vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: ND

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 2025-11-08 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX is reporting my account as " late '' when this is false. I have paid on time for XXXX months in a row which can easily be verified.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX is reporting my account as " late '' when this is false. I have paid on time for XXXX  months in a row which can easily be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
I disputed a XXXX XXXX XXXX  ( Case # XXXX ) that TransUnion reported as verified on XX/XX/year>. Equifax deleted the same record after determining it was unverifiable through XXXX, a third-party vendor that is not the original source of public record data.

Under 15 U.S.C. 1681i ( a ) and 1681e ( b ) of the Fair Credit Reporting Act, TransUnion is required to conduct a reasonable reinvestigation and verify data with the original source, which in this case is the XXXX XXXX  XXXX in XXXX, XXXX TransUnion instead relied on XXXX and failed to provide the Method of Verification I requested, violating my rights under 1681i ( a ) ( 7 ).

I am requesting CFPB assistance to ensure TransUnion deletes the inaccurate bankruptcy record, confirms it will no longer verify through third parties, and provides documentation showing how the data was verified.

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 2025-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
On XX/XX/XXXX, I vacated my apartment at XXXX XXXX XXXX ( XXXX  XXXX ) after delivering written notice of early lease termination due to ongoing, severe disturbances in violation of my lease agreement and Arizona law ( A.R.S. 33-1361 ). From XXXX through XX/XX/XXXX, I submitted XXXX written complaints and placed XXXX phone calls to onsite security regarding disruptive behavior from a neighboring tenant that caused walls to shake and pounded loud enough to interfere with my sleep and personal well-being often during Arizona quiet XXXX ( XXXXXXXX XXXX XXXX XXXX ). 

Despite my repeated complaints, XXXX XXXX XXXX failed to remedy the issue or enforce the lease terms against the offending tenant, which I believe constitutes material noncompliance. I notified management in writing of my intention to terminate the lease and vacated the unit on XX/XX/XXXX. Prior to moving out, I also submitted a written request for them to acknowledge preexisting damage to the carpet ( photographed and documented during move-in ), which I had originally reported shortly after my lease began. 

On XX/XX/XXXX, I received a move-out statement charging me {$2100.00} for lease termination, {$390.00} for carpet cleaning, and other miscellaneous charges. I immediately disputed the charges in writing, citing A.R.S. 33-1361 and providing documentation of the disturbances and carpet condition. The property manager and their attorney refused to waive the charges. 

Shortly thereafter, without validating the debt in writing, they forwarded the account to collections with XXXX Receivables. On XX/XX/XXXX, Property Receivables sent me a vague itemized statement showing a balance of {$860.00}, which included : {$710.00} for Termination / Cancellation Fee Income Residential {$90.00} for Damages / Cleaning Fee Income {$21.00}, {$14.00}, and {$12.00} listed as XXXX  XXXX  Income ( not explained ) {$4.00} for a Convenience Fee This is not sufficient debt validation under the Fair Debt Collection Practices Act ( FDCPA ), and the collector failed to provide copies of the lease, invoices, or detailed evidence supporting these amounts. I disputed the debt in writing and requested full validation. 

Despite this, Property Receivables continued to attempt collection and has since reported the account on my credit report, negatively affecting my credit standing. They have never provided proper written validation as required by law before continuing collection activity or reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: KEYCORP
State: OH

Complaint narrative:
Been a keybank customer for over XXXX yrs. I have a HELOC loan. Made payments in XXXX. Didn't realize I missed a partial payment. Made a full payment on XXXX. Keybank dinged my credit XXXX points, ruining my credit. I made sure that by XX/XX/year> my account was up to date. Keybank needs to make adjustments to my credit reporting agencies to reflect this and ensure my rating goes back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NY

Complaint narrative:
Hello Transunion! 

I am reaching out in regards to my credit profile. There has been a misunderstanding, some of my personal information is incorrect. I noticed that there are addresses that I do not live at. That being said, I do feel that Transunion has put my personal information at risk and can be compromised. I have attached to this letter my ID, and proof of my current address so that we both are on the same page moving forward. I also will be including other personal information that should not be on my report. 

INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once the incorrect information is deleted off my report, send me the results WITH a UPDATED credit report. I will be keeping track of all our correspondences. 


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 2025-11-08 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: LA

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit reports from Experian ( Report XXXX. XXXX ), Equifax XXXX and TransUnion XXXX I discovered multiple fraudulent or unauthorized inquiries and several inaccurately reported accounts that remain despite previous disputes. 
I submitted disputes to all three bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ) 611 and 623, requesting a reinvestigation and verification of each item. None of the bureaus provided proof of authorization or corrected the inaccurate information within the required timeframe. 
Fraudulent or Unauthorized Inquiries The following inquiries were not authorized or initiated by me and appear to be the result of fraud or identity theft : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX25 Ally Financial 10XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX I have no record or recollection of applying for credit or authorizing these inquiries. I have requested that each bureau provide proof of permissible purpose under FCRA 604 ( a ) ( 3 ), but no documentation has been provided. 
XXXX or Inaccurately Reported Accounts ( Experian Report XXXX. XXXX, dated XX/XX/XXXX ) XXXX XXXX XXXX XXXX Account Type : Auto Loan Status : Paid, Closed ( as of XX/XX/XXXX ) Issue : This account was fully paid and closed, yet it continues to report XXXX, XXXX, and XXXX delinquencies prior to closure. These delinquencies appear inaccurate and unverifiable. 
XXXX XXXX XXXX Account Type : Secured Loan Status : Charged Off ( {$530.00} written off ) Issue : I do not recognize authorizing or opening this account. I have not received any signed contract or validation proving this debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint regarding a fraudulent debt that has been incorrectly attributed to me and the unlawful actions and harassment by the debt collector involved in this matter. 

I am a victim of identity theft. A loan was fraudulently opened in my name without my knowledge or authorization. I filed a police report on XX/XX/year>, documenting the identity theft. Soon after, I discovered that a lawsuit had been filed against me based on this fraudulent debt. 

Before I was aware of the lawsuit, a default judgment was entered against me. Upon learning of the judgment, I filed a motion to dismiss on XX/XX/year>, and appeared in court on XX/XX/year>, and again on XX/XX/year>, to provide proof that the debt does not belong to me. I presented the police report and supporting documentation to the court confirming that I did not authorize or receive the loan in question. 

The debt collector later sent me an image of a check for a loan amount of {$7000.00} that supposedly supports their claim. However, the signature on the check is not mine, further confirming that this debt was obtained fraudulently. Additionally, Experian is reporting the same debt in the amount of {$8300.00}, which is inconsistent with the information provided by the debt collector and raises further concerns about the accuracy and legitimacy of the reporting. 

Despite being informed XXXX XXXX that I am a victim of identity theft and that the debt is fraudulent, the debt collector has continued to contact me using threatening and harassing language. They have stated that they would garnish my wages and damage my credit if I did not pay the debt. I have made several attempts to communicate with the debt collector and to resolve this matter, but their conduct has continued and the account remains on my credit report. 

These actions have caused me significant emotional distress, reputational damage, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on My Credit ReportXXXXXXXXDear Equifax,XXXXI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.XXXXDisputed Account Details:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:XXXXn\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint regarding a fraudulent debt that has been incorrectly attributed to me and the unlawful actions and harassment by the debt collector involved in this matter. 

I am a victim of identity theft. A loan was fraudulently opened in my name without my knowledge or authorization. I filed a police report on XX/XX/year>, documenting the identity theft. Soon after, I discovered that a lawsuit had been filed against me based on this fraudulent debt. 

Before I was aware of the lawsuit, a default judgment was entered against me. Upon learning of the judgment, I filed a motion to dismiss on XX/XX/year>, and appeared in court on XX/XX/year>, and again on XX/XX/year>, to provide proof that the debt does not belong to me. I presented the police report and supporting documentation to the court confirming that I did not authorize or receive the loan in question. 

The debt collector later sent me an image of a check for a loan amount of {$7000.00} that supposedly supports their claim. However, the signature on the check is not mine, further confirming that this debt was obtained fraudulently. Additionally, Experian is reporting the same debt in the amount of {$8300.00}, which is inconsistent with the information provided by the debt collector and raises further concerns about the accuracy and legitimacy of the reporting. 

Despite being informed XXXX XXXX that I am a victim of identity theft and that the debt is fraudulent, the debt collector has continued to contact me using threatening and harassing language. They have stated that they would garnish my wages and damage my credit if I did not pay the debt. I have made several attempts to communicate with the debt collector and to resolve this matter, but their conduct has continued and the account remains on my credit report. 

These actions have caused me significant emotional distress, reputational damage, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased a vanilla visa gift card at XXXX, I activated the card then attempted to purchase something XXXX it was declined and vanilla visa suspended the card for being declined the company stated that it was compromised do to the declined transaction and that they would have to mail me a new card, XXXX days later I received my replacement card I made a few transactions online and in store .. the last transaction I made was at XXXX XXXX pickup order it went through but the location did not have all my items so I chose to cancel my order immediately after this vanilla visa placed my card on hold again within the same day .. for a order that I purchased that I requested for it to be canceled there's no justification for this company to do any such thing this company is bad business and such behavior should not be tolerated this is my money that I paid for I paid for this card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple collection accounts being reported to my credit file without my authorization or knowledge. I have disputed several of these items with the credit bureaus, yet they remain or have been reinserted without proper verification, in violation of the Fair Credit Reporting Act ( FCRA 611 & 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807 ). 


These accounts are causing serious harm to my credit profile and are inaccurate or potentially fraudulent. The accounts are listed below : Portfolio Recovery Associates {$430.00} ( Reported XX/XX/year> ) XXXX XXXX XXXX {$170.00} ( Reported XX/XX/year> ) XXXX XXXX XXXX {$850.00} ( Reported XX/XX/year> ) XXXX XXXX XXXX {$480.00} ( Reported XX/XX/year> ) XXXX XXXX XXXX {$1100.00} ( Reported XX/XX/year> ) XXXX  Amount unknown I have no knowledge of these accounts, have never authorized any of them, and have previously disputed some with the credit bureaus. These companies have not provided any evidence or original documentation proving that I am responsible for these debts. Despite this, they continue to report negative information, which is both inaccurate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief