vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX GA  XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent inquiries that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Company Name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Account Reference : Partial Account # [ insert as shown on report ] / XXXX XXXX. 


-- - Issue Category Credit Reporting Incorrect information on credit report -- - Detailed Description of the Issue I am filing this complaint against Portfolio Recovery Associates for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding their reporting of a XXXX account. 

On XX/XX/year>, I sent Portfolio Recovery a certified cease-and-desist + dispute letter under 15 U.S.C. 1692c ( c ), FCRA 611, and XXXX XXXX compliance requirements. XXXX tracking confirms delivery on XX/XX/year>, at XXXXXXXX XXXX in XXXX, VA ( Tracking # XXXX ). 

Despite this, Portfolio Recovery continues to report and update the account with inaccurate, misleading, and re-aged information. They are in violation of : FCRA 611 ( a ) : Failing to properly investigate disputes.

FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishers duty to conduct a reasonable reinvestigation after receiving notice from the bureau. 

XXXX XXXX & e-OSCAR Standards : Failure to apply the XXXX  dispute code while the account is under investigation. 

FDCPA 1692c ( c ) : Continuing collection activity after receiving a cease-and-desist request.

Additionally, XXXX  has already deleted this account from my credit report, which further shows that Portfolio Recoverys reporting to XXXX  and XXXX  is inconsistent and inaccurate. 

I have also filed a complaint with the Federal Trade Commission ( FTC Report # XXXX ) regarding these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: The Savings Group, Inc.
State: FL

Complaint narrative:
I recently received a notification from XXXX XXXX indicating a new inquiry on my credit report between XX/XX/year>, conducted by Rate GeniusXXXX XXXX I want to make it clear that I did not authorize this inquiry, nor did I provide consent for any credit pullsoft or hard. 

This appears to be an unauthorized attempt that has negatively impacted my credit score. I respectfully request that you investigate this matter immediately and take the necessary steps to remove this inquiry from my report if found to be unauthorized. 

Please confirm receipt of this request and advise me on the next steps for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORT I NOTICED ACCOUNTS OPENED IN MY NAME

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 2025-08-23 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: LEXISNEXIS
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Macys / Citibank N.A. Account No. XXXX : ________________________________________ XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX DOB : XX/XX/XXXX | SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : Macys / Citibank N.A. 
Disputes Department RE : CEASE & DESIST DEMAND FOR DEBT VALIDATION Account No. : XXXX ________________________________________ To Whom It May Concern, This correspondence is a formal cease and desist demand and a request for full debt validation regarding the above-referenced account. I categorically dispute the accuracy, validity, and enforceability of this alleged debt.

As required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), you are obligated to provide complete documentation establishing the legitimacy of this debt before engaging in any collection, reporting, or communication. Until such validation is provided, you must immediately cease all activity related to this account.

Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are prohibited from furnishing or maintaining inaccurate, unverifiable, or incomplete information on my credit reports. Failure to promptly remove such information constitutes a willful violation and subjects you to liability.

I specifically demand the following : 1. A true and correct copy of the original signed contract or agreement binding me to this alleged obligation.

2. A complete itemized accounting of the alleged balance, including all payments, interest, fees, and charges.

3. Proof of your legal authority to collect or assign this debt.

4. Evidence showing that your reporting and collection practices comply with the Truth in Lending Act ( 15 U.S.C. 1601 ; 12 CFR 1026.13 ), the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), and the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ).

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 2025-08-23 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: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
After fleeing from a physically violent XXXX situation in Washington state in XXXX and then surviving a violent assault and robbery from my landlord in XXXX. 
I have found myself looking at my credit report- shocked. And wondering where all this negative impact came from? 

In both of the above cases, my abusers ; ( previous lover from WA ) XXXX XXXX XXXX XX/XX/XXXX and ( landlord from XXXX ) XXXX XXXX XXXX XX/XX/XXXX- stole and obtained my identity ; credit cards, cell phones, computer, passwords, identify documents, Social Security cards, birth certificates, journals, tax documents, car titles, police reports .. Im just about anything and everything in between that you could possibly need to obtain my identity.

I cant tell whats up from down, in from out, and KNOW I didnt have the accounts Im seeing on my current reports. The timelines dont make sense. Im confused and I have multiple disputes on my credit report. I need to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Credit Corp Solutions Inc.
State: OR

Complaint narrative:
After fleeing from a physically violent XXXX situation in Washington state in XXXX and then surviving a violent assault and robbery from my landlord in XXXX. 
I have found myself looking at my credit report- shocked. And wondering where all this negative impact came from? 

