vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not give permission to these companies to access my credit information, nor did I apply for any services with them. This is a violation of my rights as a consumer, and it is adding unnecessary stress to an already difficult situation.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The debt collector has never verified the debt with the original creditor, despite my requests for validation.Under the Fair Debt Collection Practices Act ( FDCPA ), I requested that the debt collector provide verification and documentation of the debt, including details of the original purchases and the account with the original company. However, they have not provided any proof that I owe this debt or any supporting documentation showing how the amount was calculated. I am requesting your assistance in resolving this matter, as I believe the debt collector is in violation of the FDCPA by continuing collection efforts without proper validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), consumer reporting agencies are required to : Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

TransUnion has reported a credit card account that does not belong to me, and I have never opened or authorized such an account. This reporting violates the FCRAs accuracy requirements. 

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), when a consumer disputes an account and its found to be inaccurate or unverifiable :

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 2025-07-17 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:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), consumer reporting agencies are required to : Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

XXXX  has reported a credit card account that does not belong to me, and I have never opened or authorized such an account. This reporting violates the FCRAs accuracy requirements.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), when a consumer disputes an account and its found to be inaccurate or unverifiable :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), consumer reporting agencies are required to : Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

XXXX  has reported a credit card account that does not belong to me, and I have never opened or authorized such an account. This reporting violates the FCRAs accuracy requirements.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), when a consumer disputes an account and its found to be inaccurate or unverifiable :

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 2025-07-17 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: WI

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 2025-07-17 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 XXXX IL XXXX ACCOUNTS 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: DC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 have previously disputed Experian and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX [ SSN last 4 digits : XXXX [ Date of Birth : XX/XX/XXXX XX/XX/XXXX To : Experian | XXXX. XXXX XXXX| XXXX, XXXX  XXXX Equifax | XXXX. Box XXXX| XXXX, XXXX  XXXX TransUnion | XXXX. XXXX XXXX | XXXX, XXXX  XXXX XXXX  ( XXXX XXXX XXXX ) RE : Dispute & Validation Request XXXX  ( {$510.00} ) To Whom It May Concern, I am formally disputing a collection account being reported under the name XXXX in the amount of {$510.00} across all three credit bureaus. I do not recognize this account, and I request its immediate permanent deletion from my Experian, Equifax, and TransUnion credit reports under FCRA 15 U.S.C. 1681o, due to negligent and willful reporting of inaccurate information. 
To XXXX : This letter is a formal request for debt validation under XXXX5 U.S.C. 1692g, and a demand to cease collection communications under 15 U.S.C. 1692c ( c ). Additionally, under Regulation F, you are required to provide detailed itemization and proof of debt ownership. 
Please provide the following : The full Assignment Contract showing legal transfer of the debt.

The Forward Flow Agreement detailing how you obtained this debt. 
Full validation of the debt including original creditor, itemization, and legal authority to collect. 
Until you furnish this documentation, you are prohibited from reporting or collecting this debt. Failure to comply is a violation of the FDCPA and FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
am disputing multiple negative collection accounts appearing on my credit reports. I believe they are being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and/or Fair Debt Collection Practices Act ( FDCPA ). 

Specifically : I had a Pay-for-Delete agreement with XXXX, in which I agreed to pay the debt in exchange for full removal of the account from all credit bureaus. I have proof of this agreement and payment. Despite this, the account ( s ) continue to appear. 

Some of the accounts are reporting inaccurate balances, dates, or statuses. 

One or more collection agencies have not responded to written disputes within the required time frame.

At least one inquiry or debt was unauthorized or never validated, and the reporting furnisher did not provide documentation to support the accuracy of the debt.

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 2025-07-17 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: 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 XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00}

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
On the chexsystems report its shown that I owe XXXX back {$820.00} from I believe they said XXXX of XXXX I had no knowledge of this account Im a victim of fraud and I filed a fraud report with the bank and ask them to remove this off my report they said within 24 to 48 hours I call they XX/XX/XXXX please remove this off my credit report please and send me confirmation in my email when its removed thank you.

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 2025-07-17 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-07-17 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:
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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX SSN : XXXX Date : XX/XX/year> TO : XXXX XXXX Services XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : XXXX DISPUTE & DEMAND FOR REMOVAL Account XXXX XXXXXXXX To Whom It XXXX Concern, This letter serves as a formal dispute and demand for removal of the collection account you are reporting to the credit bureaus under the following information : Creditor/Collector : Cavalry Portfolio Services Account Number : XXXX Amount : {$4400.00} Status : Collection Reporting to : XXXX or more credit bureaus Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX, and the Fair Credit Reporting Act ( FCRA ) XXXX, I am exercising my legal right to request full validation of this alleged debt. 

Let me be absolutely clear : A previous bill, account summary, or an internal statement is NOT considered valid proof of debt. 
Federal law requires you to provide : A copy of the original signed contract or agreement with the original creditor that legally binds me to this debt. 
A complete payment history, including an itemized breakdown of how the balance of {$4400.00} was calculated. 
Proof that you are legally authorized to collect on this debt. 
The name and address of the original creditor and documentation showing legal transfer or assignment. 
Until you supply the above, this debt is considered unverified, and you are legally obligated to remove this account from all consumer credit reports. If you continue to report this unverifiable account, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney XXXX XXXX for violations of federal law. 

If you are unable to provide proper validation within XXXX  days, I demand : Immediate removal of this account from all credit bureaus ( XXXX XXXX XXXX XXXX  Cease and desist all collection activities against me This is not a requestit is a formal dispute and demand. I am documenting this communication for use in any legal actions deemed necessary. 

You have XXXX  days to respond with proper documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating.

As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

Please advise and help me fix this, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating.

As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

Please advise and help me fix this, thank you

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding an interest charge of {$390.00} that was applied to my Bank of America credit card after the expiration of a 0 % APR promotional period. 

I was not adequately notified that the promotional period had ended. As a result, I continued using the card and was unaware that interest was accruing. 

As soon as I noticed the charges, I immediately paid off the entire balance in full. I have contacted Bank of America multiple times and requested a courtesy refund based on my payment history and responsible use of the card. However, all of my requests were denied.

I believe this is an unfair financial practice, especially considering my clean payment history and the fact that this was a first-time incident. I respectfully request that the CFPB review this case and help resolve the issue. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
on XX/XX/year>XXXX  as i was reviewing my consumer report on XXXX XXXX i noticed that t had open accounts on my consumer report that i did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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