vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information hasbeen used to apply for a card. It was really stressful and hurtful to nd out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent credit inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered that an account reported by XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in credit reporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers right to dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Multiple Inconsistent Reports and FCRA Violations XXXX XXXX I am filing this complaint against XXXX XXXX XXXX XXXX XXXX  XXXX )/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the credit reporting agencies for gross inaccuracies, inconsistent reporting, and possible willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
As shown in the attached credit report screenshots, XXXX XXXX has reported multiple conflicting versions of the same account under different balances and statuses including {$360.00}, {$410.00}, {$530.00}, {$720.00}, {$1700.00}, and {$3200.00} over a short period between XXXX and XX/XX/year>. 
This account has appeared as : Delinquent 30/60/120 days, Charged-off, Past due, and Increased balance without activity. 

These inconsistent figures represent data furnishing errors and re-aging violations under FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 605 ( c ), which prohibit furnishers from reporting misleading or obsolete information. Each balance update appears arbitrary and unsupported by any transactional evidence or statement. 
Furthermore, by reporting multiple balances on what appears to be a single debt, XXXX XXXX is creating a false impression of continued delinquency and artificially depressing my credit score, violating FCRA 607 ( b ) ( requirement of maximum possible accuracy ) and FDCPA 807 ( 2 ) ( A ) ( false representation of the amount or legal status of a debt ). 
I am also concerned this may be a pattern of discriminatory or retaliatory reporting. 
For verification, my legal name is XXXX XXXX XXXX, as reflected on my drivers license ( attached ).

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/year> To : All debt collection agencies Subject : Cease and Desist Unlawful Debt Collection Contact To Whom It May Concern : I am formally requesting that you cease and desist all communication with me in regard to any alleged debt you claim I owe. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Please be advised of the following : 1. You are to immediately stop contacting me by phone, mail, email, text, or any other method regarding this or any other alleged debt.

2. You may only contact me to confirm that you will cease further contact or to notify me of specific legal action you intend to take.

3. Any further communication beyond what is legally permitted will be documented and treated as a violation of federal law, which may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office.

If you believe I owe any debt, please provide written validation of the debt, including the name of the original creditor, the amount owed, and proof that you are authorized to collect it. Until such documentation is provided, you must refrain from any collection activity or credit reporting.

Failure to comply with this notice may result in legal action to enforce my rights under the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Account got closed in XXXX XXXX XXXX n funds was tooking now I have my account with no funds and I been with chime since 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
On XXXX, XXXX XX/XX/XXXX. I came home saw a notice from the marshals officer was slide to the side of my door and when I look at a summons from Portfolio Recovery Associated that I was being sued for total amount of {$15000.00} cleaning that I owed to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TN

Complaint narrative:
I am submitting this complaint regarding several inaccuracies and unauthorized items that violate my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting late payments even though all are paid and closed with {$0.00} balances. This information is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate data. Closed accounts with no remaining balance should not reflect late payments or derogatory remarksXXXX XXXX XXXX XXXX XXXX  is being reported with a {$3100.00} charge-off. I never received proper billing, validation, or notice of this charge-off from the furnisher. This violates FCRA 623 ( a ) ( 5 ), which requires accurate reporting of the Date of First Delinquency, and 611 ( a ) ( 1 ) ( A ), which requires furnishers to verify disputed data. I request full validation or deletion of this account. 
My credit report also includes numerous inquiries from lenders such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others between XXXX. Many of these inquiries were not authorized by me and lack a permissible purpose under FCRA 604 ( a ) ( 3 ). These unauthorized inquiries have lowered my credit score and invaded my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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 submitting this complaint regarding several inaccuracies and unauthorized items that violate my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting late payments even though all are paid and closed with {$0.00} balances. This information is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate data. Closed accounts with no remaining balance should not reflect late payments or derogatory remarksXXXX XXXX XXXX XXXX XXXX  is being reported with a {$3100.00} charge-off. I never received proper billing, validation, or notice of this charge-off from the furnisher. This violates FCRA 623 ( a ) ( 5 ), which requires accurate reporting of the Date of First Delinquency, and 611 ( a ) ( 1 ) ( A ), which requires furnishers to verify disputed data. I request full validation or deletion of this account. 
My credit report also includes numerous inquiries from lenders such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others between XXXX. Many of these inquiries were not authorized by me and lack a permissible purpose under FCRA 604 ( a ) ( 3 ). These unauthorized inquiries have lowered my credit score and invaded my privacy.

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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On or about XX/XX/year>, Midland Credit Management began reporting a collection account on my credit report for a XXXX XXXX. / XXXX XXXX account allegedly totaling {$4300.00}. I disputed the accuracy of this information with all three credit bureaus and directly with XXXX under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I specifically requested validation, including the original signed agreement, an itemized accounting of the balance, and proof that my specific account was legally transferred from XXXX to XXXX. In response, XXXX provided only a generic XXXX XXXX XXXX and a redacted Exhibit A that do not include my name, account number, or any individualized evidence connecting me to the alleged debt. 

Despite failing to provide proper validation, XXXX verified the account with TransUnion and continues to report it as accurate. This constitutes violations of FCRA 1681i ( a ) and 1681e ( b ) ( failure to ensure accuracy and reasonable reinvestigation ) and FDCPA 1692g ( b ) and 1692e ( 8 ) ( failure to validate and misrepresentation of debt information ). 

I am requesting that Midland Credit Management be required to provide verifiable, account-level documentation proving ownership and accuracy of this alleged debt or that this collection account be deleted from all credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
The account has been paid in full, yet it still displays late payment 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 2025-10-16 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:
The account has been paid in full, yet it still displays late payment 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 explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
This account was completely settled, but my report still lists late payments.

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 2025-10-16 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: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered that an account reported by XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in credit reporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers right to dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumer rights.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I had a credit card account with PenFed. I had agreed to a payment plan and was making payments on the account. PenFed updated their system. It kicked the payment plan out and remove my access to make payments. I contacted them. It was never resolved. Penfed has since been reporting negative payment information as a charge off and repeated late payments After the date of charge off. I never received a 1099 as requested. I never received verification of the debt ownership. Ive been contacted by another debt collector, who said that they are entitled to collection of the debt, but unable to settle that or remove the damaging information from my credit report. Penfed destroyed my credit after they went back on a payment agreement and removed my access to pay the debt as agreed upon. I want all the late charges removed from my account and the payment plan reinstated. I was paying as agreed until penfed updated their system and deleted my access to make payments. As you can see on my credit report, all of the credit cards have been paid off and are in good standing Penfed is the only account in a charge of status and it was not by any fault of my own. It was an issue with their system upgrades. I want all the negative report removed from my credit report and PenFed held accountable for willfully furnishing information to harm my credit report. Ive never been contacted before this information was put on my credit report or after. Every attempt that I have made to fix this has been unsuccessful.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America, has stated that they closing my dispute with them which has overdrafted my account after not performing any form of investigation, not even listening to the fact that fraud occurred on my account and under federal law it makes me not liable for it. XXXX dollars was removed from my account fraudulently and Bank of America chooses not to reimburse which is required under federal law. The funds were removed from my account and sent to a " XXXX XXXX '' i have never met this person, nor do i have any knowledge of who they are.

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 2025-10-16 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-16 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-16 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: GA

Complaint narrative:
This account is not mine and is being reported inaccurately on my credit file.

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 2025-10-16 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report. My XXXX  XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with a balance of {$440.00} and my XXXX XXXX  account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a {$0.00} balance are being reported with late payments as of XX/XX/year>. These notations are incorrect, as all payments were made on time and both accounts are current. Reporting false delinquencies violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate information, and 611 ( a ) ( 1 ) ( A ), which obligates them to verify disputed data.

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 2025-10-16 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:
On XX/XX/year>, I mailed a complete Identity Theft Dispute Package to Equifax, which included my Police Report, FTC Identity Theft Report ( # XXXX ), proof of identity, and proof of address. XXXX XXXX Mail confirmed delivery on XX/XX/year>. 

Despite receiving all required documentation, Equifax failed to comply with FCRA 605B, which mandates that all fraudulent information related to identity theft must be deleted or blocked within four ( 4 ) business days after receipt of valid identity theft evidence. 

As of XX/XX/year>, Equifax continues to report fraudulent accounts, unauthorized names, and false addresses that were clearly identified as the result of identity theft. This failure to act constitutes ongoing violations of FCRA 605B, 607 ( b ), 611 ( a ), 616, and 617, as well as Metro 2 Compliance Guidelines and Florida consumer protection laws ( FDUTPA and FCCPA ). 

I have attached my original dispute letter ( XX/XX/year> ), proof of delivery ( XX/XX/year> ), FTC and police reports, and updated Equifax credit report ( XX/XX/year> ) showing that the fraudulent data remains on file. I am requesting that the CFPB ensure Equifaxs immediate compliance with federal law and order the permanent deletion of all fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief