vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Requested via mail on XX/XX/year> for TransUnion Equifax and Experian to investigate and provide accuracy and completeness following these accounts on my credit report under the FCRA 1681i, 1681e ( b ) ,1681s-2 ( a ) and to submit to me all communication/documentation obtained during the investigation within 30 days or delete from my credit reports.

XXXX  - ( revolving account ) Dispute : dates payment history and comments inconsistent across all three agencies. 

XXXX  XXXX - ( installment account ) dispute balance term length and deferment status different across bureaus XXXX ( auto loan account ) dispute payment history last active date and dispute comments inconsistent across bureaus XXXX  - ( revolving account ) dispute dates high credit and payment history inconsistent XXXX XXXX XXXX XXXX installment account ) dispute payment history dates and comments and inaccurate/incomplete XXXX XXXX XXXX - XXXX XXXX account ) dispute payment status Dates and comments and consistent XXXX XXXX XXXX XXXX  ( installment accounts ) disputing payment history Payment status Last Reporting dates inconsistent across all bureaus XXXX  - ( credit line account ) dispute high credit last activity and comments inconsistent XXXX  - ( Collection account ) disputing account last active dates and comments differ across all bureaus State of XXXX - ( collection ) disputing last activity date and payment history inconsistent XXXX XXXX XXXX ( revolving account ) disputing high credit limits dates and payment history and consistent XXXX XXXX  ( charge account ) disputing high credit last active comments defer XXXX XXXX - ( Charge account ) disputing high credit last active comments pay history inconsistent XXXX XXXX  - ( revolving account ) disputing high credit limits less active payment dates comments payment history and consistent

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 2025-09-14 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: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax will not change my birth date to the correct date on my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Around the summer of XXXX  there were many accounts that were open up illegally in my name. One of the accounts was with XXXX XXXX XXXX XXXX XXXX in this account is now being represented by Calvary Portfolio Services with a balance of {$3700.00} I refuse to pay this debt and I want it removed from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-09-14 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am disputing a debt that PORTFOLIO RECOVERY is attempting to collect and report to the credit bureaus. The company has not provided proper validation of the debt. 
On XX/XX/year>, I sent a written request for validation, including documentation such as the chain of assignment from the original creditor, bill of sale, account-level documentation ( signed contract, account statements, and charge-off details ), proof of licensing and bonding in my state, and an itemized accounting of the balance. 
To date, the company has not provided the requested information. Without this documentation, I can not confirm that this debt is legally mine or that the company has the right to collect it. Despite this, the account continues to be reported negatively on my credit report, which is causing financial harm. 
I am requesting that the CFPB require the company to either ( 1 ) provide full validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), or ( 2 ) remove the account from all consumer credit reports and cease all collection activity until such validation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account does not belong to me. I did not authorize it. Block immediately under the FCRA. Do not proceed with the regular dispute process. Refer to FCRA section 605B. All required documents are attached. Please refer to my ID and bill. After speaking to the represent the account was opened in Texas with a Texas address. I never lived in Texas.

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 2025-09-14 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: PA

Complaint narrative:
This account does not belong to me. I did not authorize it. Block immediately under the FCRA. Do not proceed with the regular dispute process. Refer to FCRA section 605B. All required documents are attached. Please refer to my ID and bill. After speaking to the represent the account was opened in Texas with a Texas address. I never lived in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have been a customer with PNC for over XXXX  years I have experienced poor customer service a number of fraud incidents that Noone can fix I am closing my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
-- - CFPB/FTC/FDIC/XXXX AG Submission Enforcement & Settlement Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Email XXXX XXXX Date : XX/XX/XXXX To : CFPB, FTC, FDIC, XXXX  Attorney General Subject XXXX Enforcement & Settlement Demand FCRA Violations & Data Breach Harms Dear Oversight Agencies : I am submitting this complaint regarding ongoing FCRA violations and multiple confirmed data breaches affecting my personal information, including XXXX, XXXX, TransUnion, XXXX, XXXX XXXX XXXX, and my accounts with XXXX XXXX. Despite prior disputes, sworn affidavit submissions, and CFPB complaints ( ID : XXXX ), my credit reports continue to reflect : Late payments ( including XXXX  XXXX ) Derogatory accounts Unauthorized inquiries This constitutes willful noncompliance with FCRA ( 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681n, 1681o ) and exposes the bureaus and XXXX  XXXX to statutory, actual, and punitive damages. 

