vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts and inquiries listed on my Experian credit report. These items appear to be incorrect, and I request that they be investigated and corrected under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : 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 Account XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Late Payments : XXXX Account Number : 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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texan Credit Corporation
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-17 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: GA

Complaint narrative:
upon me reviewing my credit reports i noticed that fradulent accont

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 2025-11-17 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: FL

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 2025-11-17 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: FL

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 non-monetary relief
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ohio XXXX Social Security Number : XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following account must be removed immediately : XXXX XXXX XXXXXXXX XXXX Opened Date : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NC

Complaint narrative:
A collection was placed on my credit report but information and supporting documents were never shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Scratch Financial, Inc.
State: TX

Complaint narrative:
My dog was sick and in distress. I applied for a loan through what I THOUGHT was scratch pay, recommended by myXX/XX/XXXX What I did NOT know was the first link I found was a SCAM. They stole my information and sold it all to different companies. I didn't receive any information saying that they sold it to XXXX XXXX. Now XXXX is trying to charge me over {$6000.00} for a {$1200.00} loan when this was NOT disclosed to me. Do NOT trustXX/XX/XXXX 

It is NOT the actual Scratch Pay, and I was conned into this loan that I CAN NOT afford, due to myself being overwhelmed and worried about my sick pet.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Global Lending Services LLC
State: CA

Complaint narrative:
Credit inquiries by multiple companies where I was not informed my credit was going to be ran as what I had filled out was supposed to be a pre approval where they promote that a credit check will not be done. 

The following dates where reported on my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - global lending service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Re : Illegal Reporting and Re-Aging Practices by Midland Credit Management To Whom It May Concern : This complaint concerns Midland Credit Management ( MCM ) and several collection accounts they are reporting inaccurately on my credit file. 
XXXX. Midland is reporting collections as new open accounts My XXXX report shows multiple Midland accounts opened in XX/XX/year>, though I never opened any account with Midland.

A collection agency can not list a collection account as if it was newly originated credit.

This violates FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). 
XXXX. Monthly payments and missed-payment history reported on collections Midland is reporting scheduled payments and past-due amounts, creating the appearance of an active loan. 
A collection account should not have monthly payment activity unless a payment plan exists. 
This is misleading and constitutes illegal re-aging. 
XXXX. Manipulated Date of First Delinquency On my report, Midland lists DOFD dates from XXXX, despite the original accounts being delinquent long before that. 
This resets the XXXX reporting periodan illegal act prohibited under FCRA XXXX XXXX a ) ( XXXX ). 
XXXX. No debt validation provided Despite my requests, Midland has not produced : Proof of assignment A full chain of ownership Original creditor documentation Proof I opened any account related to the debt Midland continues to furnish data without validation, violating FDCPA 809 ( b ). 
Requested Action I request CFPB intervention to : Investigate Midland Require immediate deletion of manipulated information Hold Midland accountable for FCRA and FDCPA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing this complaint because my Transunion credit report contains multiple hard inquiries that I did not authorize, and these inquiries appear to be connected to identity theft. These entries were made without my consent, which means there was no permissible purpose under 15 U.S.C. 1681b, and Transunion has failed to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). The disputed inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want all these unauthorized inquiries be removed because it gives me stressed in my daily life and I am asking for the CFPBs assistance, guidance, and intervention to ensure that Transunion properly investigates these unauthorized inquiries, deletes them from my credit file, and corrects any harm caused by these unauthorized inquiries. I am also asking the CFPB to oversee this matter and ensure Transunion complies with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I requested a small loan of {$1500.00} on XXXX with one main financial. I was not advised that this would include a hard inquiry or I would not have requested the loan. When I addressed this with the agent that assisted me XXXX he told me that he was not aware of this either but he would address it with his XXXX. He told me to reach out to the credit bureau to have this removed. I am requesting that this report be removed from my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

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 2025-11-17 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: OH

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They said a purchase was made on my account on XX/XX/XXXX for {$47.00} and another purchase was made on XX/XX/XXXX for {$140.00}. there was only XXXX purchase made for {$47.00} a capital XXXX customer rep. Took a extra I believe {$200.00} off my card and lied and said someone else took the amount but my account shows that capital one but taking money off my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IN

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
This account ( FNBO OMAHA ) was charged off and sent to litigation. The lawsuit was dismissed by the court, and a rebuttal was previously submitted. Despite this, the account remains negatively reported on my credit file. This furnisher continues to report a charged-off status, which is misleading and inaccurate following court dismissal and unresolved rebuttal. I request full deletion or immediate correction to reflect the accurate legal disposition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX XXXXXXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I was quoted a new heloc rate of prime minus these discounts off of prime rate : ( XXXX ) a discount of XXXX XXXX for Valleys Home Equity Line of Credit mortgage being a XXXX  lien on the mortgaged property ; ( XXXX ) a discount of XXXX XXXX for the combined loan to value of all liens on the mortgaged property being less than XXXX XXXX  ; and ( XXXX ) a discount of XXXX XXXX for monthly payments on the Home Equity Line of Credit being made with an automatic debit from a Valley checking account. Also, as per my agreement the loan should have a discount of prime minus XXXX XXXX As of today, prime rate is XXXX XXXX, with all said discounts my rate should be XXXX. 
What is shown on my account online at Valley 's website is XXXX XXXX. 
This is not what I agreed. I can not get an answer from the bank on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
Re : Complaint Regarding Illegal Reporting Practices Portfolio Recovery Associates ( PRA ) To Whom It May Concern : I am submitting this complaint regarding Portfolio Recovery Associates ( PRA ) due to multiple instances of illegal and misleading credit reporting.

1. PRA reports collections as open/active accounts On my Equifax report , PRA reports an account opened XX/XX/XXXX, although no such account was opened by me. 
They are presenting a collection as a newly opened credit line, which is unlawful. 
XXXX. PRA reports monthly scheduled payments and past due amounts My credit report shows PRA reporting monthly obligationsinformation that misrepresents the nature of a collection account and artificially re-ages the account.

3. DOFD inaccurately reset PRA lists a DOFD of XX/XX/XXXX, which does not align with the underlying delinquency date of the original creditor. 
Debt collectors can not alter DOFDs to prolong reporting.

4. Refusal to validate debt PRA has not provided : The original contract Proof I ever opened the alleged account Documentation of ownership Chain of title True DOFD Yet PRA continues furnishing negative information, violating FCRA and FDCPA. 
Requested Action I request that the CFPB : Investigate Portfolio Recovery Associates Address illegal re-aging Address false payment reporting Require deletion of unverifiable accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries remain. This failure to act is unacceptable and inexcusable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm, and I will not tolerate it any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation