vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
Im a victim of identity theft, and I have a police report to back it up. Still, a law firm called TENAGLIA HUNT, PA took legal action against me over a debt I dont owe and never agreed to. Ive never had any relationship with the creditor, never opened the account, and never gave anyone permission to use my personal information. This debt has nothing to do with me, yet I was dragged into a lawsuit because of it. As soon as I received the summons, I acted quickly. On XXXX XXXX XXXX  I filed my answer with the court within the time I was given. The court and law firm received it on XXXX XXXX. I also submitted all the evidence I had, including a sworn affidavit, proof of my identity, address, and the police report showing I was a victim of fraud. I fully expected the court to review the facts and protect me from being held responsible for a debt I had nothing to do with. But instead of justice, I got a judgment. There was no hearing where I could speak, no requirement for the law firm to show real proof I owed this debt, just a judgment entered against me as if none of my evidence mattered. It felt like my side was completely dismissed, even though I followed the law and responded properly. That judgment should have never been granted under these circumstances. This has taken a toll on me in every way. Its affected my credit, caused emotional distress, and added unnecessary financial pressure. Whats even more frustrating is that I did everything right and Im still the one suffering. Meanwhile, the party suing me didnt even have to provide valid documentation to support their claim. What happened here raises serious concerns about violations of the Fair Debt Collection Practices Act. I was sued over a debt that was never validated, and despite being a documented identity theft victim who responded properly, the court still ruled against me. Thats not fair or legal. Im doing everything to vacate the judgment. I can not accept being held responsible for a fraudulent debt. Ive done everything I can to fight this, and Im asking for help because I cant fix it alone. Im asking the CFPB to review this complaint, investigate the practices involved, and help ensure this judgment is removed. I want the debt removed from my record, the judgment vacated, and all related negative credit reporting deleted. I also want to make sure this law firm can not pursue further collection efforts against me for a debt that isnt mine. This situation has left me feeling powerless, stressed, and deeply frustrated. Im not the person who incurred this debt, Im the victim and I just want this to be made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recently reviewed my XXXX credit report and noticed an account that was not reporting accurately. I am writing to formally dispute inaccurate information I found on my credit report regarding the above-referenced account XXXXPayPal. Specifically, my report reflects late payments for the following months : XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. However, according to both XXXX, these payments were made on time. Under federal law, all information furnished to consumer reporting agencies must be complete and accurate. This account has never been late, and I have attached documentation supporting my claim, including screenshots or copies of my XXXX XXXX XXXX reports, which confirm the correct payment history. I am requesting that you immediately investigate this matter and update the reported payment history for this account to reflect timely payments. If you are unable to verify the accuracy of the current negative reporting, I ask that you delete the account entirely from my credit file. Please confirm receipt of this dispute and notify me of the results of your investigation, as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: SC

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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$22000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
This credit acceptance collection was paid in full. 
You violated the United States Code, 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, by accessing and/or using my consumer report without a legally permissible purpose as defined under federal law. 

Under this section of the Fair Credit Reporting Act ( FCRA ), a consumer report may only be furnished under specific conditions, such as with my written authorization, in connection with credit transactions I initiated, or for other narrowly defined legal reasons. 

I did not authorize this inquiry or transaction, nor was there any permissible purpose that would lawfully allow access to my credit report. This constitutes a clear violation of my consumer rights under federal law. 

I am requesting that this matter be fully investigated and that appropriate enforcement actions be taken against the party responsible for this unauthorized access.

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 2025-07-14 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my XXXXredit score. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-07-14 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: CA

Complaint narrative:
I am a victim of identity theft. Despite previous disputes and deletions, fraudulent accountsspecifically the account with XXXX XXXX XXXX ( Account # XXXX ) have been reinserted into my credit report without any proper notice or legal compliance, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 



Violations Cited : XXXX. FCRA 611 ( a ) ( 5 ) ( B ) A credit reporting agency is required to notify the consumer within XXXX business days of reinserting any information previously deleted due to a dispute. This notification must also identify the furnisher of the information. 
XXXX. FCRA 605B [ 15 U.S.C. 1681c-2 ] Requires consumer reporting agencies to block fraudulent information resulting from identity theft once the consumer provides : Proof of identity, A police or FTC Identity Theft Report, A statement identifying the fraudulent information. 

Despite meeting these requirements, the fraudulent XXXX XXXX XXXX account was reinserted without compliance. 



Requested Resolution : XXXX. Immediate and Permanent Deletion of the XXXX XXXX XXXX account and any other fraudulent or disputed entries listed in my FTC Identity Theft Report from all credit bureaus. 
XXXX. Written confirmation of the deletion and assurance that no further reinsertion will occur without full FCRA 611 ( a ) ( 5 ) ( B ) compliance. 
XXXX. Full restoration of my credit file and credit score, removing the impact of fraudulent information. 
XXXX. Investigation into FCRA violations by the furnishers and credit bureaus for failing to notify me of the reinsertion. 
XXXX. Prevent future reinsertions unless lawful procedures are strictly followed. 
XXXX. Compensation for damages resulting from this unlawful reinsertion and emotional distress, if applicable. 



Documentation Attached : FTC Identity Theft Report ( dated XX/XX/year> ) List of fraudulent accounts Personal statement under penalty of perjury

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 2025-07-14 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:
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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX 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 : {$650.00} XXXX XXXX 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 : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : 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 2025-07-14 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: 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 explanation
Consumer complaint received 2025-07-14 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:
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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Identity theft was filed all these inquiries on my credit report is false information I have no know knowledge of XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Identity theft was filed all these inquiries on my credit report is false information I have no know knowledge of XXXX 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

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 2025-07-14 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: UT

Complaint narrative:
I have previously disputed Experian, Equifax and XXXX 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/year>, I went to the Truist Bank located at XXXX XXXX XXXX XXXX and spoke to bank XXXX XXXX XXXX ; XXXX XXXX had handled my account for years and I trusted her. I told her I was having a concern with a XXXX and the XXXX XXXX  XXXX XXXX. XXXX XXXX advised me to set up a business account and instructed me to withdraw {$7500.00} to fund the business account. XXXX XXXX stated the XXXX XXXX XXXX  location was closing and she could not complete the transaction there, so she drove me to the Truist Bank location at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Once there, XXXX XXXX instructed XXXX XXXX and XXXX XXXX to withdraw the {$7500.00} from my primary account and open a business account. XXXX XXXX gave me the receipt for the withdrawal. 

The next day I discovered that XXXX XXXX did not open the account as she had stated and I called her to find out what happened. XXXX XXXX avoided my calls and made different excuses regarding why we could not meet. I have text messages of the communications, including the demand to return my money immediately. I filed a complaint with Truist Bank and they did nothing, claiming XXXX XXXX no longer worked for them. XXXX XXXX, conspired with XXXX XXXX and XXXX XXXX to defraud me out of {$7500.00} and I want my funds returned to me. I am XXXX XXXX XXXX and worked hard to earn my retirement funds and should not be subjected to fraud. I trusted XXXX XXXX and was taken advantage of by her and her colleagues.Thank you in advance for helping me correct this matter. 

Respectfully XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7300.00}

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