vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting on my closed XXXX XXXX account. 

This account was last delinquent in XX/XX/XXXX and has been closed since that time. I recently paid the remaining charged-off balance, and on XX/XX/XXXX, XXXX  XXXX updated the status to " Account Paid for Less than Full Balance '' and " Paid Charge Off. '' While I understand that charge-offs are considered derogatory, my concern is that this status update is now being reported by myFICO and possibly Equifax as a new late payment dated XX/XX/XXXX. This is inaccurate and misleading. There have been no missed or late payments on this account since XXXX, and the account has not been open since then. 

This misrepresentation is unfairly damaging my credit score and profile, despite my efforts to resolve the account. I am requesting that the bureaus and/or XXXX XXXX correct the reporting to reflect the accurate date of last delinquency ( XXXX ) and ensure that the XXXX status update is not treated as a new negative event. 

I have contacted both XXXX XXXX and Equifax regarding this issue. I am now escalating to the CFPB for help ensuring my credit history is reported fairly and accurately. 

This is in regards to my XXXX XXXXXXXX XXXX XXXX XXXX account ending XXXX. 

XXXX : XXXX delinquency was XX/XX/XXXX. Account was closed XX/XX/XXXX Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
After reviewing my credit reports with all three bureaus, I see that there are two accounts listed that were opened fraudulently. My personal information has been exposed in multiple data breaches which one of them were the XXXX XXXX Data Breach. The accounts that should be removed are listed below and should be addressed immediately. I have also provided all three credit bureaus and the reporting companies with supporting documentation and the matter has yet been resolved. Please remove the listed accounts immediately : XXXX Account # XXXX {$2700.00} XXXX XXXX Account # XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
After reviewing my credit reports with all three bureaus, I see that there are two accounts listed that were opened fraudulently. My personal information has been exposed in multiple data breaches which one of them were the XXXX XXXX Data Breach. The accounts that should be removed are listed below and should be addressed immediately. I have also provided all three credit bureaus and the reporting companies with supporting documentation and the matter has yet been resolved. Please remove the listed accounts immediately : XXXX Account # XXXX {$2700.00} XXXX XXXX Account # XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
am disputing a debt reported by Portfolio Recovery Associates ( PRA ) on my XXXX  credit report ( account ending in XXXX ). I do not recognize this debt and have requested proper validation, including a signed agreement and full payment history, but PRA has failed to provide any proof. They only referenced the last four digits of my Social Security number, which is insufficient to validate the debt. I filed a prior complaint, but the issue remains unresolved. The debt is still being reported inaccurately and is harming my credit. I request CFPBs assistance in having this account removed until PRA provides proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AZ

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the Equifax data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the Equifax data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, they should be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that I am the victim of identity theft, and to request the immediate blocking of fraudulent information appearing in my credit report maintained by XXXX, as required under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ]. 
The following accounts were fraudulently opened and do not belong to me : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dispute Date Opened XX/XX/XXXX Date Closed XX/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 2025-08-04 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: TN

Complaint narrative:
> I am disputing false and damaging information XXXX XXXX has reported to Experian, XXXX XXXX, and possibly other credit bureaus. This issue began after XXXX XXXX refinanced the student loan in question. Since the refinance, they have been reporting me as delinquent, despite my payments being current and no default occurring.

> > I have been trying to resolve this directly with XXXX XXXX for over a year. I have spent many hours on calls and correspondence, but the inaccurate reporting remains. This has significantly harmed my credit score, affecting my ability to secure credit and resulting in financial and reputational damage.

> > This is XXXX XXXX XXXX XXXX is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers of credit information to ensure accuracy and promptly correct any errors.

> > I have documentation to prove my account is current and that the delinquency reporting is incorrect. I am requesting CFPB intervention to require XXXX XXXX to immediately correct this misinformation and notify all credit bureaus to remove the false negative entries. 

-- - * * What I want to happen : * * > 1. Immediate correction of all inaccurate delinquency reporting to all credit bureaus.

> 2. Written confirmation from XXXX XXXX that the negative items have been removed and replaced with accurate information.

> 3. An explanation of the cause of this error and steps taken to prevent it from happening again. 

-- -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are Several inaccuracies on my report i've asked for original documents and method of verification with my signature on it, and nothing has been provided to me to ensure these accounts are 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
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Driveway Finance Corporation
State: MO

Complaint narrative:
I purchased a vehicle XX/XX/scrub>, 2024 since then Ive had to replace the battery and the brakes. The car was promised to be registered within 32 business days. It was never registered. The vehicle now has coolant leaking into the hydraulic cylinder and needs a new engine. Ive only had the vehicle for eight months and 12,000 miles. I am being told the warranty has expired. I am also being told that I need to buy a new engine out of pocket and maintain paying my monthly car note. I was also offered to do a voluntary reposition And would therefore be without a vehicle I was told my warranty has expired and there is nothing the company can do to help me replace the engine to this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services for {$430.00}, originally from XXXX, appearing on my XXXX, XXXX, and XXXX  credit reports. This account is reporting inaccurate, incomplete, and unverifiable information. 
Violations include : 1 Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy. Reporting unverifiable or outdated collections violates this obligation.

2 Under FCRA 1681i ( a ) ( 1 ) ( A ), a reasonable investigation must be conducted upon dispute, and must include competent evidencenot data-matching or automated responses.

3 Under FCRA 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be permanently deleted from all credit reports.

4 Under FCRA 609 ( a ) ( 1 ), I have the right to obtain full documentation supporting the account, including a signed application or contract, billing statements, and payment history.

5 Under FCRA 611, the bureaus and furnishers must reinvestigate disputed information and respond with legally sufficient evidence within 30 days.

6 Under FCRA 1681s-2 ( b ), the furnisher ( in this case, the collection agency ) must conduct a proper investigation and delete or update incorrect information after being notified of the dispute.

7 Under the Uniform Commercial Code UCC 1-308, I reserve all rights and do not waive my right to pursue civil claims if this account remains without proper legal substantiation.

Credit Collection Services has failed to provide validation of this debt, including a signed contract and itemized statements proving liability. No wet-ink signature or account-level documentation has been provided.

Additionally, the reporting may be affected by identity errors, including outdated addresses or incorrect name variations. If this account was attached through erroneous data linking, it must be deleted under FCRA 1681e ( b ).

I am requesting the CFPB to investigate and require Credit Collection Services and the credit bureaus to provide legally valid evidence. If they can not provide full documentation within the required timeframe, I am requesting permanent deletion of this collection account ( Acct # : XXXX XXXXXXXX ) from all three credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation