vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inadequate Investigation and Request for Written Confirmation To Whom It May Concern, I am writing to formally dispute the results of Experians recent investigation into the accuracy of certain items on my credit report. It is deeply concerning that despite presenting clear and substantiated evidence, Experian has failed to properly address the inaccuracies, instead continuing to report information that has already been removed by all other major credit bureaus following valid consumer disputes. 

Your continued reporting of this inaccurate information is not only unjustified but also appears to be in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a dispute is filed. The FCRA requires that all items included on a consumer report be complete and accurate, and that any unverifiable information be promptly deleted. Experians failure to correct or remove this information, despite my repeated attempts to resolve the matter, reflects a pattern of inadequate investigations. 

I would also like to bring to your attention the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian, citing failures to adequately respond to consumer disputes, including the reinsertion or continuation of erroneous data that should have been permanently removed. This situation directly mirrors my own experience and further underscores the systemic nature of Experian 's non-compliance. 

In light of these facts, I demand the following : 1. Immediate removal of the disputed, inaccurate information from my Experian credit file.

2. Written confirmation detailing the specific steps taken in response to this dispute and the outcome of any reinvestigation.

3. Assurance that this information will not be reinserted unless it meets all legal requirements under FCRA, including proper notification. 

Please consider this letter a formal reinvestigation request pursuant to Section 611 of the FCRA. If Experian continues to report unverifiable or previously deleted information without appropriate documentation and justification, I reserve the right to escalate this matter by filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. 

I expect a complete and satisfactory response within the timeframe required under federal law. Please send all correspondence regarding this dispute to the address listed above. 

Sincerely,

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 2025-05-31 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates ( XXXX ) is reporting the same {$680.00} debt multiple times on my credit report under slightly different account numbers and names. These entries all stem from an alleged debt with XXXX XXXX XXXX.. 

Specifically, the same debt is appearing under the names : " PORTFOLIO RC '' " PORTFOLIO '' " PORTFOLIO RECOV ASSOC '' All entries have the same balance of {$680.00}, same opening date ( XX/XX/XXXX ), and reflect the same original creditor. However, they differ in reporting details like " last activity '' dates and account numbers, which makes them appear as separate accounts and inflates my total debt burden. 

This constitutes duplicate reporting, which is : Misleading to creditors Negatively affects my credit score In violation of FCRA 623 ( Duty to Report Accurate Information ) Inconsistent with XXXX XXXX guidelines for credit reporting Additionally : One account shows the status as both " Open '' and " Charged-Off '' this is contradictory. 

Another shows 100 % on-time payment history despite being a collection account. 

The accounts show conflicting " last activity '' dates ( XXXX, XXXX, XXXX ), which may indicate illegal re-aging under FCRA 605 ( c ). 

I sent formal dispute letters to the credit reporting agencies requesting removal of these inaccurate and duplicate tradelines. The credit bureaus failed to resolve the issue and did not correct or delete the accounts as required by FCRA 611. 

I am requesting that the CFPB investigate this matter and compel : The deletion of the duplicate and inaccurate entries from my credit file A full audit of Portfolio Recovery Associates reporting practices A written response outlining corrective action taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-31 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 2025-05-31 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: Early Warning Services, LLC
State: MO

Complaint narrative:
I have been trying to dispute and suppress the reporting of my personal and account information wit

h Early Warning Services for several months. I did not authorize the collection or sharing of my data, and they have no permissible purpose to maintain or report it. Despite my repeated disputes, Early Warning continues to report this information, which violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 602 My right to privacy and fairness in reporting FCRA 604 ( a ) No permissible purpose for using or sharing my data FCRA 611 ( a ) Failure to remove disputed and unverifiable information FCRA 607 ( b ) No reasonable procedures in place to ensure
lawful and accurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MS

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 2025-05-31 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: MS

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 non-monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I previously disputed the reporting of my personal information and accounts and information, requesting full suppression and deletion under FCRA 602 and 604 ( a ). I did not authorize this reporting and there is no permissible purpose for them to maintain or share my data.

Despite my requests, they continue to report this information, violating : FCRA 602 Right to privacy FCRA 604 ( a ) No permissible purpose FCRA 611 ( a ) Failure to remove unverifiable disputed info FCRA 607 ( b ) No reasonable procedures to ensure accuracy or consent

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 2025-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
Loan Info : Loan Amount : {$3500.00} APR : 159.56 % Lender Listed : XXXX XXXX XXXX XXXX : OppLoans ( Opportunity Financial , LLC ) Loan Date : XX/XX/XXXX Resident : Illinois I am filing this complaint because I was issued a loan by XXXX XXXXXXXX XXXX, facilitated by OppLoans, with an annual percentage rate ( APR ) of 159.56 %. This loan clearly violates the Illinois Predatory Loan Prevention Act ( PLPA ), which limits APRs on consumer loans to 36 %, including loans issued through bank partnerships. 

Despite the PLPA being in effect since XXXX, OppLoans is still issuing loans well over the legal APR cap by using a rent-a-bank model with an out-of-state bank. Illinois regulators and courts have already ruled this practice unlawful. 

I am requesting that this loan be declared void and unenforceable under Illinois law, that all further payments be halted, and that any interest or charges above the legal rate be refunded or canceled. 

