vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB, I hope this message finds you well.

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-10-17 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: NJ

Complaint narrative:
On XX/XX/year>, I sent Portfolio Recovery Associates ( PRA ) a formal written Debt Validation Request via email and certified mail ( tracking number XXXX ) on XX/XX/XXXX, requesting full validation of an alleged XXXXXXXX XXXX account. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), PRA was required to cease all collection and reporting activity until they provided proper validation of the alleged debt. 

Despite this, on XX/XX/year>, PRA sent me another collection notice referencing the same alleged account and balance, which constitutes continued collection activity after written dispute and before providing validation. This violates the FDCPA and demonstrates that PRA is reporting and attempting to collect on an unverified debt. 

I have not received a signed original agreement, account-level documentation, or assignment proving PRAs ownership of this debt. Their letter simply restates balance information without proof, which is not sufficient legal validation. I am requesting that the Consumer Financial Protection Bureau review this matter and that PRA immediately delete any related tradeline from all credit bureaus and cease all collection activity for this unverified account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dispute the accuracy, completeness, and lawfulness of the following items in my TransUnion report ( corresponding to Items 121 above ). TransUnions file reflects additional issues : Affected by natural/declared disaster code on XXXX while still reporting delinquency without hardship documentation improper coding and consumer harm. 
XXXX ( two tradelines XXXX XXXX XXXX XXXX XXXX exhibit inflated delinquency counts ( XXXX ) inconsistent with other CRAs 607 ( b ) breach XXXX XXXX not supported by monthly codes . 
XXXX XXXX : As Agreed loan summarized as Negative must correct. 
XXXX Crd XXXX XXXX CO : XXXX absent, assignment chain missing, and balance/past-due math errors unverifiable under XXXX ( a ). 
Hard pulls ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  appear duplicative ; delete any lacking 604 authorization.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I am writing regarding an auto loan your company originated and/or reported under my name ( account showing balance {$17000.00}, opened XX/XX/XXXX, closed XX/XX/XXXX ). 

At the time this credit was extended, I was a debtor in an active federal bankruptcy proceeding under case XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX representatives have confirmed by phone that no motion to incur debt or notice to the Bankruptcy Court was ever filed or approved.

This constitutes an unauthorized post-petition debt under 11 U.S.C. 364 and a willful violation of the automatic stay under 11 U.S.C. 362 ( a ). Any reporting, collection, or repossession activity related to this debt is unlawful.

This company also filed a lawsuit against me and I was served by a police officer and embarrassed me the judge ultimately thru the case out Failure to comply will leave me no alternative but to file a Motion for Sanctions and Damages in the U.S. Bankruptcy Court and/or submit a complaint to the U.S. Trustees 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 non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I am writing regarding an auto loan your company originated and/or reported under my name ( account showing balance {$17000.00}, opened XX/XX/XXXX, closed XX/XX/XXXX ). 

At the time this credit was extended, I was a debtor in an active federal bankruptcy proceeding under case XXXX in the XXXX XXXX XXXX XXXX XXXXXXXX financial representatives have confirmed by phone that no motion to incur debt or notice to the Bankruptcy XXXXourt was ever filed or approved.

This constitutes an unauthorized post-petition debt under 11 U.S.C. 364 and a willful violation of the automatic stay under 11 U.S.C. 362 ( a ). Any reporting, collection, or repossession activity related to this debt is unlawful.

This company also filed a lawsuit against me and I was served by a police officer and embarrassed me the judge ultimately thru the case out Failure to comply will leave me no alternative but to file a Motion for Sanctions and Damages in the U.S. Bankruptcy Court and/or submit a complaint to the U.S. Trustees Office

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am writing regarding an auto loan your company originated and/or reported under my name ( account showing balance {$17000.00}, opened XX/XX/XXXX, closed XX/XX/XXXX ). 

At the time this credit was extended, I was a debtor in an active federal bankruptcy proceeding under case XXXX in the district of Idaho . XXXX XXXX  representatives have confirmed by phone that no motion to incur debt or notice to the Bankruptcy Court was ever filed or approved. 

This constitutes an unauthorized post-petition debt under 11 U.S.C. 364 and a willful violation of the automatic stay under 11 U.S.C. 362 ( a ). Any reporting, collection, or repossession activity related to this debt is unlawful.

This company also filed a lawsuit against me and I was served by a police officer and embarrassed me the judge ultimately thru the case out Failure to comply will leave me no alternative but to file a Motion for Sanctions and Damages in the XXXX Bankruptcy XXXX and/or submit a complaint to the U.S. Trustees 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT IS FRAUDULENT AND NOT ASSOCIATED WITH ME.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account entry shown is not aligned with my payment practices and seems incorrect. Kindly conduct a thorough review and remove it.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Summary BMO Bank Wrongfully Sent My Case to Collections After Mishandling My Funds Previous CFPB Case Number : XXXX I am filing a new complaint because my issue with BMO Bank has escalated after my prior case. 

After my original complaint regarding BMOs mishandling of my account and funds, BMO closed my account again and issued me a check for {$4000.00} on XXXX. This payment represented part of the funds that were originally held in my account and placed into their Unclaimed Department. 

However, on XXXX, I received a collection letter from XXXX XXXX XXXX XXXX claiming that I owe BMO money for an overpayment. This is entirely incorrect. 

Heres what happened : XX/XX/year> : I opened a BMO checking account online and funded it from my XXXX accountendinginXXXX. 

BMOs system incorrectly displayed the funding source as XXXX, which is not my account. 

The account was repeatedly locked due to internal system issues. 

XX/XX/year> : BMO sent a letter stating my account would close on XX/XX/year>, and that a certified check would be issued for the remaining balance. That check was never received. 

XXXX : BMO informed me that my funds were being held in their Unclaimed Department and that the originating bank must recall the funds. 

XXXX followed BMOs instruction and initiated a recall. 

After XXXX completed the recall, BMO sent me letters on XX/XX/year> and XX/XX/year> claiming that I overdrew {$7400.00}, even though my account had already been closed as of XX/XX/year> per their letter. 

I later received a remaining ( {$4000.00} ) from BMO on XX/XX/year>. 

On XX/XX/year>, BMOs debt was turned over to XXXX XXXX XXXX, who are now pursuing me for repayment of an overpayment that was never made. 

BMO has continually provided conflicting information, given incorrect instructions, and now damaged my credit reputation by sending my information to a collection agency for funds that were originally mine.

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 monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second time filing a complaint against the credit unions for allowing XXXXXXXX XXXX XXXX XXXX to report delinquency in my credit reports. Back in XXXX I opened complaints stating I could not reach them on the phone, I was locked out of my account online. They replied to the complaint on this site but still did not update my access to my account and send my current bills until XX/XX/XXXX stating that I was delinquent as of XX/XX/XXXX. I called them and finally got someone on the phone to assist and also updated my information. Why am I being reported delinquent when I did not receive timely notice. This company also did not choose to help my current status until I threatened refinance with another loan servicer. That have finally lowered the payment and offered discretionary forebearance but left two of my loans with 90 days delinquency as of XX/XX/XXXX which has once again dropped my score almost XXXX points. I would like it updated and removed to show the original date I received the bills which was XX/XX/XXXX. They also lied stating they called me and they did not, I have no missed call or voicemail that they called to advise I was delinquent. The rep is even stated they normally leave voice message and this was not done.

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