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: 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:
To Whom It May Concern, I am writing to formally request a reinvestigation of an account listed on my credit report, which I believe to be inaccurate and not a true reflection of my credit history. After reviewing a copy of my credit report, I must respectfully state that I disagree with the outcome of the previous investigation and am now requesting a reinvestigation under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

The account in question is : XXXXXXXX XXXX XXXXXXXX XXXX accordance with FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation within 30 days of receiving a dispute notice, unless the dispute is deemed frivolous or irrelevant. If the information can not be verified, it must be promptly removed from my credit file. 
. 
Please provide written confirmation of the reinvestigation results and indicate any corrections or deletions made to my credit file as a result. 

Thank you for your prompt attention to this matter. 

Sincerely,

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: IL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 IL XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PENTAGON FEDERAL CREDIT UNION
State: KY

Complaint narrative:
XXXX XXXX XXXX had sold my debt to another collection agency. When I called XXXX XXXX XXXX to find out who the debt was sold to they would not give the information. Instead they want me to charge me {$370.00} to write dispute letters to the credit bureaus to resolve the issue. And they gave my banking information to the collection agency they sold the account to without my permission causing my bank account to be charged without me knowing. This is fraud as I did not authorize anyone to charge my bank account. I do not even know how they got my checking account number. The interesting thing is the collection has been removed from my report on 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 2025-07-17 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 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  Date Opened : XX/XX/XXXX, Balance : {$2900.00} INQUIRIES : XXXX/XXXX  Date : XX/XX/XXXX XXXX Date : XX/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 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: NY

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 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Under XXXX XXXX ( specifically XXXX XXXX XXXX XXXX ), furnishers of information ( which include creditors ) must ensure the information they provide to consumer reporting agencies is accurate. I recently requested and viewed my consumer credit report and disputed items on my report. Under the FCRA section XXXX it is illegal to report any information on my consumer credit report without my permission. It is also a violation of FCRA XXXX XXXX. XXXX Permissable Purpose of consumer report. Under XXXX XXXX. XXXX no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION. No consent was given to share any of the consumer 's information. This is also a violation of XXXX XXXX XXXX XXXX - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants lawful authority to share NON-PUBLIC PERSONAL INFORMATION with XXXX XXXX entities. If XXXX can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, account ( XXXX ) in question must Delete account immediately.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
COMPLAINT MAILED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHED CERT MAIL # : XXXX I am filing a formal complaint against XXXX XXXX for deceptive advertising, fraudulent inducement, and unfair business practices during the rental application process. 

PER THE VIDEO RECORDING : The representative apprised me that the unit I applied for was now rented out, and continued to attempt to interchange rented and applying. I asked directly if the unit was rented, then why let me apply for it, I was discarded. 

She then said she misspoke and that it was applied for, " too '', and that they go first come and first serve. So I asked when the other person applied? That intel wasn't provided. 

Said it was available for immediate move-in, I asked was there anything to show me? 

I was discarded again and she gave her attention to someone else. 

I then asked for a full refund since they had nothing available for over a month and I was apprised. 

Right, she will. 

And I said thank you. 

The manager XXXX took me on the tour. And apprised me of the issue with their website not reflecting properly of their availability. 

RECORDING TRANSCRIPT STOPPED I specifically informed the property that I was looking to move in no later than XX/XX/XXXX and would not be applying unless immediate availability was confirmed. I was told there were available units and was invited to come in to tour the apartments. 
Upon arrival, the leasing staff had no idea who I was, and I was told no units would be available until the end of the montha complete contradiction to what I was led to believe. 
This is a clear example of false advertising and baiting prospective tenants under false pretenses. 
Importantly, during the in-person tour, I obtained a video recording of the staff member admitting that this issue is known and ongoing. She clearly states that the XXXXXXXX XXXX  website does not update to show when units are no longer available, and that this regularly causes confusion for applicants. That admission confirms that the company is fully aware they are misrepresenting availability and still continues to accept application fees under false assumptions. 
I paid a {$100.00} application fee, which I am now demanding be refunded in full and compensation. They had no available units, and knowingly accepted my money based on inaccurate, uncorrected information. This is fraudulent behavior. 

