vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: CO

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 explanation
Consumer complaint received 2025-10-14 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: OK

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this complaint because TransUnion, Experian, and Equifax has failed to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), including allowing reinsertion of a previously deleted collection, reporting inaccurate late payments after a voluntary surrender, keeping unauthorized hard inquiries, and failing to correct personal information. 
Ive attached a full statement detailing each violation. I am requesting CFPB enforcement to require TransUnion, Experian, and Equifax to permanently delete the inaccurate accounts and inquiries and correct my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am filing this complaint to dispute several inaccurate and misleading items currently being reported on my credit reports with TransUnion ( XXXX ), Experian ( XXXX ), and Equifax ( XXXX ). These entries contain outdated, duplicate, or unverifiable information that does not accurately reflect my credit history. 
Despite previous efforts to resolve these inaccuracies directly with the credit bureaus and creditors, no satisfactory corrections have been made. These errors are negatively impacting my creditworthiness and financial opportunities. 

XXXX. XXXX Reported by : XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Dates : XX/XX/XXXX Balance : {$0.00} This account is outdated and should no longer appear on my credit report. It is beyond the XXXX-year reporting limit outlined under the Fair Credit Reporting Act ( FCRA 605 ( a ) ( 4 ) ). 

XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX by : XXXX, XXXX, and XXXX ( as XXXX  ) Account Numbers XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported Dates : XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX  ) Balance : {$0.00} These listings appear to be duplicate or inconsistent reports of the same account. The dates and furnisher details differ between bureaus, suggesting data inconsistency or re-aging. This violates FCRA requirements for accurate and consistent reporting. 

XXXX. XXXX XXXX XXXX Reported by : XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Dates : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  ) Balance : XXXX  shows {$0.00} ; XXXX  lists {$1500.00}. 

The balance discrepancy across bureaus indicates a reporting error. The furnisher has not provided proof of a remaining balance or validation of debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Numerous hard inquiries have been reported across bureaus on or around XX/XX/XXXX, which I did not authorize. These include : TransUnion : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian : XXXX 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  ) Equifax : XXXX ( XX/XX/XXXX ) These inquiries were not initiated or authorized by me, and they have negatively impacted my XXXX XXXX. 
I have not applied for multiple auto or finance loans during this timeframe, suggesting potential unauthorized access to my personal credit 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 2025-10-14 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: GA

Complaint narrative:
I am filing this complaint to dispute several inaccurate and misleading items currently being reported on my credit reports with TransUnion ( XXXX ), Experian ( XXXX ), and Equifax ( XXXX ). These entries contain outdated, duplicate, or unverifiable information that does not accurately reflect my credit history. 
Despite previous efforts to resolve these inaccuracies directly with the credit bureaus and creditors, no satisfactory corrections have been made. These errors are negatively impacting my creditworthiness and financial opportunities. 

XXXX. XXXX Reported by : XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Dates : XX/XX/XXXX Balance : {$0.00} This account is outdated and should no longer appear on my credit report. It is beyond the XXXX-year reporting limit outlined under the Fair Credit Reporting Act ( FCRA 605 ( a ) ( 4 ) ). 

XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX by : XXXX, XXXX, and XXXX ( as XXXX  ) Account Numbers XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported Dates : XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX  ) Balance : {$0.00} These listings appear to be duplicate or inconsistent reports of the same account. The dates and furnisher details differ between bureaus, suggesting data inconsistency or re-aging. This violates FCRA requirements for accurate and consistent reporting. 

XXXX. XXXX XXXX XXXX Reported by : XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Dates : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  ) Balance : XXXX  shows {$0.00} ; XXXX  lists {$1500.00}. 

The balance discrepancy across bureaus indicates a reporting error. The furnisher has not provided proof of a remaining balance or validation of debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Numerous hard inquiries have been reported across bureaus on or around XX/XX/XXXX, which I did not authorize. These include : TransUnion : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian : XXXX 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  ) Equifax : XXXX ( XX/XX/XXXX ) These inquiries were not initiated or authorized by me, and they have negatively impacted my XXXX XXXX. 
I have not applied for multiple auto or finance loans during this timeframe, suggesting potential unauthorized access to my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, NY ] [ XXXX XXXX ] [ XXXX ] Date : [ XXXX XXXX ] Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Request Regarding Alleged Debt Account Number : [ XXXX ] To Whom It XXXX Concern, I am writing to notify you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I demand you immediately cease and desist all communication with me regarding the above-referenced alleged debt. 



This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. If you believe I owe this alleged debt, you XXXX only contact me to confirm that you will cease communication or to notify me of any specific legal action you intend to take, as permitted under federal law. 



Be advised that any further attempts to contact me outside of these limited circumstances will be considered a violation of federal law, and I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 



Please also note that I dispute the validity of this alleged debt. I request that you cease any and all collection efforts until proper validation of the debt has been provided in compliance with 15 U.S.C. 1692g ( b ). 



Thank you for your prompt attention to this matter. Please confirm in writing that you have received this notice and that you will comply with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX XXXX Date : XX/XX/2025 To : Experian XXXX XXXX XXXXXXXX XXXX, TX, XXXX Re : Dispute of Collections Account # XXXX / XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. 

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collection account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within XXXX  days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX XXXX Date : XX/XX/2025 To : Experian XXXX XXXX XXXXXXXX XXXX, TX, XXXX Re : Dispute of Collections Account # XXXX / XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. 

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collection account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within XXXX  days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer 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 2025-10-14 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 have recently become aware of a serious problem : someone has used my personal information to open fraudulent accounts without my knowledge or permission. I want to make it absolutely clear that I did not authorize these accounts, and this situation is a clear case of identity theft. 
This issue has caused me considerable stress, and I am urgently asking for swift action to resolve it. 
Accounts : Accounts : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am using this CFPB complaint as both a formal complaint as well as a formal dispute and request for alleged debt validation addressed to I C SYSTEM account number XXXX .They have been in violation of my rights as a consumer under U.S.C . 1692g and in accordance with the ( FCRA ) are also in violation of 15 U.S.C. 1681i as well as 15 U.S.C. 1692g which demands that debt collectors validate debts upon request. I XXXX submitting this request through the CFPB to ensure that I C SYSTEM receives my letter and is held accountable for responding promptly and lawfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I mother passed away over XXXX  years ago we applied for a assumption loan. They keep telling me different things making XXXX  out the same XXXX  over and over again. XXXX  cant talk to them. they make me talk to a person in XXXX  XXXX. They also told me to forge my XXXX  XXXX  name on documents which i refuse to do.

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