vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
Portfolio Recovery Associates is reporting a debt allegedly purchased from XXXX XXXX, with a balance of {$470.00}. I submitted a debt validation request under FDCPA 1692g ( b ) and have not received any proof of ownership, contract, or balance breakdown. 

The account continues to be reported on my credit report with a note saying Consumer disagrees with completed investigation, even though no proper validation was ever provided. This violates FCRA 1681s-2 ( b ), which requires furnishers to fully verify disputed accounts. 

I have disputed the account with the credit bureaus and provided notice to Portfolio Recovery. If the debt can not be fully validated with original documents from XXXX XXXX, the account should be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CT

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 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 2025-07-16 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank got in to mine an my XXXX XXXX XXXXXXXX  an accused me of fraud close down my account that had nothing to do with my mom an ask questions that was none of thair beness an call audit petted servis on me cuz a lot of stress for my mom an me an her health is not good an thay made it worce

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: LA

Complaint narrative:
TransUnion is reporting multiple outdated and incorrect addresses on my credit file that do not accurately reflect my current residence or lawful place of residence at any relevant time. My one and only current address is XXXX XXXX XXXX XXXX XXXX, LA XXXX. Despite this, the following addresses remain on my credit profile, even though they are obsolete, unrelated to my current financial activity, and in some cases over a decade old : XXXX XXXX XXXX, XXXX, LA XXXX ( Reported XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Reported XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Reported XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( Reported XX/XX/XXXX ) The continued reporting of these addresses is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Section 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they report. These addresses are not only outdated but in some instances completely irrelevant to my life or credit profile today. By failing to remove them after proper notice, TransUnion is perpetuating data that does not reflect my true and current identity. 

This is more than just a technical errorits a violation with real-life consequences. These outdated addresses create confusion and lead to unnecessary delays and denials when applying for credit or verifying identity. Ive been forced to spend hours explaining why certain addresses appear that I no longer reside at, or never formally used for any legal, financial, or employment-related purpose. Ive faced suspicion during job screenings, experienced verification delays with creditors, and have been flagged for additional documentation during rental applications due to these legacy addresses. 

The burden is not just logisticalits emotional. It is exhausting to constantly justify information that should have been removed years ago. This situation also makes me deeply concerned about the integrity of TransUnions data management practices. The fact that multiple outdated addresses, some reported over 15 years ago, remain attached to my profile raises serious doubts about the bureaus internal data hygiene protocols and their commitment to FCRA 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 2025-07-16 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-16 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 a victim of identity theft, and I am submitting this complaint due to repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX or more credit reporting agencies. The issue specifically concerns the reinsertion of fraudulent accounts that were previously disputed and deleted, without providing the proper legal notice or identifying the furnishers as required by law. 

This is a direct and willful violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates : A consumer reporting agency may not reinsert deleted information unless the furnisher certifies that it is accurate and complete. Within XXXX business days of reinsertion, the agency must notify the consumer in writing and provide the name, address, and telephone number of the furnisher. 

No such notification was ever provided to me, and the accounts continue to cause serious damage to my credit report and financial reputation. 



Fraudulent Accounts Reported : XXXX. XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX Card Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX These fraudulent accounts do not belong to me, and I have never authorized them. My identity was used without my knowledge or consent. 



FCRA Violations Involved : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify consumer of reinsertion.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c-2 Failure to block fraudulent information after identity theft notice.

15 U.S.C. 1681g Failure to provide the full information contained in the consumer file. 



Requested Resolution : To resolve this matter fairly, I request the following actions : XXXX. Immediate and permanent deletion of all fraudulent and reinserted accounts from all credit reports ( Experian, Equifax, TransUnion ). 
XXXX. A written disclosure providing the name, address, and phone number of each furnisher that reinserted the deleted information. 
XXXX. A formal reinvestigation report with details of how these items were verified for reinsertion. 
XXXX. An official confirmation letter stating that these items will not be reinserted again. 
XXXX. Compensation or relief, if applicable, for the negative financial and emotional impact caused by these violations. 



Attached Document : FTC Identity Theft Report ( FTC # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am a victim of identity theft, and I am submitting this complaint due to repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX or more credit reporting agencies. The issue specifically concerns the reinsertion of fraudulent accounts that were previously disputed and deleted, without providing the proper legal notice or identifying the furnishers as required by law. 

This is a direct and willful violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates : A consumer reporting agency may not reinsert deleted information unless the furnisher certifies that it is accurate and complete. Within XXXX business days of reinsertion, the agency must notify the consumer in writing and provide the name, address, and telephone number of the furnisher. 

No such notification was ever provided to me, and the accounts continue to cause serious damage to my credit report and financial reputation. 



Fraudulent Accounts Reported : XXXX. XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX Card Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX These fraudulent accounts do not belong to me, and I have never authorized them. My identity was used without my knowledge or consent. 



FCRA Violations Involved : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify consumer of reinsertion.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c-2 Failure to block fraudulent information after identity theft notice.

15 U.S.C. 1681g Failure to provide the full information contained in the consumer file. 



Requested Resolution : To resolve this matter fairly, I request the following actions : XXXX. Immediate and permanent deletion of all fraudulent and reinserted accounts from all credit reports ( Experian, Equifax, TransUnion ). 
XXXX. A written disclosure providing the name, address, and phone number of each furnisher that reinserted the deleted information. 
XXXX. A formal reinvestigation report with details of how these items were verified for reinsertion. 
XXXX. An official confirmation letter stating that these items will not be reinserted again. 
XXXX. Compensation or relief, if applicable, for the negative financial and emotional impact caused by these violations. 



Attached Document : FTC Identity Theft Report ( FTC # 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 2025-07-16 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$24000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$2300.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$7100.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$16000.00}

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
XX/XX/year> was discovered that my home had a lien as I was in the middle of a loan process to continue my home business. XXXX XXXX XXXXXXXX gave me creditor information. I called Midland Credit Management. Where they said I have no debt there so they can not give me any information. I went to XXXX XXXX recorder office. Got case number and information but I am not the person they are looking for nor is the person they served is associated with me. I have attempted may times to reach there lawyer and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently discovered that I was a victim of identity theft

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 2025-07-16 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NY

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00}

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