vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 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: CA

Complaint narrative:
Formal Demand to Block Fraudulent Account Under FCRA 605B Identity Theft Victim Notification This is a formal follow-up regarding unresolved fraudulent account that remain on my Equifax credit report despite multiple disputes. I got a letter from Equifax that violates my rights under the FCRA. This letter is not a repeat of prior submissions it includes documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 
I am a victim of identity theft. The following account was opened without my knowledge or consent XXXX XXXX XXXX XXXX  - XX/XX/year> ( Account # : XXXX ) This account was fraudulently created and does not belong to me. I have never entered into any relationship with this creditor. I am invoking my rights under FCRA 605B, which legally requires that credit bureau block this item from my credit file within four ( 4 ) business days after receipt of this letter. 

This submission is fully compliant with all documentation requirements under the FCRA. As such, credit burau is not legally permitted to reject or ignore this request, nor to claim this dispute is frivolous. 
Please confirm in writing that this fraudulent account has been permanently removed from my file and blocked from future reporting. I am not requesting a fraud alert to be placed on my credit file. 
Do not place any fraud alert or security alert on my credit report as part of this request. 
Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 



Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
Formal Demand to Block Fraudulent Account Under FCRA 605B Identity Theft Victim Notification This is a formal follow-up regarding unresolved fraudulent account that remain on my Equifax credit report despite multiple disputes. I got a letter from Equifax that violates my rights under the FCRA. This letter is not a repeat of prior submissions it includes documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 
I am a victim of identity theft. The following account was opened without my knowledge or consent XXXX XXXX XXXX XXXX  - XX/XX/year> ( Account # : XXXX ) This account was fraudulently created and does not belong to me. I have never entered into any relationship with this creditor. I am invoking my rights under FCRA 605B, which legally requires that credit bureau block this item from my credit file within four ( 4 ) business days after receipt of this letter. 

This submission is fully compliant with all documentation requirements under the FCRA. As such, credit burau is not legally permitted to reject or ignore this request, nor to claim this dispute is frivolous. 
Please confirm in writing that this fraudulent account has been permanently removed from my file and blocked from future reporting. I am not requesting a fraud alert to be placed on my credit file. 
Do not place any fraud alert or security alert on my credit report as part of this request. 
Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 



Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
No. They did not provide the information I requested. Ally, XXXX, and XXXX each provided incomplete or conflicting information. None of the companies identified the prior collection agency who handled my XX/XX/year> payment of approximately {$12000.00}. None provided call recordings, payment history, forwarding records, or a corrected deficiency balance. Refund information is also incomplete. 

I also have a documented XXXX condition that impacts my memory and ability to understand pressured collection calls. This is why I am requesting written communication and a full investigation into the missing payment and inconsistent balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
RE : Complaint Against Portfolio Recovery & Credit Bureaus Illegal Reporting Practices To Whom It May Concern : This complaint concerns Portfolio Recovery Associates, XXXX XXXX XXXX XXXX for the unlawful and inaccurate reporting of a XXXX  XXXX debt. 

This account contains : FCRA violations ( 1681e ( b ), 1681i, 1681s-2 ) FDCPA violations ( 807, 808, 809 ) Evidence of re-aging, which is illegal Conflicting dates and amounts across bureaus Incomplete and unverifiable data This false reporting has harmed me financially and professionally.

I request that the CFPB force : Immediate deletion from all credit bureaus Penalties against the furnisher Damages for willful noncompliance Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
Experian previously deleted XXXX fraudulent mortgage accounts ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). They have now been illegally reinserted onto my report without providing the required written notice under FCRA 611 ( a ) ( 5 ) ( B ). These accounts are the result of identity theft and are NOT mine. I have filed an FTC Identity Theft Report and a police report confirming fraud. Experian is in violation of FCRA reinsertion law and identity theft blocking law ( 605B ).

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 2025-11-19 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-19 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 noticed that these inaccurate accounts are still appearing on my credit report, and they still have not been removed at all. This situation is making me extremely anxious, and I am begging that the documents I attached be reviewed carefully so I can finally stop stressing about this.

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 2025-11-19 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: PA

Complaint narrative:
I noticed that these inaccurate accounts are still appearing on my credit report, and they still have not been removed at all. This situation is making me extremely anxious, and I am begging that the documents I attached be reviewed carefully so I can finally stop stressing about this.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to BARCLAYS BANKXXXX XXXX XXXX XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BARCLAYS BANK/XXXX  XXXX has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since BARCLAYS BANK/XXXX  XXXX did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. 
This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure BARCLAYS BANK/XXXX  XXXX XXXX XXXX compliance with FCRA requirements. 

BARCLAYS BANK/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 2025-11-19 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:
RE : Formal Complaint Multiple FCRA, FDCPA, and 15 USC Violations by Credit Bureaus & Data Furnishers To Whom It May Concern : My name is XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX ending in XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX. 

I am filing a formal complaint against TransUnion, Experian, Equifax, and the following furnishers, who are reporting false, inaccurate, incomplete, re-aged, and legally non-compliant information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Legal Violations FCRA Violations 15 USC 1681e ( b ) : Failure to ensure maximum accuracy 15 USC 1681i ( a ) : Failure to reinvestigate 15 USC 1681s-2 ( a ) : Furnishing information known to be inaccurate 15 USC 1681s-2 ( b ) : Failure to correct after dispute 15 USC 1681b : Unauthorized collection and furnishing 15 USC 1681c : Reporting obsolete/inaccurate data FDCPA Violations ( All Collections ) 807 ( 2 ) : False representation of legal status 807 ( 8 ) : Communicating false credit information 808 : Attempt to collect unauthorized amounts 809 ( b ) : Continued collection without validation Requested CFPB Action I request that the CFPB : Order deletion of ALL disputed accounts listed above. 

Impose penalties for repeated FCRA/FDCPA violations. 

Require all furnishers to cease reporting and provide proof of accuracy. 

Award statutory damages up to {$1000.00} per violation per account and additional punitive damages.

Consumer Statement I have repeatedly been harmed financially, emotionally, and professionally due to the bureaus willful negligence and the furnishers unlawful reporting practices. 

I certify this complaint is accurate and truthful. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
RE : Formal Complaint Multiple FCRA, FDCPA, and 15 USC Violations by Credit Bureaus & Data Furnishers To Whom It May Concern : My name is XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX ending in XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX. 

I am filing a formal complaint against TransUnion, Experian, Equifax, and the following furnishers, who are reporting false, inaccurate, incomplete, re-aged, and legally non-compliant information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Legal Violations FCRA Violations 15 USC 1681e ( b ) : Failure to ensure maximum accuracy 15 USC 1681i ( a ) : Failure to reinvestigate 15 USC 1681s-2 ( a ) : Furnishing information known to be inaccurate 15 USC 1681s-2 ( b ) : Failure to correct after dispute 15 USC 1681b : Unauthorized collection and furnishing 15 USC 1681c : Reporting obsolete/inaccurate data FDCPA Violations ( All Collections ) 807 ( 2 ) : False representation of legal status 807 ( 8 ) : Communicating false credit information 808 : Attempt to collect unauthorized amounts 809 ( b ) : Continued collection without validation Requested CFPB Action I request that the CFPB : Order deletion of ALL disputed accounts listed above. 

Impose penalties for repeated FCRA/FDCPA violations. 

Require all furnishers to cease reporting and provide proof of accuracy. 

Award statutory damages up to {$1000.00} per violation per account and additional punitive damages.

Consumer Statement I have repeatedly been harmed financially, emotionally, and professionally due to the bureaus willful negligence and the furnishers unlawful reporting practices. 

I certify this complaint is accurate and truthful. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am disputing fraudulent cash advance transactions on my business credit card account that were obtained as part of a sophisticated investment scam. The charges, totaling {$11000.00}, were made by imposters and should be removed from my account. 

XXXX XXXX XXXX failed in its duty to protect its business client. The approval of these large, rapid cash advances was a catastrophic failure of basic anti-fraud protocols. This pattern of activity is a classic, glaring red flag for financial fraud that any reasonable system should have flagged and blocked. By approving these transactions, XXXX acted as the essential financial conduit that enabled the scammer to access these funds. 

I have reported this fraud to the XXXX XXXX Police Department ( Case # [ Your Number ] ). Despite my timely reporting and dispute, XXXX has not removed the fraudulent charges and has allowed interest and fees to accrue, increasing the disputed balance to {$12000.00}. 

I have now also sent a formal written dispute letter via certified mail to XXXX XXXX official billing address, as required by the Fair Credit Billing Act. 

I expect XXXX to conduct a proper investigation, permanently remove the entire disputed balance ( including all associated fees and interest ), and correct 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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Winklevoss Exchange LLC
State: WI

Complaint narrative:
Since XX/XX/year> I've been unable to log in to my XXXX account on my iphone. The XXXX  app instructed me to contact XXXX customer service. The two-factor authentication stopped working. Over the course of two months, communication was very sparse. I would ask questions and they would fail to answer, and they would respond days later saying that they were closing the case since they hadn't heard from me. XXXX  customer service has been very difficult to work with. On a good day, they respond by sending one email per day with overly simple instructions or questions. There is no way to speak with anyone to get resolution for complex issues. XXXX deleted my two-factor authentication that I had been using, and I was still unable to log in. XXXX indicated that I should change my email to avoid using XXXX!, but since I couldn't log in I couldn't change my email. After two-and-a-half months, XXXX  customer service told me I should log in using a laptop. I was able to log in a single time this morning, XX/XX/year>. I was able to convert funds, but I was unable to follow up with a transfer to a wallet outside of XXXX since it was asking me to access the two-factor authentication which had been deleted by XXXX. I reached out to XXXX to let them know that there was progress, but there has been no response. 

I attempted to log in this evening, but my password isn't working. I attempted to reset my password. After an extended period of time, I received the password reset email and entered the code. Now it's asking me to enter the code from the Authenticator, which is what XXXX stopped letting me use in the first place. Attempts to enter the code from the Authenticator aren't working. Now I'm effectively locked out of my account again.

Company response to consumer: Closed with explanation