vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Companies : Experian, Equifax, TransUnion Issue : Inaccurate credit reporting ; Improper reinvestigation ; Furnisher failure to validate Account : XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report a XXXX XXXX XXXX XXXX XXXX collection account ( # XXXX ) that is inaccurate, misleading, and unverifiable, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, XXXX responded to my CFPB dispute and admitted that it does not have to provide required documentation to validate the debt. XXXX refused to produce : The original credit agreement/contract, Chain of title and assignment records, Forward flow agreements, Itemized accounting of the alleged balance, CRA reporting authorization, Proof of Statute of Limitations compliance, and Prior dispute investigation records. 

Despite XXXX admission, the CRAs continue to publish this tradeline, violating : FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) : Failure to provide validation after written dispute.

FDCPA 807 ( 2 ) ( A ), 807 ( 8 ) : False representation of legal status and furnishing false credit information.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i : Failure to conduct a reasonable reinvestigation of disputed information. 

FCRA 1681s-2 ( b ) : Furnishers duty to investigate and correct inaccurate or unverifiable data.

This conduct has caused significant harm to my creditworthiness, ability to secure financing, and reputation. Courts have consistently ruled that unverifiable or misleading reporting violates federal law : Cushman v. TransUnion ( 3d Cir. 1997 ) held that CRAs must go beyond parroting furnishers ; Saunders v. BB & T ( 4th Cir. 2008 ) confirmed technically accurate but misleading reporting violates the FCRA ; Bradshaw v. BAC Home Loans ( D. Or. 2011 ) held that unverifiable debts can not be reported. 

By maintaining this tradeline after XXXX refusal to validate, Experian, Equifax, and TransUnion are willfully reporting false and misleading information, exposing both XXXX  and the CRAs to liability under 15 U.S.C. 1681n, 1681o, and 1692k for statutory, actual, and punitive damages.

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 2025-09-03 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: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-03 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 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: LEXISNEXIS
State: SC

Complaint narrative:
I HAVE CONTINOUSLY DISPUTED XXXX ACCOUNTS XXXX DUPLICATE STUDENT LOANS BY XXXX. AS YOU CAN SEE I UPLOADED A CORRESEPONDENCE WHERE XXXX  CLAIMS THAT THIS IS NOT ON MY CREDIT FILE EVERYWEEK ITS REMOVE AND PLACED BACK ON MY CREDIT FILE. THESE ACCOUNTS WERE RESULT OF IDENTITY THEFT. I HAVE ALSO SENT A COPY OF THE LAWSUIT THEY WERE INVOLVED IN THEY STILL CONTINUE TO DUE HARM TO MY REPUTATION. THEY HAVE ALSO FAILED TO PAY FOR THESE VIOILATIONS WHICH IM ENTITLED TO FOR COMPENSATION ACCORDING TO YOUR STANDARDS. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ARE CURRENTLY STILL AFTER OVER XXXX  DAYS. I SPOKE WITH A REPRESENTATIVE ON FRIDAY AT XXXX  WHO ASSURED ME IT WAS WITHING 3 DAYS AND THEY WOULD BE REMOVING ON THE XXXX BUSINESS DAY. MORE LIES. I PUT IN THE COMPLAINT ON THE XXXX. THEY TOLD ME THAT THEY DIDNT RECEIVE IT UNTIL THE XXXX WHICH THEY RESPONDED DAYS PRIOR TO THIS. I ATTACHED A RESPONSE OF THEM CLAIMING THIS WASNT ON MY FILE LEXIS NEXIS CASE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: ID Analytics, Inc.
State: SC

