vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized and inaccurate hard inquiries appearing on my credit reports from TransUnion and Experian. The inquiries from XXXX XXXX ( XX/XX/2025 ), XXXX XXXX ( XX/XX/2025 ), XXXX XXXX XXXX ( XX/XX/2025 ), and XXXX XXXX XXXX ( XX/XX/2025 ) were not initiated or authorized by me, yet they are negatively affecting my credit profile. These entries violate FCRA XXXX ( a ), which requires a permissible purpose for all hard pulls, and FCRA 611, which gives me the right to dispute inaccurate or unauthorized inquiries. Additionally, these inquiries exceed the reporting limits and include outdated information under FCRA 605 ( a ) and 605. Despite my attempts to dispute these directly with the bureaus, the inquiries remain on my credit report, causing financial harm, stress, and potential barriers to obtaining credit. I request a formal review of the reporting practices of these entities and the bureaus compliance with 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- Balance : {$230000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX # XXXX -- Balance : {$450.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Novo Platform Inc.
State: CO

Complaint narrative:
I opened my account with Novo on XX/XX/year> to receive {$300.00} when I fulfilled the following terms " XXXX debit card transactions and holding a minimum deposit of {$5000.00} within XX/XX/XXXX days and then hold for XX/XX/XXXX days after ''. I fulfilled these terms, but the bank is only providing a {$40.00} " referral offer '' that they are now saying is all I am going to get. The terms did not state anything about not combining offers and the information provided was not on their original offer. They are trying to make up rules to not pay the bonus. I have only asked for the {$260.00} remaining, not a combining. The company has refused multiple times and I told them I would be filling this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding an account being reported on my credit reports under XXXX XXXX XXXX, account number XXXX for {$420.00}. 

This is not my account. I have never had any relationship, agreement, or debt with XXXX XXXX XXXX. I also never received any notice, bill, or validation letter from this company at any time. 

When I attempted to contact the business reporting this account, I discovered that they are now operating under a completely different name : XXXXXXXX XXXX XXXX. Despite this, they continue reporting on my credit file under the outdated and misleading name XXXX XXXX XXXX. 

This situation raises several issues : The account is inaccurate and does not belong to me. 

I never received the required 30-day validation notice before the account appeared on my credit report. 

The furnisher is reporting under an incorrect or outdated business name, which is misleading and prevents me from contacting or identifying them. 

The company has not provided any verification or documentation showing the debt is mine. 

These actions appear to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : FCRA 602 and 607 failure to ensure maximum possible accuracy.

FCRA 611 failure to properly validate disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) reporting inaccurate information.

FDCPA 809 failure to send required debt validation notice before reporting.

FDCPA 807 misleading or deceptive representation by using a different business name. 

I am requesting the CFPB to investigate and ensure the furnisher and credit bureaus delete this account from my credit file due to inaccuracy, lack of validation, and improper reporting procedures.

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 2025-11-29 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: FL

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS 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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices prohibited by the FDCPA. They furnished this account without any agreement from me, and I did not sign any contract with them. A legal contract requires signatures from both parties, and I did not participate in any agreement whatsoever. They also failed to follow the proper XXXX-step validation procedure.

According to the FDCPA, Im entitled to compensation for these violations. My rights were clearly violated and XXXX. I am demanding that this account be removed immediately.

This situation has taken a real toll on me. I have been trying to rebuild my life, manage my responsibilities, and stay financially afloat, but this account has made everything feel heavier than it should. Its embarrassing and painful to be judged for a debt I never agreed to especially when Im doing everything I can just to keep moving forward.

Every time I see this account appear, it brings XXXX, XXXX, and a reminder of how difficult things have been trying to provide, trying to keep my credit together, trying to feel hopeful about my future. Ive spent nights stressed, wondering how I can fix something that shouldnt be there to begin with. Im simply asking for fairness, so I can finally breathe, focus on healing financially and emotionally, and work toward a more stable and peaceful life without being held down by inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NC

Complaint narrative:
This is a continuation of my prior CFPB complaint. # XXXX against XXXX because issues remain unresolved. XXXX incorrectly told the CFPB that they had never received my response I submitted my full dispute and supporting documents that were received XX/XX/XXXX. Confirmed by representative XXXX on XX/XX/XXXX, XX/XX/XXXX representative XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX XXXX. All these representatives stated confirmation of documents and stated it had been escalated to supervisor but refused to give escalation reference or supervisor name. They also state the had been calling to my old number which they had new one in system and gave it to every single representative I spoke to XX/XX/XXXX finally received call from supervisor XXXX ID # XXXX. Stated they decided it and could not reopen case. 
The underlying dispute involves charges from law firm that never performed any services. Their response to CFPB was innacurate, incomplete, and contradicts what they admitted by phone. 
I am requesting XXXX ) complete and fair investigation XXXX ) Correction of their innacurated statements. 
XXXX ) a refund for the disputed charges. 
XXXX ) confirmation that they have correct contact information. I am filing this new complaint because XXXX failed to follow proper procedures and closed my dispute without a legitimate investigation. XXXX provided misleading information,, and closed my dispute without legitimate investigation. Please cross reference this with prior complaint # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a call from Portfolio Recovery Services and another call from XXXX XXXX regarding old bills that have now been sent to a law office. I made payment plan and began to pay. I believe they are scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have a couple unauthorized transactions through venmo. I submitted a dispute and they instantly denied it. Never asked any questions or looked into it. I re-opened it and sent in any documents or evidence and they imedately denied it again. Never contacted the company that these charges were sent to. Never sent me any emails or updates. Refused a supervisor on their online chat when I asked for one. Taking XXXX responsibility and helping none while im missing money from their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I entered into a written pay-for-delete agreement with XXXX XXXX XXXXXXXX XXXX XXXX  XXXX for a collection account, stating that upon full payment, the account would be permanently deleted from all credit reports. I paid the full balance of {$590.00} via XXXX on XX/XX/year>. Despite this, the account remains on Equifax, XXXX XXXX XXXX reports as of XX/XX/year>. 
XXXX responded to my prior CFPB complaint on [ insert response date if known ], confirming the payment and stating they would request deletion from the CRAs within approximately 30 days of posting. However, this delay is unjustified and continues to cause imminent harm, including impacts on pending credit applications and financial opportunities. 
This ongoing reporting violates multiple laws, warranting immediate enforcement for deletion within 24 hours : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : CRAs must follow reasonable procedures for maximum accuracy ; maintaining a paid account post-agreement is inaccurate and misleading.

FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Requires CRAs to conduct a reasonable reinvestigation and delete inaccurate information within 30 days, but willful non-compliance and ongoing harm justify expedited deletion. 
FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Mandates deletion if information can not be verified ; XXXX 's confirmation verifies the agreement, yet no action taken.

FCRA 623 ( a ) ( 1 ) ( A ) & ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ) : Prohibits furnishers from reporting inaccurate or incomplete data ; failure to update post-payment breaches this. 
FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishers must correct/delete after dispute notice ; delay constitutes violation.

FDCPA 807 ( 2 ) ( A ) & ( 10 ) ( 15 U.S.C. 1692e ( 2 ) ( A ) & ( 10 ) ) : False representation of debt status and deceptive practices in not honoring agreement promptly.

CFPA 1031 & 1036 ( 12 U.S.C. 5531, 5536 ) : Unfair, deceptive, or abusive acts causing foreseeable harm ; requires immediate remedy.

Due to potential willful violations ( FCRA 1681n ), which allow for statutory damages, punitive awards, and fees, I demand XXXX immediately direct deletion within 24 hours, with CRAs confirming removal and CFPB enforcing compliance to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: LoanCare, LLC
State: GA

Complaint narrative:
LoanCare has refused to validate the alleged mortgage debt or provide trust accounting, bond ledger, chain of title, or the original wet-ink promissory note. They respond only with automated emails that do not address any demands or affidavits served on them. 

LoanCare is attempting to enforce a debt without validation, violating : RESPA ( 12 USC 2605 ) FDCPA ( 15 USC 1692g ) TILA disclosure duties UCC 3-501, 1-202, 1-308 requirements for proof of claim LoanCare refuses to provide : Original promissory note Full accounting ledger Proof the note was not securitized Proof they are the lawful creditor Lien authority and documentation LoanCare has defaulted by silence and is now in administrative estoppel. I demand the CFPB open an investigation and compel LoanCare to produce all required documentation or update the account to PAID IN FULL and release the lien.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied for housing and was denied because TransUnion Rental Screening Solutions ( TURSS ) reported rental housing-related collections on my file. These accounts and balances were not created by me, were not authorized by me, and are the result of identity theft. I never had a rental debt with any company connected to TURSS or TransUnion.

When I received the denial notice, it stated that TURSS obtained information from TransUnion Consumer Solutions. I reviewed my credit file and confirmed that these rental collections do not belong to me and were added without my knowledge or consent. This is a clear case of identity theft and inaccurate reporting. 
I am submitting this complaint under FCRA 605B to have these fraudulent rental collections blocked, removed, and fully suppressed. I have provided an identity theft report and affidavit. The items are false, harmful, and continue to cause denial of housing opportunities.

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 2025-11-29 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-29 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: MN

Complaint narrative:
I am experiencing significant issues with inaccurate and unverified credit reporting across multiple credit bureaus. The primary issues involve duplicate derogatory entries, unverifiable debts, and outdated charge-offs, which have not been corrected despite previous disputes. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2.

The erroneous credit data has severely impacted my ability to secure loans at favorable rates, potentially affecting employment and housing opportunities. The failure of the credit bureaus and furnishers to rectify these errors despite being notified has exacerbated my financial and personal distress. 

XXXX XXXX  Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX Equifax ] Issue : Duplicate entries and outdated charge-off status.

Violation ( s ) : FCRA 1681e ( b ), 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX ) Formal Dispute of Inaccurate Credit Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to dispute the following inaccurate and/or unverifiable information on my credit report. This letter is being submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


Please investigate the items listed below, as I believe they are incomplete, inaccurate, or can not be verified. 

Under the FCRA, you are required to report only 100 % accurate, verifiable, and complete information. 
The above account ( s ) contain one or more of the following violations : Unverified information ( FCRA 611 ) Incomplete or inaccurate reporting ( FCRA 607 ( b ) ) Balance, dates, or status inconsistent with original creditor reporting Failure to validate ownership or furnish proper documentation Mixed or incorrect personal information connected to the accounts Because of these violations, these accounts must be deleted from my credit file unless you can provide me using original documentation from the data furnisher, not a database printout.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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