vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, my Social Security number is XXXX, and my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request persuant 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 lending account opened with XXXX XXXX XXXX XXXXn XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a phone account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a lease account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  an auto loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a student loan account opened with XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a personal loan account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX an auto loan account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an account opened with XXXX XXXX XXXX XXXXn XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an unsecured loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a loan account opened with XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a utility account opened with XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX 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 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: GA

Complaint narrative:
My name is XXXX XXXX, my Social Security number is XXXX, and my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request persuant 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 lending account opened with XXXX XXXX XXXX XXXXn XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a phone account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a lease account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  an auto loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a student loan account opened with XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a personal loan account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX an auto loan account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an account opened with XXXX XXXX XXXX XXXXn XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an unsecured loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a loan account opened with XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a utility account opened with XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX 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 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : PORTFOLIO RECOVERY ASSOCIATES- ( Account Number XXXX ) with a balance of {$920.00} on all three Credit Bureaus. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 

It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of notice.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hard inquire not made by me this is a result of fraud or impersonation on my credit XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX Inquiry : 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 2025-06-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hard inquire not made by me this is a result of fraud or impersonation on my credit XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX : 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Experian- XXXX XXXX Date opened- XX/XX/XXXX Last payment Date- XX/XX/XXXX Date last active- XXXX, XXXX, XXXX Paid in settlement {$370.00} written off I sent a letter asking to be provided proof of the inaccuracies of this account, failure to do so the item must be deleted. After receiving a response and no changes, I requested a re-investigation and there were still no proof sent, no changes made to my credit report and the item was not removed. Below are a copy of both letters I sent to all 3 credit bureaus. 



Equifax- XXXX XXXX Date opened- XXXX XXXX Date last payment- XX/XX/XXXX Date last active- XXXX, XXXX, XXXX Collection/Chargeoff- XX/XX/XXXX I sent a letter asking to be provided proof of the inaccuracies of this account, failure to do so the item must be deleted. After receiving a response and no changes, I requested a re-investigation and there were still no proof sent, no changes made to my credit report and the item was not removed. Below are a copy of both letters I sent to all XXXX credit bureaus. 

Transunion- XXXX XXXX Date opened- XX/XX/XXXX Date last active- XX/XX/XXXX Date last payment- N/A Original Chargeoff {$370.00} I sent a letter asking to be provided proof of the inaccuracies of this account, failure to do so the item must be deleted. After receiving a response and no changes, I requested a re-investigation and there were still no proof sent, no changes made to my credit report and the item was not removed. Below are a copy of both letters I sent to all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My personal information was stolen.i will attach reports made.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute a XXXX past due remark reported by Capital One for the month of XX/XX/year>, as listed on my Equifax credit report. This reporting is inaccurate and in violation of 15 U.S. Code 1666 ( b ) of the Fair Credit Billing Act. 

On or around XX/XX/year>, I identified a billing error on my Capital One credit card account and promptly notified Capital One in writing of the dispute within the 60-day window required by law. Under 15 U.S.C. 1666 ( b ), once a creditor is notified in writing of a billing error : " A creditor may not threaten to report, report, or continue to report adverse information to a credit reporting agency related to the amount in dispute during the 60-day investigation period. '' Despite being properly notified, Capital One proceeded to report me as 60 days late, a direct violation of my federally protected rights. I am exercising my rights under the Fair Credit Billing Act and the Fair Credit Reporting Act ( FCRA ) to demand the removal or correction of this inaccurate and unlawful reporting. 

I respectfully request that XXXX XXXX Remove the 60-day delinquency reported by Capital One in XX/XX/year> ; Update my account to reflect that the account was in dispute during that time ; Provide written confirmation of the correction. 

Please consider this statement part of my formal credit file. I request that it be added to the Capital One tradeline as a consumer statement if the item is not immediately removed.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1681 c-2 l am making a statement in regards to some fraudulent activity I have found on my credit report I never gave consent to any of these items block and remove all items mentioned on FTC & PDF I want them deleted immediately!!

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
they are not investigating properley on my credit report. They have not sent any debt validation letters for chain of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MS

Complaint narrative:
I have send multiple disputes and they have not properly investigated these accounts are blocked the fraudulent information from my credit report my personal identity was stolen and the following accounts were opened and the are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have never opened these accounts i have never received any monetary benefits from any of these accounts they are all fraudulent and should be investigated and removed immediately from my credit reports they should be removed within XXXX business days of receiving this report

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 2025-06-08 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: NY

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below-listed companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 61. By willingly violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA {$610.00} ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ). Should you refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXXXXXX 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 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I have no knowledge of the account listed below Aargon agency inc nor do i have knowledge of this account my identity was stolen

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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Name : XXXX XXXX Paypal Email : XXXX On XX/XX/year>, PayPal abruptly closed my account, stating : We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

This decision was made without providing any specific reason or supporting evidence. I was not informed in advance, and I was never given an opportunity to respond to or resolve any disputes or concerns. 

There are also being funds held in this closed account. 

Despite reaching out to customer service, I have received no clear explanation or assistanceonly generic responses. I have not been given any appeal process, resolution options, or a timeline for when my money will be returned. 

Why this is unfair or potentially unlawful : No due process or advance notice before account termination. 
No chance to respond to alleged issues or disputes. 
No transparency or accountability regarding the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX, I received a credit card in the mail from Chime. The name printed in the letter containing the card had my first name with the hyphen I use in my name. I called the number on the back of the card, XXXX, which went to Chime. I was able to speak to XXXX, who indicated the credit card had been closed and sent me an email notification of the closure. I asked if I could obtain a copy of the submitted fraudulent application but was given the answer No unless I have filed an identify theft report. ( On XX/XX/XXXX, I receive a debit card with a checking account number with XXXXXXXX XXXX -- both fraudulent -- that I have filed a separate complaint for against Chime and XXXXXXXX XXXX XXXX submitted an FTC Identity Theft Report on XX/XX/XXXX for the debit card and checking account, and updated the report after having the credit card closed to add the second fraudulent card. ) On XX/XX/XXXX, I submitted an online request to Chime for the application that led to the fraudulent credit card. As of XX/XX/XXXX, I have received no acknowledgement from anyone on the submitted request or the requested fraudulent application. It appears that Chime is insufficiently regulated or monitored or held accountable, as they did not do their due diligence when two cards were applied for under a person 's name. The fine prints on the letter states that banking services for Chime are provided by XXXX XXXX Bank, XXXX, Member FDIC, and that the credit card was issued by XXXX. I have been monitoring my own bank accounts and credit scores, and placed fraud and security alerts since this happened.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. XXXX XXXX XXXX on 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 non-monetary relief