vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 1. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 2.  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX 3. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/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 explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 1. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 2.  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX 3. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/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
Consumer complaint received 2025-05-12 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: NM

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX. XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/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 explanation
Consumer complaint received 2025-05-12 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: NM

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX. XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/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
Consumer complaint received 2025-05-12 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
Account XXXX XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Amsher Collections has but a negative mark on my credit report with fraudulent claims of a debt from XXXX XXXX in the amount of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX Alliant Credit Union repossessed my XXXX XXXXXXXX XXXX  XXXX ( VIN : XXXX ) without providing pre- or post-repossession notice, violating XXXX  XXXX ( XXXXXXXX XXXX XXXXXXXX ). As of XX/XX/XXXX, I have received no communication or notices from XXXX regarding the repossession. XXXX demanded {$6500.00} ( {$5500.00} delinquent + {$940.00} in fees : {$440.00} Recovery, {$150.00} Flatbed, {$150.00} Redemption, {$50.00} XXXX  XXXX, {$150.00} Remarketing ), but provided no receipts or contractual justification for the fees, potentially violating XXXXXXXX XXXX  XXXX. Additionally, I was denied timely access to personal belongings in the vehicle, with an appointment delayed until XX/XX/XXXX, violating XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, and XXXX XXXX provided conflicting information, indicating bad faith. 
I sent a demand letter to XXXX on XX/XX/XXXX, via certified mail, which was not delivered per tracking. I sent an updated letter on XX/XX/XXXX, via certified mail with return receipt, demanding the vehicles return without payment by XX/XX/XXXX, due to these violations. XXXX has not responded. I request the immediate return of my vehicle without further payments and a CFPB investigation into XXXX unlawful repossession practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and harmful credit reporting by XXXX  related to my federal student loans serviced by XXXX. Despite my long history of financial responsibilityincluding never missing a payment in my adult lifemy credit score has dropped significantly due to a delinquency that was reported without my knowledge or fault. 

I first discovered this issue in early XX/XX/year>, when I was attempting to purchase a vehicle and noticed that my credit score had dropped unexpectedly. Upon further investigation, I found that XXXX  was reporting my student loan as delinquent. I immediately contacted the loan servicer and was shocked to learn that they had the wrong address, phone number, and email address on file for me. Because of this, I never received any notices regarding a due paymentnot by mail, email, phone, or text. 

After logging into the servicers website, I learned that there were XXXX delinquency notices on my accountall of which I had never received. The loan servicer only has the correct contact information now because I manually updated it myself after discovering the issue. At no point did they attempt to correct their records or notify me through any alternative method. Currently, my loans are in forbearance, and the servicer has since provided me a letter stating my account is in good standing, which I submitted to XXXX  in a formal dispute. Despite this clear evidence, XXXX  denied my dispute and continues to report inaccurate information that is harming my credit. 

To be clear, I have always taken my financial obligations seriously. I recently purchased a home and paid off a vehicle, and my credit score was in the XXXX before this incident. I had plans to refinance my home at the end of 2025, and this inaccurate reporting has not only derailed my car purchase but could seriously impact my future mortgage plans. 
I have taken every reasonable step to resolve this matter : -I contacted the loan servicer and requested proof of my account status.

-I updated my contact information and reviewed my account history.

-I submitted the good standing letter to XXXX  as part of a formal dispute.

-I am currently in the process of obtaining a letter of good standing from my bank to further verify my financial track record.

If this issue is not resolved promptly, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and pursue legal action under the Fair Credit Reporting Act, as this situation constitutes a failure to ensure accurate reporting and proper consumer notification. 

I respectfully request that this issue be thoroughly reviewed and that XXXX  be required to correct the inaccurate reporting immediately. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
I'm an identity fraud victim and I would like for you to help me remove fraudulent addresses that are appearing on my credit profile. Please see attached for reference.

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 2025-05-12 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Closed accounts XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX  {$470.00} XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$1200.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : Complaint Against Portfolio Recovery Associates for Attempting to Collect a Debt I Do Not Owe Dear CFPB, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC for attempting to collect a debt that I do not owe. I have no knowledge of this alleged debt and believe this collection attempt is in error. 
Portfolio Recovery Associates recently contacted me regarding an account they claim is in default. I have not received any valid documentation supporting the legitimacy of this debt. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper validation of the debt, including original creditor information and proof that I am legally obligated to pay this amount. To date, they have failed to provide such validation. 
Despite this, Portfolio Recovery Associates continues their collection efforts, which may include reporting false information to credit bureaus and continued harassment. This is a violation of 15 U.S.C. 1692g ( b ), which requires all collection efforts to cease until the debt is validated.

