vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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 recently discovered multiple accounts and inquiries on my credit report that I never authorized, never opened, and have absolutely no connection to, and the shock and stress this has caused me have deeply affected my peace of mind. In XX/XX/XXXX, I found out that several credit accounts were appearing under my name even though they have nothing to do with me, making it painfully clear that I am a victim of identity theft and leaving me worried, overwhelmed, and uncertain about my financial security. The fraudulent items showing on my report include a XXXX credit card ( Account : XXXX, opened XX/XX/XXXX ) and a XXXX XXXX XXXX XXXX auto loan ( Account : XXXX, opened XX/XX/XXXX ), and having these inaccurate accounts tied to my identity has created confusion, damage to my credit, and emotional distress.

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 2025-11-24 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: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is 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
Consumer complaint received 2025-11-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL CFPB Complaint Reference : XXXX To Whom It May Concern : This is a formal complaint regarding XXXX  continuing to report a disputed, fraudulent, and unverified account despite months of prior disputes, an FTC Identity Theft Report, and a police report already submitted. Their continued furnishing of inaccurate data is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s 2 ), the Consumer Financial Protection Act, and multiple CFPB guidance requirements for furnishers. XXXX has failed to conduct a lawful investigation after multiple notices and continues to publish damaging information to my credit file with reckless disregard for accuracy. This behavior constitutes willful noncompliance under 1681n and negligent noncompliance under 1681o. I am requesting immediate CFPB intervention, as I am preparing escalation for willful damages, statutory damages, and legal relief. I demand this account be permanently removed from all bureaus and that XXXX be compelled to provide documentation of compliance regarding all prior disputes. Their failure to correct known inaccuracies after receiving police and FTC reports demonstrates bad faith furnishing and systemic violations. I request immediate action on this matter. Sincerely, 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 2025-11-24 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:
XXXX XXXX XXXX is reporting materially inaccurate and incomplete data. The delinquency timeline is impossible. Payment history shows on-time payments through XX/XX/XXXX, yet XXXX is reported as 90 days late and XXXX - XXXX as 120-180 days late. This violates FCRA 1681e ( b ) because the severity of delinquency does not match the actual payment record. 

Past-due amounts increase in irregular, non-scheduled increments ( {$200.00}, {$250.00}, {$300.00}, {$350.00}, {$400.00} ) instead of rising in {$50.00} cycles, and no itemization or basis is shown. This makes the balances unverifiable and inaccurate under FCRA 1681i ( a ) ( 1 ) ( A ). 

Two months ( XXXX XXXX ) are reported aXXXX XXXX  ( unknown ), leaving gaps in required monthly reporting. Missing months break the continuity of the delinquency timeline and render later derogatory statuses unreliable. 

The account also fails to list the mandated Date of First Delinquency required for federal loan reporting under FCRA obligations, making all delinquency aging unverifiable. 

Additionally, consecutive severe-delinquency statuses ( such as repeated 120-180 day entries ) can not legally occur without matching missed-payment cycles. Reporting back-to-back extreme delinquency months with no supporting payment history is inaccurate and violates FCRA 1681e ( b ). Because the tradeline contains missing data, contradictory payment history, mathematically impossible delinquency aging, inconsistent past-due calculations, absent DOFD, and unverifiable derogatory statuses, it must be corrected or removed unless the furnisher supplies full documentation validating each reported month pursuant to FCRA 1681i. This has been disputed before and returned as " verified '' without providing the full method of verification to validate this debt. Failure to provide these documents will result in a criminal lawsuit- this is my inten
t to sue Transunion AND the XXXXXXXX XXXX XXXXXXXX for sham investigations and will seek monetary damages to the fullest extent.

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 2025-11-24 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting materially inaccurate and incomplete data. The delinquency timeline is impossible. Payment history shows on-time payments through XX/XX/XXXX, yet XXXX is reported as 90 days late and XXXX - XXXX as 120-180 days late. This violates FCRA 1681e ( b ) because the severity of delinquency does not match the actual payment record. 

