vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a hard inquiry on my report that I dispute as unauthorized. I respectfully request your office investigate this matter and ensure its prompt deletion.

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 2025-06-18 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I financed my vehicle through them and paid it really quick. I received the pay off letter but not my title. The claimed that I need to go to the Texas XXXX which I have never done before for other vehicles that I financed through other banks. I went to the Texas XXXX and the vehicle is not in the Texas system. Texas XXXX suggested I contact the bank or the dealer. The dealer tells me to contact the bank and vice-versa. When I tried to talk to the PNC bank the manager XXXX XXXX XXXX XXXX XXXX was very rude and refused to send the Title. It is almost XXXX months since the vehicle was paid off on XX/XX/XXXX and still the bank doesnt want to help. They claim they have no title

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing multiple accounts currently reported on my Equifax credit file. The accounts listed below contain information that is inaccurate, incomplete, outdated, or unverifiable and must be immediately deleted per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), 1681s-2 ( b ), and 1681e ( b ).

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 2025-06-18 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:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. Please remove these accounts from my file.

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 2025-06-18 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This CFPB compliant has been filed to request pursuant to 15 USC 1681 i7 method of verification. If this item is verified show me the procedure you took to verify it. Show me the business name, the business address and any information connected to the investigation that took place and if that isn't provided to me in writing within 15 days the account must be removed. XXXX XXXX XXXX22 {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: AL

Complaint narrative:
This collection agency is reporting this debt to the credit bureaus in an attempt to collect a debt that has NOT been proven to be valid. Additionally, this damages my credit, despite never validating the debt or providing original account details. This is a violation of both the FDCPA and FCRA 623 ( a ) ( 3 ), which prohibits furnishing inaccurate or unverifiable data. I am requesting this collection be 1. Removed from all credit reports 2. Ceased from all collection attempts until verified with consumer ( Me ) 3. Investigated for violation of federal consumer laws If you continue to report, I would like to make you aware that you will be violating FDCPA Section 809 ( b ) I would also like to make you aware that I never received a debt validation notice which is MANDATORY.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint against XXXX  concerning the inaccurate and unlawful reporting of an account appearing on my credit report as : Account name KIKOFF LENDING , LLC Account number XXXX  Issues with the Reporting : 1. Incomplete Account Number XXXX is reporting this account with only a partial account number, failing to provide a full and verifiable account identifier. This makes it impossible to validate the legitimacy of the debt or to properly investigate the accuracy of the reporting.

2. Improper Monthly Updates on a Charged-Off Account The account is listed as a charge-off, yet it continues to update monthly. This is a manipulation of the credit reporting system designed to extend the derogatory impact of the account by resetting the date of last activity and damaging my credit profile unfairly.

3. Missing Required Disclosures for Late Payments Several late payments are listed on the account. However, I never received any of the required disclosures or notices regarding these delinquencies before they were reported to the credit bureaus. This violates multiple provisions of federal law, including : 15 U.S. Code 1666b Requires timely notice and reasonable time to make payments before late fees or negative reporting 12 CFR 1026.11 Governs treatment of credit balances and account termination 15 U.S. Code 1681i Requires reinvestigation and substantiation of disputed information Legal Violations : XXXX  is in violation of its obligations under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by : Failing to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ) Failing to provide a proper method of verification upon request ( 15 U.S. Code 1681i ) Allowing unfair and deceptive reporting of an incomplete and legally defective account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Tried to contact company through chat and customer service, tried to close on app, stating I have outstanding balance and I have never once used that account and I want it closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent account ( s ) on my report. Please remove this account ( s ) as it is affecting my ability to obtain 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 2025-06-18 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:
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. 
I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 
and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-06-18 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:
I am writing to dispute an unauthorized hard inquiry that appears on my TransUnion credit report. The inquiry details are as follows : XXXX.Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX 2.Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Phone Number : XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX 3.Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Phone Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This letter serves as a formal dispute and demand for deletion. 
I did not authorize this inquiry, nor did I initiate any application for credit with this entity. Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681b consumer reporting agencies are only permitted to furnish a consumer report for a permissible purpose. This inquiry was made without my knowledge or consent and appears to violate this section of the law.

Further, under 15 U.S.C. 1681n, any entity that willfully obtains a consumer report without a permissible purpose may be held liable for statutory damages, actual damages, and attorneys fees.

