vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: CT

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

INQUIRIES : XXXX XX/XX/2025 XXXX XX/XX/2025

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-26 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I discovered multiple fraudulent accounts were opened in my name without my knowledge or consent. I did not authorize these accounts and do not recognize the companies listed on my credit report. The account was opened using my stolen personal information. My name, social and address were used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AL

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Experian challenging the accuracy of an account reported by XXXX XXXX XXXX ( Account # XXXX ) on my credit report. As allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I requested a reinvestigation of this account. 

On XX/XX/year>, I followed up with a formal Method of Verification request under 15 U.S.C. 1681i ( a ) ( 6 ) and ( 7 ), demanding : The name, address, and telephone number of the data furnisher contacted during Experians investigation ; and A detailed description of the procedure used to verify the accuracy and completeness of the disputed information. 

Despite allowing adequate time, Experian failed to respond with any documentation or verification details. They also did not delete the disputed account from my credit report, even though they failed to verify it as required by 15 U.S.C. 1681i ( a ) ( 5 ). 

This inaction shows noncompliance with federal law, and by continuing to report unverifiable information, Experian may be in willful or negligent violation of the FCRA, making them liable under 15 U.S.C. 1681n and 1681o.

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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
They have been contacting me. I told them I didnt open this card and asked for my signature to prove it was me and nothing has been returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 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 GA XXXX ACCOUNTS : XXXX - Account Number : 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

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 2025-06-26 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: TX

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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  TX XXXX ACCOUNTS : XXXX XXXX  # XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : 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 2025-06-26 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: GA

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

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX Address : XXXX XXXX CT XXXX GA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute a fraudulent loan account that appears on my credit report. The account in question is listed under XXXX and was reportedly opened in XXXX XX/XX/year>. 
I want to make it clear that I never applied for or authorized this loan. I believe this account is the result of identity theft or fraud. 
I have already contacted XXXX  and XXXX regarding this matter. Both credit bureaus investigated the issue and have since deleted this account from my credit reports. However, it still appears on my TransUnion report and is negatively affecting my credit. 
I kindly request that TransUnion also investigate and remove this fraudulent account from my report as soon as possible. This situation is causing me significant difficulty, and I would appreciate your prompt assistance in resolving 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 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am filing this complaint due to the completely unprofessional and unacceptable treatment I recently experienced with Chase Bank regarding my XXXX XXXX XXXX credit card account. 

A Chase representative contacted me regarding a returned payment. During this call, she asked intrusive and inappropriate questions about my employer, my annual income, the reason for the returned payment, and how I planned to pay off my debt. She even referenced my student loan and other personal debt visible on my credit report. I found this highly invasive, unnecessary, and unprofessional. 

She then stated she would update my income and employer details on my account. The call was suddenly disconnected right after that. When I looked at my phone, I noticed that my XXXX XXXX XXXX had been removed from my XXXX XXXX. Upon checking my account, I discoveredwithout any warning or consentthat the card had been closed. 

I was not advised that my account was being closed during our conversation. In fact, it was active before the call, and I was planning to pay off the full balance by the end of the month. I immediately called back and requested to speak with the same representative, but the new person refused to connect me, disclose her name, or provide any accountability. When I asked for clarity on why my account was closed and how it would affect my credit, the representative literally said, So what do you want me to do about this? and then casually suggested that I just apply for a new card. 

This treatment is unacceptable on every levellack of transparency, closing a credit account without consent, refusal to explain or rectify the situation, and blatant disregard for a customers financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts on my report.

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 2025-06-26 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: OH

Complaint narrative:
I reviewed my credit report and I found unauthorized inquiries. 

XXXXXXXX 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 explanation
Consumer complaint received 2025-06-26 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 XXXX 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 XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company : Experian Information Solutions Inc . 
Issue : Credit reporting company failed to correct information I submitted anotarized, certified dispute letterto Experian XXXX XXXX, 2025, challenging inaccurate derogatory information tied toFair Collections & amp ; Outsourcing - Account # XXXX. This was myfourth disputeregarding the same tradeline, and I provided all legally required documentation, including : Notarized dispute letter Government-issued ID Social Security card Proof of address USPS Certified Mail tracking OnXXXX XXXX, 2025, Experian responded with a generic letter stating that the account had been verified as accurate. However, they failed to conduct areasonable reinvestigationand did not address any of the violations or inaccuracies outlined in the dispute. 
Violations and Noncompliance : Experians response and continued reporting violate multiple federal laws : FCRA 611 ( a ) ( 1 ) - No reasonable reinvestigation was conducted FCRA 611 ( a ) ( 2 ) - Failure to forward documentation to the furnisher FCRA 611 ( a ) ( 7 ) - Failure to provide Method of Verification when requested FCRA 607 ( b ) - Failure to report data with maximum possible accuracy FCRA 623 ( a ) ( 2 ) - Refusal to update or correct resolved information They also failed to comply withMetro 2 guidelines, which require a paid collection to be coded as : Status Code 64 - Paid Collection Condition Code XP - Account Closed, Paid in Full Instead, the account remains derogatory, inaccurate, and misleading. 
Financial Harm : Because of Experians negligence and failure to act, I have suffered : Credit score suppression Denied access to favorable financing Delays in housing approval and refinancing Emotional distress and administrative burden Requested Resolution : I am requesting that the CFPB : 1. Permanently deletethe Fair Collections & amp ; Outsourcing tradeline ( Account # XXXX ) from my Experian credit file 2. Confirm that the account will not be reinserted 3. Investigate Experians reinvestigation process and demand accountability 4. Issue corrective action to prevent similar failures in the future Attachments ( Recommended When Submitting Online ) : Certified Mail receipt with tracking Notarized dispute letter ( dated XX/XX/year> ) Government-issued ID Social Security card XXXX redacted if uploaded ) Proof of address Experian response letter ( XX/XX/year> ) Screenshot of credit report showing inaccurate account

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This complaint is in regard to a previous case : XXXX. Equifax provided the CFPB with false information ; they claim they attempted to call me to discuss the matter on the XXXX and never heard from me, as they reported on XX/XX/XXXX. This is patently false. I spoke to an individual by the name of XXXX XXXX ; I called him on the XXXX, within XXXX XXXX of receiving his message, and we had an extended conversation. I have evidence of that call. He did not resolve the problem nor has he made any attempt to call back as he was supposed to do, to further investigate or provide information as to how the issue might be resolved. 

As Equifax made no attempt to contact me regarding this matter following my CFPB complaint, I filed a complaint with my state attorney general 's office in Pennsylvania. They also provided false information to the XXXX, XXXX XXXX XXXX. When initially filed with that office, Equifax claimed that my file was locked because they needed to verify my identity. I did so ; I provided all documentation and they confirmed that they had received the documents verifying my identity. They subsequently sent a letter to his office and to me stating that the problem had been resolved. It had not been resolved. 

I called and spoke to customer service and the representative could not resolve the problem, at which point I requested to speak with a supervisor ; I was denied. At that time, I waas told that my issue would be " escalated '' to technical support and I would have to wait an additional XXXX to XXXX XXXX for them to reach out. They never did so I again contacted my attorney general 's office and he agains requested information. At that time, XXXX XXXX reached out on the XXXX and left a message ; again, I returned his call on the XXXX and we spoke. I explained to him that I was able to access my file on XX/XX/XXXX to obtain my credit report and immediately after attempting to file a dispute, I was locked out of my account, He said he would look into the matter further based upon that information but I have yet to hear from him after he claimed he would pursue the information I provided. I still have no access to my credit file. XXXX XXXX sent out another request for cooperation from them and they have not replied so this file should not be closed as I still am unable to access my credit file and Equifax has misled both your office and my state attorney general 's office as to the status of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within XXXX  days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief