vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

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 2025-06-02 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: FL

Complaint narrative:
Subject : Formal Complaint Violations of Consumer Rights by Portfolio Recovery Associates To Whom It May Concern : I am submitting this formal complaint against Portfolio Recovery Associates for reporting false, misleading, and damaging information on my credit file, which is negatively affecting my credit score and financial opportunities. The reporting of this collection account is inconsistent, inaccurate, and in violation of multiple federal consumer protection laws.

What Is Happening : Balance Reporting Inconsistencies : The reported balance is {$2100.00} ( XXXX and XXXX  ) and {$2100.00} ( XXXX  ) this discrepancy, although minor, reflects poor and inaccurate data handling between the bureaus. 

Status Conflicts : XXXX  reports the account as Open. 

Experian and TransUnion list it as Closed. 

These status inconsistencies cause confusion and unfair derogatory impact. 

Inconsistent Account Details : Last Activity is dated differently across bureaus : XX/XX/year> ( XXXX  ), XX/XX/year> ( XXXX  ), XX/XX/year> ( XXXX  ). 

TransUnion includes the note Dispute Resolved Subscriber Disagrees, even though the account contains materially inaccurate reporting. 

There are repeated notations of CO ( Charge-Off ) and 120-day late payments, even after a dispute was supposedly resolved. 

Dispute Mishandling : The dispute was not properly reinvestigated, and Portfolio Recovery has failed to provide proper validation of the debt under federal law. The original creditor listed is XXXX XXXX, but no documentation has been furnished verifying the accounts ownership, itemization, or validation of charges per FDCPA guidelines. 

Laws Being Violated : Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681s-2 ) Inaccurate and conflicting information is being reported.

Failure to perform a reasonable reinvestigation of my dispute.

Truth in Lending Act ( TILA, 15 U.S. Code 1601 et seq. ) The failure to properly disclose account details and resolve discrepancies misleads future creditors.

Gramm-Leach-Bliley Act ( GLBA ) Mishandling of consumer financial information and failure to maintain accurate records with adequate safeguards.

Equal Credit Opportunity Act ( ECOA ) These inaccurate derogatory reports are preventing access to fair lending opportunities and capital.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ) The collector failed to provide proper debt validation upon request. 

Continued collection and reporting of a disputed debt without proper verification constitutes harassment and misrepresentation under FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I reviewed my credit report and found and overdue charges from Radius Global Solutions that they were trying to collect for XXXX XXXX XXXXXXXX I contacted them that this was not my 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
In XX/XX/year> a reoccurring charge defaulted to my Tjmxx MC without my knowledge. I do not use this cc. I was made aware via an email which looked like a Tjmxx ad in XXXX or XXXX. I did not click on it. I recvd a 2nd email and decided to investigate. The charge was legit, it was a subscription I had XXXX  that was connected to my XXXX XXXX. Somehow the charge defaulted to this Tjmxx MC. I paid the charge but not the late fee or interest, so of course every month I get a new late fee statement now ( actual paper ) and more interest charges. Ive had many accts with synchrony bank over 20-30 years, I have excellent credit. Ive called and written them but of course no response. Ive sent a final letter today noting that I will not pay and this is my last attempt at correspondence with them.

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 2025-06-02 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/year> we sold our home and paid off the mortgage in full. XX/XX/year> after reviewing credit reports from the ( XXXX ) main agencies, all ( XXXX ) were erroneously reporting that the account was " Paid/closed. XXXX ( or more ) days past due ''. Since XX/XX/year> I have contacted Wells Fargo ( the mortgage holder ) numerous times. Every time I am given verbal confirmation that the account was never past due and in good standing at time of closure. I have been reassured each time that the information would be reported accurately to the credit bureaus. As of today, 8 months later, only XXXX of the credit bureaus has updated their reporting to reflect correctly " Paid/closed. Never late ''. Every time I call to resolve the issue, a new investigation is opened with the same results... nothing happens. It is the legal responsibility of the creditor to accurately report the information to the credit bureaus. The inaction on their part is continuing to negatively impact my credit rating.

