vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please check all data To Remove all information that was included in Equifax data breach its causing harm across all XXXX reports because the information report to XXXX bureaus please stop reporting this information and remove and block it which includes the attached evidence that Equifax removed the information and it need the match scores all XXXX reports

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am filing this complaint because PNC Bank N.A . has failed to respond to my identity theft dispute and has continued to report fraudulent accounts that does not belong to me. 

Over XXXX days ago, I submitted a written dispute directly to PNC Bank regarding an account that was opened without my knowledge or authorization. Along with my dispute, I provided my FTC Identity Theft Report, proof of identity, and documentation confirming I am a victim of identity theft. I requested full validation of the alleged debt and asked for the immediate removal of this fraudulent account. 

To this day, PNC Bank has not provided any response, verification, or documentation supporting the accounts they are attempting to report. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, PNC Bank is required to investigate disputes and provide validation within the legally mandated timeframe. Ignoring my dispute for more than 55 days is a direct violation of those rights. 

These accounts do not belong to me, I did not open it, and I have supplied all required identity-theft documentation. Because PNC Bank failed to investigate or validate the debt within the legal timeframe, I am requesting that the CFPB take action to ensure this fraudulent account and any related negative reporting are permanently removed. 

PNC Banks failure to investigate has caused significant harm to my credit, financial stability, and my ability to obtain housing and essential services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Meta Payments Inc.
State: CA

Complaint narrative:
Subscribe enroll and register please and thank you also addCd and ACH transfer payment from checking in to savings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me.

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 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: SC

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me.

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 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:
The Fair Credit Reporting Act ( XXXX 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 2025-11-21 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: FL

Complaint narrative:
TransUnion is reporting multiple inaccurate, unverifiable, and fraudulent items and refused to correct them after my dispute. TransUnion did not provide any method of verification as required under FCRA 611. 

Issues include : XXXX FRAUDULENT account XXXX Re-aged charge-off XXXX XXXX XXXX Unverifiable charge-off XXXX XXXX XXXX Inaccurate late payments TransUnions reporting contains inconsistencies , duplicated derogatory entries, wrong dates, and missing required XXXX XXXX fields. TransUnion failed to perform a legally compliant investigation and continues to report false information. I request CFPB intervention and deletion of all unverifiable accounts.

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 2025-11-21 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: PA

Complaint narrative:
I am still seeing these inaccurate accounts on my credit report and they were not taken out at all. I am urgently asking that the documents I provided be examined with serious attention so I can finally stop stressing over this situation.

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 2025-11-21 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: WI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-21 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: IL

Complaint narrative:
I am filing this complaint because a fraudulent account is being reported on my credit file, and the XXXX XXXX XXXX has refused to remove or block it despite receiving my FTC Identity Theft Report, supporting documents, and multiple written disputes.

These account does not belong to me. I did not open it, authorize it, sign for it, or benefit from it. It is the result of identity theft. I submitted a valid identity theft report under FCRA 605B ( 15 U.S.C. 1681c-2 ) and requested that the account be blocked and removed. Under federal law, the credit bureau was required to block this identity-theft-related information within XXXX business days, but they failed to do so. 

Accounts as a result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Instead, they continued to report the fraudulent account without providing any legally valid verification, which is a direct violation of : FCRA 605B Failure to block identity theft information FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification FCRA 623 Reporting inaccurate information The credit bureau claims they verified the account, but they have refused to provide the legally required Method of Verification , including : The name and contact information of the person they contacted The method and data used to verify A copy of the original application with my signature Proof that I opened or authorized the account They have provided no such documentation.

Billing statements, screenshots, or generic account summaries are not verification under FCRA, and none prove that I opened this account. 

Their failure to block this identity-theft account and their continued reporting of inaccurate information is causing ongoing financial harm, emotional stress, and damage to my creditworthiness.

