vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: GA

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 : [ XXXX XXXX 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 2025-08-28 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:
I constantly check my credit report and noticed that the errors and false misleading information for individual account didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these item below. 
XXXX XXXX XXXX XXXX Balance {$12000.00}

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute of a fraudulent account reported on my credit file. I never authorized, opened, or engaged with this account. Its presence is a misrepresentation of my financial history and is unjustly damaging my credit standing.

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 2025-08-28 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account Number : XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Account Type : Business Savings Accounts XXXX XXXX XXXXXXXX Accounts for Security Deposits. 

I am formally requesting immediate regulatory intervention regarding TD Bank, XXXX XXXX branch, which is withholding funds deposited into three business savings accounts used as XXXX XXXX accounts for security deposits.

Critical Facts and Timeline : XX/XX/year> I opened these three accounts. At the time, I was not informed that deposited funds could be unavailable or withheld, which constitutes a failure to disclose critical account terms and potential misrepresentation. 

XX/XX/year> I met with branch manager XXXX, who stated she would release the funds but could not provide any legal justification for the hold. 

Follow-up Phone Contact On contacting TD Banks small business support line ( XXXX ), representative XXXX confirmed the hold originated from the North XXXX XXXX and is not mandated by TD Bank nationally . 

Branch Refusal to Identify Authority When I pressed XXXX to provide the legal basis or identify the department authorizing the hold, she cited only internal TD Bank policy, without documentation or legal authority. However, she refuses to release the fund. 
Escalation Promised The branch promised to escalate to the legal department, yet the funds remain unavailable. 

There is no lawful reason for a national bank to withhold deposited funds without notice or legal authority. Arbitrary withholding violates federal regulations concerning availability of funds and fiduciary responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TN

Complaint narrative:
On XX/XX/scrub> 2025, XXXX XXXX, 2025, XX/XX/year>2025, XX/XX/scrub> 2025, XXXX  XX/XX/year>2025, XX/XX/scrub>, 2025 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-08-28 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: TN

Complaint narrative:
On XX/XX/scrub> 2025, XXXX XXXX, 2025, XX/XX/year>2025, XX/XX/scrub> 2025, XXXX  XX/XX/year>2025, XX/XX/scrub>, 2025 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Know knowledge of this account never did business with this company information does not match also capital one the original creditor removed this account from my credit as well finding inaccurate account and was identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX issued by Continental Finance. I was making regular payments on my account, but Continental Finance repeatedly returned my payments without notice or explanation. Despite my good-faith attempts to pay, the company refused my payments and did not contact me about any issues with my account. 

I also called my XXXX XXXXXXXX XXXX  and they never received an attempt of payment, I can provide on my surge account every single time I paid. The account on the surge card was correct. It was a failure on their end. 

As a result, my account has been reported negatively to the credit bureaus. This is unfair, inaccurate, and damaging to my credit. I never received written notification of account closure, charge-off, or restrictions, and my payments should not have been rejected without explanation. 



I am requesting that Continental Finance : Provide documentation explaining why my payments were returned.

Correct all inaccurate or unfair negative reporting to XXXX XXXX XXXX XXXX  
Provide me with written verification of the accounts current status.

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 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CreditNinja Lending, LLC
State: FL

Complaint narrative:
I've applied on 3 occasions and have been pre approved for XXXX  amount. In the final step it requests that you enter your routing and account number via Plaid each time I've tried with 3 different bank accounts which are large banking institutions XXXX XXXX XXXX XXXX XXXX XXXX each one of my bank accounts have been declined saying they're not acceptable accounts. I find that the practices by Credit Ninja as deceptive along with causing harm to my credit, because now they've already ran my credit and mark it but unwilling to accept any banking institutions.

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 2025-08-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and these inquiries remain on my report. This failure to act is unacceptable. 

The continued presence of these fraudulent inquiries is highly alarming and strongly indicates possible identity theft. Leaving this matter unresolved is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a been a victim of identity theft due to the XX/XX/XXXXdata breach. I have attached my identity theft report. please remove and block these items immediately. I have also attached the fair credit act law.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: ND

Complaint narrative:
On XX/XX/2025, I was sent screenshots by a third party claiming that Portfolio Recovery Associates, through XXXX XXXX XXXX, had filed a lawsuit against me in North Dakota state court. These screenshots resembled a summons and included a response deadline, but I never received any official documentation myself. 
To verify the claim, I contacted the XXXX XXXX XXXX XXXX and searched the public court database. No case had been filed under my name or matching the docket number shown in the screenshots. This appears to be a deceptive attempt to pressure payment by simulating legal action without actually initiating a lawsuit. 
The screenshots mimic official court formatting and are clearly intended to intimidate. I believe this violates fair debt collection practices and misrepresents the legal status of the alleged debt. 
Additionally, this past weekend, I observed a man sitting in a vehicle outside my residence for an extended period, appearing to watch my home. I can not confirm whether this individual was affiliated with the company, but the timingjust days after receiving the screenshotsraises serious concerns about harassment or surveillance. 
I have not received proper validation of the debt, nor any legitimate notice of legal proceedings. I am requesting that this matter be investigated and that Portfolio Recovery Associates be held accountable for misleading communications and any associated intimidation tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting a dispute regarding a fraudulent account reported under my credit history. I never authorized or opened this account, and it is entirely false. Its reporting misrepresents my financial record and is harmful to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-08-28 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:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft due to the XXXX  data breach. i have attached my identity theft report please remove and block items immediately. I have also attached the fair credit act law.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I applied for a PNC Bank XXXX XXXX XXXX for my company, XXXX XXXX XXXX XXXX, and received a denial letter ( Ref : XXXX ). The reasons listed were : Length of time revolving accounts have been established Proportion of loan balances to loan amounts is too high Length of time accounts have been established Time since most recent account opening is too short These reasons are vague, duplicative, and contradictory. For example, length of time revolving accounts have been established and length of time accounts have been established essentially state the same thing. Additionally, time since most recent account opening is too short penalizes me for using credit actively, which conflicts with other credit evaluation standards.

PNC Bank did not identify which specific tradelines or accounts these reasons were based on, which prevents me from verifying whether the information reported by XXXX  is accurate. This lack of transparency interferes with my rights under the Fair Credit Reporting Act ( FCRA ) to dispute or correct inaccuracies.

Company response to consumer: Closed with explanation