vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute continued inaccuracies related to billing errors on my credit report. Upon reviewing my most recent report, I observed that certain account still reflect information that does not accurately represent my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which grants consumers the right to dispute and correct billing errors, and I request a comprehensive reinvestigation of the following account : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$15000.00}

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 2025-09-10 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX. I noticed multiple incorrect personal information entries on my credit reports, including : Wrong date of birth ( XX/XX/XXXX instead of XX/XX/XXXX ) Variations of my name not matching my legal name Old or inaccurate addresses XXXX. I also noticed unauthorized hard inquiries that I never approved or applied for, including : CITI CARDS CBNA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. I submitted formal dispute letters to XXXX XXXX XXXX, requesting correction and removal of these errors. 
XXXX. XXXX XXXX XXXX  did not respond properly or failed to remove the incorrect information, which violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) requirement to maintain maximum accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) deletion of unverifiable or inaccurate information 5. Because of their inaction, my credit report contains inaccurate data and unauthorized inquiries, which could harm my ability to obtain credit and affects my overall 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 2025-09-10 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: TX

Complaint narrative:
Transunion and Experian both had data breaches that affected my credit.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST. 


This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and other applicable federal and state consumer protection laws.

Though you have received a cease and desist request, I see that you have continued to report this account in an attempt to collect an alleged debt.. I am demanding the following : 1. Proof of Ownership of the Alleged Debt Demonstrating your legal right to own or collect on this account.

2. Forward Flow Agreement Between your agency and the alleged original creditor, showing the terms of transfer.

3. Transfer/Assignment Agreement Including all contracts or instruments transferring rights to this alleged account.

4. Bill of Sale Documenting the actual sale or transfer of the specific receivable tied to this account.

5. Full Chain of Assignment From the alleged original creditor to your agency, including every intermediary.

6. Complete Payment and Accounting History From origination to present, if you claim this debt are enforceable.

7. Securitization Status Confirmation of whether this alleged account was ever securitized or sold into a master trust or special purpose vehicle.

Until and unless you provide the above documentation, you must cease all collection efforts. This includes, but is not limited to : Telephone calls Written correspondence Third-party contact Credit reporting Be advised that credit reporting is considered an indirect form of collection activity and communication, and is therefore prohibited once a debt has been disputed and validation has been requested. Continuing to report or furnish information to XXXX XXXX XXXX XXXX  without first validating the debt is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
Accordingly, you are hereby placed on notice that : You must cease all forms of communication with me regarding this alleged account until you have fully validated this debt ; You must not report, and if already reported you must delete, this alleged account from any consumer reporting agency until you have fully validated it ; Any further unauthorized use of my personal information without validation constitutes unlawful use of my non-public private information and may also amount to identity theft.

Failure to comply will result in immediate complaints being filed with the ), the Federal Trade Commission ( FTC ), and my State Attorney General. I also reserve the right to initiate legal action against your agency for violations of the FDCPA, the FCRA, and applicable state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-10 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX5B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. On or around JulXX/XX/year>, I discovered accounts appearing on my credit report that I did not open or authorize. These include a negative credit card account showing a balance of approximately {$43000.00} ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX Bank ) a cable bill for {$110.00} ( XXXX XXXX XXXX ) and 5 personal loan accounts ( XXXX XXXX XXXX ). I never applied for or used these accounts. 
After noticing these items, I immediately filed an FTC Identity Theft Report ( Reference # : XXXX ) and a police report with my local department on XX/XX/year>. I also contacted the credit bureaus and requested fraud alerts to be placed on my file. 
Despite my disputes, the accounts remain on my credit report. The companies have continued to report them as if they are valid debts. This is causing serious harm to my credit standing and has resulted in at least 4 credit denial. 
I am requesting that the companies conduct a full investigation, recognize that these accounts resulted from identity theft, and remove all fraudulent accounts, inquiries, and associated negative information from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX5B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. On or around JulXX/XX/year>, I discovered accounts appearing on my credit report that I did not open or authorize. These include a negative credit card account showing a balance of approximately {$43000.00} ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX Bank ) a cable bill for {$110.00} ( XXXX XXXX XXXX ) and 5 personal loan accounts ( XXXX XXXX XXXX ). I never applied for or used these accounts. 
After noticing these items, I immediately filed an FTC Identity Theft Report ( Reference # : XXXX ) and a police report with my local department on XX/XX/year>. I also contacted the credit bureaus and requested fraud alerts to be placed on my file. 
Despite my disputes, the accounts remain on my credit report. The companies have continued to report them as if they are valid debts. This is causing serious harm to my credit standing and has resulted in at least 4 credit denial. 
I am requesting that the companies conduct a full investigation, recognize that these accounts resulted from identity theft, and remove all fraudulent accounts, inquiries, and associated negative information from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

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 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: KS

Complaint narrative:
This complaint concerns Central Research Inc. ( CRI ) and the three major credit reporting agencies ( XXXX XXXX XXXX XXXX ). All continue to report an inaccurate tradeline related to a fully paid student loan, despite my submission of proof of payoff and multiple lawful validation requests. 

Factual Background XX/XX/year> : I sent CRI a certified written Debt Validation Request. Their response ( XX/XX/year> ) consisted only of generic printed material and did not include the information required by law or by CRIs own internal policies. ( attached ) XX/XX/year> : I again requested the same information via CRIs online portal. CRI failed to respond at all. ( attached ) Proof of Payoff Ignored : With each dispute, I attached the XXXX payoff statements showing the loan was fully satisfied and the balance reduced to {$0.00}. At no time have CRI or the credit bureaus ever objected to the authenticity of these statements. Instead, they continue reporting the account as derogatory, knowingly ignoring this evidence. 

Failure to Respond : CRI has now failed twice to provide legally required validation. Their responses are outside the statutory 30-day period. 

Despite CRIs failures, XXXX XXXX XXXX XXXX  continue to report this tradeline and mark disputes as verified, which is incompatible with the evidence I provided. 

Violations Identified FDCPA 809 ( b ) : CRI failed to provide debt validation and continued collection/reporting activity after my timely disputes.

FCRA 1681s-2 ( b ) : CRI continued furnishing inaccurate data despite receiving proof of payoff.

FCRA 1681i : The credit bureaus failed to conduct a reasonable reinvestigation and ignored the XXXX documentation. 

XXXX / Accessibility Concerns : CRI failed to provide documentation in the alternative formats promised in their policy. 

Additional Concerns CRIs own printed materials explicitly state that they will provide all information requested by the debtor. Their repeated failure to do so especially while disregarding clear proof of payoff demonstrates bad faith and deliberate noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I have on many occasions to attempt to collect sufficient data that proves the debt with Spring Oaks Capital is indeed a debt that I owe. The first attempt XX/XX/year>2025 which returned accurate but no information send to me. I then proceeded to dispute the finding through XXXX twice and still no response with the information asked for. I demand a removal, per Consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: CT

Complaint narrative:
I have explained that my SSN and personal identifiable information was used by my ex husband as he used it to use and destroy my credit with XXXX XXXX XXXX XXXX at the same time frame. I understand they can show information that sadly my ex husband at that time my husband going through a high conflict divorce opened accounts using my personal information signed leases using my name and credit and I have made legal records in my divorce and for numerous years to reporting agencies. Elan was opened many years prior WITHOUT my knowledge. I have been fighting severe theft of my identity and financial abuse for 15 plus years by my now ex husband. I see that Elan financial was removed from my XXXX report and I need it removed from my XXXX  and XXXX. It has been closed since 2020 and I have been fighting this incorrectly at times as I never had to deal with financial abuse until this incident. It has destroyed my peace my identity and caused significant damage for 15 years and is post separation abuse. There needs to be laws to protect victims of this kind of XXXX XXXXXXXX coercive control falls under the legal umbrella of dv in most states. Elan financial took retaliatory action against me reporting here to CFPB they reported the credit agencies updating the balance of a closed account that they closed and charged off in XX/XX/2020. They also changed the payment history to derogatory on my credit reports. This adversely affected my credit and they further painted my character in a negative light by reporting this negativity. There is no reason for them to be updating a balance on a charged off and closed account and it was purely retaliatory. This is financial abuse and bullying its revictimizing a survivor of XXXX XXXXXXXX XXXX and coercive control.

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 2025-09-10 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: GA

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting a closed credit card account. On Experian and TransUnion, this account is listed as a charge-off and marked as discharged in bankruptcy. However, mXXXX XXXX report dated XX/XX/year>, shows the same account with {$0.00} balance, no late payments, and no derogatory status. 

This contradiction across the bureaus violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

Additionally, reporting a bankruptcy discharge and a charge-off on the same account is duplicative derogatory reporting and misleads lenders. Once an account is discharged in XXXX XXXX XXXX it must not continue to report as a charge-off. 

I requested verification, but neither XXXX XXXXXXXX XXXX  nor the bureaus have produced original signed account records or payment history supporting this derogatory reporting. Under FCRA 611 ( a ), unverifiable information must be deleted.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Newport Intermediate Inc.
State: HI

Complaint narrative:
I had a solar rebate account with XXXX XXXX in Texas, and at the close of my account had a {$540.00} rebate balance on my account, which XXXX XXXX refused to pay. I filed at XXXX complaint and they ruled in my favor, recommending XXXX XXXX issue a payment for my balance, and they issued a check for the full amount. XXXX XXXX then sent me a {$0.00} balance Prepaid Card with a {$3.00} monthly fee to my address claiming " my refund is here. '' I did not request this card, I do not want this card, but now this 3rd party company, XXXXXXXX XXXX XXXXXXXX. has my personal information, and their privacy disclosures say they will share my information for " marketing purposes '' and I can not limit this sharing. My personal data has been compromised by both XXXX XXXX and XXXXXXXX XXXX XXXX. and I have been defrauded by both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I was looking to rent an apt in downtown LA when I discovered account I do not recognize as ever doing any business for credit with the followcompanies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request a PIN from all 3 credit bureaus an a freeze-block my filesuntil further notice.

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 2025-09-10 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:
I was looking to rent an apt in downtown LA when I discovered account I do not recognize as ever doing any business for credit with the followcompanies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request a PIN from all 3 credit bureaus an a freeze-block my filesuntil further notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
When I was XXXX XXXX XXXX, someone opened three accounts in my name without my knowledge or permission. I did not authorize these accounts and I am not responsible for them. 

I only recently became aware of this issue when I reviewed my credit information and noticed the fraudulent accounts. These accounts were created using my personal information, but I had no involvement with them. 

I am filing this report to state clearly that the accounts were opened fraudulently and that I am a victim of identity theft. I request that these accounts be removed from my credit record and that steps be taken to prevent further misuse of my identity.

Company response to consumer: Closed with explanation