vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: AL

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX  {$950.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX CARD - XX/XX/XXXX - {$6000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$250.00} XXXX XXXX  - XX/XX/XXXX - {$330.00} XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$120.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$45.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXX XXXX XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1600.00} XXXX XXXX XXXXXX/XX/XXXX - {$810.00} Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-19 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: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of XXXX year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-19 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: LA

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

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-11-19 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-19 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: CA

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Credit Report As of XX/XX/year> To Whom It May Concern, I am formally disputing the accuracy and continued reporting of the following account on my Experian credit report : Furnisher : Diversified Adjustment Original Creditor : XXXX  Account Number : XXXX Balance Reported : {$1100.00} Date Opened : XX/XX/year> Status : Collection {$1100.00} past due This account is completely inaccurate and is the result of identity theft. It was opened fraudulently using my personal information without my knowledge or authorization. 
Specific Reasons for Dispute : 1. This is not my account. I did not open a XXXX account on or around XX/XX/year>, and I never authorized anyone else to do so. 
2. I already have an active, legitimate XXXX  XXXX  account that I opened myself years ago and that I pay directly every month. There is absolutely no reason for me to open ( or for anyone to open in my name ) a second, separate XXXX account. The existence of this duplicate account is clear evidence of fraud. 
3. This account was fraudulently established by an unknown third party who misused my personal identifying information. I have already reported this identity theft to the Federal Trade Commission at XXXX [ add FTC reference number if you have it ]. 
4. I previously disputed this exact same account with Experian and with the furnisher ( XXXX XXXX / XXXX ) within the last 60 days. Despite my prior disputes and my clear explanation that this is fraud, the account continues to be reported without any disputed notation, in violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 3 ) and 1681i. 
5. Neither Experian nor XXXX XXXX appears to have conducted a reasonable investigation, because the account remains on my report unchanged. 
Relief Requested : Immediate permanent deletion of this fraudulent tradeline ( account # XXXX ) from my Experian, XXXX, and XXXX  credit reports. 
Cessation of all collection activity on this fraudulent debt by XXXX XXXX and XXXX. 
Blocking of this information from future reporting under FCRA 605B ( identity theft ).

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I made a PNC virtual account on XX/XX/year> the account was working fine for the first five days. Nothing was wrong. I was using it. I was transferring small amounts {$20.00} a year {$30.00} there. Nothing big yet I didnt even set up my direct deposit back the account is under my name under my address. Everything thats provided. Its correct last night. I transferred some money to the account around {$55.00} after that I tried to access my account and then said it was suspended upon further review reach out to the branch. I called this morning. I was on the phone for three hours. I was then told to go up to the bank to get my account unlocked. I went to the bank. The representative at the bank couldnt provide me any detail details. They were confused themselves as my account showed no signs of fraudulent activity. They didnt know why my account was locked nor did they get an answer from security. I was told the person who put my account on hold was out until Monday and thats absolutely unacceptable. I was not provided a reason why my account its under review at all I do not know whats going on with my account at this moment. All I know is nothing illegal there and if theres something that needs to be fixed, I can provide that, but I havent gotten those questions or answers as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
Category : Debt collection Company : S & S Recovery XXXX  Account # : XXXX Reference # : XXXX Complaint Text : I am filing this complaint regarding S & S Recovery XXXX. I previously paid {$300.00} toward a XXXX account ( Account # XXXX, Reference # XXXX ). I am a federal employee who was impacted by the recent government shutdown, and my back pay is still being processed through the XXXX XXXX XXXX XXXX XXXX ), causing temporary financial hardship. 

I submitted a written dispute requesting that this account be deleted from all three credit bureaus, as permitted under the Fair Credit Reporting Act ( FCRA ), given the circumstances and my payment history. S & S Recovery has not properly responded to my dispute and continues to report the account, which is harming my credit and preventing me from stabilizing my finances after the shutdown. 

I am requesting : Full deletion of this account from XXXX XXXX and XXXX Written response to my dispute Verification of the remaining alleged balance Cessation of collection activity during investigation Their lack of response violates my rights under FCRA 602A and FDCPA 809 ( b ). I am requesting CFPB assistance in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALCAR INC.
State: TX

Complaint narrative:
I have identified numerous inaccuracies and inconsistencies associated with the account listed as DRBanks/UPST. The information being reported is not only misleading but appears to be in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Federal Trade Commission ( FTC ) regulations. 

Upon further investigation, I have found that the following data points are being reported inconsistently across the major credit bureaus : High Balance : Reported differently by each bureau, creating confusion about the actual amount.

Open Date : Varies across reports, raising concerns about the legitimacy of the accounts origination.

Balance Owed : Inconsistent figures make it impossible to determine the true outstanding amount.

Closed Date : Conflicting information about whether the account is open or closed.

Account Rating and Status : One bureau lists the account as open, another as derogatory, and yet another as closed.

Creditor Type : Reported inconsistently, which misrepresents the nature of the account.

Payment Status and Amount : Discrepancies in both the status and the reported payment amounts.

Date of Last Payment : One bureau reports XXXX, another XXXX inconsistency is unacceptable. 

Past Due Amount : Reported inaccurately and inconsistently across bureaus.

These discrepancies are not only misleading but also damaging to my creditworthiness and ability to secure business opportunities. The conflicting information undermines the integrity of my credit profile and violates my rights as a consumer under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These entries contain inaccuracies, and I request they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts DPT EDXXXX, XXXX, XX/XX/XXXX, {$790.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$790.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$8200.00} DPT ED/XXXXXXXX, XXXX, XX/XX/XXXX, {$6000.00} DPT ED/XXXX, XXXX, XX/XX/XXXX, {$10000.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$1400.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$5500.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$4800.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3800.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$5700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$1200.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3800.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$2700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$2500.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$4900.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1200.00} Inquiries XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments XXXX XXXX XXXX XXXX XXXXXXXX

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