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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
Ally financial has conspired to deprive me right to know where the assignments of my collateral notes are being held and the satisfaction of the debt obligations from the value of the bearer securities of the note pursuant to 12 USCS 412. They have also conspired under Title 18 USCS 241 to deprive me of my right to know that the loan given by the collateral notes were satisfaction of the loan agreement as a cash valued financial instrument, and have refused to correct their billing errors to reflect payments and satisfaction of the contractual agreement. They have used threat, duress and extortion to intimidate me into sending them money or they will repossess the vehicle, without validation or evidence of a debt being owed, Pursuant to Title 15, Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding several derogatory marks and collection accounts that have been reported on my credit file. I want to express not only the factual issues but also the personal hardship these negative entries have caused me. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I understand that I have the right to fair, accurate, and verifiable reporting of information on my credit report. I believe some of the entries listed are either incomplete, inaccurate, or do not meet the standard of proper verification. 

I have been facing serious financial difficulties that have made it impossible for me to keep up with these debts. I am not trying to avoid my responsibilities, but life circumstances have placed me in a position where I simply can not pay these balances at this time. These derogatory marks are now preventing me from moving forwardaffecting my ability to secure stable housing, reliable transportation, and basic financial opportunities. 

I am kindly requesting that the CFPB review my situation and assist in ensuring that the information reported about me is fully compliant with the requirements of the FCRA, including accuracy, completeness, and proper verification. I also ask for your help in ensuring that the creditors or collection agencies involved can provide documented proof that the debts are valid and being reported correctly as required by law. 

Im not just a file number or a credit report entryIm a person trying to rebuild and regain stability. These negative marks are weighing heavily on my ability to do that. Any assistance, investigation, or intervention your office can offer would mean a great deal to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding several derogatory marks and collection accounts that have been reported on my credit file. I want to express not only the factual issues but also the personal hardship these negative entries have caused me. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I understand that I have the right to fair, accurate, and verifiable reporting of information on my credit report. I believe some of the entries listed are either incomplete, inaccurate, or do not meet the standard of proper verification. 

I have been facing serious financial difficulties that have made it impossible for me to keep up with these debts. I am not trying to avoid my responsibilities, but life circumstances have placed me in a position where I simply can not pay these balances at this time. These derogatory marks are now preventing me from moving forwardaffecting my ability to secure stable housing, reliable transportation, and basic financial opportunities. 

I am kindly requesting that the CFPB review my situation and assist in ensuring that the information reported about me is fully compliant with the requirements of the FCRA, including accuracy, completeness, and proper verification. I also ask for your help in ensuring that the creditors or collection agencies involved can provide documented proof that the debts are valid and being reported correctly as required by law. 

Im not just a file number or a credit report entryIm a person trying to rebuild and regain stability. These negative marks are weighing heavily on my ability to do that. Any assistance, investigation, or intervention your office can offer would mean a great deal to 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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union ( NFCU ) has failed to respond to my identity theft disputes and continues to report multiple fraudulent accounts that I did not open and did not authorize. 

Over 55 days ago, I submitted a formal written dispute to Navy Federal regarding several accounts that were opened in my name without my knowledge or consent. With my dispute, I provided my FTC Identity Theft Report, proof of identity, and all required supporting documentation confirming that I am a victim of identity theft. I requested full validation for each alleged debt and asked for the immediate removal of all fraudulent accounts from my credit file. 

To this day, Navy Federal has not provided any response, verification, documentation, or investigation results for any of the disputed accounts. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, Navy Federal is required to investigate consumer disputes and provide validation within the legally mandated timeframe. Ignoring my disputes for more than 55 days is a direct violation of my rights.

These accounts are not mine, I did not authorize them, and I have supplied all required identity-theft documentation. Because Navy Federal failed to investigate or validate the debts within the required timeframe, I am requesting that the CFPB intervene immediately to ensure all fraudulent accounts and related negative reporting are permanently removed. 

Navy Federals failure to act has caused significant harm to my credit, financial stability, and my ability to secure housing and essential services.

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 2025-11-21 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:
Please investigate the following account ( s ), as the information listed is inaccurate, unverifiable, outdated, or incomplete. I request that these items be permanently deleted from my credit file if they can not be verified or corrected promptly.

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