Complaint narrative:
I HAVE CONTINOUSLY DISPUTED XXXX ACCOUNTS XXXX DUPLICATE STUDENT LOANS BY XXXX. AS YOU CAN SEE I UPLOADED A CORRESEPONDENCE WHERE XXXX  CLAIMS THAT THIS IS NOT ON MY CREDIT FILE EVERYWEEK ITS REMOVE AND PLACED BACK ON MY CREDIT FILE. THESE ACCOUNTS WERE RESULT OF IDENTITY THEFT. I HAVE ALSO SENT A COPY OF THE LAWSUIT THEY WERE INVOLVED IN THEY STILL CONTINUE TO DUE HARM TO MY REPUTATION. THEY HAVE ALSO FAILED TO PAY FOR THESE VIOILATIONS WHICH IM ENTITLED TO FOR COMPENSATION ACCORDING TO YOUR STANDARDS. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ARE CURRENTLY STILL AFTER OVER XXXX  DAYS. I SPOKE WITH A REPRESENTATIVE ON FRIDAY AT XXXX  WHO ASSURED ME IT WAS WITHING 3 DAYS AND THEY WOULD BE REMOVING ON THE XXXX BUSINESS DAY. MORE LIES. I PUT IN THE COMPLAINT ON THE XXXX. THEY TOLD ME THAT THEY DIDNT RECEIVE IT UNTIL THE XXXX WHICH THEY RESPONDED DAYS PRIOR TO THIS. I ATTACHED A RESPONSE OF THEM CLAIMING THIS WASNT ON MY FILE XXXX XXXX CASE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$71.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00}

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 2025-09-03 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: WA

Complaint narrative:
I have been disputing this debt XXXX XXXX. No one will provide the most basic verification data. I want a copy of the signed contract in which I accepted responsibility for this debt. 
I know my ex-wife XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX, with an address on file of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX set up the account. I DID NOT OPEN THIS ACCOUNT NOR DID I ACCEPT RESPONSIBILITY FOR THIS DEBT, NOR DO I UNDERSTAND HOW THIS IS DRAGGING OUT AND HARMING ME, NOR DO I CONSENT TO THIS DEBT.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I opened a checking account, which had no fees with a balance of {$500.00}. After XXXX months it billed me for statements, which caused the balance to go below {$500.00}. So without any withdrawals or purchaeses, I was charged {$85.00} over a year. When I complained they reversed {$35.00}. O was still charged {$50.00} for nothing. I have closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Processing Services, LLC
State: CA

Complaint narrative:
I received a call from someone claiming to be from " XXXX Services '' ( I assume this is Global Processing Services , LLC ) regarding a cash advance I never took out, and have never heard about until now. 

My credit reports and subprime lending reports are all frozen, and have been for some time. They said they were going to garnish 35 % of my wages, and I informed them that this is a phantom debt scheme, I dispute this debt, and require a debt validation letter which they may send to me using the information they have on file. They claim it was already sent last year and I said it was not, because I have received no such letter or contact. They then argued with me. 

I repeated to please send me a debt validation letter, and hung up. This is not a debt that I owe, I am an ID theft victim and my credit reports all reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-03 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: MD

Complaint narrative:
I am filing this complaint because several unauthorized and unverifiable inquiries remain on my credit file even though I have already disputed them directly with the credit bureaus. These disputes are also part of my active CFPB cases ( XXXX, XXXX, and XXXX ). Despite this, the bureaus have failed to provide any proof of consumer authorization or permissible purpose as required under FCRA 604 and 609. 

The specific inquiries in question include : Experian XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX Card XX/XX/XXXX No signed applications, timestamped authorizations, or subscriber codes have been provided. Instead, the bureaus have exceeded the 30-day reinvestigation period under FCRA 611 ( a ) while continuing to report these items. This violates my rights to an accurate and verifiable credit file.

Reporting unverifiable inquiries also violates FCRA 1681e ( b ), which requires maximum possible accuracy. The continued reporting of these items after CFPB escalation demonstrates willful noncompliance under FCRA 1681n.

These inquiries are damaging to my creditworthiness by lowering my scores under the FICO recent credit behavior factor, reducing my approval odds, and causing financial harm. Because the bureaus have failed to verify with lawful documentation, these inquiries must be permanently deleted and corrected files must be sent to all recipients of 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 2025-09-03 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: CT

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 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