Past-due amounts increase in irregular, non-scheduled increments ( {$200.00}, {$250.00}, {$300.00}, {$350.00}, {$400.00} ) instead of rising in {$50.00} cycles, and no itemization or basis is shown. This makes the balances unverifiable and inaccurate under FCRA 1681i ( a ) ( 1 ) ( A ). 

XXXX months ( XXXX XXXX ) are reported as XXXX XXXX unknown ), leaving gaps in required monthly reporting. Missing months break the continuity of the delinquency timeline and render later derogatory statuses unreliable. 

The account also fails to list the mandated Date of First Delinquency required for federal loan reporting under FCRA obligations, making all delinquency aging unverifiable. 

Additionally, consecutive severe-delinquency statuses ( such as repeated 120-180 day entries ) can not legally occur without matching missed-payment cycles. Reporting back-to-back extreme delinquency months with no supporting payment history is inaccurate and violates FCRA 1681e ( b ). 

Because the tradeline contains missing data, contradictory payment history, mathematically impossible delinquency aging, inconsistent past-due calculations, absent DOFD, and unverifiable derogatory statuses, it must be corrected or removed unless the furnisher supplies full documentation validating each reported month pursuant to FCRA 1681i. This has been disputed before and returned as " verified '' without providing the full method of verification to validate this debt. Failure to provide these documents will result in a criminal lawsuit- this is my intent to sue TXXXX XXXX XXXX XXXX XXXX XXXX  for sham investigations and will seek monetary damages to the fullest extent.

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 2025-11-24 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting materially inaccurate and incomplete data. The delinquency timeline is impossible. Payment history shows on-time payments through XX/XX/XXXX, yet XXXX is reported as 90 days late and XXXX - XXXX as 120-180 days late. This violates FCRA 1681e ( b ) because the severity of delinquency does not match the actual payment record. 

Past-due amounts increase in irregular, non-scheduled increments ( {$200.00}, {$250.00}, {$300.00}, {$350.00}, {$400.00} ) instead of rising in {$50.00} cycles, and no itemization or basis is shown. This makes the balances unverifiable and inaccurate under FCRA 1681i ( a ) ( 1 ) ( A ). 

Two months ( XXXX XXXX ) are reported as XXXX ( unknown ), leaving gaps in required monthly reporting. Missing months break the continuity of the delinquency timeline and render later derogatory statuses unreliable. 

The account also fails to list the mandated Date of First Delinquency required for federal loan reporting under FCRA obligations, making all delinquency aging unverifiable. 

Additionally, consecutive severe-delinquency statuses ( such as repeated 120-180 day entries ) can not legally occur without matching missed-payment cycles. Reporting back-to-back extreme delinquency months with no supporting payment history is inaccurate and violates FCRA 1681e ( b ). 

Because the tradeline contains missing data, contradictory payment history, mathematically impossible delinquency aging, inconsistent past-due calculations, absent DOFD, and unverifiable derogatory statuses, it must be corrected or removed unless the furnisher supplies full documentation validating each reported month pursuant to FCRA 1681i. This has been disputed before and returned as " verified '' without providing the full method of verification to validate this debt. Failure to provide these documents will result in a criminal lawsuit- this is my intent to sue XXXX XXXX XXXX XXXX XXXX XXXX  for sham investigations and will seek monetary damages to the fullest extent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had been paying my mortgage and heloc with online autopay from my checking account. 
my wife filed for XXXX XXXX  for 2 business matters, we immediately re-affirmed all other loans. with XXXX. then shortly after our mortgage and Heloc disappeared from on line account. The autopay was stopped ( by XXXX ) and when we asked what the reasoning for makings payment so difficult, We were told to hire a lawyer or that we could refinance the loan ( s ) at a higher rate, if we wanted online access again. We have a copy of our online chat.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to Experian under FCRA Sections 609 and 611, requesting verification of XXXX disputed accounts and asking for the original source documentation used to verify each item. 

On XX/XX/year>, I sent multiple Method of Verification ( MOV ) requests under 15 U.S.C. 1681i ( a ) ( 7 ) after receiving a completed dispute response that did not address several of the accounts I disputed and included XXXX account that I never disputed. 

Experian received my MOV package on XX/XX/year>, confirmed by XXXX tracking. 

Instead of providing the required MOV information, Experian sent a generic form letter that did not describe any procedure used to verify the disputed information and did not identify any furnisher or source contacted. This response did not answer my MOV request at all. 

Additionally, after receiving my MOVs, Experian initiated new disputes that I did not authorize, as shown in my account notifications. I later contacted the Experian to cancel these unauthorized disputes. 

To date, Experian has not provided : the method of verification used, the procedure followed, or the sources contacted as required by law. 

The disputed accounts remain on my report without proper reinvestigation or verification. I am requesting the CFPBs assistance with deletion of all accounts on 609/611 disputed because the company has failed to comply with its obligations under the FCRA. 

I have a full evidentiary packet of XXXX MB containing all XXXX MOVs, all certified mail receipts, all unauthorized dispute screenshots, and all correspondence. Due to the CFPBs XXXX upload limit, I am providing representative documents. I will supply the full packet immediately upon request.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

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 ). This 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 2025-11-24 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 recently discovered multiple accounts and inquiries on my credit report that I never authorized, never opened, and have absolutely no connection to, and the shock and stress this has caused me have deeply affected my peace of mind. In XX/XX/XXXX, I found out that several credit accounts were appearing under my name even though they have nothing to do with me, making it painfully clear that I am a victim of identity theft and leaving me worried, overwhelmed, and uncertain about my financial security. The fraudulent items showing on my report include a XXXX credit card ( Account : XXXX, opened XX/XX/XXXX ) and a XXXX XXXX XXXX XXXX auto loan ( Account : XXXX, opened XX/XX/XXXX ), and having these inaccurate accounts tied to my identity has created confusion, damage to my credit, and emotional distress.

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 2025-11-24 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: TN

Complaint narrative:
I am a consumer working to correct and rebuild my credit. I am requesting a full reinvestigation of the accounts listed below. These items appear inaccurate, incomplete, or can not be properly verified across the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), any unverifiable or inaccurate information must be corrected or removed. 
Charged-Off Accounts XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: NV

Complaint narrative:
On XX/XX/year>, I logged into my XXXX XXXX account and saw XXXX on my credit report. I immediately called the XXXX  number XXXX and asked what is the company. Under 15 U.S Code 1681s-2 ( a ) ( 1 ) ( a ) furnishers of information are required to provide complete and accurate information to the consumer reporting agencies. Reporting information that is inaccurate or can not be verified is a violation of this statute.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
Hello, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within XXXX business days.

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 2025-11-24 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, while applying for a vehicle loan, I discovered a collection account on my credit report from Wakefield & Associates. The original creditor was listed as XXXX XXXX XXXX. 

I have never received medical services from this provider, and I did not authorize this debt. I immediately recognized it as fraud, especially because I was a documented victim of identity theft in XXXX. The individual responsible, XXXX XXXX, was prosecuted under Case No. XXXX and has a history of convictions for forgery, false reporting, and identity theft. 

I filed a complaint with the CFPB ( Complaint ID : XXXX ). Wakefield responded with a generic letter denying responsibility and did not provide proper validation or documentation of the debt. They also did not provide evidence that I ever received services from the original creditor or consented to the charges. 

Additionally, XXXX XXXX XXXX has several public complaints from others stating that debts were reported to the credit bureaus without warning, bills, or explanationsuggesting a pattern of questionable reporting. 

This has damaged my credit and delayed my ability to purchase a vehicle. I am requesting a full investigation and permanent removal of this account.

Company response to consumer: Closed with non-monetary relief