vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-27 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 have reason to believe that my personal information has been compromised as a result of the recent TransUnion data breach.this is very concerning under the FCRA because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidence of consumers data.

Under my right provided by the FCRA specifically section 602,607,611 and 15 usc 1666b as well as the Gramm-leach-billet act. Im requesting the immediate deletion of any accounts, inquiries or records that can not be fully verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
I tried to withdrawal {$200.00} out of an XXXX atm and it took the money back I filed a dispute and still I never got my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 hard 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.

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 2025-10-27 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 hard 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX RE : Debt Validation Request under XXXX U.S.C. XXXX Account ending in XXXX To Whom It May Concern, This letter is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full validation and verification of the alleged debt you claim I owe in the amount of {$510.00}, which you assert originated with XXXX XXXX XXXX. 
This is not a refusal to pay, but a notice that your claim is disputed. I am requesting that you provide the following documentation to substantiate your claim and prove your legal standing to collect this alleged debt : XXXX. Proof of Assignment and Ownership : - Provide a copy of the assignment or bill of sale transferring ownership of the alleged account from XXXX XXXX XXXX. to Portfolio Recovery Associates , LLC. - This proof must include identifying information showing the alleged debt was legally sold and assigned to your company. 
XXXX. Full Accounting and Contractual Basis : - A complete itemized statement showing how the alleged balance of {$510.00} was calculated, including all interest, fees, and payments. - A copy of the original signed contract or agreement bearing my signature, which creates the alleged obligation and authorizes any charges. 
XXXX. Verification of Collection Authority : - Proof that your company is licensed to collect debts in the State of XXXX  and is authorized to collect on behalf of the alleged original creditor. 
Under 15 U.S.C. 1692g ( b ), you must cease all collection activity until you have provided the requested validation. Reporting unverified or inaccurate information to credit bureaus violates 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ).

Please note the following case law references that support my right to full validation : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : The court held that a collector must cease all collection activities until debt validation is provided. - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : A collector must provide more than mere statements ; they must show proof of the debt and assignment. - Fields v. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Validation requires itemization of the debt and explanation of added fees. 
If you can not provide the above documentation within 30 days, you are required to : - Cease all collection efforts, - Remove any negative information from my credit reports, and - Confirm in writing that this matter is closed. 
All communications regarding this matter should be in writing only. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Disputed accounts must be cleared promptly, according to legal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: AZ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
ex husband opened accounts under my name and social security number and fraudently using my name and date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Attorneys USA LLC
State: AZ

Complaint narrative:
I was contacted by a collection agency that did not state what company they were from. I was left with a voicemail that stated this. 
XXXX, this is XXXX XXXX contacting you in regards to your claim number XXXX XXXX since I was unable to reach you by phone and I have an instruction to contact your place of business. Because it looks like that's going to be your likely place of location. XXXX XXXX, you do have a right to contact the office handling your claim. However, once released from that office, it is no longer an option. Better set office is XXXX. Best of luck Best of luck moving forward. 
The phone number had no return call ID. I called them right away becuase a friend had called me that they were looking for me and that they were calling from a mariposa country sharifs office and that they had a officer assigned to my case regarding a debt I owe to accima leasing. They had told me I had to pay XXXX dollars and they dont know how long they have it on their fest until it leaves and if it does Ill have to pay XXXX in court and fees. The second voice mail I got was from this number ( XXXX ) XXXX and this was as stated in the voicemail. XXXX, this is XXXX XXXX contacting you once again in regards to your claim that's now already filed into the county. I have reached out to you several times over the last few days, and all correspondence has been ignored. We have now verified a commercial as well as several residential locations. Understand that you do still have the right to contact the office, filing the claim prior to the order of location being released. When your claim is discharged from that office, it is no longer an option. Understand each time we have reached out to you, has been documented, so you will not be able to state that you had no prior knowledge of this matter. XXXX  said office is XXXX  when you call you have a claim number and XXXX XXXX XXXX this is considered your final notification by telephone and you will be located in unless I'm instructed Office is XXXX. When you call, you need a claim number and XXXX XXXX XXXX XXXX this is considered your final notification by telephone and you will be located unless I'm instructed otherwise. 
I called them back and they wanted me to virify my name date of birth and social. I only verified my birthday and they said they didnt need to verify my social which was very weird. I contacted acima leasing and they told me the collection agency that takes their debt are ever aggressive and had a lot of complaints from other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC bank is charging my escrow account with ~ {$5000.00} for LENDER PLACE INSURANCE-LPI that the bank bought on XX/XX/XXXX. 
This FORCED insurance was canceled by the bank the very next day on XX/XX/XXXX. 

Issue # XXXX : PNC is providing a policy that has no actual coverage : This policy was bought with a coverage starting XXXX and a half months in the past. Period of the XXXX ( policy : XX/XX/XXXX to XX/XX/XXXX. The policy in reality just covered " XXXX day '' but I am being charged a severe financial burden ~ {$5000.00} due to not renewing or buying a new policy when the previous one expired on XX/XX/XXXX. 
( I acknowledge that my homeowner 's insurance lapsed in XX/XX/XXXX. This was an oversight on my part. ) Issue # XXXX : PNC Bank insurance tracking needs improvement. PNC Bank mail me a XXXX notice paper letter on XX/XX/XXXX which is XXXX months ( XXXX days ) after the policy had expired. PNC has an insurance tracking issue that needs to be addressed. I got a XXXX notice that was mailed out XX/XX/XXXX Issue # XXXX : PNC Bank ONLINE banking should improve. I did not receive these notices via email, nor were them available in the " Account Letters and Notices '' section of my online banking. 
Its important to highlight that PNC frequently sends me emails, making this oversight notable. This situation made things worst for me, as I had to travel overseas due to my mother 's passing on XX/XX/XXXX. I was away from XX/XX/XXXX to XX/XX/XXXX. 

Issue # XXXX : PNC Bank lack of customer service reps training and misguiding. 
a ) Upon my return on XX/XX/XXXX I read the letters the very next day and immediately called the bank. I spoke to " XXXX '' on XX/XX/XXXX at XXXX XXXX who misguided me and told me that I would get a XXXX notice and after that I had XXXX  days to resolve the issue. Anyhow I took action immediately and bought homeowner hazard insurance on XX/XX/XXXX after getting a XXXXPoint inspection and getting estimates. 
b ) After I bought the policy on XX/XX/XXXX I got an email from PNC bank telling that the bank had bought XXXX the same day. I immediately called the bank on XX/XX/XXXX and spoke to XXXX. She put me on hold and then told me that " no worries the policy has been canceled and the charge removed from my escrow account ''. 

Issue # XXXX : PNC bank recordings of client and customer reps communications getting lost. After my claim was escalated to the ECR - Executive Customer Relations I was told that I didn't call on XX/XX/XXXX. The PNC official who proceeded to make the LPI purchased was suppose to find out if there was any communication from the client. But no, he went ahead and pushed the " nuclear bottom ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is 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 2025-10-27 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: CA

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-10-27 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  - XXXX * * * * XXXXXXXX XXXX  - XXXX * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have identified collection accounts on my report that appear to contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified, they must be removed.

Company response to consumer: Closed with explanation