vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: TX

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 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the following items that appear on my credit report. This letter is written in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

SECTION 1 : Charged-Off Accounts I am disputing the validity and accuracy of the following charge-off accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Grounds for Dispute : Verification of Debt ( FCRA 611 & FDCPA 809 ) : I have not received proper validation or documentation showing that these accounts belong to me, nor have I been provided with a signed agreement or itemized statement.

Inaccurate or Outdated Information ( FCRA 605 ) : If these accounts are over 7 years old ( from the date of first delinquency ), they must be deleted. Please verify the Date of First Delinquency ( DOFD ). 
Procedural Compliance : Please confirm that proper investigation procedures were followed, as per FCRA 611 ( a ) ( 2 ) ( B ), and furnish all documents used to verify the validity of these accounts.

SECTION 2 : Inquiries I dispute the following unauthorized or questionable inquiries listed on my credit report. I request that these inquiries be investigated and removed if not authorized. 
Experian Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Grounds for Dispute : Lack of Authorization ( FCRA 604 ) : I did not authorize these companies to pull my credit report. Under the FCRA, only companies with a permissible purpose may obtain my credit information. 
XXXX or XXXX XXXX : If these were obtained without my permission, they XXXX be considered unauthorized access to my consumer report, which is a violation of federal 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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
The company portfolio recovery calls several times a day and has for about a year. When questioned about the issue and they would not give information to me unless I give them my SSN they refused to give me what they have on file and have me confirm. And just advise they will call back at a later date if I don't want to give my personal information. I have advised the company that I do not feel comfortable with just giving out my SSN due to all the scams going on. They just hang up and call several more times during the day even after XXXX at night because they are in a different time zone and they have been advised as well. When advised of this I was advised that they go by their time not my time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I was scammed through a XXXX payment for {$300.00} related to a XXXX XXXX transaction. I was trying to purchase XXXX XXXX concert tickets from a person named XXXX XXXX, who him and his boyfriend XXXX were communicating with me via text and calls throughout the week. 

XXXX sent me a XXXX payment request to phone number ( XXXX ) XXXX, which I accepted and paid through my Citizens Bank account. The bank confirmed the payment went through. Afterward, the person claimed they never received it but they are the one who initiated the request. I still have the full message thread and proof of our calls, as well as the XXXX confirmation. 

After some back and forth, XXXX blocked me on both text and XXXX. I never received the tickets or a refund. I filed a dispute with Citizens Bank, but they denied my claim, saying I had authorized the transaction. I do not believe this is fair, as this was clearly a scam using deceptive tactics, and the scammer is now unreachable. 

I am requesting that Citizens Bank reopen and fully investigate this case. I also want the {$300.00} returned, as I was defrauded through a platform that markets itself as safe and secure for payments. I have all the text messages, through XXXX, text, call logs, etc. Please let me know what you may need to help get this resolved. 

I have also reported this to : XXXX Citizens The FTC The FBI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CORELOGIC INC
State: FL

Complaint narrative:
Corelogic Credco XX/XX/year> XXXX XXXX XX/XX/year> Needs to be removed due to improper use and unauthorized use.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-08-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a complaint against Experian for failing to delete inaccurate and unverified accounts on my credit report, despite multiple certified dispute letters over several months. 

The accounts in question are : XXXX XXXX XXXX for {$520.00} ( debt buyer for XXXX  XXXX ) XXXX XXXX XXXX account ending in XXXX for {$470.00} I have submitted 4 rounds of disputes and requested validation and the method of verification, per 15 USC 1681i and 1681g, and have received no response or generic stall letters.

These accounts are inaccurate, unverifiable, and damaging my credit. I have certified mail receipts and dispute letters as proof.

Im requesting full deletion of both accounts. 

I am also filing with the XXXX, FTC, and will escalate to my Attorney General if this matter is not resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
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 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 XXXX FL XXXX ACCOUNTS : DEPT OF EDUCATION/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) were forced by payment processors to remove several games unfairly. This was done after a small, foreign, far-right wing group that doesn't represent the wider population made a few phone calls. Their action is harming legitimate, legal businesses, is unfairly targeting games made by XXXX and minority groups, and overall limits artistic freedom. It is not the payment processor 's role to dictate what adults can or can not buy with their money

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 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am disputing an auto loan account reported by Credit Acceptance Corp ( Acct # : XXXX ) that is inaccurately listed as open and past due on my credit report. I no longer possess the vehicle as it was permanently lost in an accident, yet the creditor continues to report late payments. I never filed an insurance claim, and I do not have the vehicle. The creditor has failed to update the status or provide proper documentation to the credit bureaus. 

I have disputed the account with all three major credit reporting agencies and provided documentation, but the inaccurate status remains. This violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and updated information.

I am requesting that this account be properly investigated and either updated to reflect its true status or removed entirely if it can not be verified.

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 2025-08-05 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: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: AL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the following items that appear on my credit report. This letter is written in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

SECTION 1 : Inquiries I dispute the following unauthorized or questionable inquiries listed on my credit report. I request that these inquiries be investigated and removed if not authorized.

TransUnion Inquiry : XXXX XXXX XXXX XX/XX/year> Grounds for Dispute : Lack of Authorization ( FCRA 604 ) : I did not authorize these companies to pull my credit report. Under the FCRA, only companies with a permissible purpose may obtain my credit information.

Fraudulent or Misused Access : If these were obtained without my permission, they may be considered unauthorized access to my consumer report, which is a violation of federal 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 2025-08-05 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
XXXX Bank XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX Bank 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