuracy of my credit file and may negatively affect my financial opportunities.

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 2025-12-24 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-24 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:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
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! 


INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: PA

Complaint narrative:
so on XX/XX/scrub>XXXX XXXX XXXX my son XXXX XXXX, purchased a PLAYCARD at XXXX XXXX in XXXX, Pa. 
he then tried to use the card online, but it didn't work! we than went to XXXX XXXX where he purchased it, and they said they couldn't help us with it. i tried calling and emailing XXXX XXXX main line, and the same with PLAYCARD. i haven't been able to get any one on the phone or respond to me! very Frustrating my name is XXXX XXXX, XXXX Thank you

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 2025-12-24 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-24 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I asked them to remove accounts because they was not me and they took over the medical collections fraudulently and it intefrerd with me getting a house messing up crdir scores and they rude about it and never responded

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 2025-12-24 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: NC

Complaint narrative:
ADDITIONAL EXPERAIN, EQUIFAX, TRANSUNION FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$50000.00}, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$10000.00}, XXXX XXXX  ( XXXX ) XX/XX/XXXX, {$4800.00}, XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$3400.00}, XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$200.00}, XXXX  XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$440.00}, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$620.00}, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$310.00}, XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX ; {$560.00} I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 604 & amp ; 605B, inquiries made without authorization must be deleted immediately. Once an FTC Identity Theft Report is filed, the following laws require deletion, not investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) requires blocking of all fraudulent accounts within 4 business days. Verification is NOT permitted. FCRA 611 ( a ) Requires a reasonable investigation - not automated ; verified & responses. FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results. FCRA 602A Consumers have the right to fair and accurate reporting. FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy. FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose - these did not. FCRA 1681n & amp ; 1681o Liability for negligent or willful violations of consumer rights. 18 U.S.C. 1028 Identity Theft & amp ; Assumption Deterrence Act illegal to use another person 's data. 12 U.S.C. 5531 CFPB authority to intervene and enforce compliance. Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
ADDITIONAL EXPERAIN, EQUIFAX, TRANSUNION FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$50000.00}, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$10000.00}, XXXX XXXX  ( XXXX ) XX/XX/XXXX, {$4800.00}, XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$3400.00}, XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$200.00}, XXXX  XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$440.00}, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$620.00}, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$310.00}, XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX ; {$560.00} I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 604 & amp ; 605B, inquiries made without authorization must be deleted immediately. Once an FTC Identity Theft Report is filed, the following laws require deletion, not investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) requires blocking of all fraudulent accounts within 4 business days. Verification is NOT permitted. FCRA 611 ( a ) Requires a reasonable investigation - not automated ; verified & responses. FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results. FCRA 602A Consumers have the right to fair and accurate reporting. FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy. FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose - these did not. FCRA 1681n & amp ; 1681o Liability for negligent or willful violations of consumer rights. 18 U.S.C. 1028 Identity Theft & amp ; Assumption Deterrence Act illegal to use another person 's data. 12 U.S.C. 5531 CFPB authority to intervene and enforce compliance. Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

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