vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
When checking my credit report file as I do weekly, I found that Central Portfolio Control XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX phone XXXX reported a fraudulent collection on my file. It is reflected as a XXXX XXXX loan from XXXX XXXX dating back to XX/XX/XXXX. It is in the amount of {$220.00}. This same collection was placed on my report back in XXXX and was determined invalid and fraudulent. It was removed immediately from my record, and my credit score was reinstated back to what it was before the fraudulent collection was placed. I am repeatedly having to respond to several collection agencies that XXXX XXXX continues to sell the account to for their collecting. It is a fraudulent account created by XXXX XXXX to continue to sell to other collection agencies. I have never requested a pay advance loan and have never owed XXXX XXXX for a loan. I would think this action on the behalf of XXXX XXXX and the many collection agencies is illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-09-24 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: TN

Complaint narrative:
A couple of weeks ago I learned that my credit score had gone down almost XXXX points with XXXX. They seem to be associated with XXXX because a tab for them is on the page of my bank when I check my account.I applied for a credit card with XXXXXXXX XXXX because there are uses for a credit card. I was denied immediately. The bank would not tell me why, the credit reporting agency would not tell me why. They just say it's because of the credit report. They blame the negativity on the credit reporting agency. They actually use Equifax. I received a letter yesterday XX/XX/XXXX from XXXX. The letter states that they use Equifax. In the first paragraph says I have insufficient income, and excessive obligations in relation to income. No one seems to know what number is insufficient income. But their biggest untrue comment is " excessive obligations in relation to income. '' I have no obligations. I owe nobody any money. While legal it's ridiculous to include the closing of a credit card, the paying off of a debt as something negative. I believe that they discriminate against me because I'm a senior XXXX XXXX XXXX. Are they afraid I'll run up a debt, which is what they say I don't have and therefore it's negative, and not pay it off because I'll die soon?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been using Capital One banks bill payment system for years and every payment has been made electronically through XXXX XX/XX/year> ever since they have been sending my payments via paper checks rather than electronically. This is after they supposedly updated their bill payment system system. I filed a complaint with both Capital One and the XXXX in XX/XX/year> and after 5 months I finally received a response after the second XXXX complaint. Capital Ones response was basically its not an issue on their end and are blaming the payee. The Payee has investigated on their end showing that their systems have not changed and they are still accepting Electronic Payments ( EFT ) just as they did on XX/XX/year> which was the last Electronic Payment they received. All payments they are receiving now are paper checks from capital one. Their new system also doesnt even give the option to send payments electronically. Capital One needs to take responsibility for their non action and fix their system or revert back to the system they had prior to XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
I applied for PSLF buyback in XX/XX/year>. Processing times were suppose to be less than 45 days. Its now XX/XX/year>. I have called multiple times. I have submitted complaints.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am disputing inaccurate and inconsistent credit reporting of a Discover secured credit card across XXXX XXXX XXXX XXXX 

* The account was * * opened in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX closed in XXXX XXXXXXXX XXXX XXXX depending on the bureau. 
* The account was * * paid in full with a \ {$0.00} balance XXXX XXXX as of the last reporting in XXXX XXXX XXXX XXXX XXXX XXXX, yet it is still being reported as a XXXX XXXX  charge-off/collection XXXX XXXX with derogatory late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX reports the account as closed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance \ {$0.00}, but still lists it as XXXX  * In Collections/Charge-Off XXXX XXXX  with a worst status of * * 120+ days late ( XXXX lates ) XXXX XXXX and remarks Paid profit and loss. 
XXXX XXXX XXXX XXXX XXXX XXXX  reports the account as closed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance \ {$0.00}, but simultaneously lists * * No Info * * for payment history while showing XXXX XXXX XXXX  late payments XXXX XXXX and remarks Paid charge-off, still keeping it in derogatory status. 
XXXX XXXX XXXX XXXX XXXX XXXX reports the account as closed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance \ {$0.00}, yet still shows it as a XXXX XXXX Collection/Charge-Off XXXX XXXX  with remarks Paid but also Unpaid balance reported as a loss by credit grantor. 

These reports are contradictory and materially misleading. A paid and closed account with a \ {$0.00} balance should not be reported as delinquent, charged off, or in collections. The inconsistent dates, remarks, and late payment histories across all three bureaus create further confusion and harm. 

I have previously disputed this information, but the bureaus have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-24 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: MD

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-09-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  is inaccurately reporting my auto loan ( Account # XXXX ) as charged off / profit and loss write-off with a reported balance of {$19000.00}. Under IRS law ( 26 U.S.C. 6050P ), if the debt was truly written off, the bank was required to issue me a Form 1099-C. I never received such documentation.

This reporting is misleading and incomplete because they are both : Claiming a profit/loss write-off, and Still reporting that I owe the balance.

This is inconsistent with federal tax law and a violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately reporting my auto loan ( Account # XXXX ) as charged off / profit and loss write-off with a reported balance of {$19000.00}. Under IRS law ( 26 U.S.C. 6050P ), if the debt was truly written off, the bank was required to issue me a Form 1099-C. I never received such documentation.

This reporting is misleading and incomplete because they are both : Claiming a profit/loss write-off, and Still reporting that I owe the balance.

This is inconsistent with federal tax law and a violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ).

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