vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, directly harming both my credit and score. I was previously assured by your representative that these inquiries would be removed, yet they remain. This failure to act is unacceptable. Their continued presence raises serious concerns of identity theft and is causing ongoing XXXX XXXX XXXX XXXX  These unauthorized and potentially fraudulent inquiries must be removed immediately to restore the accuracy and integrity of my credit report. I demand a prompt and thorough investigation without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the TRANSUNION XXXX breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open. 

This situation has been incredibly XXXX, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file. 

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within XXXX ( XXXX ) business days. 

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further XXXX  to my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
My husband and I commenced a construction project ( shopping center ) in XXXX, TX in XXXX of this year. Our bank ( XXXXXXXX XXXX ) has been wiring funds, upon our approval, to the XXXX XXXX before each phase of construction. XXXX wire transfers were sent successfully this way. 

On Wednesday XX/XX/XXXX, we received a request from the XXXX  ( via email ) to send the next payment ( {$250000.00}, the largest payment to date ) to a new account. We forwarded the email to our bank and requested them to make payment to this new account. The funds were withdrawn from our account on XX/XX/XXXX, but my husband was told ( verbally over the phone ) by a bank representative that the funds were released on Friday XX/XX/XXXX. On the morning of Monday XX/XX/XXXX we realized, after speaking to the XXXX, that the email was fraudulent and immediately called XXXX XXXX to recall the wire transfer. As of today, we have not received any word from the recipient 's bank ( Citizens Bank ). When we reported the fraud to our bank, we asked if we should take any further steps or file with authorities and were told they would take it from there. 

From our own research online and a friend who is a banker, we discovered it would be wise to filed a police report and a complaint with the Internet Complaint Center, both of which were done on XX/XX/XXXX. 

We have been asking for status updates from XXXXXXXX XXXX  daily, but their response is always the same - that they've heard nothing from Citizens Bank despite multiple requests for updates. We reached out to Citizens Bank ; they told us they only help their customers and to talk to our bank. We called XXXX XXXX  headquarters ; they told us they can't help us and to talk to the local branch. 

I feel we are getting the run-around from both banks. In the meantime, more time elapses and we are less and less likely to recover any of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
On XX/XX/XXXX I was contacted by a debt collector for a debt for an apartment complex they were using the number XXXX I tried to call and resolve my debt he used rude language would not stop calling me boy asked to speak to someone else he gave me no options and would not explain then proceeded to make a decision for me and hang up I called back again in hopes of getting someone else I got him he recognized my voice said is this that same idiot and said I had a chance already I made my choice and hung up I tried to resolve this issue with them multiple times and Im not sure if he thought it was funny but like XXXX weeks later I called again in hopes of getting someone new and again I got XXXX  XXXX and was met with the same hostility and rudeness over a debt they bought and would not give me any information and then proceeded to hang up on me again I tried to resolve this debt and was just not given any reasonable information or any way to resolve it. They have the call recordings and so do I.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Experians online dispute process. The platform does not provide an option to request the general removal of outdated or incorrect addresses and phone numbers from my credit report. This limitation makes it unnecessarily difficult to correct outdated personal information, potentially impacting the accuracy of my credit file. I request that this issue be reviewed and addressed to ensure fair and accessible dispute procedures.

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 2025-06-13 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax for the following account : XXXX XXXXXXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for this account. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NV

Complaint narrative:
XXXX XXXX XXXX, Original Creditor XXXX XXXX XXXX, XXXX. Account XXXX XXXX Balance {$1300.00}, XXXX XXXX XXXX, Original Creditor  XXXX  XXXX XXXX XXXX, XXXX. Account XXXX XXXX Balance {$1700.00}, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$680.00}, XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$760.00}, XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX  XXXX Account XXXX XXXXXXXX Balance {$5500.00}, XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXXXXXX. and XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. Account XXXX XXXXXXXX XXXX {$16000.00}. Are reporting fraudulently on my credit report. My Information has been leaked in several data breaches Equifax, XXXX XXXX and XXXXXXXX XXXX XXXX XXXX .I sent debt validation letters to each of these Creditors. I file a Identity Theft Report with the FTC. My name is shown in XXXX variations on my report, it should only be XXXX XXXX. There are XXXX addresses on my report, I've lived at my current address XXXX years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 U.S. CODE 1666B 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681. 
ACCOUNTS : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX _______________________________________ COLLECTIONS : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX ________________________________________________ INQUIRIES : XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX TransUnion XXXX XXXX  Credit Cards Issued by Finance Companies XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2025-06-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple XXXX XXXX XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Certegy Holdings, LLC
State: TN

Complaint narrative:
As discussed in my previous complaints, this is the last of the fraudulent accounts that occurred from ID theft a few years ago. Please assist me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or XXXX on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: MO

Complaint narrative:
I have tried to communicate with this company. They have sent me two mailed letters and one email. I have explained multiple times and sent multiple letters to dispute the debt and they havent sent proof that I owe the debt. I have explained that I returned all devices to XXXX after I canceled service with them. They cant show exactly what I owe. I want this off my credit report and to be done with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting a collection account with an alleged balance of {$1200.00}, linked to a purported XXXX XXXX account ( # XXXX ). I have not received a proper w

ritten notice as required by 15 U.S.C. 1692g ( a ), nor have I been provided with a meaningful opportunity to dispute or validate the debt before it was reported to credit reporting agencies. As a debt buyer, PRA is subject to both the FDCPA and FCRA, and has an affirmative
duty under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ) to validate and investigate any disputed account it furnishes to a consumer reporting agency. I formally disputed this account and requested : The signed original agreement or contract ; A complete itemized accounting of the alleged debt ; The purchase agreement or assignment demonstrating PRAs legal right to collect ; The Forward Flow or Bill of Sale terms ( especially relevant for XXXX  XXXX debt sales, which frequently disclaim account-level documentation or accuracy ) ; Proof of PRAs license to collect debt in my state.

As of today, PRA has not provided any of the above, yet continues to report this tradeline a willful violation of the FCRAs requirement for accurate reporting under 1681e ( b ), and failure to reasonably investigate under 1681s-2 ( b ).

Numerous courts have held that mere inclusion of a consumer name and balance in a spreadsheet is insufficient to prove ownership or accuracy. PRA is also under multiple consent orders and prior regulatory scrutiny for deficient debt substantiation practices.

This account was reported without legal proof, proper notice, or adequate documentation. I consider this unsubstantiated, misleading, and a serious violation of both federal law and industry standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 sent several letters trying to get this XXXX Account Removed. So I asked XXXX to send me documents with payment history and as stated before the information is incorrect and I will be attaching documentation to prove it. On my credit report it is showing late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Attached documentation will show that for the months of XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX payment is showing on-time. So the documentation is incorrect that XXXX is reporting to the credit bureaus. So I need this account deleted from my credit report. 
,

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