vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
This year my this year an account was opened up without my knowledge there was transactions made that I did not authorize or approve and there is now an outstanding debt that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-23 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-23 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: VA

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF XXXX  ENTRY VIOLATION OF FEDERAL LAW To Whom It May Concern : I am writing to demand the immediate deletion of the XXXX  entry currently listed on my credit file. After reviewing my credit report, I have identified serious legal violations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2 and 15 U.S. Code 1681a ( 4 ).

VIOLATION OF 15 U.S. CODE 1681c-2 ( Block of Information Resulting from Identity Theft or Inaccuracy ) Under this statute, a consumer has the legal right to request the blocking and permanent removal of any information that is a result of identity theft or is inaccurate. This XXXX  reporting is obsolete, unverifiable, and not legally permissible to continue reporting under this law. You are required to block such information within 4 business days upon receiving a proper noticewhich this letter serves as.

VIOLATION OF 15 U.S. CODE 1681a ( 4 ) This section defines the term consumer report and includes strict limitations on what may be reported and under what authority. A bankruptcy filing that is outdated, inaccurate, or not verified with the original public record violates the permissible scope of reporting. Reporting entities must ensure complete and accurate data. Merely parroting public record data without direct verification from the original source ( e.g., the court ) constitutes a willful violation of federal law. 


DEMAND FOR REMOVAL : Delete all bankruptcy notations from my credit file immediately. 
Cease all further reporting or reinsertion of this information without full legal compliance. 
Provide me with a new copy of my credit report showing the removal. 




Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General, as well as potential legal action for your willful noncompliance and negligent reporting under 15 U.S. Code 1681n and 1681o.

This is your final notice. I expect confirmation of deletion within 15 days from the date of this letter. 

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 explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
RE : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF XXXX  ENTRY VIOLATION OF FEDERAL LAW To Whom It May Concern : I am writing to demand the immediate deletion of the XXXX  entry currently listed on my credit file. After reviewing my credit report, I have identified serious legal violations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2 and 15 U.S. Code 1681a ( 4 ).

VIOLATION OF 15 U.S. CODE 1681c-2 ( Block of Information Resulting from Identity Theft or Inaccuracy ) Under this statute, a consumer has the legal right to request the blocking and permanent removal of any information that is a result of identity theft or is inaccurate. This XXXX  reporting is obsolete, unverifiable, and not legally permissible to continue reporting under this law. You are required to block such information within 4 business days upon receiving a proper noticewhich this letter serves as.

VIOLATION OF 15 U.S. CODE 1681a ( 4 ) This section defines the term consumer report and includes strict limitations on what may be reported and under what authority. A bankruptcy filing that is outdated, inaccurate, or not verified with the original public record violates the permissible scope of reporting. Reporting entities must ensure complete and accurate data. Merely parroting public record data without direct verification from the original source ( e.g., the court ) constitutes a willful violation of federal law. 


DEMAND FOR REMOVAL : Delete all bankruptcy notations from my credit file immediately. 
Cease all further reporting or reinsertion of this information without full legal compliance. 
Provide me with a new copy of my credit report showing the removal. 




Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General, as well as potential legal action for your willful noncompliance and negligent reporting under 15 U.S. Code 1681n and 1681o.

This is your final notice. I expect confirmation of deletion within 15 days from the date of this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A credit account was taken out in my name on XX/XX/25 for {$3000.00} that I did not authorize. This account was established in Texas and I Stay in Florida. I believe this was my ex-wife 's ( XXXX XXXX ) doing as this is not the only account that was open by her. My email and phone number are are not even linked to an account through this company. I contacted the company, and they closed the account. I do not want to be held responsible for the balance.

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 2025-07-23 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: IL

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year>, which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-07-23 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: FL

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2025-07-23 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
On XX/XX/year>, I mailed a written debt validation request to Portfolio Recovery Associates ( PRA ), explicitly requesting : Full documentation validating the alleged XXXX XXXX debt ( including original account records, billing history, chain of custody, and contract ), That all future communications occur only via mail, not by phone. 



The request was received by PRA around XX/XX/year>. I have XXXX tracking and electronic receipt confirmation. 

Despite this, PRA called me by phone in XXXX XXXX, violating my written instructions and my rights under the Fair Debt Collection Practices Act ( FDCPA ). During the call, the representative falsely claimed that I had no right to request validation after 45 days from PRA acquiring the account. This is incorrect and misleading. There is no such federal statute imposing a 45-day limit once collection beginsthis appears to be internal policy misrepresented as law.

Additionally, the representative denied receipt of my written requestdespite proof of deliverythen attempted to pressure me into settling the alleged debt for {$2000.00} without validating the balance. The call escalated until I was transferred to a senior representative, who finally acknowledged that the cease-communication request should have been honored and that the validation documents had not been mailed yet but would be requested. 

This interaction reflects multiple serious concerns : Failure to honor written cease-communication requests Failure to validate the debt upon written request Misrepresentation of consumer rights and deadlines Aggressive collection attempts without proper substantiation These are clear violations under 15 U.S. Code 1692c and 1692g. I am asking the CFPB to investigate PRAs communication and validation practices and ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NC

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 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 2025-07-23 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, Equifax and TransUnion ) credit report, and I noticed some late payments an inaccuracies posted on my credit report : ( Name of the accounts with late payments along with their account numbers. ) XXXX XXXX Account : ( XXXX  ) XXXX XXXX Account : ( XXXX ) XXXX  XXXX XXXX  Account : ( XXXX XXXX XXXX XXXX  Account : ( XXXX ) XXXX Account : ( XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. 6. 7. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address

Company response to consumer: Closed with non-monetary relief