vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Disputed incorrect statements, balances and overpayment. They report negative activity almost immediately. I pay all my credit cards at the same date. Not sure why I have big fees, over limit and late.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
There is information on my consumer report that is a result in identity theft. I did not provide written permission or instructions for identification transactions to be reported on my consumer report am requesting that the reporting of this information be blocked and deleted, My request to block is not being made in error : or is my request to block being made on the basis of a material or misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer.

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 2025-09-03 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: EQUIFAX, INC.
State: NC

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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

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. 
Account name : XXXX XXXX Account # XXXX has violated my rights. This account is fraud and does not belong to me Ive already filed a police report and want the account removed from my credit reports as it is false 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. 

15 U.S.C. 1681B ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

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. 
Account name : XXXX XXXX Account # XXXX has violated my rights. This account is fraud and does not belong to me Ive already filed a police report and want the account removed from my credit reports as it is false 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. 

15 U.S.C. 1681B ( 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.

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 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cease & Desist Complaint  Portfolio Recovery Associates XXXX XXXX Accounts)\nAccounts in Dispute:\nPortfolio Recovery Associates  Acct eXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPortfolio Recovery Associates  Acct ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nTo Whom It May Concern,\nI am submitting this complaint against Portfolio Recovery Associates (PRA) for willful violations of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). PRA continues to report inaccurate, misleading, and unverifiable information on my consumer credit reports with XXXX XXXX XXXX XXXX.\nViolations Identified\nContradictory Status Reporting (FCRA  607(b)): PRA has reported account ending 6019 as both Closed due to inactivity and Unpaid balance reported as a loss/charge-off. These remarks are contradictory, materially misleading, and fail to meet the accuracy requirements of the FCRA.\n\n\nFalse Representation by a Debt Collector (FDCPA  807, 15 U.S.C.  1692e): PRA, as a third-party debt collector, is reporting original-creditor charge-off language (loss by credit grantor). This constitutes a false and deceptive representation of the character and legal status of the debt.\n\n\nIllegal Re-Aging (FCRA  623(a)(5)): PRA has furnished recent updated dates (August 2025) inconsistent with the original Date of First Delinquency (DOFD). This artificially extends the reporting period and is prohibited by federal law.\n\n\nFailure to Validate (FDCPA  809(b)): I formally requested validation of these alleged debts. To date, PRA has failed to provide any contract, itemization, or proof of assignment from Synchrony Bank. Continuing to report and collect without proper validation is unlawful.\n\n\nDemand for Relief\nI am requesting the CFPB to intervene and compel Portfolio Recovery Associates to:\nCease all collection activity and communications regarding these accounts.\n\n\nDelete both accounts in their entirety from all consumer reporting agencies (XXXX XXXX XXXXProvide written confirmation that these accounts have been permanently removed.\n\n\nRequested Enforcement\nGiven PRAs repeated noncompliance with the FDCPA and FCRA, I also request that the CFPB:\nInvestigate PRAs reporting and collection practices,\n\n\nEnforce corrective actions, and\n\XXXX  penalties as appropriate for ongoing violations.\n\n\nThis letter serves as both a formal complaint and a cease and desist demand regarding the above-referenced accounts. Please confirm receipt and advise me of the action taken within the regulatory timeframe.\nSincerelXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I am disputing a collection account being reported by Southwest Credit Systems in the amount of {$900.00}, which appears on XXXX XXXX XXXX XXXX credit reports.

I formally disputed this account and requested validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). To date, the company has failed to provide competent evidence that I owe this debt, a full itemization of the balance, or proof they have the legal right to collect and report.

Despite this, Southwest Credit Systems continues to furnish and verify the account with the credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681e ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XXXX of XXXX, I received a letter from Wells Fargo that I was enrolled in a Preferred Product in XXXX of XXXX without my consent or authority. I received reimbursements totaling {$3900.00} from Wells Fargo as compensation for being enrolled and charged for an unauthorized Preferred account. An initial reimbursement of {$270.00} was received on XX/XX/XXXX and {$3700.00} was received on XX/XX/XXXX. XXXX as a result of a Mediation Session. The Mediation Session felt scripted at times and it felt like the mediator was on Well Fargo 's side and was serving their best interests more than mine. It felt like negotiations were in Wells Fargo 's favor majority of the time. I believe the mediator acted as a middleman to lower the cost of this transaction between what felt like a buyer-and-seller situation. 

However, I had requested the Wells Fargo Mediation Program Office to schedule another mediation session because I didn't feel that the settlement and reimbursement I received was fair. My personal information was used by Wells Fargo without my authority or consent to sign me up for a product back in XXXX. The reimbursement isn't enough to compensate for issues caused to me mentally, to my family, and financially. 

I researched and compared my situation to others that were posted online, and it seems that a majority of people received very similar reimbursement amounts through similar courses of action. This feels immoral and like Wells Fargo consumers were taken advantage of.

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 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
They sent me info saying I could be approved or even pre approval yet they didn't approve me for petty reasons saying too many inquiries or couldn't verify income yet they had my bank info and they could clearly see my deposits from the income source. Another reason for denial was number of established accounts what does any of that have to do with giving me the loan? It was never about the loan or credit score. The highest loan i tried to get was for XXXX. They just didn't want to approve me. I don't know if it was racially or what but it didn't make sense to deny me for these petty reasons and not the actual reasons they needed to deny me for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
Stated on the written agreement if the debt was paid in full by XX/XX/year>, the collection will be removed from all XXXX credit bureaus. The amount of debt to be paid was {$480.00} and debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-09-03 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:
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-03 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Telephone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Complaint Against Experian, Equifax, and TransUnion Failure to Correct Inaccurate Information and Ongoing FCRA Violations I am filing this complaint against Experian, Equifax, and TransUnion for their continued noncompliance with the Fair Credit Reporting Act ( FCRA ). Since XX/XX/XXXX, I have submitted multiple disputes, including a formal dispute on XX/XX/XXXX, demanding the correction or removal of inaccurate and unverifiable information. Despite sufficient notice and documentation, the bureaus have failed to take corrective action or provide lawful verification. 

Inaccurate Personal Information Reported : Former/Alias Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ; XXXX Lake XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX Ct, XXXX FL XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX, XXXX GA XXXX Employers XXXX NC XXXX XXXX, North Carolina XXXX Inaccurate and Unverified Accounts : Late Payment ( Closed/Paid 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  Failures by the Credit Bureaus : Failure to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) Failure to provide the method of verification as required by 15 U.S.C. 1681i ( a ) ( 7 ) Failure to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b )

Company response to consumer: Closed with non-monetary relief