vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX, student loan - account number XXXX opened on XXXX XXXX XXXX XXXX student loan - account number XXXX opened on XXXX XXXX XXXX XXXX, student loan XXXX account number XXXX opened on XXXX XXXX XXXX XXXX, student loan - account number XXXX opened on XXXX XXXX DPEDXXXX student loan - account number XXXX opened on XXXX DPEDXXXX student loan - account number XXXX opened on XXXX DPEDXXXX student loan - account number XXXX opened on XXXX DPEDXXXX student loan - account number XXXX opened on XXXX DPEDXXXX student loan - account number XXXX opened on XXXX DPEDXXXX student loan - account number XXXX opened on XXXX DPEDXXXX student loan - account number XXXX opened on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$48000.00}

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 2025-11-14 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XX/XX/year> i received an alert that a hard inquiry had been done on my credit for the purpose of opening a capitol one credit card. I called capitol one and they said yes someone applied for a credit card and they gave me the phone number of XXXX ( which is NOT mine ). They cancelled the application. I called the credit bureau and reported the fraud and they also said to file with you. I also signed up for fraud alerts through the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX XXXX and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-14 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:
I am writing to dispute the following accounts on my Equifax credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$120.00} Inquiries XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX Positive Accounts No positive accounts listed for Equifax. 

Late Payment Accounts XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Initial Contact : I was contacted by Portfolio Recovery Associates, starting in or around XXXX XXXX XXXX, regarding an outstanding balance of {$14000.00} that had been sold to collections. 

Original Creditor & Account : The original creditor was XXXX Bank for a XXXX  XXXX XXXX credit card in my name. 

Nature of Fraud : To the best of my knowledge, the fraudulent charge of {$13000.00} was incurred in or around XXXX XXXX XXXX. Subsequent additional charges were due to accrued interest, which produced the total amount of {$14000.00}, which was sold to collections. 

My identity was stolen, and significant fraudulent actions were made to the account, including : -Requesting a new account number and credit card. 

-Requesting a credit limit increase. 

-Changing the account 's username, password, email address, mailing address, and telephone number. ( The only detail that remained unchanged was my name on the account. ) The original account number that I opened was linked to a credit card that expired in XX/XX/XXXX. To my knowledge, this credit card was not reactivated. I still have the expired credit card. 

Rectification Attempts : I reached out to XXXX 's XXXX Credit Card through XXXX Bank in XX/XX/XXXX to inquire about this fraudulent activity. I was told that even though the account was in my name, using my credit, I was unauthorized to request any information about it since the account number and all of the other information had been changed. 

Then I attempted to rectify the situation directly with Portfolio Recovery Associates , LLC, and they sent me an Identity Theft Form and opened an investigation. Simultaneously, they are continuing to attempt collection. 

Professional Assistance : I have engaged XXXX XXXX, an identity theft insurer, to assist with this fraud and identity theft claim. 

Current Formal Actions : I am currently in the process of finalizing the official dispute by : -Reporting to the FTC XXXX 

-Completing a formal written statement/affidavit to dispute the charges. 

-Completing and Notarizing the Identity Theft Form with Portfolio Recovery Associates , LLC XXXX 

-Filing a formal Police Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
Dear Sir/Madam, I am filing a dispute regarding several inaccurate items on my credit reports from the three credit bureaus. These items are either incorrect, incomplete, or not being reported in accordance with the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the details of the accounts in dispute for each bureau. Please review and address these discrepancies. 

Charged Off Accounts XXXX XXXX, XXXX, XX/XX/XXXX, {$330.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$8800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$110.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$480.00} XXXX XXXX XXXXXX/XX/XXXX, {$7200.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$310.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$660.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$630.00} Inquiries XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments 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 2025-11-14 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: VA

Complaint narrative:
Dear Sir/Madam, I am filing this complaint to dispute inaccurate and incomplete information regarding my credit report. Below are the details of the accounts that I am disputing with each of the credit bureaus Charged Off Accounts : XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$470.00} XXXX  XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$250.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This complaint concerns TD Bank USA XXXX Nordstrom Card ) and XXXX  XXXX XXXX XXXX regarding unlawful reinsertion of deleted information and inaccurate cross-bureau reporting. 

On XX/XX/XXXX, XXXX  confirmed deletion of the Nordstrom/TD Bank account because it could not verify the data. However, XXXX  continues to report the same account as Derogatory/Charged-Off, with a remark stating Consumer disputes after resolution. 

