vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
15 usc 1692g I request the name and address of original creditor. The amount of the alleged debt, including a complete itemization of charges interest and fees. Documentation with my signature showing I agreed to assume this debt. A copy of any judgment if applicable. Proof that your agency is licensed to collect debt in Texas. Until you provide proper validation, you must cease all collection activity including reporting to credit bureaus as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
I am writing to dispute multiple fraudulent and inaccurate entries on my credit report these accounts do not belong to me were not authorized by me and continued reporting represents a direct violation of my rights under the fair c reporting act ( FCRA ) and the consumer financial protection act ( CFPA )

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 2025-09-13 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: SC

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and damaging information appearing on my consumer credit reports. 

The following entry is false and does not belong to me : Collection XXXXXXXX XXXX  High Balance : {$390.00}, Date Opened : XX/XX/year> This account is not mine, nor have I ever had any financial relationship with the reporting entity. Its inclusion is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires all information furnished to credit reporting agencies to be accurate, verifiable, and complete. 

This error is causing severe harm to my credit profile, financial standing, and personal reputation. I have the right under 15 U.S.C. 1681i to dispute inaccurate information, and the data furnisher has the legal obligation to investigate and remove unverifiable or false information immediately. 
I demand the following actions : A full investigation into the reporting of this account.

Immediate removal of this false collection account from all consumer credit reporting agencies.

Written confirmation of the correction and assurance that no further attempts will be made to reinsert this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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:
Recently, I did an Investigation on my credit report and several items on there to be Inaccurate.

Under 15 U.S code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency Prepares a consumer report. It shall follow reasonable procedures to assure the maximum Possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an Item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the Consumer, or modify that item of information, as appropriate, based on the results of the Reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has Been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, TransUnion responded to a certified dispute letter I sent directly as the consumer. In my letter, I included a copy of my U.S. passport, my date of birth, and the last four digits of my Social Security number to verify my identity. Despite providing proper identifying documentation and clearly stating that I was submitting the request personally, TransUnion rejected my dispute. Their response claimed that my request did not appear to have been sent directly by me, and therefore they refused to take action.

This is inaccurate. My letter was sent via USPS Certified Mail, return receipt requested, which proves the dispute was submitted directly by me. By refusing to investigate, TransUnion failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ), Section 611, which requires a consumer reporting agency to conduct a reasonable reinvestigation when a consumer submits a proper dispute with sufficient identification. 

I am requesting that the CFPB ensure TransUnion accepts my valid dispute, conducts a proper investigation, and provides me with the results as required by law.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent informati
on from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and misleading items that have been reported on my credit file. These errors are causing significant harm to my creditworthiness and are in violation of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies and furnishers of information maintain only accurate and verifiable data. 

Inaccurate Personal Information : The following addresses are being incorrectly reported on my credit report. I have never resided at, nor been associated with, these addresses : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX The continued reporting of these addresses suggests possible mixed or merged files, identity confusion, or negligent reporting.

Disputed Accounts/ Reporting Issues : The following accounts are being reported inaccurately or are unverifiable. I request that each be fully investigated and either corrected or removed if proper verification can not be provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/year> These accounts are either inaccurately reported, unverifiable, or duplicative in nature. Their presence is damaging my credit and violating my rights under FCRA 602 and 607 ( b ), which require fair and accurate reporting.

Requested Action : I respectfully request that the CFPB investigate these inaccuracies and hold the furnishers and credit reporting agencies accountable. Specifically, I ask that : All inaccurate addresses be permanently deleted from my credit file. 

Each of the above accounts be fully validated with complete documentation ; if unverifiable, they must be deleted immediately. 

Written confirmation be provided to me upon completion of this investigation.

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 2025-09-13 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: MO

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Email : XXXX FTC Report Number : XXXX Statement of Facts I, XXXX XXXX, am the victim of identity theft. 

I submitted my official FTC Identity Theft Report and supporting documentation to TransUnion, Equifax, and Experian. 

Despite providing proof, the bureaus have refused to block fraudulent accounts, inquiries, and addresses, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed these items multiple times with all three credit bureaus and through the CFPB, but no corrective action has been taken. 



Fraudulent Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX, fraud began XX/XX/XXXX, discovered XX/XX/XXXX ) Fraudulent Addresses XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Applicable Law FCRA 605B ( 15 USC 1681c-2 ) : Requires CRAs to block fraudulent accounts upon receipt of an FTC Identity Theft Report.

FCRA 611 ( 15 USC 1681i ) : Requires CRAs to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( 15 USC 1681s-2 ) : Prohibits furnishing inaccurate information once notified of identity theft. 



Demand for Relief I demand immediate : Deletion of all fraudulent accounts, addresses, and inquiries listed above.

Blocking of the fraudulent information under FCRA 605B.

Written confirmation from TransUnion, Equifax, and Experian that these deletions are permanent. 



XXXX XXXX I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct. 




XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Email : XXXX FTC Report Number : XXXX Statement of Facts I, XXXX XXXX, am the victim of identity theft. 

I submitted my official FTC Identity Theft Report and supporting documentation to TransUnion, Equifax, and Experian. 

Despite providing proof, the bureaus have refused to block fraudulent accounts, inquiries, and addresses, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed these items multiple times with all three credit bureaus and through the CFPB, but no corrective action has been taken. 



Fraudulent Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX, fraud began XX/XX/XXXX, discovered XX/XX/XXXX ) Fraudulent Addresses XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Applicable Law FCRA 605B ( 15 USC 1681c-2 ) : Requires CRAs to block fraudulent accounts upon receipt of an FTC Identity Theft Report.

FCRA 611 ( 15 USC 1681i ) : Requires CRAs to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( 15 USC 1681s-2 ) : Prohibits furnishing inaccurate information once notified of identity theft. 



Demand for Relief I demand immediate : Deletion of all fraudulent accounts, addresses, and inquiries listed above.

Blocking of the fraudulent information under FCRA 605B.

Written confirmation from TransUnion, Equifax, and Experian that these deletions are permanent. 



XXXX XXXX I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct. 




XXXX XXXX Date : XX/XX/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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
in XX/XX/year>, my wife opened up a Sofi loan by herself and provided only her information financials, etc. She had a DocuSign to complete this loan. I discovered on my credit bureau that I was on the loan as well as a joint borrower. we contacted Sofi and we didnt get anywhere. We explain to them. How could I be on this Loan if she didnt mention anything about my name financials didnt complete a DocuSign, etc. They couldnt answer the question. My wife and I are XXXX  police officers, and we did frauds for a living. How could this big bank get away with this. My wife applied for this loan by herself on their portal. Please call me back at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
For nearly a year I consistently qualified for a {$300.00} Paycheck Advance through my Current checking account. My payroll deposits are steady and well above their published {$200.00} minimum ( typically {$600.00} each pay period ), and I have repaid every advance on time without issue. My credit score has also improved during this time. 

In XX/XX/year> my advance limit was suddenly reduced from {$300.00} to {$50.00} without notice or explanation. I contacted Current and specifically requested documentation explaining the reduction. Support confirmed my deposits and repayment were in good standing but told me the change was asystem-generated and that no documentation would be provided, stating this is common experience for many users This seems like an adverse action taken without disclosure. Without documentation of the reason I can not understand or correct any supposed issue that may have triggered the reduction leaving me without recourse. Current is withholding access to funds I had consistently qualified for under their own published criteria while refusing to explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tromberg, Miller, Morris & Partners, PLLC
State: TX

Complaint narrative:
Their continued attempts to collect directly from me, despite acknowledging the Receiver in their letter, appear to be a willful violation of the FDCPA This debt is currently subject to a court-appointed receivership in XXXX XXXX XXXX Texas, administered by XXXX XXXX  XXXX XXXX Because of the receivership, I do not owe the debt directly to any debt collector. 

On XX/XX/year>, I informed a prior collector, XXXX, by phone that the account was under the receivership. I followed up by email on XX/XX/year> with the same information. Despite this, I recently received a mailed letter from XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX demanding payment from me directly. Their letter even references the Receiver, yet still attempts to collect the debt outside of the court process. 

I have now sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX a cease-and-desist letter directing them to stop contacting me, to mark the account as disputed, and to send all future communications through the Receiver. I believe their attempts to collect directly from me, despite notice and despite knowledge of the receivership, are improper and violate the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB require the company to cease collection efforts, confirm that their records reflect the XXXX XXXX receivership, and ensure that no inaccurate or duplicative credit reporting occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Westlake Services, LLC
State: PA

Complaint narrative:
I have multiple hard inquires on my credit report from XXXX. I have reached out to the fraud department, and no one has helped. I also reached out to the below companies which all said to reach out to XXXX. There are multiple auto inquires on my credit report that I never gave consent or applied for an auto loan. I am a victim of fraud. The following company 's are XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX reporting to XXXX  that I applied for auto loans when I never gave the above companies consent or never had knowledge that my credit was being used. I am a victim of fraud. I had no knowledge of said companies running my credit.

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 2025-09-13 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone else had access to my account and put check without my permission

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 2025-09-13 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: NJ

Complaint narrative:
Re : XXXX XXXX XXXX Account # XXXX I am disputing the accuracy and completeness of the XXXX XXXX XXXX account reported on my Equifax credit file dated XX/XX/XXXX. 

Your report lists my last payment date as XX/XX/XXXX, yet simultaneously shows late payments starting XX/XX/XXXX. These entries can not both be accurate. If I was making payments through XX/XX/XXXX, then XXXX consecutive late-payment marks for the prior year are either incomplete or inaccurate. 

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy. Under 15 U.S.C. 1681i ( a ), you must conduct a reasonable reinvestigation of this discrepancy within 30 days and forward all relevant information to XXXX XXXX XXXX. 

Relevant case law confirms your duty : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX CRA can not merely parrot a furnishers response but must ensure accuracy. 

XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs and furnishers are liable for failing to reasonably investigate disputed information. 

XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Furnishers can be liable for failing to correct inaccurate information after being notified of a dispute.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request your Method of Verification : Who you verified the payment history with, What records or documents were used, Where the records originated, When the verification was performed, and Why you determined the reporting to be accurate. 

If you can not substantiate this information, you are required to delete or correct the disputed items. Should you fail to comply, I will pursue all legal remedies available, including filing suit for willful noncompliance under 1681n or negligent noncompliance under 1681o.

Please provide : The results of your reinvestigation, A corrected credit report, and The name, address, and phone number of each furnisher you contacted.

Company response to consumer: Closed with non-monetary relief