vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for reporting inaccurate and unverifiable information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection laws.

Inconsistent Reporting Across Credit Bureaus : Equifax, TransUnion, and Experian are all reporting different information regarding this account. 
Some list the account as " charged off, '' others say " unpaid balance reported as a loss, '' and TransUnion provides no meaningful payment history.

This violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent data.

Failure to Report Correct Payment History : The account shows a charge-off status with a {$0.00} balance, yet it's being reported as a major derogatory account with multiple lates. 
Payment history contains errors and fails to reflect a properly maintained timeline some months are missing or marked NR with derogatory marks still showing, which is misleading. 
Possible Duplicate Reporting ( If Sold ) : The account is noted as " purchased by another lender. '' If this debt has been sold or assigned to a collection agency ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no longer owns the debt. 
The original creditor should cease reporting this account as it results in duplicate derogatory reporting, violating the FCRA and FDCPA. 
Lack of Verifiable Documentation : I have requested proof of the original account agreement, detailed payment records, and the complete accounting breakdown of charges and charge-off activity. 
No such documents have been provided. As a result, the reported information is unverifiable and must be removed under FCRA 609 and 611.

Relief Requested : I am demanding the immediate deletion of this XXXX XXXX XXXX XXXX account from all three major credit bureaus ( Equifax, TransUnion, and Experian ) due to : Inaccurate, inconsistent, and misleading information Unverifiable data and lack of documentation Possible duplicate reporting by a debt buyer Violation of my consumer rights under FCRA and CFPB regulations

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and removed on my credit file. 
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

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian - Verified Identity Theft Mishandling, FCRA 605B, 609, 611, 610, and UDAAP Violations Denial of File Access, Defamation, and Loss of Home Summary : I am a verified victim of identity theft. I submitted the following to Experian multiple times : XXXX FTC Identity Theft Report Police report ( XXXX Police Department ) Certified proof of government-issued ID and current address Confirmation of my inclusion in the XXXX Data Breach XXXX XXXX XXXX XXXX this XXXX Experian has XXXX Verified a fraudulent XXXX XXXX credit card account without any documentation Repeatedly told me they did not receive my documents, even after they were confirmed by a supervisor Locked me out of my own credit report entirely Dropped my credit score from XXXX to XXXX, resulting in the loss of a {$480000.00} home Issued a defamatory and false system-generated response implying my identity theft claim was made in error or misrepresentation XXXX Key Evidence : ( Recorded call TRANSCRIPTS are ATTACHED ) On XX/XX/2025, Experian XXXX XXXX in the fraud department confirmed Experian had received all documents and opened a case. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I spoke with XXXX, a fraud division rep, who confirmed : My documentation was received The case number XXXX was created for my correct address My real address had been mishandled and stripped due to internal system errors with address variations Despite these confirmations, I continue to be told : " We didnt receive anything '' " Your address is not valid '' " We can not find any documentation '' All of this has occurred after I submitted everything multiple times via : Experian Portal CFPB complaint portal XXXX complaint portal XXXX  Attorney General portal I have spent XXXX months sending proof, disputing lies, and being told to resubmit what I already sent. This experience has been mentally abusive. I lost the home I spent XXXX years preparing to purchase. I equate this to being mentally XXXX by Experians stalling tactics. 

I routed all submissions through federal agencies so there would be a paper trail and federal witnesses. 
XXXX Violations Include : FCRA 605B Failure to block identity theft accounts FCRA 609 Denial of file access FCRA 611 ( a ) ( 7 ) Refusal to disclose how account was verified FCRA 610 Lack of transparency in dispute results UDAAP Unfair, deceptive, and abusive handling of identity theft

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 2025-04-09 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: FL

Complaint narrative:
Hard Inqueries : XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately.

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 2025-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hard Inqueries : XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I recently discovered an account being reported by Portfolio Recovery Associates ( PRA ) on my credit report, claiming I owe {$800.00} for an alleged XXXX XXXXXXXX account. I am formally disputing this debt. I have no knowledge of this account, no contract with XXXX XXXX, and no relationship with PRA whatsoever.

This account is being reported without proper verification or validation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I never received a notice of debt, nor did PRA provide any documentation confirming their
right to collect.

I have submitted a written debt validation request, asking for a signed agreement, a full account history, and proof of PRA 's legal authority to collect in my state. I also requested proof of assignment or purchase from the original creditor. PRA failed to comply with these requests.

Because no valid proof has been provided, I believe this reporting is inaccurate, misleading, and potentially unlawful. This has negatively impacted my credit report, caused emotional stress, and delayed access to financial opportunities.

Furthermore, this is a formal Cease and Desist notice : under FDCPA 1692c ( c ), I hereby demand that Portfolio Recovery Associates cease all communication with me immediately, except to provide the validation requested or to notify me of termination of collection efforts. Any further attempts to contact me or report this unverifiable debt will be considered harassment.

Per estoppel by silence ( Engelhart v. Gravens ), failure to respond or validate constitutes legal acknowledgment that no valid debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ZWICKER & ASSOCIATES
State: MD

Complaint narrative:
Credit card opened in my name fraudulently I asked the creditor to send me validation of the debt and it was not sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a victim of XXXX XXXX. Lost my wallet with all my documents and it was used to open fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( XXXX  ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( XXXX  ). 

As you are aware, the FCRA at Section XXXX and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have opened a Citi bank savings and checking account in XXXX XXXX branch in the last week of XXXX. Approximately one week later, i deposited three legitimate checks totaling XXXX into my accounts at the same branch. The funds were reflected as credited in my account within two business days.

However, shortly thereafter, i noticed i was unable to access my account details. upon contacting Citibank customer service and visiting the XXXX XXXX branch in person, i was informed that my both saving and checking accounts were closed and funds will be disbursed to me by mail. 

despite repeated followup over 2 months, i have received only {$100.00} check with no clarity, timeline or acknowledgement provided regarding the remaining XXXX XXXX lack of transparency, clear communication and failure to release my funds is not only distressing but also unacceptable from a federally regulated financial institution. 

i received the bank statement couple of days back and in the statement the amount marked as other withdrawal wothout any information to the account holder and without any justification. Now i am in a situation to borrow money for my immediate needs. 

i believe this complete violation of consumer trust and potentially a breach of banking regulations. i request CFPB to take immediate and stringent action against Citibank to investigate this matter and facilitate the return of my remaining funds. 

REhards, XXXX XXXX XXXX Account # 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Account # XXXX date reporting late XX/XX/year>. Upon reviewing my consumer reports I discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations with out delay.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit reports. XXXX XXXX XXXX XXXX Account # XXXX date showing late XX/XX/year> Upon reviewing my consumer reports I discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations with out delay.

Company response to consumer: Closed with non-monetary relief