vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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:
I kindly request that Experian review the following disputed accounts and verify the accuracy of the reported information. These accounts appear to be inaccurately reported, and I would appreciate your prompt attention to this matter. 

Charged Off Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 explanation
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( 2023 ), Kirtz ( 2024 ), and Norman v. TransUnion ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-31 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 writing to dispute the following inquiries on my credit report. These inquiries are either inaccurate or were not authorized, and I request a full review and resolution of the issue. 

Disputed Inquiries : XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I kindly ask that you investigate and provide a resolution to these disputed inquiries. If they can not be verified, I request that they be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I opened the checking and savings account on XX/XX/XXXX. I deposited a check from my worker 's compensation and the check cleared a few days later. On XX/XX/XXXX I was notified that my account and funds were blocked. I have not received any information as to why the funds have been held for more than 30 days or why my account has been blocked. The bank still has not released my funds or given me any information as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccur

ate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-10-31 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: DISCOVER BANK
State: TX

Complaint narrative:
Subject : Failure to Investigate Unauthorized Inquiry ( CFPB Complaint # XXXX ) On XX/XX/XXXX, I spoke with XXXX from XXXX XXXX XXXX regarding my pending CFPB complaint and written dispute about an unauthorized hard inquiry from Discover Financial Services . 

XXXX stated that XXXX last update on this matter was recorded on XX/XX/XXXX, referencing a settlement, and that XXXX  would not investigate this inquiry. He further stated that I must contact the creditor ( Discover Financial Services ) myself and obtain a letter from them before XXXX  would take any action. 

This response is incorrect and violates XXXX  legal obligations. Under FCRA 611 ( a ) ( 1 ) ( A ), when a consumer disputes any information on their credit report, including inquiries, XXXX  is required to forward the dispute to the furnisher and conduct its own reinvestigation. The law does not require the consumer to obtain written verification from the creditor before XXXX  investigates. 

This complaint ( # XXXX ) concerns a new, unauthorized inquiry, unrelated to any prior litigation or settlement. XXXX  refusal to investigate violates : FCRA 611 ( a ) ( 1 ) ( A ) Duty to reinvestigate disputed information FCRA 604 ( a ) ( 2 ) Permissible purpose requirements FCRA 607 ( b ) Duty to ensure maximum possible accuracy I request that the CFPB reopen and review this complaint due to XXXX  failure to comply with federal reinvestigation requirements. Attached is my written follow-up letter to XXXX  ( dated XX/XX/XXXX ) for reference. 

I respectfully ask that the CFPB require XXXX  to perform a lawful reinvestigation and provide written confirmation of deletion or verification of this unauthorized inquiry. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( last 4 ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  and Ive never had an XXXX XXXX XXXX account that was created willingly under my name. My captors are responsible for the aforementioned debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. A personal line of credit account was fraudulently opened in my name without my knowledge or authorization. The account does not belong to me, and I have never applied for or used this account. Despite several written disputes and requests for verification, the company has failed to provide any supporting documentation proving that this account is valid or that I am responsible for it. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the account is fraudulent, but it continues to appear on my credit file. The company has not provided a copy of any signed application or agreement showing I opened this account, verification of the alleged debt, any documentation linking me to this account beyond what appears to be computer-verified information. I have also requested removal of this account multiple times and cited my status as a victim of identity theft, but the company continues to report this account. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the company to immediately delete this fraudulent account from my credit reports, provide verifiable documentation that proves I am responsible for this account, and cease all collection activity related to this account in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure this fraudulent account is investigated properly and permanently removed from my credit history. 

Fraudulent account information : XXXX  - date opened XX/XX/year> - account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am a victim of identity theft. A personal line of credit account was fraudulently opened in my name without my knowledge or authorization. The account does not belong to me, and I have never applied for or used this account. Despite several written disputes and requests for verification, the company has failed to provide any supporting documentation proving that this account is valid or that I am responsible for it. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the account is fraudulent, but it continues to appear on my credit file. The company has not provided a copy of any signed application or agreement showing I opened this account, verification of the alleged debt, any documentation linking me to this account beyond what appears to be computer-verified information. I have also requested removal of this account multiple times and cited my status as a victim of identity theft, but the company continues to report this account. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the company to immediately delete this fraudulent account from my credit reports, provide verifiable documentation that proves I am responsible for this account, and cease all collection activity related to this account in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure this fraudulent account is investigated properly and permanently removed from my credit history. 

Fraudulent account information : XXXX  - date opened XX/XX/year> - account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$370.00}

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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
I did not know I had an outstanding balance of XXXX XXXX  dollars. Nobody called me or sent mail requesting payments. I just started getting emails out of nowhere saying I owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
XXXX XXXX IS MISTAKENLY REPORTING MY XXXX MORTGAGES LATE. I WAS ENROLLED UNDER A FOREBEARANCE ON BOTH ACCOUNTS AND MADE PAYMENTS SATISFACTORY ON EACH TO MAINTAIN THE FOREBEARANCE. PLEASE SEE THE FOREBEARANCE TERMS ATTACHED ALONG WITH MY BANK STATEMENTS SHOWING PROOF OF PAYMENT. A PAYMENT OF {$100.00} TO EACH MORTGAGE ACCOUNT WAS REQUIRED THROUGH THE MONTHS OF XX/XX/year> - XXXX XXXX. MY BANK STATEMENTS SHOW PAYMENTS MADE SATISFACTORY. PLEASE REMOVE ALL LATE PAYMENTS ASSOCIATED TO BOTH MY CHASE MORTGAGE ACCOUNTS PLEASE. PLEASE NOTE THAT I SOLD MY PROPERTY ON XXXX OF THESE LOANS THAT HAS THE ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA. 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 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: WI

Complaint narrative:
I'm a mortgage processor working with a borrower and I have a signed authorization to obtain the payoff statement. My first contact with the company XXXX Radius Global Solutions ) was XXXX business days ago. They received the borrower 's authorization on the XXXX after I talked to a supervisor and he said I would receive correspondence when the authorization was received. I did not. They confirmed receipt on the XXXX when I called. They also confirmed that they could find the account I was referencing. She said I can expect communication in XXXX hours even though that window had already passed. I called on the XXXX, spoke with a supervisor and was told that I would receive the payoff within XXXX hours and got the supervisor 's direct line. I called that number today ( XXXX ) after waiting XXXX hours and was told that I needed to call a different number. Called the number and got a voicemail. Additionally, when the borrower called them, they were told that the account couldn't be found so this has been going on more than a week. I have told them that we need to pay this off before they can refinance and this is what's holding us up.

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 2025-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: UT

Complaint narrative:
They are calling my dad and I XXXX times a day to get a payment when I told them 4 times now I cant afford to make XXXX until XXXX. They are stressing my dad out and making an XXXX XXXX  old man extremely sick.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: IN

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-31 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: PA

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with XXXX parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with explanation