vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
This complaint is not submitted in error. My credit report reflects multiple unauthorized inquiries that I did not approve, and they are directly harming both my credit and credit score. I previously contacted your agency and was assured by a representative that these inquiries would be removed, yet they remain. This failure to act is unacceptable, raises serious concerns of identity theft, and continues to cause me financial and emotional harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TN

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute certain items on my credit report that I believe are the result of the Equifax data breach that occurred on [ XXXX of XXXX ]. As a victim of this breach, I am concerned that inaccurate or fraudulent information may have been added to my credit report without my consent. 
I am requesting that these items be investigated and removed or corrected if they are found to be fraudulent. In addition, I kindly ask that you provide me with an updated copy of my credit report once this dispute has been resolved. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that this investigation be conducted within the required 30-day period, and that you inform me of the outcome in writing. 
Please find enclosed a copy of my [ government-issued ID, proof of address, or any other documentation you are submitting ] for your reference. Should you require any additional information, please do not hesitate to contact me. 
Thank you for your attention to this matter. I look forward to a timely resolution of this issue. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX [ XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 general, 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 supposed 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. 

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 
XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is to dispute fraudulent accounts that have been reported under my name. I did not authorize or create these accounts, and their reporting constitutes a violation of my rights and a breach of the integrity of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX, VA XXXX To whom It May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and you ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together Please attached copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor or promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that the noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: TX

Complaint narrative:
XX/XX/XXXX Used card to make a purchase was fine XX/XX/XXXX called Customer service after XXXX i disconnected XX/XX/XXXX called in the XXXX & after another XXXX hrs i reached a representative we went thru validation confirmed that the card was unfrozen & i could remove the rest of my money Tried again denied tried to buy a water denied Been calling for XXXX and automation says to call back I get no response and the only other way to reach out is snail mail no email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ TRANSUNION ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX  XXXX breach. 

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Installment Account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a Collection account opened at XXXX on XX/XX/XXXX under the account number XXXX ; a Collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a Collection account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX ; and a Collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
Purchased my home in XX/XX/XXXX. Mortgage was with XXXX XXXXXXXX Bank. 

XXXX XXXX bank then became XXXXXXXX Bank sometime after. 

In XXXX husband lost his job during COVID. XXXX Bank reached out to offer a COVID forbearance which outlined that payments could be missed or late during forbearance and added at the end of my loan. Had no issues with being reported late to credit bureaus, etc. during that time. 

XX/XX/XXXX- sold my home XXXX Bank at some point was sold to WesBanco. 

XX/XX/XXXX- XXXX Bank showing on my credit report as 30 days past due to all credit bureaus for XX/XX/XXXX. I opened a dispute with all 3 credit reporting agencies and XX/XX/XXXX was removed on some but other " late '' payments ( which were not previously reported as late ) suddenly showed up, during the time of my COVID forbearance.

Contacted all 3 credit bureaus to dispute incorrect information.

Contacted WesBanco branch near where my house was, they were unable to find any account information. Suggested I stop in a branch local to me. Local branch was unable to find my account or any information. Suggested I call WesBanco corporate. 

Called WesBanco corporate, they were unable to find any of my account or payment information. 

XX/XX/XXXX - began calling credit reporting agencies and they suggested I contact CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was reviewing my fico score and saw numerous inquiries on my credit report that I dont recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I was reviewing my fico score and saw numerous inquiries on my credit report that I dont recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I state that the late payment notations appearing on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
These inquiries seem to be unauthorized, and I was not made aware of them. I request that they be removed as soon as possible. Evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal demand for the removal of fraudulent accounts that have been incorrectly reported under my credit history. I have no connection to these accounts, nor did I authorize them in any capacity. Their appearance is an error that compromises the accuracy and lawfulness of my credit 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 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
We were financed for a loan thru M & T Bank for a camper from XXXX XXXX. We have been paying on this loan since XXXX of XXXX. The interest rate on this loan is 9.49 %. It is now XXXX of XXXX so we have been paying on it ON TIME for over 5 years. So we decided to reach out to them so we could refinance and get a lower interest rate so more would go towards the principal. M & T Banks response to our request was as follows, My review shows you are located outside of our direct lending area. While dealers in your area may utilize M & T for financing, we are unable to directly offer credit in your state. Therefore, an option to refinance with M & T is not available. 

So wait. We are locked in for life. With no option to refinance ... That is NOT RIGHT. and this was not disclosed at any point during receiving the financing to begin with. We live in the same house, in the same town right now, as we did when we financed this camper. So they gave us the loan, but will not refinance us because of where we live. Seems like a SCAM and BAIT situation. in XXXX of XXXX we financed {$19000.00}. After over 5 years of over {$200.00} payments a month, we currently sit at {$15000.00} as of today. The camper is worth around {$8000.00} or less. we are trapped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX and the continued reporting of old missed payments on my credit report. 

I am currently enrolled in a Debt Management Plan ( DMP ) with American Consumer Credit Counseling ( ACCC ), which is a nationally accredited nonprofit organization. Under this program, I have been making consistent, on-time payments to XXXX XXXX for my account. Despite this, XXXX XXXX continues to report several very old missed payments that occurred prior to enrollment in the program. 

These old delinquencies are severely hurting my credit standing, despite the fact that my account is now being paid regularly under a voluntary repayment plan. I have requested that XXXX  XXXX consider goodwill adjustments to remove these outdated negative marks, given that : I have demonstrated a good-faith effort to repay my debt through ACCC. 

Payments have been made consistently and on time since enrollment in the program. 
The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requires furnishers like XXXX XXXX to ensure that information they report is accurate and fair. Continuing to report extremely old missed payments without considering my current repayment history is not reflective of my true creditworthiness today. 

I am not disputing that the late payments occurred, but I believe that continued reporting of these old delinquencies while I am in good standing with an accredited repayment program is unfairly punitive and not aligned with the intent of the FCRA. 

I respectfully request that the CFPB require XXXX XXXX to remove or suppress the reporting of these old missed payments from my credit file with all XXXX bureaus, given my consistent repayment through the DMP and my demonstrated commitment to resolving this debt responsibly.

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