vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit standing and credit score. I previously contacted your agency and was assured these unauthorized inquiries would be removed ; however, they remain. This continued failure to take corrective action is unacceptable. 

The ongoing presence of these potentially fraudulent inquiries raises serious concerns about identity theft and is causing significant emotional and financial distress.

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 2025-07-24 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: MD

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-07-24 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: WA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX, # XXXX, # XXXX & # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report 7 fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize and which are the result of identity theft and fraud. These accounts include credit cards at XXXX XXXX ( XX/XX/XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XX/XX/XXXX, # XXXX XXXX XXXX XXXX XXXX  ) ; a secured loan at XXXX ( XX/XX/XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ; unsecured loans at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 triggered multiple fraudulent hard inquiries and collections. I demand that all listed fraudulent items be removed from my credit reports and that all related collection activity cease, pursuant to my rights under the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. cXXXXe XXXX ( XXXX ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC XXXX ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates , LLC has repeatedly violated both federal and California law by continuing to send me unsolicited text messages after I expressly revoked my consent, in clear violation of the Telephone Consumer Protection Act ( TCPA ), XXXX XXXX. XXXX, and Californias XXXX Fair Debt Collection Practices Act ( XXXX ), XXXX. XXXX. CXXXXe XXXX. 

After receiving an initial debt collection text that included instructions to reply STOP to unsubscribe, I replied STOP and received a confirmation stating I had successfully unsubscribed. Despite this, they have continued to send me unwanted text messages daily. I have replied STOP over XXXX times, but the communications have not ceased. 

This conduct is a clear violation of the XXXX, which requires immediate cessation of communications upon a consumers opt-out request ( see * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX XXXX  ). Additionally, under the California XXXX, continued collection attempts after a consumer revokes consent are prohibited as unfair and deceptive practices ( XXXX. XXXX. CXXXXe XXXX, incorporating the Fair Debt Collection Practices Act, 15 U.S.C. XXXX ( c ) ). Their persistent messages also violate the California Consumer Privacy Act ( CCPA ), XXXX. XXXX. CXXXXe XXXX, which grants me the right to opt out of communications and sale of my personal information. 

As a consumer diagnosed with anxiety and depression, this relentless and willful harassment has caused significant emotional distress and disruption to my daily life. Their actions are not just a minor annoyance but a knowing, ongoing violation of my rights under both federal and state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ 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 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX, I received a communication from [ insert name of the debt collection company ] regarding an alleged debt. The notice failed to include the legally required statement that the debt would be assumed valid unless I disputed it within XXXX days. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. CXXXXe XXXX ( a ) ( XXXX ), which requires this notice to be clearly stated in initial communications or within XXXX days thereafter. 

Because of this omission, I was not properly informed of my rights or how to dispute the debt, and this could mislead or pressure consumers who are unfamiliar with debt collection laws. 

Actions Taken : I have not acknowledged or paid the debt, and I have kept a copy of the letter for my records. I am requesting that the company correct this violation and cease further collection efforts. 

Amount Involved : The alleged debt is for {$690.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Follow-Up CFPB Complaint # XXXX Account Ending in XXXX Balance : {$2500.00} Date Originally Reported : XX/XX/XXXX No Response Since : XX/XX/XXXX -- - To : Consumer Financial Protection Bureau RE : Follow-up Unanswered CFPB Complaint # XXXX ( Portfolio Recovery Associates ) Dear CFPB, I am writing to submit a formal follow-up complaint regarding the unresolved account with Portfolio Recovery Associates ( XXXX ), originally submitted through the CFPB portal on XX/XX/XXXX, under Complaint ID # XXXX. 

The account, ending in XXXX, is still being reported on my credit file as an open collection account with a balance of {$2500.00}. XXXX has not responded to my original complaint despite the CFPBs standard XXXXday response window, nor have they provided any legally sufficient validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

This continued reporting is inaccurate, incomplete, and harmful to my credit profile. The company has ignored both my direct dispute and the CFPBs intervention, violating my rights under federal law. 

I am now requesting : Immediate deletion of this account from all credit bureaus ( XXXX XXXX XXXX ) Confirmation that Portfolio Recovery is being held accountable for non-response and noncompliance Thank you for your assistance in enforcing consumer protections. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
Please assist me in initiating an investigation regarding these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC XXXXg, I am formally requesting their removal within the next XXXX days. I have attached all necessary documentation for your review. Additionally, the data reported for these accounts is inconsistent across the XXXX credit bureaus and contains several discrepancies.

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 2025-07-24 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: HI

Complaint narrative:
This complaint is not being submitted in error. My credit report contains inaccurate and unverifiable information that fails to meet the legally required standard of maximum possible accuracy. These reporting errors are causing serious and ongoing harm to my financial stability and personal well-being. 

This situation is unacceptable and is placing an undue burden on me during an already challenging time.