VIDEO RECORDING AVAILABLE.

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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX  CFPB Complaint : Greetings, XX/XX/2025 Ive sent Experian, TransUnion, and Equifax multiple disputesincluding validating duplicate conflicting data on all 3 bureaus reporting for XXXX XXXX on XX/XX/XXXX  with no explanation to verify either reporting occurrence. Need the accounts validated or deleted. 

XX/XX/2025 I disputed multiple accounts for verification of certificates of mailing. I did not receive any substantive proof. All the accounts are still on my report. I am following up with a ( MOV ) Method of Validation today XX/XX/XXXX XXXX I provided proof that XXXX XXXX could not verify the account to all 3 bureaus Equifax, Transunion and Experian and XXXX XXXX has still not been removed. Simultaneously I disputed the company XXXX XXXX XXXX in the same letter. No response from XXXX XXXX. 

XX/XX/2025 I sent an address update and requested removal of all outdated addresses based on Identity Theft prevention. I sent my Lease, ID and Bank Statement with all the EXACT same addresses. I still see all addresses on my report. Waiting for unofficial addresses to be removed. 

XX/XX/2025 I am submitting a ( MOV ) Method of Verification for the dispute I sent on XX/XX/XXXX  based on certificates of mailing and validation. Remedy is validate in 15 days or delete.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX  CFPB Complaint : Greetings, XX/XX/2025 Ive sent Experian, TransUnion, and Equifax multiple disputesincluding validating duplicate conflicting data on all 3 bureaus reporting for XXXX XXXX on XX/XX/XXXX  with no explanation to verify either reporting occurrence. Need the accounts validated or deleted. 

XX/XX/2025 I disputed multiple accounts for verification of certificates of mailing. I did not receive any substantive proof. All the accounts are still on my report. I am following up with a ( MOV ) Method of Validation today XX/XX/XXXX XXXX I provided proof that XXXX XXXX could not verify the account to all 3 bureaus Equifax, Transunion and Experian and XXXX XXXX has still not been removed. Simultaneously I disputed the company XXXX XXXX XXXX in the same letter. No response from XXXX XXXX. 

XX/XX/2025 I sent an address update and requested removal of all outdated addresses based on Identity Theft prevention. I sent my Lease, ID and Bank Statement with all the EXACT same addresses. I still see all addresses on my report. Waiting for unofficial addresses to be removed. 

XX/XX/2025 I am submitting a ( MOV ) Method of Verification for the dispute I sent on XX/XX/XXXX  based on certificates of mailing and validation. Remedy is validate in 15 days or delete.

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 was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Company placed debt on credit report a few months ago and I requested proof as I have never applied or received anything and they havent sent me any proof. Claims I owe {$2200.00}

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a secured credit card account with Bank of America ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, opened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account is currently reporting derogatory Charge-Off ( CO ) status with an unpaid balance of {$120.00} and past due amount of {$120.00} on all three bureaus. Monthly payments are reported as {$0.00}. 

The account was closed by the creditor due to inactivity. However, the charge-off status and balance reported do not accurately reflect my payment history or account status. The Date Last Active ( DLA ) and Date of Last Payment ( DLP ) vary across bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I dispute the following : CO status is inaccurate and unverified under FCRA Sections 609 and 611 ; Balance ( BL ) and Past Due ( PD ) amounts are inconsistent and unverified ; Payment Status ( PS ) inconsistencies across bureaus ; DLA and DLP discrepancies. 

I requested validation from Bank of America and the credit bureaus, but no adequate proof or corrections were provided. This inaccurate reporting harms my creditworthiness and violates FCRA rules.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Follow up complaint : XXXX It has been over 15 days since I submitted this complaint on XX/XX/XXXX, and the company has failed to respond. This violates the CFPBs 15-day response requirement.

The account in question was a checking account, not an installment loan. However, the furnisher is reporting it as a 12-month unsecured installment loan, with ongoing late payments continuing into XXXX even though the account was closed in XX/XX/XXXX. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681s-2 ( b ), which require accurate reporting and proper reinvestigation. 

I am also attaching screenshots that show this is a checking account and should not be reported as a loan.

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: NC

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

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX 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  : {$970.00}

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