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 2025-06-02 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: NY

Complaint narrative:
My information was used without my permission to sign up for a solar panel lease. I filed a police report for identity theft and provided it to both the company and Experian. However, the company refuses to take my name off of the account and Experian failed to conduct a proper investigation into my complaint. I've since filed a complaint with the Attorney General 's office.

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing this formal complaint against the following companies for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Credit Reporting Agencies : XXXX  and XXXX  Debt Collection Agency : LVNV Funding / Resurgent Capital Services Background : An account originally from XXXX XXXX XXXX, now reported and collected by LVNV Funding, was fraudulently opened in my name. The account details are as follows : Opened : XX/XX/XXXX Amount : {$750.00} Reporting Collector : LVNV Funding XXXX Resurgent Capital Services I did not authorize or open this account. I was living in XXXX from XXXX until XXXX, and this account was opened and used without my knowledge or consent.

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I submitted a formal identity theft dispute to XXXX, XXXX, and XXXX. I provided all required documentation : My FTC Identity Theft Report A copy of my government-issued ID A written, signed statement requesting the fraudulent account be blocked Despite this, the account has not been removed in a timely manner and remains visible on my credit reports. In addition, LVNV Funding has continued to report and collect on this account, in violation of : FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Furnishers must not report fraudulent accounts once notified.

FDCPA ( 15 U.S.C. 1692g and 1692e ) Continued collection efforts on a disputed debt and misrepresentation are prohibited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX  XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$33000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I've filed a dispute for a credit card that does not belong to me from Bank of America. The results provided by BOA on XXXX, XXXX stated that Therefore, we are unable to comply with your request to change the history associated with your credit card account as reported to your credit file., meaning I opened a checking account on XX/XX/XXXX, and I opened the credit card. However, it was not me. Based on the report, the account ends in XXXX. I need BOA to re-investigate my case. If this person only shares my name but with different SSN, then the report BOA uploaded on CFPB is not correct. 

I also contact BOA again with claim # XXXX and/or case number # XXXX. The agent can not open the account because my SSN does not match. The contact information provided in the report can not be reached. Please help.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
On XX/XX/year>, I filed a formal complaint with the CFPB ( XXXX XXXX. XXXX ) regarding a {$510.00} telecommunications debt that appeared under XXXX XXXX XXXX. I disputed this debt due to never receiving a validation notice or any prior communication, as required by 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

On the same day, I contacted XXXX by phone and online chat, attempting to pull up any account tied to my name or former service. XXXX confirmed they had no record of an active or past-due account in my name, nor any balance that had been transferred to collections. Following my dispute, XXXX closed the account and sent written confirmation stating they had not reported the debt to any credit bureau. The CFPB marked the case Closed with non-monetary relief. 

However, this same debt has now reappeared under a new agency, Credence Resource Management, and is again being reported to the credit bureausthis time listing Credence as the original creditor, with no new communication, validation, or legal notice sent to me. I never received a debt validation letter from Credence nor any opportunity to dispute the debt prior to reporting, which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ), which requires that previously disputed, unverified, or inaccurate information be corrected or deleted.

Credences actions also violate 15 U.S.C. 1692e ( 8 ) by reporting a debt they knew or should have known was previously disputed and unresolved, without noting the dispute status.

Under Indiana law, this may constitute a violation of the Indiana Deceptive Consumer Sales Act ( Ind. Code 24-5-0.5-3 ), which prohibits suppliers from misrepresenting a consumer 's legal obligations in a transaction, including debts that are unenforceable, discharged, or fabricated.

The re-reporting of this debtalready disputed, closed, and confirmed as uncollectiblehas serious financial consequences, and appears to be an effort to circumvent the original resolution by changing collection agencies without legal justification. This is a violation of both my federal and Indiana consumer rights. 

I am requesting immediate investigation and removal of this entry from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation