vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
Re : Formal Complaint Against Equifax Refusal to Remove Identity Theft Account and Blockage of Documentation Submission Additionally, I spoke with an Equifax representative named XXXX on XX/XX/year>. During this call, I was informed that I could not submit any supporting documents for my active dispute, and that Equifax has no other process for accepting such documents. This refusal directly impedes my ability to provide evidence supporting my identity theft claim. 
Dear CFPB, I am filing a formal complaint against Equifax Information Services LLC for failing to remove a fraudulent account from my credit report, despite clear evidence of identity theft and multiple prior disputes.This account has already been removed by XXXX  and XXXX  following their investigations and proper handling of my identity theft documentation. I have disputed the same account three times with Equifax, but they continue to verify it as accurate.Even more concerning, Equifax is now falsely reporting that I never disputed the account, which is completely inaccurate.I recently attempted to dispute it a third time and tried to upload my supporting documentation ( FTC Identity Theft Report, proof of identity ), but the online portal would not allow uploads. I called Equifax and was told that I can not upload documents to an active dispute, and that they will not accept them by any other method. This prevents me from properly supporting my claim and violates my rights under the Fair Credit Reporting Act ( FCRA ) .At this point, I am no longer asking for another investigation. This account has already been proven fraudulent by two other credit bureaus and should have been removed long ago.I am requesting the CFPB to take immediate action and require Equifax to : - Permanently delete the fraudulent account from my credit report without further delay or investigation.- Correct all reporting related to this dispute, including removing any claim that I never disputed the account.- Confirm the account has been removed in writing.I have attached : - My dispute letter to Equifax- FTC Identity Theft Report- Proof of identity and address- Thank you for assisting in resolving this long-standing and improperly handled identity theft matter.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Disputed Account Continues to Be Reported Without Proper Validation Creditor : Portfolio Recovery Associates , LLC Original Creditor : XXXX XXXX XXXX. 
Account Number : XXXX Reference Number : XXXX Subject : Complaint Against Portfolio Recovery Associates , LLC Account Number : XXXX Reference Number : XXXX Dear to whom it may concern, I am writing to follow up on my original complaint regarding Portfolio Recovery Associates , LLC. After receiving their response dated XX/XX/year>, I am not satisfied with the outcome. They provided minimal documentation and have failed to prove that the information they are furnishing to the credit bureaus is accurate and verifiable as required under the Fair Credit Reporting Act ( FCRA ).

Most notably, Portfolio Recovery Associates , LLC has associated my account with an address I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is incorrect and constitutes a serious inaccuracy in their records. I have never resided at this address, and I believe this misidentification raises questions about the integrity of their data and their right to report this debt on my credit report. I request your continued assistance to ensure that Portfolio Recovery Associates is held accountable for proper reporting and compliance with federal law. Please include this information as part of my original complaint record.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 2025-07-31 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccurate late payments and a charge-off reported by XXXX XXXX  on my credit report. My loan was paid in full in six scheduled payments, all made on time. After my final payment, I was never notified of any remaining balance.

Later, the bank reported very small balances of {$0.00}, {$0.00}, and {$0.00}, which were never invoiced or disclosed, and used those amounts to mark my account as 30, 60, and 90 days late, followed by a charge-off.

I contacted the company, and they acknowledged these were interest charges, but they should have been included in the agreed six-payment plan. No bill or notice was ever provided for these amounts.

This inaccurate reporting has severely damaged my credit score and delayed my mortgage process. I am requesting that all inaccurate late payments and the charge-off be removed from my credit report. Supporting documentation showing all payments on time is attached.

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 2025-07-31 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 disputing inaccurate late payments and a charge-off reported by XXXX XXXX on my credit report. My loan was paid in full in six scheduled payments, all made on time. After my final payment, I was never notified of any remaining balance.

Later, the bank reported very small balances of {$0.00}, {$0.00}, and {$0.00}, which were never invoiced or disclosed, and used those amounts to mark my account as 30, 60, and 90 days late, followed by a charge-off.

I contacted the company, and they acknowledged these were interest charges, but they should have been included in the agreed six-payment plan. No bill or notice was ever provided for these amounts.

This inaccurate reporting has severely damaged my credit score and delayed my mortgage process. I am requesting that all inaccurate late payments and the charge-off be removed from my credit report. Supporting documentation showing all payments on time is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate late payments and a charge-off reported by XXXX XXXX on my credit report. My loan was paid in full in six scheduled payments, all made on time. After my final payment, I was never notified of any remaining balance.

Later, the bank reported very small balances of {$0.00}, {$0.00}, and {$0.00}, which were never invoiced or disclosed, and used those amounts to mark my account as 30, 60, and 90 days late, followed by a charge-off.

I contacted the company, and they acknowledged these were interest charges, but they should have been included in the agreed six-payment plan. No bill or notice was ever provided for these amounts.

This inaccurate reporting has severely damaged my credit score and delayed my mortgage process. I am requesting that all inaccurate late payments and the
charge-off be removed from my credit report. Supporting documentation showing all payments on time is attached.

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 2025-07-31 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I am writing to formally report a fraudulent transaction that occurred on my account and to express my concern regarding the response I received from your institution. 

On XX/XX/year>, I discovered a suspicious money order transaction. I did not authorize this transaction, and I believe I have been the victim of a scam. I promptly contacted PNC bank and provided all necessary information, including the last digits of the scammers account and the transaction details. However, I was informed that nothing could be done to stop or reverse the transaction, which I find deeply troubling.

What raises even more concern is that the transaction was not cleared immediately there was a noticeable delay between the deposit and the clearance. Given this time gap, I find it unacceptable that the bank did not take action when alerted in a timely manner.

As a customer, I expect the financial institution to provide a certain level of protection and responsiveness in cases of fraud. I am requesting a full investigation into this matter, and I ask that you provide a written explanation of the banks decision not to intervene. I would also like to know what steps, if any, are being taken to help recover the funds or prevent this type of incident from happening again. Please consider this an official dispute of the transaction in question. I would appreciate a prompt response and a case number for reference.

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX Date : XX/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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-31 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-31 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXXXXXX XXXX : {$410.00} XXXX XXXX ) XXXX XXXX XXXX Amount : {$860.00} XXXX XXXX ) XXXXXXXX XXXX XXXX  Amount : {$430000.00} XXXX XXXX ) XXXX XXXX  XXXX  Amount : {$200000.00} XXXX XXXX ) XXXX XXXX XXXX Amount : {$120000.00} XXXX XXXX ) XXXX XXXX  Amount : {$900.00} XXXX XXXX ) XXXX XXXX XXXX Amount : {$260.00} XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX ) XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MISPELLED INCORRECT NAMES XXXX : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am officially filing this complaint with your organization in regarding with non compliance of the Fair Reporting Act with Equifax file number XXXX, XXXX  file number XXXX and XXXX  file number XXXX. They are reporting inaccurate and damaging information with the XXXX XXXX. XXXX stated on there company letterhead to me on XX/XX/year> " The account is no longer reporting to the credit reporting agencies ''. Please have all reporting agencies stop reporting this Tradeline.

Company response to consumer: Closed with non-monetary relief