vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FREEDOM FINANCIAL NETWORK
State: NV

Complaint narrative:
A {$21000.00} LOAN WAS OPENED ON XX/XX/XXXX, THE COMPANY NAME AT THE TIME WAS FREEDOM LOANS. I WAS NOT AWARE OF THIS LOAN BEING OPENED UNTIL 3 MONTHS AFTER, BECAUSE I WAS NOTIFIED BY EMAIL OF A DELINQUENT PAYMENT STATUS ON AN ACCOUNT BY THE CREDIT BUREAU. I FILED A POLICE REPORT WITH THE XXXX XXXX XXXX XXXX. I ALSO FILED A NUMOROUS REPORTS WITH THE FTC AS WELL. MY PERSONAL INFORMATION WAS INVOLVED IN THE XXXX  XXXX BREACH. SINCE THEN MY INFO HAS BEEN EXPLOITED ON THE DARK WEB. I CONTACTED FREEDOM AND SUBMITTED ALL THE POLICE AND FTC REPORTS. I ALSO SUBMITTED AN IDENTITY THEFT AFFIDAVIT. I PREVIOUSLY REQUESTED THAT ANY INQUIRIES AND ACCOUNT INFORMATION BE REMOVED FROM ALL THE CREDIT BUREAUS, IN WHICH THEY COMPLIED. BUT A FEW YEARS LATER, A NEW ACCOUNT APPEARED ON MY CREDIT REPORTS UNDER THE NAME ACHIEVE LOANS FOR THE SAME DOLLAR AMOUNT OF {$21000.00} AND ALSO A COLLECTION COMPANY NAMED XXXX XXXX XXXX OPENED A COLLECTION ACCOUNT IN XX/XX/XXXX ATTEMPTING TO COLLECT THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
15 U.S. Code 1681i, part of the Fair Credit Reporting Act ( FCRA ), outlines the procedure a consumer reporting agency ( CRA ) must follow when a consumer disputes the accuracy of information in their credit report. Essentially, it details how CRAs handle disputes and what steps they must take to investigate them.

15 U.S. Code 1681e outlines the compliance procedures that consumer reporting agencies ( CRAs ) must follow under the Fair Credit Reporting Act ( FCRA ). This section primarily focuses on ensuring the accuracy and appropriate use of consumer reports. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX Date opened Closed XXXX XXXX XXXX  Account info Account number XXXX Date opened XX/XX/XXXX Closed Please remove these credit pulls from my credit report the inquiries 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 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Closed XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX Date opened Closed XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed Credit inquiries XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account XXXX XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account XXXX XXXX XXXX opened CloseXXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed Credit inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681i, part of the Fair Credit Reporting Act ( FCRA ), outlines the procedure a consumer reporting agency ( CRA ) must follow when a consumer disputes the accuracy of information in their credit report. Essentially, it details how CRAs handle disputes and what steps they must take to investigate them.

15 U.S. Code 1681e outlines the compliance procedures that consumer reporting agencies ( CRAs ) must follow under the Fair Credit Reporting Act ( FCRA ). This section primarily focuses on ensuring the accuracy and appropriate use of consumer reports. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX Date opened Closed XXXX XXXX XXXX  Account info Account number XXXX Date opened XX/XX/XXXX Closed Please remove these credit pulls from my credit report the inquiries 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 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Closed XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account number XXXX Date opened Closed XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed Credit inquiries XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account XXXX XXXX Date opened XX/XX/XXXX Closed XXXX XXXX XXXX Account info Account XXXX XXXX XXXX opened CloseXXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Closed Credit inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a dispute of a fraudulent account listed under my name. I have no knowledge of this account, nor have I authorized it. Its presence on my credit file is harmful, inaccurate, and must be removed.

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
CFPB v Portfolio Recovery Associates Complaint Settlement Payment Issue I was a recipient of a settlement payment from the case CFPB v. Portfolio Recovery Associates, related to a XXXX account. The settlement check was issued in the amount of {$910.00} on or around XX/XX/XXXX. 
The check was mailed to an outdated address, and as a result, I did not receive it in time. I only discovered the check on XX/XX/XXXX, at my old address. By then, the check was no longer valid. 
When I contacted Portfolio Recovery Associates ( PRA ) to request a reissue, they refused, stating they had attempted to mail the check multiple times to the incorrect address. Additionally, I was informed that PRA applied part of the settlement funds toward another old debt account they had purchased, without my knowledge or authorization. 
I believe I am entitled to the full settlement payment of {$910.00}, as intended by the settlement terms. PRAs decision to apply the funds to another debt account and refusal to reissue the check, despite the fact that it was never properly delivered to me, is unfair and prevents me from receiving the relief I was awarded. 
I am requesting CFPBs assistance in ensuring that PRA reissues the full settlement payment to my correct and current address : XXXX XXXX XXXX XXXX XXXXXXXX Va XXXX Thank you for your help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows 1 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: OH

Complaint narrative:
I sent four rounds of dispute letters to Trans Union Experian and Equifax all dispute letters had laws that can get my dispute deleted automatically. Nothing has changed. I even had a letter sent back. I sent off letters on XX/XX/XXXX. Nothing still updated. I even reported to you guys in XXXX about the issues that Im having with the credit bureaus and you said that they will respond back they never did they didnt do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: OH

Complaint narrative:
I sent four rounds of dispute letters to Trans Union Experian and Equifax all dispute letters had laws that can get my dispute deleted automatically. Nothing has changed. I even had a letter sent back. I sent off letters on XX/XX/XXXX. Nothing still updated. I even reported to you guys in XXXX about the issues that Im having with the credit bureaus and you said that they will respond back they never did they didnt do anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation