vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I believe one of my cousins used my info to open these accounts, this stuff in not mine. I would like it removed from my report right away. There is also a batch of unauthorized inquiries on my profile, please remove these as well.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY - {$2900.00} DISPUTE WAS RESOLVED BUT SUBSCRIBER DISAGREE. 

I REQUESTED STATEMENT AND INFORMATION FROM THE SUBSCRIBER HOWEVER, NO RESPONSE. 

THE DISPUTED WAS MADE ON XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 ( XXXX U.S. CXXXX  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 non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 ( XXXX U.S. CXXXX  XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-16 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
Equifax didnt do an proper investigation on my consumer report equifax please reinvestigate this account as yall are reporting this inaccurate information on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 am filing this complaint due to inaccurate, unverifiable, or unfair negative items being reported on my credit by both debt collectors and original creditors. These items are negatively impacting my credit profile, and I believe they may violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Debt Collection Accounts : a. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$230.00} I do not recall receiving proper validation of this debt. No documentation was sent within 5 days of initial contact. I never received verification of the amount or original creditor. 

XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX Amount : {$430.00} This collection was placed on my credit report without notice or validation. I have serious doubts about the legitimacy of this debt and its balance. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$2100.00} This debt is more than XXXX XXXX XXXX and XXXX be close to the XXXX reporting limit. I have not been contacted by this agency and was never given an opportunity to validate the debt. 

All XXXX agencies have failed to : Provide written validation upon request Confirm the accuracy of balances Respond to prior disputes Offer resolution or removal despite attempted communication XXXX. Accounts with Missed Payments : a. XXXX ( XXXX XXXX XXXX  ) Status : Closed XXXX Missed Payments reported These late payments are being reported without sufficient documentation or context. I have disputed them before with no result. I believe some of the dates XXXX be incorrect or excessive. 

b. XXXX  XXXX Status : Closed XXXX Missed Payments The reporting on this closed account is negatively affecting my credit. I have not received any validation of these missed payments and have requested goodwill adjustments which were ignored. 

XXXX XXXX ( XXXX XXXX XXXX  ) Status : Closed XXXX Missed Payment I believe this was a credit builder account. The single missed payment XXXX have been reported in error or as a system failure. Ive attempted to dispute it but received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am disputing a fraudulent or unauthorized loan that was reported to my credit reports by Mosaic Loan Services. I never signed a final agreement for solar panels, I canceled the installation long ago, and I never received any panels or services. Despite canceling, the company failed to cancel the associated loan, which has now been reported to all three major credit bureaus and is negatively affecting my credit score.

I have repeatedly contacted the company, the lender, and the credit bureaus to dispute this account, but it remains on my reports. The credit bureaus claim it is a valid debt, but I do not owe it because I never received the product or loan proceeds. 

I am requesting that the CFPB investigate and compel the company and lender to remove this fraudulent loan from my credit reports immediately, close the account, and correct any negative impact to my credit history. I am also seeking written confirmation that this account has been canceled and that no further collection efforts will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-16 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have disputed this collection account and others as a result of Identity theft last year in XXXX  around XXXX XXXX XXXX XXXXXX/XX/year>. I received a letter as a result of this dispute from LVNV Funding LLC stating the debt was verified because payments had been made on this account and email that I have been associated with. The agency has incorrectly validated the debt by citing alleged prior payments and the use of an old email address once associated with me. This validation is not legally sufficient to hold me responsible for a fraudulent account. XXXX. I am attaching a police report to this complaint which clearly document that I am a victim of identity theft. 2. The use of a known email address does not prove consent or authorization for the charges in question. 3. Any payments allegedly made may have been done by the perpetrator to avoid early detection of the fraud. I did not authorize or initiate these payments. 4. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act you are required to cease collection efforts and remove any reporting to credit reporting to credit bureaus if the debt can not accurately verified as mine. 
You are on notice that collection reporting of this fraudulent account constitutes a violation of federal law. 15 U.S.C., 1681s-2 ( a ) and 15 U.S.C. 1692e ( 8 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX To Whom It May Concern, I am writing to request a copy of my consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). I recently received a denial from Capital One regarding a checking account application, and I was informed that the decision was based on information provided by XXXX XXXX XXXX. 

Please send me a copy of my report and a detailed explanation of any negative information associated with my file. 

Here is my personal information for identification purposes : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Number : XXXX Email : XXXX Social Security Number ( last XXXX digits ) : XXXX Please let me know if you need any additional documentation to process this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am unaware of these accounts and believe them to be unauthorized. Kindly conduct a detailed review and remove them from my credit report. Relevant documents are 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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/25 I deposited a check for {$15000.00} and on XX/XX/25 I deposited a check for {$15000.00}. On XX/XX/25 FNBO put a lock on my account preventing me from accessing any of my funds. I assumed that they were waiting until they had collected the funds for me to access my money according to Federal Law : Regulation CC ( Expedited Funds Availability Act ) Under 12CFRPart229 RegulationCC : 229.10.12 require banks to make funds from most deposits available within 12 business days, with limited circumstances allowing a temporary delay ( e.g., new accounts, large deposits ), but these must be justified and clearly disclosed However, on the morning of XX/XX/25 I went to my local branch and informed The manager XXXX XXXX that they were in violation of the above law as well as Illinois State Law : Illinois Banking Act Under 205ILCS5/48.1 : A bank shall have no obligation to hold, encumber, or surrender assets until served with a subpoena, warrant, court or administrative order, lien, or levy.. 
Since FNBO has not been served any court order or legal reason to freeze myaccount, a total freeze appears illegal under Illinois law. 
FNBO must have legal basisor else must allow access to my lawful funds. Their continuation of the freeze without legal process is potentially unlawful. 

and I would like my funds released as I have to buy gas to get to work and food to eat and my rent is due soon. She said she would have to look into the matter and stepped away from her office. After waiting for about an hour, the police arrived and said that XXXX XXXX had said I was threatening them. I told them I had not. They asked if I said there would be consequences and I told them that, as they appear to be breaking two laws, I expect there should be consequences. 

At that point the officers said that the manager requested I leave, which I did. I have requested a copy of the complaint via the FOIA and will be attaching it, if I can add documents later, when I receive it.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
I am disputing incorrect late payment history reported on my closed mortgage account with DOVENMUEHLE # XXXXXXXX XXXX XXXX XXXX XXXX XXXXpened XX/XX/year>, current balance {$0.00}. 

Both XXXX XXXX XXXX are reporting late payments that are completely inaccurate and unverifiable. I have never been late on this account. This account is closed and paid, yet they continue to report it with derogatory marks. 

I submitted disputes directly with the credit bureaus, but the inaccurate information has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-07-16 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 non-monetary relief