In both of the above cases, my abusers ; ( previous lover from WA ) XXXX XXXX XXXX XX/XX/XXXX and ( landlord from XXXX ) XXXX XXXX XXXX XX/XX/XXXX- stole and obtained my identity ; credit cards, cell phones, computer, passwords, identify documents, Social Security cards, birth certificates, journals, tax documents, car titles, police reports .. Im just about anything and everything in between that you could possibly need to obtain my identity.

I cant tell whats up from down, in from out, and KNOW I didnt have the accounts Im seeing on my current reports. The timelines dont make sense. Im confused and I have multiple disputes on my credit report. I need to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
XXXX XXXX, ( SSN ) XXXX, ( Date of Birth ) XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE CONTACTED TRANS UNION, EXPERIAN XXXX XXXX AND HAVE PROVIDED THEM WITH A COPY OF MY DIVORCE DECREE AND HAVE REQUESTED FOR THEM TO ADD A COMENT THAT THE ACCOUNT IS OBLIGATION OF FORMER SPOUSE AND PER DIVORCE DECREE. 
XXXX XXXX THE XXXX TRANS UNION RECIEVED THE COPY OF THE DIVORCE DECREE AND I DISPUTED THE ACCOUNT ONLINE VIA XXXX XXXX AND THE ACCOUNT WAS REMOVED BUT WEEKS LATER IT APPEARED AGAIN AND CALLED TRANS UNION TO PLEASE EXPIDITE MY REQUEST TO ADD THE DISPUTE COMMENT SINCE I WAS IN THE PROCESS OF PURCHASING A HOME AND TODAY I CALLED THEY TOLD ME THAT THEY CANT ADD THE DISPUTE COMMENT. YESTERDAY I CALLED XXXX XXXX BECAUSE I ALSO MAILED THEM A COPY AND THEY TOLD ME THAT THEY DID RECIEVED THE COPY BUT I NEEDED TO MAIL IT TO ANOTHER ADDRESS WHICH IS THE LEGAL DEPARTMENT AND THEY TOLD ME THAT THEY DONT HAVE A PHONE SO I CAN CALLED THEM AND THAT EVERYTHING IS BY MAIL. FOR OVER 60 DAYS AND XXXX AND TRANS UNION CANT GET THAT DISPUTED ADDED. I UNDERSTAND THAT I AM LEGALLY BINDED TO THE ACCOUNT BUT THE REMARK WILL NOT REMOVE ME FROM THE 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 2025-08-23 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: 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 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 2025-08-23 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: TX

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 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 2025-08-23 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:
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 2025-08-23 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: NY

Complaint narrative:
I am disputing a XXXX XXXXXXXX XXXX XXXXXXXX account ( ending in XXXX ) that is still reporting on my TransUnion credit file even though it has already been deleted from my Equifax report. 

On XX/XX/year>, Equifax permanently removed this account, which increased my score by XXXX points. This removal confirms the account is unverifiable under the Fair Credit Reporting Act ( FCRA ). Despite this, TransUnion continues to report the account as delinquent. 

I provided TransUnion with the same disputes and evidence that led to Equifaxs deletion : XXXX XXXX XXXX Letter ( XX/XX/year> ) : States the XXXX  XXXX account was closed and returned to XXXX XXXXXXXX. 
XXXX CFPB Response ( XX/XX/year> ) : Confirms XXXX never reported this account to any credit bureau and can not affect my credit file. 
XXXX Letter ( XX/XX/year>, XXXX XXXX XXXX ) : Confirms they are no longer attempting to collect, showing a pattern of creditors closing out disputed accounts. 
Equifax Deletion Notice ( XX/XX/year> ) : Proves the account was unverifiable and properly deleted. 

Despite this, TransUnion has failed to delete the account. This violates my rights under the FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires deletion of unverifiable information.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to ensure consistent and accurate reporting across all CRAs after a dispute.

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 2025-08-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I discovered student loans accounts on my credit report that I did not apply for or authorize.. I have never taken out a student loan and believe this is a case of identity theft. I have filed a dispute with the credit bureau and request that these fraudulent account be investigated, closed, and permanently removed from my credit report.Here attacheed is my ftc report with all accounts involved.

Company response to consumer: Closed with explanation