Thank you for reviewing this matter and protecting Illinois consumers from illegal and predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
Equifax has been shedding points from my score with no explanation. I logged into my customer portal to see my credit score go from XXXX to XXXX. There literally no changes, no new inquiries or anything. Transunion also did the same with no explanation. These companies also dont abide by laws and remove information that resulted from Identity theft. I am now preparing for a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am the victim of a recurring identity mix-up that has led to inaccurate and harmful credit reporting. A collection account from XXXX has been added to my credit report by Jefferson Capital Systems for over {$2900.00}. I have never had a XXXX account, have no knowledge of this debt, and have reason to believe it belongs to someone else with the same name but a different date of birth who resides in Florida. 

I have already filed a police report documenting identity compromise and have previously disputed similar false accounts with the credit bureaus. I am now requesting that Jefferson Capital immediately investigate, provide full validation of the debt, and remove this account if it can not be verified as mine. 

This account is severely damaging my credit score, and I am under financial stress as a result. I request full removal of this account from my credit file and that Jefferson Capital cease all collection activity on a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
In XX/XX/XXXX, i noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX-credit card- opened on XX/XX/XXXX account number : XXXX XXXX XXXX-credit card- opened on XX/XX/XXXX account number : XXXX XXXX  XXXX- unsecured loan- opened on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX XXXX XXXX inquiried on XXXX  XXXX XXXX XXXXXXXX  inquiried on XXXX XXXX XXXXXXXX XXXX XXXX inquiried on XXXX XXXXXXXX XXXX XXXX inquiried on XXXX XXXX XXXX  XXXX, XXXX inquiried on XXXX XXXX XXXX XXXX XXXXXXXX inquiried on XXXX XXXXXXXX XXXX XXXX inquiried on XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX on XXXX XXXX EQUIFAX MORTGAGE SERVI inquiried on XXXX XXXX EQUIFAX XXXX inquiried on XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
In XX/XX/XXXX, i noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX-credit card- opened on XX/XX/XXXX account number : XXXX XXXX XXXX-credit card- opened on XX/XX/XXXX account number : XXXXXXXX XXXX XXXX- unsecured loan- opened on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX XXXX XXXX inquiried on may XXXX XXXX XXXX inquiried XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiried on XXXX XXXXXXXX XXXX XXXX inquiried on XXXX XXXX XXXXXXXX XXXX XXXXXXXX inquiried on XXXX XXXXXXXX XXXX XXXX XXXXXXXX inquiried on XXXX XXXXXXXX XXXX XXXX  XXXX on XXXX XXXX XXXX  XXXX XXXX inquiried on XXXX XXXX XXXX XXXX XXXX inquiried on XXXX XXXX XXXX  XXXX inquiried on 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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My checking account with Wells Fargo was closed. I attempted to prevent this from happening and contacted Wells Fargo several times. I have paid all negative remaining balance for this account. I still have an active Wells Fargo credit card that I made a {$12000.00} payment a few months ago. My online access has been restricted. I need online access to view my credit card purchases, pay my account, review finances.Every time I call in to Wells Fargo I get disrespected and treated like I am no longer a customer. One supervisor I spoke to ( XXXX ) employee ID XXXX XXXXXXXX was one of the worse representatives I have ever spoken to from any company. The representative was not helpful and even insulted my intelligence. I truly hope that phone call was recorded on XX/XX/XXXX. The supervisor would not let me speak and spoke over me and asked if I was a man? I do not wish to call in to Wells Fargo any longer and would like to make my payments online. I also have not received any physical statements or transaction history by mail since my checking account was closed.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have several things thats either paid off or in good standing that hasn't been updated to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Issue : Collection account not removed after payment Company : Fair Collections & Outsourcing ( FCO ) Client : XXXX XXXX What happened : A collection account from XXXX XXXX, handled by Fair Collections & Outsourcing, was placed on my credit report without any prior communication from the company. I was never contacted by phone or mail before this debt appeared on my credit file. 

When I became aware of it, I contacted the company directly. They told me if I paid the full balance, they would remove the collection from my credit report. Based on that promise, I paid the full amount in good faith. 

However, despite making the full payment, the collection account remains on my credit report, and the company refuses to respond to further communications. They are now ignoring calls and not honoring their original agreement. 

This feels deceptive and unfair. I was misled into paying with the expectation of resolution, and they failed to follow through.

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 2025-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I opened a high-yield savings account with XXXX XXXX XXXX a division of Texas Capital Bank , wanting access to their competitive rates. On XX/XX/XXXX, I deposited {$14000.00} from XXXXXXXX XXXX into this one and set up direct deposit with my work into XXXX XXXX  ; after making the transfer, my account froze, with the message " This user is XXXX. Contact your financial institution to re-enable this user. '' When I called customer support, they said they would let the " fraud team '' know about my issue ( why didn't they know already? ). I heard nothing and called them again ; they explained that it is impossible to transfer me to anyone else who could help me. That was it. I'm stuck only being able to talk with these helpless, sorry customer support people, who can't transfer me to anyone or even tell me why my account is frozen or when it will be unfrozen. It is now XX/XX/XXXX, and I can't make any transactions because they are still holding my money hostage.

Company response to consumer: Closed with explanation