vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: FL

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!

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 2025-08-15 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 did not open these accounts, and they seem to be inaccurate. Please investigate this issue carefully and remove them from my credit history. Supporting documents are provided for your review. Ensure they are blocked and deleted.

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 2025-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Please find attached evidence of FCRA-related misreporting tied to a servicing error and returned payment by PNC in XX/XX/year>. Disputes have been submitted to XXXX, XXXX, and XXXX. Full validation timeline is attached. Please let this serve as additional submission to CFPB Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-08-15 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 am disputing the late payment currently reported on my credit file. My documented records clearly show that all payments were made on or before their due dates. This entry is inaccurate and misrepresents my responsible payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate personal information currently listed on my credit report. After reviewing my credit file, I noticed the following errors : XXXX XXXX XXXX This is not my legal name. My correct full name is : XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX This is not my legal name. My correct full name is : XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX I have never lived at [ Incorrect Address ]. My correct address is : XXXX XXXX XXXX XXXX XXXX, IL 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 2025-08-15 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-08-15 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: TN

Complaint narrative:
Subject : Urgent Identity Theft Dispute - Fraudulent Accounts To Whom It May Concern, I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. I have been a victim of identity theft, and these accounts were opened without my consent or knowledge. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ), a copy of which is attached for your review.

Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request an immediate investigation into these fraudulent accounts and their prompt removal from my credit report. These accounts are a direct result of identity theft and must be blocked or deleted. 

The following is a list of the accounts that I wish to be investigated and removed : XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX Please initiate an immediate investigation into this matter and remove these fraudulent accounts from my credit file. I request confirmation in writing that the investigation has been completed and that the listed accounts have been permanently blocked or removed. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, TN 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 2025-08-15 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-15 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:
You are required by XXXX XXXX to investigate and eliminate these false accounts within XXXX  days.

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 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Subject : FAILURE TO VALIDATE DEBT FINAL NOTICE BEFORE LEGAL ACTION Reference : Incomplete response to request under 15 U.S.C. 1692g ( b ) Alleged Account : XXXX Dear Sirs/Madams, This letter is in response to your recent communication, in which you provided an account number ( " XXXX '' ) as a response to my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Let me be absolutely clear : An account number is NOT valid proof of a debt under federal law. This document does not constitute : - Proof of an original contract signed by me- Full chain of title - Proof that you are a Holder in Due Course under UCC Articles 3 and 9 - Any document of transfer in compliance with 15 U.S.C. 1641 ( g ) ( TILA ) - Any identification in a Pooling and Servicing Agreement, if the debt was securitized The failure to comply with my original request constitutes a willful violation of my rights as a consumer. In fact, your insistence on reporting this account without full validation is a violation of the following federal laws : IDENTIFIED LEGAL VIOLATIONS : 1. FDCPA 15 U.S.C. 1692g ( b ) Continued collection efforts without legally validating the debt.

2. FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the nature, character, or amount of a debt.

3. FCRA 15 U.S.C. 1681s-2 ( b ) Reporting and/or verifying to credit bureaus without adequate documentation.

4. TILA 15 U.S.C. 1641 ( g ) Failure to notify and legally demonstrate the transfer from the original creditor.

5. UCC Articles 3 and 9 Attempting to exercise rights without proof of valid ownership of the financial instrument. 

IMMINENT LAWSUIT Given that your entity has chosen to ignore my legitimate request and attempted to pass off an account number as sufficient validationa move that holds no legal weight under the laws mentionedI hereby notify you that : I will proceed to file a formal lawsuit for statutory and compensatory damages in a competent court if you do not immediately remove any report of this account and cease all collection activities.

DAMAGES CLAIMABLE Under 15 U.S.C. 1692k, I am entitled to : - {$1000.00} per FDCPA violation - Additional compensatory damages for emotional distress, loss of credit opportunities, and actual economic damages, preliminarily estimated at {$7500.00} USD - Court costs and legal fees The preliminary total of damages to be claimed will be : {$8500.00} USD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AZ

Complaint narrative:
XX/XX/year> To : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute Illegal Re-Insertion of Fraudulent Account XXXX XXXX Acct. No. : XXXX {$5400.00} To Whom It May Concern, I am formally disputing the illegal re-insertion of a fraudulent credit card account reported as XXXXXXXX XXXX  in the amount of {$5400.00} ( Acct. No. : XXXX ) on my XXXX credit report. This account was previously investigated, determined fraudulent, and permanently deleted after the creditor and I both provided proof that my personal information was stolen and used to obtain this credit card without my knowledge, consent, or written or expressed permission. 

The reappearance of this fraudulent account violates several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Once information is deleted from a consumers file, it may not be reinserted unless the furnisher certifies the accuracy and the CRA notifies the consumer in writing within five business days of reinsertion. 
15 U.S.C. 1681c-2 ( FCRA 605B ) Requires blocking and permanent deletion of information resulting from identity theft upon receipt of an FTC Identity Theft Report.

15 U.S.C. 1681e ( b ) Mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681n & 1681o Establishes liability for willful and negligent noncompliance with the Act. 
XXXXXXXX  failed to provide me with the required written notice of reinsertion and re-reported this account without permissible purpose under 15 U.S.C. 1681b. This is willful noncompliance and a deceptive reporting practice.

I hereby demand the immediate and permanent removal/blocking of the XXXX XXXX account from my XXXX credit report and removal from any reinsertion queues to prevent future unlawful re-reporting. 

If XXXX fails to comply, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will seek statutory, actual, and punitive damages in accordance with my rights under the FCRA. 

Please provide written confirmation of the permanent deletion within 15 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit on Experian, and I noticed my credit plummeted XXXX points. I looked into why, and it was for something that was entirely not my fault. 

I had owed XXXX small loans ( less than {$2000.00} each XXXX XXXX loans through my school XXXX University. They tried to say I was delinquent starting in XX/XX/year>. However, I was enrolled full time in a PhD program. Therefore, I did not have to pay it back. I contacted the school directly, and not only did they say I didnt need to pay it yet, they actually canceled the small loans altogether and said I never need to pay them back. 

Now, I look at my credit report, and the delinquency still affected my score. I called Experian, and they said to file a dispute, which I did. Then, I called XXXX University, and they completely agreed with me that I was * NOT * delinquent and that I do not owe this money back. 

Then just a day or XXXX later, Experian gets back to me saying my dispute was denied. No reason given, My only contact information is a number ( XXXX ) XXXX. When I call this number, it always says the lines are busy and hangs up on me. It gives no opportunity to leave a message, send an email, or do anything to be heard. 

I have recently graduated with my PhD and am looking to buy a car for my new job. I cant do this with my credit so severely impacted ( and incorrect! ) I have literally done nothing wrong in this matter, but Im being punished.

So just to review 1. I couldnt have been delinquent in the first place because I was a full time PhD student and do not need to pay loans back while full time. And 2. I noticed there was an issue with this and contacted my school directly, who canceled the loan for me and said theres no issue. 

There is no possible reason I should be punished for something that was neither my fault, or even an issue in the first place! 

I dont have any documents to attach because much of this has been done over the phone. But PLEASE contact XXXX University financial aid at XXXX, and they will verify everything Ive told you is correct.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 : ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, 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 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 2025-08-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  TX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX Line Of Credit with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$3600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as

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 2025-08-15 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief