vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im contacting you regarding an account currently showing on my credit report that is completely inaccurate and not mine. After reviewing my report carefully, I noticed that this account has absolutely no connection to me, and I need it to be corrected immediately. 

From what I can tell, this is a case of mixed or misreported information, and it is now affecting my credit profile in a way that is both unfair and unacceptable. Whether it was reported in error or linked to my file due to a data entry mistake, the bottom line is this : I have no affiliation with this account, I did not open it, and I have no responsibility for it. 

This kind of reporting not only violates the standards of accuracy outlined under the Fair Credit Reporting Act ( FCRA ), but its also actively harming my ability to maintain a healthy financial standing. Under Section 607 ( b ) of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. That standard is clearly not being met here.

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 2025-09-22 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting an account ending in XXXX on my XXXX  credit report without providing account-level proof that they own this debt or have the legal right to furnish this information. The only documentation they provided was a generic Notice of Sale letter from XXXX XXXX, which lists my name and balance but does not include a bill of sale, purchase agreement, or complete chain of title that directly links my account to PRA. Without this, there is no verifiable evidence that my account was legally transferred to PRA or that they have a permissible purpose to report under the Fair Credit Reporting Act ( FCRA ).

PRA claims they purchased the account, but under FCRA 604 ( a ), a company must have a documented permissible purpose, which requires ownership or assignment of the specific account. A generic notice of sale does not establish this.

Furthermore, under FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ), furnishers must conduct a reasonable investigation and delete information that can not be verified. PRA has failed to provide any valid verification beyond a template notice. Under FDCP
A 809 ( 15 U.S.C. 1692g ), PRA also has an obligation to provide proper validation when a debt is disputed, which they have not satisfied.

It is also important to note that PRA previously deleted another account they were reporting against me after XXXX  found inconsistencies in their reporting. This shows a clear pattern of inaccurate, incomplete, and unreliable reporting practices.

Because PRA has not provided proper proof of ownership, validation, or account-level documentation, and due to their history of deleting inaccurate tradelines, this remaining account is unverifiable and must be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Debt Validation and Inaccuracy Statement : Pursuant to 15 U.S.C. 1692g ( b ), I dispute and request validation of the alleged debts reported by XXXX and XXXX XXXX. I do not recognize : The account numbers being reported. 
The account status being shown ( charged-off ). 
The high balances claimed. 
The late payments associated with these accounts. 
Everything being reported is inaccurate, unverifiable, and not consistent with my records. These accounts have never been validated by the furnishers despite my repeated disputes. 
Further, Experians continued reporting of these unverifiable accounts is a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] duty to assure maximum possible accuracy.

611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ] duty to reinvestigate and delete unverifiable information.

611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] unverifiable information must be deleted. 
Since I do not recognize these accounts in any form, and they have not been validated under the FDCPA, they must be permanently deleted from my Experian credit file.

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 2025-09-22 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: VT

Complaint narrative:
I am filing this complaint regarding XXXX  failure to safeguard my personal data and the continued inaccurate reporting of my student loan account to Experian and Equifax. 

My personal information was compromised in XXXX recent data breach. The exposed information included my full name, Social Security number, date of birth, home address, phone number, email address, and student loan account details. This breach has left me highly vulnerable to identity theft and fraud. Since the breach, XXXX has not taken sufficient steps to protect me or to ensure that the information furnished to credit bureaus is accurate and secure. 

In addition, the loan account reported by XXXX is inaccurate and/or unverifiable. I disputed this account with all three credit bureaus. TransUnion investigated and removed the XXXX account from my credit report, which demonstrates that the information could not be properly verified or was otherwise inaccurate. Despite this, Experian and Equifax continue to report the account, and XXXX has failed to correct the information. 

As a result of XXXX  breach and inaccurate reporting, I have suffered the following harms : Increased risk of identity theft due to compromised personal information. 

Out-of-pocket expenses for credit monitoring and identity theft protection. 

Emotional distress, anxiety, and loss of peace of mind from knowing my Social Security number and financial details are exposed. 

Potential financial harm from inaccurate credit reporting, including denial of credit, higher interest rates, and damage to my credit reputation. 

Requested resolution : That XXXX provide a full explanation of how my personal data was breached and what corrective actions are being taken. 

That XXXX provide free identity theft protection and credit monitoring services. 

That XXXX, Experian, and Equifax remove the inaccurate loan account or correct it with verifiable, accurate information. 

That XXXX provide supporting documentation verifying the accuracy of the information it furnishes. 

That the CFPB ensure XXXX and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and take steps to protect consumers from further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NM

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: VT

Complaint narrative:
I received an alert that a new auto loan was on my credit report. The loan was opened on XX/XX/year> in the amount of {$17000.00}. I have not purchased any vehicle. This is fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CL Holdings LLC
State: MO

Complaint narrative:
XXXX XXXX {$1300.00} ... acquired information illegally XXXX XXXX {$250.00} ... acquired information illegally XXXX XXXX {$850.00} ... acquired information illegally XXXX XXXX {$850.00} ... acquired information illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Central Portfolio Control Inc.
State: MO

Complaint narrative:
XXXX XXXX {$1300.00} ... acquired information illegally XXXX XXXX {$250.00} ... acquired information illegally XXXX XXXX {$850.00} ... acquired information illegally XXXX XXXX {$850.00} ... acquired information illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have disputed several claims on my credit which has been removed and score increased, but it affected many job, income and business opportunities due to my score. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX Date : XX/XX/XXXX To : TRANSUNION XXXX XXXX Subject : Request for Removal of Unauthorized Credit Inquiries I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 604, inquiries may only be made with my explicit authorization or in connection with a permissible purpose. I have reviewed my credit report and discovered the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX Date : XX/XX/XXXX To : TRANSUNION XXXX XXXX Subject : Request for Removal of Unauthorized Credit Inquiries I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 604, inquiries may only be made with my explicit authorization or in connection with a permissible purpose. I have reviewed my credit report and discovered the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-22 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-22 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-22 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:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-22 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: MO

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-22 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: EQUIFAX, INC.
State: NM

Complaint narrative:
The consumer reporting agency has violated FCRA 609 by failing to conduct a proper reinvestigation of my credit report. I requested a full reinvestigation of every item, yet the bureau either provided inadequate verification or continues to report unverified information. This failure to ensure the accuracy of my consumer report is a direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: LA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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