vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: CA

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
i opened my accounts myselfand earned every XXXX  that i m worth ive saved nt soent one XXXX and other people have taken overr my accounts with other names and the bussiness allowed ot to happen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint narrative:
I am submitting this formal complaint because Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding a dispute I filed over 30 days ago. On XX/XX/year>, I sent a written dispute challenging the accuracy and completeness of the following account ( XXXX ) on my credit report : 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], the credit bureau is required to conduct a reasonable reinvestigation and respond to the consumer within 30 days. It has now been more than 30 days, and : 1. I have not received any written confirmation of investigation results 2. OR : I received a response, but it failed to include proper verification documentation, or the reinvestigation was incomplete and insufficient Additionally, continued reporting of inaccurate or unverifiable data violates : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete information that can not be verified FCRA 616 & 617 Willful or negligent noncompliance with FCRA obligations I have acted in good faith and provided all relevant documentation. This noncompliance has negatively impacted my credit, and I am requesting that the CFPB take regulatory action to ensure my rights are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a notice from my credit card company that there was a change to my credit report. I saw that a hard credit check was pulled by Fifth-Third bank. I called them to let them know that this was not opened by me or my XXXX  and was fraudulent. They refused to tell me anything about the inquiry or the account. I just received a letter saying my dispute was denied because their research verified that the account was opened appropriately. It was not. 

There is now a {$6000.00} line of credit with Fifth-Third on my credit report despite me telling them that I did not authorize that account. 

The case number for my dispute is XXXX. 

At the time this was happening, before I could freeze my credit, another bank pulled my credit, but I was able to prevent that account or credit card from being opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
RECENTLY I LOOCKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURANCIES ON MY ACCOUNT, THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT IT IS MY UNDERSTANTING THAT YOU WILL INVESTIGATE THESE ITEAMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEAM I AM ASKING YOU TO VERIFY AS ACCURATE ACCOUNT XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
RECENTLY I LOOCKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURANCIES ON MY ACCOUNT, THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT IT IS MY UNDERSTANTING THAT YOU WILL INVESTIGATE THESE ITEAMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEAM I AM ASKING YOU TO VERIFY AS ACCURATE ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Portfolio Recovery, This letter is being sent to you in response to : XXXX  XXXX ( XXXX ) - Notice sent to me on XXXX, XXXX. 
- Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
As per 15 USC 1692 G : 1. Please send me a detailed list of the history of payments made by me on this account. 
2. I want to see a signature I put on this contract, guaranteeing I would pay this creditor. 
3. Im asking to see if any INSURANCE CLAIM found on this debt. 
4. I want proof that you have CHAIN OF TITLE, to collect on this debt. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark are found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed/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 may 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. 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
What happened? 

Experian is reporting an account from XXXX XXXX XXXX, originally from XXXX XXXX XXXX, in the amount of {$2500.00} as a charged-off account on my credit report. 

On XX/XX/year>, I formally disputed this reporting and requested : The IRS Form 1099-C required under XXXX6 U.S.C. 6050P if the debt was charged off, canceled, or forgiven. 

Full debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including : Signed contract or application with my signature. 

Complete account statements showing the entire account history. 

Itemized breakdown of all amounts claimed. 

Proof of legal ownership and assignment of the debt. 

Despite my formal request, Experian continues to report the account without providing proof of the 1099-C or complete legal validation. This failure misrepresents the status of the debt, unfairly damages my credit, and violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) and 15 U.S.C. 1681s-2 ( b ). 