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 2025-07-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
I had logged in to try this program, realized it was very fraudulent and canceled without agreeing to anything. It showed up as a debt in my credit report a few weeks ago and I was never notified of it nor associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal, XXXX, and XXXX have engaged in illegal censorship campaigns against many reputable media hosting platforms, notably XXXX and XXXX, pressuring them to remove media from their stores under threat of pulling their ability to process payments due to extremely arbitrary and perfectly legal fictional XXXX content said payment processors deem objectionable. These efforts are undertaken largely at the behest of authoritarian fundamentalist XXXX censorship organizations, whose claims of harm are subjective moral qualms with no scientific credibility. These content bans are XXXX XXXX, XXXX, and XXXXfreedom of expression. Unjust as these crusades already are, they will extend to innocuous non-explicit XXXX media and XXXX XXXX materials, as every Moms for XXXX book banning campaign has. As a XXXX artist and XXXX XXXX XXXX this hurts me, my business, and my communities. As a result of these efforts, XXXX and XXXX have banned, de-listed, and even removed certain games which are otherwise within their XXXX from the libraries of customers who legally bought them with no notice or refund issued. XXXX XXXX, especially XXXX and XXXX, are having their livelihoods stripped despite their works being legal and adhering to their hosts ' content standards. Payment processors are not lawmakers and have no right to dictate how consumers spend their own money or what vendors may sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( 15 U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$610.00}

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 2025-07-24 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: Global Lending Services LLC
State: NY

Complaint narrative:
On XX/XX/year>, there were three unauthorized hard credit inquiries made on my XXXX  credit report from the following companies : XXXX XXXX Global Lending Services XXXX XXXX  All inquiries are connected to XXXX XXXX XXXX XXXX XXXX XXXX, a car dealership located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

I have never authorized XXXX XXXX or any of these lenders to run my credit. In fact, I have not spoken to or transacted with the dealership at all regarding any financing, applications, or purchase agreements. The car that originally led me to interact with this dealership was stolen from me prior to this activity, I made no formal request or application for financing, nor did I sign or agree to any terms allowing the dealership to shop my credit or initiate a loan. 

This appears to be a deliberate misuse of my personal information and a fraudulent attempt to finance or repossess the stolen vehicle without my knowledge or consent. I consider this a violation of my rights under the FCRA and a potential case of identity theft or credit abuse. 

I am requesting the following : Immediate removal of these three hard inquiries from my credit report. 
A formal investigation into the dealerships behavior and how they obtained and used my personal information. 
Accountability for any fraudulent or deceptive actions taken by XXXX XXXX or the associated lenders. 

I am attaching screenshots and documentation of the unauthorized inquiries and will cooperate fully with any follow-up steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Westlake Services, LLC
State: NY

Complaint narrative:
On XX/XX/year>, there were three unauthorized hard credit inquiries made on my XXXX  credit report from the following companies : XXXX XXXX XXXX XXXX XXXX NOWCOM/XXXX  XXXX  All inquiries are connected to XXXX XXXXXXXX XXXX XXXX XXXX XXXX, a car dealership located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

I have never authorized XXXX XXXX or any of these lenders to run my credit. In fact, I have not spoken to or transacted with the dealership at all regarding any financing, applications, or purchase agreements. The car that originally led me to interact with this dealership was stolen from me prior to this activity, I made no formal request or application for financing, nor did I sign or agree to any terms allowing the dealership to shop my credit or initiate a loan. 

This appears to be a deliberate misuse of my personal information and a fraudulent attempt to finance or repossess the stolen vehicle without my knowledge or consent. I consider this a violation of my rights under the FCRA and a potential case of identity theft or credit abuse. 

I am requesting the following : Immediate removal of these three hard inquiries from my credit report. 
A formal investigation into the dealerships behavior and how they obtained and used my personal information. 
Accountability for any fraudulent or deceptive actions taken by XXXX XXXX or the associated lenders. 

I am attaching screenshots and documentation of the unauthorized inquiries and will cooperate fully with any follow-up steps.

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 2025-07-24 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:
On XX/XX/year> Equifax reported a fraudulent account ( XXXX Account # XXXX ) on my credit report. Immediately the next day on XX/XX/year> I went to a XXXX XXXX  and confirmed with the branch manager XXXX XXXX that I never opened or authorized anyone to open XXXX Account # XXXX and that it was fraud and that I was a victim of identity theft. I followed up with the branch manager and provided her and XXXX with a police report, FTC identity theft affidavit and CFPB complaint about my identity being stolen and the defamation of my reputation. To date the fraudulent account has been closed and is being investigated. 

However Equifax is still reporting this fraudulent account ( XXXX Account # XXXX ) that occurred from identity theft on my credit report. I have sent Equifax a dispute letter detailing the fraudulent account along with my passport Identification, Police Report, FTC Identity Theft Affidavit, proof of address, requesting that Equifax block this fraudulent information from my account pursuant to FCRA section 605 B U.S.C. 15 section 1681 c-2.

Company response to consumer: Closed with non-monetary relief