Demands XXXX. Immediate deletion or correction of all inaccurate, late, and derogatory items. 


XXXX. Direct negotiation with me regarding statutory, actual, and punitive damages. 


XXXX. Written confirmation of full resolution and correction of all breach-related inaccuracies. 



Failure to comply will result in federal and state litigation and public exposure via media and social media platforms. 

Identifying Information Full Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN ( Last XXXX digits ) : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Exhibits : Sworn affidavit, breach emails/screenshots ( XXXX, XXXX, TransUnion, XXXX, XXXX XXXX XXXX XXXX ), dark web scan evidence, credit report screenshots. 


-- - Respectfully, 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 2025-09-14 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$1000.00} -Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$1400.00} -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  -Balance {$4400.00} -Date XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
In the XXXX  of 2022 a bunch of credit cards were opened up and charged up illegally in my name among those credit cards where cards with XXXX XXXX  care of absolute resolutions investment and with XXXX XXXX XXXX XXXX XXXX XXXX, which is with the collection agency XXXX XXXX XXXX. I complained the original creditors and all they did was send the accounts to collection agencies. These collection agencies are affecting my credit and despite many disputes that that's remain on my credit report with XXXX  and XXXX. I want both XXXX XXXX  and XXXX XXXX  to remove these accounts from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: OH

Complaint narrative:
Complaint Summary I am filing this complaint because Equifax Information Services, LLC has willfully violated the Fair Credit Reporting Act ( FCRA ) by unlawfully re-inserting a previously deleted XXXX XXXXXXXX account on my credit file without compliance with federal law. 

Details of the Violation Account Information Creditor : XXXX XXXXXXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection/Charge-off Prior Deletion This account was previously disputed and deleted from my Equifax credit file as inaccurate/unverifiable under FCRA 611 ( a ).

Unlawful Reinsertion Equifax reinserted this account without providing the legally required written notice within 5 business days under FCRA 611 ( a ) ( 5 ) ( B ).

I received no notice at all.

FTC Identity Theft Report I submitted an FTC Identity Theft Report, which obligates Equifax under FCRA 605B to permanently block fraudulent or unverifiable information.

Equifax ignored this obligation and unlawfully reinserted the XXXX XXXX account. 

Damages My credit score dropped more than XXXX points due to this reinsertion. 

I have suffered denial of credit, higher interest rates, reputational damage, and emotional distress. 

Violations of Law FCRA 611 ( a ) ( 5 ) ( B ) : Failure to notify consumer within 5 business days of reinsertion.

FCRA 605B : Failure to block fraudulent/unverifiable information after FTC Identity Theft Report.

FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance with consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Glacier Bancorp Inc.
State: WA

Complaint narrative:
I have been attempting to cancel my subscription with XXXX for several months with no luck. The company won't respond to my messages and won't stop charging my account {$12.00} every month. Any guidance on their website to cancel is only through an XXXX account or through XXXX- neither of which was how I signed up, so are not helpful for me. I disputed one charge through my bank a few months ago, and was approved. I had not been told that they would not be doing a stop payment on the charge, which I had assumed was only natural, as that's what other banks ( ie XXXX XXXX  ) will do when disputing a charge. I called back again a couple of months later after finding more charges and still unsuccessfully attempting to cancel my subscription with the merchant. I disputed XXXX more charges, but this time was denied due to the merchant 's terms and conditions? I was ACTIVELY attempting to cancel and being ignored by the merchant. So now I just get to LET them charge my account? I called the bank to appeal the denial and was told that they don't appeal denied disputes? I don't believe that's legal under Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: PR

Complaint narrative:
I am disputing the reporting of account XXXX because the information being reported is inaccurate and inconsistent across the three credit bureaus.

TransUnion shows the account as Derogatory but reports no payment history.

Experian reports multiple late payments ( 30, 60, 90 days past due ) after the account was closed in XXXX, which is impossible and misleading.

Equifax reports the account as a Paid charge-off but lists different balances, dates, and statuses than the other bureaus. 

I previously disputed this account with the credit bureaus, but the company failed to provide proper verification or correct the errors. The reporting remains inaccurate, incomplete, and unverifiable, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be corrected or permanently deleted from my credit file, since the company can not demonstrate that the reported information is 100 % accurate and verifiable.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains a hard inquiry ( XXXX, XX/XX/year>2025 ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this inquiry in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the inquiry, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized inquiry When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial XXXX  and embarrassment.

Company response to consumer: Closed with non-monetary relief