vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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 - XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against TRANSUNION and XXXX XXXX  for their continued failure to correct inaccurate information and incorrect balances on my credit report, despite being previously notified in writing. 

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), once a consumer disputes any information on their file, the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days. Additionally, 15 U.S. Code 1681s-2 ( b ) mandates that the data furnisher must also investigate the disputed information once notified by the bureau. Both parties have failed to uphold their legal obligations. 
WHY DO THEY NOT HAVE TO FOLLOW FEDERAL LAW? 
The account in question remains inaccurately reported, and neither the credit bureau nor the data furnisher has provided any verifiable documentation to substantiate the reporting. This is a clear violation of federal law. Continued reporting of unverifiable, inaccurate, or outdated information is unlawful and constitutes willful noncompliance. 

Please see attached. How can an account continue to receive late payments month after month when the account has been closed? Also it says that the account was closed then 7 days after the account was closed they received a payment from me.. 

I am demanding the permanent deletion of all inaccurate accounts associated with this complaint. If this matter is not resolved promptly, I will pursue all legal remedies available to me, including statutory damages of up to {$1000.00} per violation as permitted under 15 U.S.C. 1681n and 1681o. 

Please investigate and provide written confirmation of the deletion of these accounts 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 2025-06-07 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: NJ

Complaint narrative:
I filed a dispute with Experian and up until now it hasn't been resolved as I haven't been given proof the items should be reporting. 

I stated the following : This letter is my formal dispute that you are reporting inaccurate credit information that Ive been dealing with and you guys still havent corrected it. 

Again, I am requesting a METHOD OF VERIFICATION for the following items of information listed. Furthermore, I respectfully request to be provided with proof of the alleged item because the XXXX card was opened fraudulently by a former employee and I got stuck with the charges. I attached a police report to explain the process. Ive been dealing with this XXXX since XXXX  Just delete the negative item and stop hindering my personal progress and business for some information that isnt even mine. 

Creditor : XXXX Card Account Number : XXXX The XXXX XXXX  account had autopay that was messed up which was a result of XXXX XXXX fault and then I still got marked as late during the grace period. Update this information to paid on time never late. They didnt even follow proper procedure under 15 USC 1666b to even be able to report a late payment, so it needs to be paid on time, never late. 

Show me PROOF that you are contacting these furnishers or else they are violating 15 USC 1681s-2B for not doing a reasonable investigation.

Delete these negative items and issue me a new credit report showing they are deleted!

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 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
American Profit Recovery ( collection agency ) has put a debt collection on my XXXX XXXX Report. American Profit Recovery ( APR ) apparently was contracted by XXXX XXXX XXXX  located : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe allegation was that they provided a lawn service ( XXXX  ) on my yard and did not receive payment. This allegation was completely false or an computer error. I used XXXX XXXX XXXX  XXXX ( XXXX ) time and paid the Company ( XXXX ) directly after the service by a check ( {$240.00} ) attached to this report.I nerver used the Company service again. I do not know why a year later an employee from XXXX XXXX XXXX called a said I owe the Company {$300.00} dollars.I told them they are mistaken and this must be fraudulent call and/or a computer error. This back and forth went on for awhile. I asked the Company to prove I called them a second time for services.Also, these calls for appointments/services should be recorded. I did not initially enter into a binding agreement ; this was a one ( 1 ) time deal.XXXX XXXX XXXX  did not relent or wanted to submit proof. This was an act of extortion attempt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX. I am a current Chase Bank checking account holder. I have experienced fraud on this account and XXXX instances. I have since learned that it is a chargeback scheme where my personal information was accessed and documents were submitted to Chase stating services were rendered. Not only were service is not rendered This is from a law firm. I have my own legal council that has gone on the record to stipulate the dates in which the firm has been retained, which overlaps with this so-called additional attorney. I have submitted only XXXX documentation that was requested. Ive also followed up consistently with the bank asking what information they need. On a recorded line the response was if they need any information that will aid in my claim being approved they will reach out. This did not ever happen. Chase has never reached out to me regarding the claim ever and now they are stating that they can no longer assist this matter is serious because XXXX it involves fraud that the bank is not taking seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission. My grievance is directed towards Experian, Transunion, and Eqifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
Accounts XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$1400.00} 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 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 2025-06-07 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: AR

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX Certified letter mailed to Midland XXXX XXXX XXXX Request for Debt Validation for account XXXX. I mailed a letter to formally dispute the alleged debt accociated with my name and request vefirication of their claim to collect this debt. XXXX XXXX  XXXX credit card I never applied or accepted this card. I asked for them to provided Proffo of Ownership from XXXX XXXX  XXXX. Completed Payment History with payment and and all transacttion. Verification of balance and Midland support service right to collect the dated, On XX/XX/XXXX Mildland Credit mailed a letter stating that they received my letter requestion information and after reviewing accounts notes and information from the previous creditor they have concluded that their information is accurate. They are asking that I list the charges on the final statement that I am disputing. they did not provided any information and are continuing to collect on a debt that I am disputing and asking for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
XXXX XXXX, XXXX, XX/XX/XXXX 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-06-09 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
I am submitting a complaint about inaccurate credit reporting by XXXX XXXX XXXX related to a loan originally issued by XXXX XXXX. 

The account is being reported with the wrong open date ( XX/XX/XXXX ), when in fact the original loan was opened on XX/XX/XXXX. Additionally, the balance reported ( {$600.00} ) is not accurate. I previously disputed this account with XXXX  but the account was only marked as disputed and the information was not corrected. 

Attached is a PDF file with supporting documents including : - The original loan agreement showing the correct date. 
- Screenshots of my XXXX report with the errors. 
- The dispute result showing no correction was made. 

I request that this account be deleted or corrected immediately across all three credit bureaus ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: NH

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
What happened : On or around XX/XX/year>, I received a letter from Portfolio Recovery Associates , LLC ( PRA, LLC ) about a debt originally from XXXX  XXXX. In the letter, PRA, LLC clearly states that the statute of limitations to sue for this debt may have expired. 

Despite this, they continue to report the account to credit bureaus, affecting my credit unfairly. This may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The company is also using different names like Recovery Associates LLC and PRA, LLC, which makes it hard to identify and properly dispute the account. 

Finally, they sent the letter to my old address, even though Ive updated my information. This shows they are using outdated contact info, which is irresponsible and further questions the validity of their actions. 

I request this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IA

Complaint narrative:
Identity Theft improper use of account XXXX 5G HOME INTERNET PROMO TI

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX occasions I have filed XXXX disputes against Experian to remove a XXXX  from my credit report since I sent them copies demanding that they give me proof directly that they obtained this information directly from the court since the court responded to me with a letter stating that they do not share information with credit bureaus and also this dispute was made with XXXX  and they removed this XXXX  from my credit report because they could not verify it and there can be inconsistencies between credit bureaus.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 2025-06-07 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:
I recently reviewed my credit report and notice an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following date [ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ]. I am requesting you investigate this account and update these payment to paid on time immediately. Thank you fo you understanding and prompt action.

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