Demand for Action : I am formally demanding that TransUnion immediately remove this unauthorized hard inquiry from my credit report. If you contend that the inquiry was lawful, I request that you provide full documentation of my authorization, including a signed credit application or consent form. 

Please confirm in writing once this dispute has been investigated and the inquiry has been deleted or appropriately addressed. 


Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: CA

Complaint narrative:
I filed a Police Report on XX/XX/year>. Police incident number is XXXX. The company is National recovery agency XXXX in XXXX XXXX XXXX XXXX, PaXXXX XXXX. The company said, I owe a debt of {$500.00}. They reported the item to all three credit Bureaus, XXXX XXXX XXXX XXXX on XX/XX/year>. This is hurting my ability to obtain 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 2025-06-18 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of a mortgage account on my credit report. Upon reviewing my credit file, I noticed an entry from XXXX XXXX, which I believe is inaccurate and should not be associated with my credit profile. 

I am requesting that this entry be investigated and removed based on the following reason ( s ) : I have no knowledge or record of entering into any mortgage agreement with XXXX XXXX. 
This account may be the result of fraudulent activity, identity theft, or a clerical reporting error. 
I have never received billing statements, correspondence, or communications from this company regarding this alleged mortgage account. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe is inaccurate, incomplete, or unverifiable. Please conduct a thorough investigation into this matter and provide evidence of the validity of this account. If the creditor can not verify the debt, the account must be removed from my credit report. 

Please complete your investigation within 30 days and send me the results in writing. If the item is found to be inaccurate or unverifiable, I request that you promptly delete it from my credit file. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint against Equifax concerning the inaccurate and unlawful reporting of an account appearing on my credit report as : Account Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Issues with the Reporting : 1. Incomplete Account Number Equifax is reporting this account with only a partial account number, failing to provide a full and verifiable account identifier. This makes it impossible to validate the legitimacy of the debt or to properly investigate the accuracy of the reporting.

2. Improper Monthly Updates on a Charged-Off Account The account is listed as a charge-off, yet it continues to update monthly. This is a manipulation of the credit reporting system designed to extend the derogatory impact of the account by resetting the date of last activity and damaging my credit profile unfairly.

3. Missing Required Disclosures for Late Payments Several late payments are listed on the account. However, I never received any of the required disclosures or notices regarding these delinquencies before they were reported to the credit bureaus. This violates multiple provisions of federal law, including : 15 U.S. Code 1666b Requires timely notice and reasonable time to make payments before late fees or negative reporting 12 CFR 1026.11 Governs treatment of credit balances and account termination 15 U.S. Code 1681i Requires reinvestigation and substantiation of disputed information Legal Violations : Equifax is in violation of its obligations under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by : Failing to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ) Failing to provide a proper method of verification upon request ( 15 U.S. Code 1681i ) Allowing unfair and deceptive reporting of an incomplete and legally defective account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I am filing this complaint against both XXXX XXXX XXXX ( reporting a {$1800.00} XXXX collection account ) and National Recovery Agency ( reporting a {$500.00} collection account ). 

I formally disputed both accounts via certified mail on XX/XX/XXXX, under my rights provided by Section 609 of the Fair Credit Reporting Act ( FCRA ). I requested verification of the debts, including original signed contracts and itemized statements. It has been more than 30 days, and I have not received a single document or verification in response. 

Both companies have continued to report these accounts to the credit bureaus despite their failure to verify. This is a violation of FCRA 611, which requires deletion of any account that can not be verified, and 609, which gives me the right to request full documentation. Additionally, my credit report has had an extended fraud alert on file since 2022, meaning they were also required to contact me directly and verify all information before reporting anything newas outlined in 605A and 605B. 

The XXXX XXXX XXXX account is especially suspicious. It shows a date opened in XXXX with a date of first delinquency from XXXX, which does not make logical or legal sense. This appears to be a re-aged debt, a known credit reporting abuse. 
As a result of these violations, I have experienced : Denial of new credit applications Increased interest rates on approved credit lines A drop in my XXXX XXXX Emotional distress and anxiety from having to constantly dispute unverifiable and damaging information Requested Relief : I am requesting the immediate deletion of both the XXXX XXXX XXXX and XXXX XXXX XXXX accounts from all credit bureaus ( TransUnion, Experian, and Equifax ) due to failure to provide verification within the timeframe outlined in the FCRA.

Company response to consumer: Closed with non-monetary relief