vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
I previously disputed this {$1500.00} debt and it was marked as closed. However, on XX/XX/year>, the company re-reported it as In Collection and Derogatory. I never received proper validation or proof that this debt is mine. Re-reporting a disputed debt without resolution is a violation of the Fair Credit Reporting Act ( FCRA ) and is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc.
State: NE

Complaint narrative:
Subject : Complaint Against HireRight Inaccurate Background Report and Request for Investigation Dear CFPB Representative, I am writing to file a formal complaint against HireRight, a background screening company, for including inaccurate and potentially damaging information in my consumer report, reference number XXXX, completed on XX/XX/XXXX. 

Specifically : False Missouri Drivers License Information : My background report includes a Missouri drivers license number ( XXXX ) in the XXXX XXXX section. I categorically state that I have never held a drivers license in the State of Missouri nor have I ever resided there. I have repeatedly requested that HireRight provide proof that this license belongs to me or correct the record accordingly. To date, no such proof has been provided, and the inaccurate information remains on my report. 
Duplicate Violation Records : The report lists a speeding violation dated XX/XX/XXXX, with a conviction date of XX/XX/XXXX, twiceindicating possible data duplication or reporting error. This redundancy may lead to a misleading perception of my driving history, potentially affecting employment opportunities. 
I have submitted a direct dispute to HireRight, attaching a copy of my valid Nebraska Commercial Drivers License ( XXXX ) to support my identity and jurisdictional history. However, the company has failed to resolve these issues satisfactorily. 

As a consumer, I rely on the accuracy and integrity of background screening agencies. The continued reporting of incorrect and duplicated information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the CFPB : Investigate this matter promptly ; Require HireRight to provide documented evidence that the Missouri license and related violation are valid and belong to me ; Instruct HireRight to remove any unverifiable or inaccurate entries, including duplicate violation records ; Ensure that I am provided with a corrected version of the background report once the dispute is resolved. 
Thank you for your time and attention to this serious matter. Please do not hesitate to contact me for further information or documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Every time I request for a verification of an account. It always comes back verified and updated with no proof of anything sent to me. 

I requested debt validation under 15 USC 1692gb within the 30-day period. The debt collector failed to provide proper verification. Despite this, Experian and Equifax continue to report the item. They are violating the Fair Credit Reporting Act ( FCRA ) by reporting unverified information. I am requesting immediate removal of this unvalidated debt from both credit reports. 

Accounts such as : 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reporting that I am a victim of identity theft. Unauthorized individuals have used my personal information to open accounts in my name without my consent. This fraudulent activity has caused significant distress and has affected my financial stability. I have discovered multiple accounts that I did not open and associated debts that I am not responsible for. Despite my efforts to resolve this matter, the impact of this identity theft continues to negatively affect my life, making it essential to document this incident and seek your assistance in rectifying the situation. Attached below is my FTC report and copies of my credit report with address, names and debts that does not belong to me.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reporting that I am a victim of identity theft. Unauthorized individuals have used my personal information to open accounts in my name without my consent. This fraudulent activity has caused significant distress and has affected my financial stability. I have discovered multiple accounts that I did not open and associated debts that I am not responsible for. Despite my efforts to resolve this matter, the impact of this identity theft continues to negatively affect my life, making it essential to document this incident and seek your assistance in rectifying the situation. Attached below is my FTC report and copies of my credit report with address, names and debts that does not belong to me.

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 2025-06-07 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: AR

Complaint narrative:
TransUnion is reporting inaccurate and outdated information on my credit report. They removed XXXX accounts that were inaccurate and mistakenly reported, but XXXX accounts they did not remove, one was a heloc that I reportedly instructed them to remove, because I paid medical bills with and according to Senate bill 5480 as you well know. 

They also didnt remove other XXXX accounts with inaccuracies, as well as inaccurate personal information, and inquiries which are not mine and I know nothing about. 

My personal information is as follows all other must be removed, My name is XXXX XXXX XXXX My correct address is XXXX XXXX XXXX, XXXX XXXX, AR XXXX My correct email is XXXX My correct phone number is XXXX My correct employer is XXXX XXXX XXXX All other info must be 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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a secured credit card with Capital One and XXXX. Two credits cards from two different companies and each were {$200.00} refundable security deposit which totals {$400.00}. I closed the account in XXXX and fully paid the balance. I was informed the deposit would be returned, but after several months, I have not received the refund. Ive contacted customer service multiple times and have not received a resolution. I am requesting that my security deposit be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter serves as my formal Round XXXX dispute regarding the following accounts : [ Account Name : XXXX XXXX XXXX ] Account shows COLLECTION, and PAST DUE [ " This account is reporting inaccurate late payments despite no supporting documentation. '' ] 1. [ This account is not mine and remains unverifiable. '' ] Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for engaging in sham investigations of consumer disputes. The CFPB 's complaint highlights that Experian improperly marked disputes as frivolous or conducted superficial investigations that failed to verify the accuracy of reported information. 
This practice violates the rights of consumers under the FCRA. 
As per the FCRA 611 ( 15 U.S.C. 1681i ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

2. Notify the furnisher of the disputed information.

3. Delete or correct information that can not be verified within the required timeframe.

Given the CFPB 's findings and your previous handling of my dispute, I am concerned that you have not fulfilled your statutory obligations. Let this letter serve as formal notice that l expect the following actions to be taken immediately : 1. Conduct a thorough and reasonable investigation into the disputed accounts listed above.

2. Delete or correct any unverifiable, inaccurate, or incomplete information.

Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question.

4. Send me an updated copy of my credit report reflecting any changes.

I have included copies of relevant supporting documents and identification to aid in your investigation. Under FCRA 611 ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file.

Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filing a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 
I trust that you will take immediate corrective action and provide a response within the 30 days required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX under the account ( private ), XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account ( private ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account ( private ), XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account ( private ), XXXX 's on XX/XX/XXXX under account ( private ), XXXX  opened on XX/XX/XXXX under ( private ), XXXX opened XX/XX/XXXX under account number ( private ) and XXXX XXXX opened XX/XX/XXXX under account number ( private ). that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries ( letter attached to documents in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 accounts, collections, and hard inquiries are the 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 2025-06-07 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: IL

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX under the account ( private ), XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account ( private ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account ( private ), XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account ( private ), XXXX 's on XX/XX/XXXX under account ( private ), XXXX  opened on XX/XX/XXXX under ( private ), XXXX opened XX/XX/XXXX under account number ( private ) and XXXX XXXX opened XX/XX/XXXX under account number ( private ). that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries ( letter attached to documents in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXUnder 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened a Bilt Mastercard by Wells Fargo approximately two months ago. I logged into my account on the Bilt website to see if a statement was available, but nowhere on the site did I see any balance due. Fast forward to XXXX when I received an email ( linking to a page that was not obvious to find from the Bilt front page ) and a phone call reminding me to pay. When I logged in I found that I had been charged both a late fee of {$25.00} and interest of {$45.00} on the outstanding balance. Moreover, once you move away from this page to pay your bill, it doesn't seem possible to go back and see the itemized statement, so it is easy to see how other customers may not even realize that they have late fees or interest. This is clearly a deceptive practice under the CFPB 's UDAAP provisions, which is consistent with Wells Fargo 's general approach to customers. I intend to pay the balance and then close this account, but I want to register this sort of behavior with the agency to lend weight to any future actions against Wells Fargo.

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 monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XX/XX/2025 HUNTER WARFIELD INC XXXX XXXX XXXX XXXX, FL XXXX Re : Request for Debt Validation Pursuant to 15 U.S. Code 1692g Dear Hunter Warfield, I am writing in response to your recent communication dated [ insert date of letter ] regarding an alleged debt you claim I owe. Please be advised that I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g.

Under this section of the law, I am requesting the following : The amount of the alleged debt ; The name of the creditor to whom the debt is allegedly owed ; A copy of any judgment, if applicable ; Verification of the original debt, including a copy of the original signed agreement or contract, if available ; Proof that you are legally authorized to collect on this debt in my state.

I respectfully request that all collection activities, including reporting to credit bureaus, cease until you have provided me with the requested information. Please also be aware that failure to comply with this request may constitute a violation of the FDCPA. 

This is not a refusal to pay, but a request for validation and verification of the alleged debt. 

Please respond to this request in writing at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Fake names fake accounts was added to my account which is a violation of my rights my my credit and data was breach

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 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. 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 supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 result 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.

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