I respectfully request that the CFPB : Investigate Portfolio Recovery Associates for improper collection activity.

Require them to cease communication and collection efforts unless they can properly validate the debt.

Ensure that any negative credit reporting related to this alleged debt is removed immediately.

Attached you will find copies of their communications, my validation request, and any other relevant documentation for your review. 
Thank you for your time and assistance in resolving this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding an account on my credit report that is being inaccurately reported as " charged off '' after the debt was sold to another creditor. The account was closed by the original creditor, but it is still being reported incorrectly, despite the debt being sold. 

Details of the Account : Original Creditor 's Name : Oportun loan Loan Number : XXXX Date the Debt was Sold : Tue, XXXX XXXX Explanation of the Issue : The account was closed by the original creditor and reported as " charged off. '' The original creditor sent me a notice on confirming that they sold the debt to another creditor, yet this account continues to appear on my credit report under the original creditor 's name. 

The account should reflect that it was sold and no longer be reported as " charged off '' or have any balance attached to it. 

I have not received a 1099-C ( Cancellation of Debt ) for this account, indicating that the debt was not forgiven but sold to another creditor. Therefore, the account should no longer be reported as an active or charged-off account under the original creditor. 

I request that the closed account be removed entirely from my credit report, as it no longer belongs to the original creditor. 

I have attached any relevant documents, including the email Oportun confirming the sale of the debt, which supports my dispute. 

Please investigate this matter and ensure the credit reporting agencies correct or remove this inaccurate information from my credit report. 

Thank you for your attention to this issue. I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I was a victim of identity theft, and my Social Security number was used to open a XXXX  power and light utility bill. This bill is for the state of XXXX. I have never resided or had an address in the state of XXXX  as my home state and state of residency has always been XXXX. This collection was sold once to a collection agency and was removed due to identity theft. XXXX  XXXX XXXX XXXX then sold the debt to another collection agency a year later and has reappeared on my credit report as a collection account ( IC systems ). This account was never mine, and I did not authorize this account to be opened. I need this removed from my report as this account was created as part of identity theft. The account in reference is for a balance of {$310.00}. This needs to be removed from my account!

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 2025-05-12 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: KY

Complaint narrative:
To Whom It May Concern : I am formally exercising my rights under the * Fair Credit Reporting Act ( FCRA ) * to dispute the illegal and inaccurate reinsertion of the account reported by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which was previously * * removed after a valid dispute * through the CFPB and FTC. This account has been * * reinserted without written notice within five ( 5 ) business days of reinsertion *, which is a * * direct violation of FCRA 611 ( a ) ( 5 ) ( B ) *. This action is unlawful and deceptive under federal law. In addition, the information reported about this account contains * serious inaccuracies *, violating * FCRA 607 ( b ) * and compromising the integrity of my credit report. Below is a summary of the discrepancies : 1. * Inconsistent balances and credit limits * across TransUnion, Experian, and Equifax. 2. * Different last payment and last activity dates *, affecting account aging. 3. The account is reported as * '' Collection/Chargeoff '' but still shows an active balance *, which is misleading and contradictory. - Legal Dispute for Illegal Reinsertion 4. The payment history shows both * '' OK '' and " CO '' statuses during the same time period *, which is legally inaccurate. 5. Comments are inconsistent among bureaus : one reports the dispute as resolved, while another still lists it as active - a violation of FCRA 's uniformity requirement. 6. The account * does not reflect a proper closing date *, despite being charged off. These violations break the following legal provisions : - * FCRA 611 ( a ) ( 5 ) ( B ) : * Reinsertion without written notice. - * FCRA 607 ( b ) : * Reporting inaccurate or inconsistent information. - * FCRA 602 ( A ) : * Consumer right to fair, equitable, and accurate credit reporting. - * FCRA 623 : * Furnishers must report complete and accurate information. Based on the aforementioned laws, I am demanding the following : - * Immediate and permanent removal * of the reinserted account. - Written confirmation of the account 's deletion. - Cease all future reporting of this account. - A copy of the reinvestigation and verification used for reinsertion ( per FCRA 611 ). I reserve the right to file a legal claim for damages under the * FCRA and FDCPA * if this matter is not addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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