vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-03 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: FL

Complaint narrative:
I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 



CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 



CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$260.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2900.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} LATE PAYMENT LATE PAYMENT

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Caine & Weiner Company Collection Account This is not my account. I have no knowledge of this account. 15 USC 1681b I want it Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, I took out a {$1700.00} loan from Speedy Cash. The contract required biweekly payments of about {$490.00} for XXXX months, totaling {$5900.00} with a XXXX  % APR. From XXXX through XX/XX/year>, I made XXXX payments totaling about $ XXXXmore than double the loan amount. Despite this, I was told I still owe about the same as my original loan. When I called Speedy Cash in late XXXX after losing my job, the representative XXXX said I still owed the balance and offered no explanation. The XXXX XXXX  XXXX XXXX XXXX XXXX reviewed my complaint but said the high costs are due to fees outside its authority. I believe this structure is deceptive and predatory. Im requesting that the CFPB review this loan for potential violations and require the company to correct my balance and refund excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXX XXXX TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : 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 non-monetary relief
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am requesting a formal reinvestigation of certain accounts and inquiries on my credit report, as I believe the information provided may not be accurate. Below, Ive listed the details of the disputed accounts and inquiries, separated by each credit bureau. Please review these items and update mCharged Off Accounts in Dispute : XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$0.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

XXXX XXXX XXXX XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$2100.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$9900.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$500.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

Inquiries to Dispute : XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report if it can not be verified. credit file accordingly.

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Every time I try to talk to them they don't want anything but me to provide information instead of them providing information and having all the flow agreement the original signature the original document contract they are ready charged my insurance over {$2000.00} and they're saying I owe this money I never went back to the follow-up appointment because I was very upset with them and I never want to go back to them again and on XXXX XXXX it is showing that the original creditor is Midland and Midland bought my information off of the original creditor so that information that's on my stuff is not correct and all they want to do is identify me and what information I have to say which they're taking advantage of the situation they won't even talk to me unless I give them personal information which I think is not great

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I called and they told me to call XXXX XXXX for any information on my account. Once I called XXXX XXXX asking them to verify when the account was opened and first date of delinquency, they told me that it was opened in XXXX, delinquent in XXXX. Neither of which are showing on my credit report and it is currently being re-aged. When asked to send this in writing, they told me that they were unable to and that they would have to do a verification of debt. On my credit report, it shows opened XXXX, which means they are illegaly reaging my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
THIS HARD INQUIRY WAS NOT PLACED WITH MY KNOWLEDGE OR APPROVAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Knight Adjustment Bureau
State: FL

Complaint narrative:
On their website they have a request information tab that I sent three separate requests over the past year asking for this information. Unfortunately, I did not get a reference number or confirmation on these requests. 

This debt was started after voluntarily having our XXXX XXXX  repossessed. The debt was then sold to a third-party debt collector for which I have been paying on for a little over a year. I was never given the option to possibly decrease the debt so as to close the account nor told that I would have to increase my payment. I have on multiple occasions asked for written documents showing all info regarding this debt to include balance, rate, amount paid, etc. On every occasion I was told that their system does not print or send out any form of written documentation showing what my so-called debt consists of, no monthly statements, no receipt of payments etc. Just recently while making a payment the associate who takes my payment asked if it was possible to make a larger payment. I informed her that I was unable to do so this month and that if we could I would make a larger payment next month. I was able to the following month, and it was fine. The following month after, we were not able to make a larger payment, and I was yelled at stating that " I have to make bigger payments ''. I respectfully said that I did not appreciate her tone and that if I could make larger payments we would. She just kept on insisting that this need to be done. At that point I asked to deal with another associate, and she said that wouldn't happen because she was the one that was assigned our account. I said all I was trying to do was make a payment and she just kept going on how I NEEDED to increase my payments or else. At this point I disconnected the call as I was feeling extremely harassed and disrespected and had my husband call and make the payment. He informed me that she insisted him as well to make a larger payment, and she was informed that this would not happen and that the payment we made would be for the {$500.00} that we owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LEXISNEXIS
State: IA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I called XXXX XXXX to allow them to know that I have a bill from XXXX XXXX  it's not having no account information it's not someone no amount or anything on the bill and it's in my name however I have never opened up an account in my name from XXXX XXXX sent back in XXXX to XXXX area I have not had a couple of them on bankruptcy so I would not use XXXX XXXXXXXX anymore I don't have a XXXX XXXXXXXX card and I don't know why it's being on my credit report I've done called the company and told them I do not have a card and I need you close the account now however they said since there is no money being used and the card is not being used it'll be okay and they left it open I told them I don't like the fact that I have an account out there at a credit card company without me having a credit card I don't care if it's your card or regular credit card however they need you close that account and I proved it was myself and I proved everything they needed me to do however they still have the account open because it's on my credit score and I would like to get the XXXX XXXX  credit set up removed cuz I do not have a XXXX XXXX card and like I said I've already called the company and told him to close it because I do not have no card or no account of XXXX XXXX. And since I do not know what to do anymore to get this off my account and I've already contacted them and they pretty much told me why you going to do nothing I feel like they need to get checked out and find out what in the world is going on cuz I can't do this no more I don't want my credit messed up because somebody else did this to me I'm on XXXX I already have enough problems trying to have a credit card I can't even get a credit card because I'm on XXXX. I just don't like being taken advantage of and I believe this company is taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2025-11-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the following inaccuracies in my credit report. The accounts listed below are inaccurately reported, and I request that these be corrected as per the Fair Credit Reporting Act ( FCRA ). 

CHARGE OFF : XXXX XXXX XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$3800.00} Discrepancy : Please verify the charge-off date and balance. 

XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$10000.00} Discrepancy : Please verify the charge-off date and balance. 

XXXX  XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$0.00} Discrepancy : Please verify the accuracy of the charge-off status and balance. 

Insurance Self-Reported Account # XXXX Charged off : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account appears self-reported. Please verify the accuracy of this entry or remove it. 

XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$0.00} Discrepancy : Please verify and correct this account entry. 

INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Discrepancy : Please verify the accuracy of these inquiries and ensure they were properly authorized.

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 2025-11-03 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Chime Financial Inc
State: CA

Complaint narrative:
While I was on vacation in New York this guy came up to us on a bike and offered a ride we agreed upon {$60.00} for a 3.5 mile ride he asked for my card to be on file during the ride, when the ride ended he just took off next thing I know he had charged me {$170.00}, locals seen I was mad and informed me those bike people usually scam people and I should just report it to my bank I did so and chime denied my claim after there " investigation ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I respectfully request that each of the following items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 



Charged Off Accounts XXXX XXXX  : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} 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 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief