vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XXXX XXXX, I received a separation letter from PNC Bank in the mail that exposed my full Social Security Number without any cover or protection. This creates a serious privacy and security risk, as my SSN could be seen if the mail was misdelivered or opened by someone else. I immediately secured the letter and documented the issue. I am requesting that PNC provide a formal response and offer identity theft protection or credit monitoring to address the risk caused by this mishandling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
b"Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report: \nXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX/XXXX\nXXXX XXXX XXXX XXXX  Balance: $XXXX       \nXXXX XXXX XXXX XXXX Balance: $XXXX\nXXXX XXXX Balance: $XXXX\nXXXX XXXX XXXX XXXX Balance: $XXXX\nXXXX XXXX XXXX XXXX Balance: $XXXX\nXXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX*\tBalance:\t$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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Deletion of Inaccurate Address Information from Credit Report Dear TransUnion Dispute Department XXXX I am writing to formally dispute and request the removal of the following inaccurate addresses that are currently appearing on my credit report. These addresses do not belong to me and should not be associated with my credit history : XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX These entries are inaccurate and may negatively affect my credit profile. I respectfully request that TransUnion conduct an investigation pursuant to the Fair Credit Reporting Act ( XXXX  ) and remove these incorrect addresses from my credit report. 


Please confirm in writing once these items have been removed, and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-08-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was a victim of identity theft and this item reporting on my credit report was not authorized by me.l am demanding removal of This inquiry immediately. I never gave them a written consent to pull my credit I am kindly asking that this item reporting on my credit report be removed immediately Inquiry : 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 2025-08-04 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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
Consumer complaint received 2025-08-04 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts & hard inquiries on my credit report. I am a verified victim of the 2017 Equifax Data Breach, and as a result, my personal information has been compromised and used fraudulently to open accounts without my authorization

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
On XX/XX/year>, I disputed an account reported by Rent Recovery Solutions through the credit bureaus. My dispute explained that the account was inaccurately reported due to a medically documented auto accident that left me unable to work, and I requested that it be investigated in compliance with the Fair Credit Reporting Act ( FCRA ). 

In my follow-up communication, I specifically requested : Deletion of the account from all credit reporting agencies. 

Written confirmation of deletion. 

Copies of all documents relied upon to verify the account. 

Rent Recovery Solutions responded by incorrectly stating that I reported this account as an identity theft matter, which I never claimed. They did not address the actual substance of my dispute, failed to provide the requested verification documents, and did not provide confirmation of deletion. 

By mischaracterizing my dispute, Rent Recovery Solutions failed to conduct a reasonable investigation as required under FCRA 1681s-2 ( b ). The account remains on my credit report without proper verification and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate information and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company has failed to send me any of the information I requested even with my other complaint they never sent verification of the debt, the ORIGINAL Contract bearing my signature and explanation of the amount and how it was calculated.

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 2025-08-04 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate information and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company has failed to send me any of the information I requested even with my other complaint they never sent verification of the debt, the ORIGINAL Contract bearing my signature and explanation of the amount and how it was calculated.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sezzle Inc.
State: GA

Complaint narrative:
Sezzle, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Formal Notice of Dispute and Debt Validation Request for Alleged Accounts XXXX To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with the above-referenced account number. I assert that this debt is the result of fraud and does not belong to me. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and guidance set forth by the Consumer Financial Protection Bureau ( CFPB ) to demand comprehensive debt validation and investigation.

Under 15 U.S.C. 1692g ( b ), once a debt is disputed in writing within 30 days, the debt collector must cease all collection activities until verification of the debt is provided. Additionally, per CFPB Regulation F, a debt collector must provide all relevant documentation necessary to substantiate the validity of the debt when it is disputed. 

Accordingly, I am demanding that the following must be provided to validate this alleged debt : Flow Agreement detailing the chain of title and any servicing rights transfers.

Transfer of Assignment documentation of legal assignment or ownership from the original creditor to Sezzle.

Bill of Sale including specific details identifying this alleged debt and proving the account was sold and legally transferred.

The Original Contract including a hard copy bearing my original, handwritten signature ( not electronic or typed ). 

Confirmation of whether this account has been securitized, and if so, full disclosure of the related securitization documents and investor trust details. 

If you are unable to produce each of the above items within 30 calendar days of receipt of this letter, I demand that : All collection efforts related to this account immediately cease, No negative reporting be made to any consumer reporting agencies, Any existing derogatory marks related to this account be deleted from all consumer credit files.

Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for further investigation into potential violations of federal and state consumer protection laws. 

Please consider this letter an ongoing notice of dispute. Do not attempt to contact me via phone. All further communication regarding this matter must be in writing only. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I recently reviewed my credit report and discovered an account that I believe is inaccurate, incomplete, or not verifiable. The account in question is : - Creditor/Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX - Issue : This account is inaccurately reported. 

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute any item on my credit report that I believe is inaccurate. Both the credit reporting agency and the furnisher of this information are required by law to conduct a reasonable investigation and respond to my dispute within 30 days.

I have already attempted to resolve this matter directly with the credit bureau and/or the furnisher, but I have not received a satisfactory response or resolution.

I respectfully request that the Consumer Financial Protection Bureau : 1. Open an investigation into this matter.

2. Ensure that the credit reporting agency and XXXX XXXX XXXX conduct a reasonable reinvestigation. 
XXXX. Remove or correct this inaccurate or unverifiable information as required under FCRA. 

Attached to this submission : - A copy of my government-issued ID Please confirm receipt of this dispute and inform me of the outcome of your investigation. Thank you for your attention to this matter and for helping protect the accuracy and integrity of consumer credit reporting. 

Sincerely, 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 explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I recently reviewed my credit report and discovered an account that I believe is inaccurate, incomplete, or not verifiable. The account in question is : - Creditor/Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX - Issue : This account is inaccurately reported. 

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute any item on my credit report that I believe is inaccurate. Both the credit reporting agency and the furnisher of this information are required by law to conduct a reasonable investigation and respond to my dispute within 30 days.

I have already attempted to resolve this matter directly with the credit bureau and/or the furnisher, but I have not received a satisfactory response or resolution.

I respectfully request that the Consumer Financial Protection Bureau : 1. Open an investigation into this matter.

2. Ensure that the credit reporting agency and XXXX XXXX XXXX conduct a reasonable reinvestigation. 
XXXX. Remove or correct this inaccurate or unverifiable information as required under FCRA. 

Attached to this submission : - A copy of my government-issued ID Please confirm receipt of this dispute and inform me of the outcome of your investigation. Thank you for your attention to this matter and for helping protect the accuracy and integrity of consumer credit reporting. 

Sincerely, 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 2025-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S. C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason. 
I also am unable to access my accounts with XXXX XXXX XXXX if someone can look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Company : FIRST FEDERAL CREDIT XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : {$1600.00} Reported : XX/XX/XXXX Account info Account number XXXX They have falsely reported a collections on my credit report, I do not owe this company nor had any debt with the creditor. I have no open balance, this was paid though the claim with XXXX in XX/XX/XXXX Claim # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX my Business checking account was blocked and closed after 7 years banking without any issues. I was not given any explanation as to why. I have been unable to open a new account at any other bank since.

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