Additionally, my XXXX  change log shows the Nordstrom/TD Bank tradeline was re-added and removed between XXXX XXXX XXXX  proof that the account was reinserted without the legally required 5-day notice or certification under FCRA 611 ( a ) ( 5 ) ( B ). 

As of my IdentityIQ report dated XX/XX/XXXX, the Nordstrom/TD Bank tradeline appears : Deleted from XXXX  and XXXX  Active/Derogatory on XXXX, with a {$720.00} balance and Charged-Off status This demonstrates ongoing violations of FCRA 607 ( b ), 611 ( a ) ( 5 ) ( B ), and 623 ( b ).

Federal precedent confirms these duties : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ). 

I request that the CFPB require : Permanent deletion of the Nordstrom/TD Bank tradeline from XXXX  ; Certification of any reinvestigation or reinsertion records from TD Bank USA ; and Confirmation that all three bureaus reflect the same verified data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am following up on a previous dispute for which I have received no adequate response and have seen no corrections on my credit report. The inaccurate information I challenged is still being reported, which leads me to believe that a proper investigation was not performed as required under FCRA 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

I am now requesting a complete reinvestigation of the disputed item ( s ) and ask that you provide : The name, address, and phone number of the furnisher, A detailed Method of Verification, and All documents exchanged between you and the furnisher regarding this dispute. 

It has also been noted that TransUnion, Experian, and Equifax have previously faced legal action for inadequate or sham investigations and for failing to properly review or forward consumer-provided documentationpractices that violate the FCRA and the Consumer Financial Protection Act. 

The specific account I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * {$22000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-14 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 am filing this FTC Identity Theft Affidavit to report multiple fraudulent items appearing on my consumer FICO credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent items include hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. These items also include fraudulent accounts such as a credit card with XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX with a balance of XXXX ; a credit card with XXXX XXXX  XXXX account number XXXX, opened on XX/XX/XXXX with a balance of XXXX ; and a real XXXX account with XXXX XXXX XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX with a balance of XXXX. I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. I demand that all of these fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
I keep receiving phone calls from an XXXX Debt Collector who claims to want my information to verify a debt but has admitted they do not have any of my contact information including my address to send a Debt Validation Letter. As such, Ive never received any written letter about any debt I may have despite it being months of them calling. I refuse to give any contact information to someone who has admitted they dont know where I live. They wont give me anything other than claiming to be from United Collection Bureau and will not stop calling my number. They no longer even leave a voicemail when they do call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MS

Complaint narrative:
I am writing to dispute the following negative items that appear on my credit report. I believe these items are inaccurate and need to be corrected under the Fair Credit Reporting Act ( FCRA ). 
1. XXXX XXXX Charge-Off o Account Number : XXXX o Amount : {$9700.00} o I am requesting that Equifax re-investigate the charge-off status of this account.

Please verify the information with the creditor and ensure it is accurate.

2. XXXX XXXX Charge-Off ( 2nd entry ) o Account Number : XXXX o Amount : {$5700.00} o Please review and verify the charge-off status of this account to ensure it reflects the correct information. 
3. XXXX XXXX Charge-Off ( 3rd entry ) o Account Number : XXXX o Amount : {$5700.00} o I dispute the charge-off status and request that Equifax investigate the payment history and balance accuracy. 
4. Delinquent Student Loan o Account Number : XXXX o Amount : {$3600.00} o I dispute the delinquent status of this student loan and request that Equifax verify the payment history for accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Source of Information : CITIZENS BANK ; 1 XXXX XXXX, XXXX, RI XXXX Phone Number : XXXX Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Reported SSN/ID : XXXX Drivers License : State : Date of Closure : XX/XX/year> RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$240.00} Closure Status : UNPAID Closure Status Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am submitting this complaint because a debt collector & the credit bureau is engaging in unlawful credit reporting practices by repeatedly reporting a charge-off every month, which is inaccurate, misleading, and violates federal consumer protection laws. 

A debt collector is updating my credit report each month with a new charge-off entry for the same account. This is factually incorrect, as a charge-off can only legally occur oncenot every month and not repeatedly. 

The continuous monthly charge-off reporting artificially harms my credit score, creates the false appearance of new negative activity, and constitutes unlawful credit reporting behavior.

A formal dispute was submitted to all 3 credit bureaus who verified the information as accurate when the information was not, thus failing to thoroughly investigate and maintain accurate reporting on my credit report. 

In addition the debt is not mine and no debt validation letter or the ability to dispute with the debt collector was received. 

Acct # XXXX-credit collection serv

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