I am requesting CFPB assistance to ensure Experian either provides the legally required 1099-C and full validation or removes the account entirely 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
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
On or around XX/XX/year>, I attempted to utilize my personal credit in order to pursue a legitimate financial goal, such as applying for a loan, credit card, or financing option. During this process, I obtained a copy of my credit report to review my current credit standing. Upon reviewing my report, I was alarmed to discover several accounts and inquiries that I did not recognize, authorize, or initiate. The following discrepancies were immediately identified : Multiple credit inquiries from institutions I have never done business with. 
Several open accounts listed under my name that I did not apply for. 
Outstanding balances and delinquent payments associated with these unauthorized accounts. 
Contact information and/or addresses listed on my credit file that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
I am submitting this complaint to formally report a fraudulent collection account from XXXX XXXX XXXX XXXX XXXX that has been placed on my credit reports without my knowledge or consent. The account reflects a balance of {$9600.00}, with an open date of XX/XX/XXXX, and continues to appear on my XXXX XXXX and TransUnion credit reports. 

I do not recognize this debt, have never done business with XXXX XXXX XXXX XXXX XXXX, nor with any original creditor they claim to represent. I believe this account is a result of identity theft, and I am requesting the CFPBs assistance in removing it from my credit reports. 

Timeline of Dispute Attempts : XX/XX/XXXX : I submitted a written request to XXXX XXXX XXXX XXXX XXXX requesting debt validation. 

XX/XX/XXXX : I followed up with a second request for verification, having received no adequate response. 

XX/XX/XXXX : I submitted a third dispute due to continued lack of documentation or explanation. 

XX/XX/XXXX : I formally requested that XXXX XXXX XXXX XXXX XXXX remove the account from my credit reports due to failure to validate and growing concern over fraudulent reporting. 

Despite these repeated efforts, no proper validation or supporting documentation has been provided. The company continues to report this account to the credit bureaus, significantly damaging my credit standing. 

As of XX/XX/XXXX, I have filed an official Identity Theft Report with the FTC ( attached to this complaint ), and I am taking steps to secure my personal information and prevent further fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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 submitting this complaint to formally report a fraudulent collection account from XXXX XXXX XXXX XXXX XXXX that has been placed on my credit reports without my knowledge or consent. The account reflects a balance of {$9600.00}, with an open date of XX/XX/XXXX, and continues to appear on my Equifax, XXXX XXXX XXXX  credit reports. 

I do not recognize this debt, have never done business with XXXX XXXX XXXX XXXX XXXX, nor with any original creditor they claim to represent. I believe this account is a result of identity theft, and I am requesting the CFPBs assistance in removing it from my credit reports. 

Timeline of Dispute Attempts : XX/XX/XXXX : I submitted a written request to XXXX XXXX XXXX XXXX XXXX requesting debt validation. 

XX/XX/XXXX : I followed up with a second request for verification, having received no adequate response. 

XX/XX/XXXX : I submitted a third dispute due to continued lack of documentation or explanation. 

XX/XX/XXXX : I formally requested that XXXX XXXX XXXX XXXX XXXX remove the account from my credit reports due to failure to validate and growing concern over fraudulent reporting. 

Despite these repeated efforts, no proper validation or supporting documentation has been provided. The company continues to report this account to the credit bureaus, significantly damaging my credit standing. 

As of XX/XX/XXXX, I have filed an official Identity Theft Report with the FTC ( attached to this complaint ), and I am taking steps to secure my personal information and prevent further fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. XXXX XXXX :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint narrative:
I am submitting this formal complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding a dispute I filed over 30 days ago. On XX/XX/year>, I sent a written dispute challenging the accuracy and completeness of the following account ( XXXX ) on my credit report : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], the credit bureau is required to conduct a reasonable reinvestigation and respond to the consumer within 30 days. It has now been more than 30 days, and : XXXX. I have not received any written confirmation of investigation results XXXX. OR : I received a response, but it failed to include proper verification documentation, or the reinvestigation was incomplete and insufficient Additionally, continued reporting of inaccurate or unverifiable data violates : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete information that can not be verified FCRA 616 & 617 Willful or negligent noncompliance with FCRA obligations I have acted in good faith and provided all relevant documentation. This noncompliance has negatively impacted my credit, and I am requesting that the CFPB take regulatory action to ensure my rights are upheld.

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