vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: WI

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was granted a unemployment forbearance from XX/XX/year>2025 until XX/XX/year>2025. I called in and checked in every month. When I called in XX/XX/scrub> 2025 to inform that I was now employed, I was told it would be reviewed for Loan Modification. I specifically asked if I needed to make any payment for XXXX, more specifically by XX/XX/scrub> 2025. I was told " NO '' that my account would be under review until XX/XX/scrub> 2025 and was even asked if I needed my XXXX payment waived, I said if that was an option, than " YES ''. The failure to make this payment that I was specifically told I did not need to make, resulted in me being considered delinquent and my account was reported to all XXXX credit bureaus as XXXX past due. And being informed on XX/XX/year>2025 that my home could possibly be foreclosed on now. I made a payment of {$2200.00} on XX/XX/scrub> 2025 told by the representative that they would escalate the issue. I need my credit bureaus to be corrected as I was given the incorrect information and misinformed of the options I had. XXXX needs to review the phone calls where I was specifically told I did not need to make a payment for XXXX while I was awaiting review until XXXX XXXX, 2025. 
I am disputing that the outstanding balance of {$12000.00} is delinquent.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was granted a unemployment forbearance from XX/XX/year>2025 until XX/XX/year>2025. I called in and checked in every month. When I called in XX/XX/scrub> 2025 to inform that I was now employed, I was told it would be reviewed for Loan Modification. I specifically asked if I needed to make any payment for XXXX, more specifically by XX/XX/scrub> 2025. I was told " NO '' that my account would be under review until XX/XX/scrub> 2025 and was even asked if I needed my XXXX payment waived, I said if that was an option, than " YES ''. The failure to make this payment that I was specifically told I did not need to make, resulted in me being considered delinquent and my account was reported to all XXXX credit bureaus as XXXX past due. And being informed on XX/XX/year>2025 that my home could possibly be foreclosed on now. I made a payment of {$2200.00} on XX/XX/year>2025 told by the representative that they would escalate the issue. I need my credit bureaus to be corrected as I was given the incorrect information and misinformed of the options I had. XXXX needs to review the phone calls where I was specifically told I did not need to make a payment for XXXX while I was awaiting review until XX/XX/year>2025. 
I am disputing that the outstanding balance of {$12000.00} is delinquent.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was granted a unemployment forbearance from XX/XX/scrub> 2025 until XX/XX/year>2025. I called in and checked in every month. When I called in XX/XX/year>2025 to inform that I was now employed, I was told it would be reviewed for Loan Modification. I specifically asked if I needed to make any payment for XXXX, more specifically by XX/XX/scrub> 2025. I was told " NO '' that my account would be under review until XX/XX/year>2025 and was even asked if I needed my XXXX payment waived, I said if that was an option, than " YES ''. The failure to make this payment that I was specifically told I did not need to make, resulted in me being considered delinquent and my account was reported to all XXXX credit bureaus as XXXX past due. And being informed on XX/XX/scrub> 2025 that my home could possibly be foreclosed on now. I made a payment of {$2200.00} on XX/XX/scrub>, 2025 told by the representative that they would escalate the issue. I need my credit bureaus to be corrected as I was given the incorrect information and misinformed of the options I had. XXXX needs to review the phone calls where I was specifically told I did not need to make a payment for XXXX while I was awaiting review until XXXX XXXX, 2025. 
I am disputing that the outstanding balance of {$12000.00} is delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
Capital One case number : XXXX Capital One has failed to dispute the charge and has not contacted the merchant. I filed a dispute for being overcharged, but the dispute has been mishandled, and someone has incorrectly claimed that I was charged the wrong amount. For the past XXXX months, I have been disputing charges from this specific merchant due to overcharging, and all previous disputes were handled correctly by Capital One except for this one. 

Capital One provided me with a " Case Information Form, '' which I have filled out multiple times over the past XXXX months, and this form has been sufficient for disputing charges. All disputes I submitted using this form, along with supporting documents, were adequate, and all prior disputes have been in my favor. The only difference with this dispute is the illegal amount I am contesting that was charged by the merchant. 

After I filed this dispute, Capital One has not processed the form and supporting documents that I have submitted several times before. On XX/XX/XXXX, I sent in a " Case Information Form '' along with supporting documents. However, on XX/XX/XXXX, I received a different letter with another form posted in my document file, requesting additional information, which is unnecessary. The information I provided on XX/XX/XXXX is the same I have been submitting for the last XXXX months. Capital One chose to send me a form that does not pertain to my overcharge. 

A customer service agent on the phone informed me that my dispute is classified as " charged the wrong amount '' and requested to see a bill with the correct amount I should be charged. This is impossible to provide because the bill shows the illegal overcharge by the merchant that I am disputing. Capital One has reversed the temporary credit and charged me again. The merchant does not respond to disputes filed by Capital One ( accepting the disputed amounts ) and subsequently charges my credit card on the next bill for the disputed amounts. The disputed amount is an illegal charge by the merchant. 

The XX/XX/XXXX letter is about merchandise. The merchant who charged my credit card does not provide merchandise. The merchant is a communication company providing internet service therefore this letter is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-10-17 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Subject : CFPB Case # XXXX ( PRA Account Ending in XXXX ) Incomplete Verification and Lack of Proof of Ownership Complainant : XXXX XXXX XXXX XXXX 
Respondent : Portfolio Recovery Associates , LLC ( PRA ) Original Creditor : XXXX XXXX Bank, XXXX. 
Account Ending : XXXX Claimed Purchase Date : XX/XX/XXXX Claimed Balance : $ XXXXXX/XX/XXXXTo the Consumer Financial Protection Bureau : This submission is in reference to the response received from Portfolio Recovery Associates , LLC ( PRA ) regarding the above-referenced account. 
While PRA asserts that it purchased my XXXX XXXX Bank account and that its records verify ownership, the response fails to include any documentary evidence proving that PRA owns or was legally assigned this specific account. 
Specifically : XXXX. PRA claims to have purchased the account from XXXX XXXX XXXX XXXX but did not provide a bill of sale, assignment agreement, or portfolio-level transfer document identifying my individual account number or linking the alleged purchase to me. 
XXXX. The response relies entirely on internal business records and a narrative summary. Such statements do not meet the FDCPA XXXX ( b ) standard for meaningful verification, which requires competent evidence that the collector has a legal right to collect on the specific consumer account. 
XXXX. PRAs continued credit reporting or representation of ownership without documentary substantiation may constitute violations of the FDCPA ( 15 U.S.C. XXXX, XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. XXXX ). 
Accordingly, I respectfully request that the CFPB : Require PRA to produce documented proof of ownership, including the bill of sale or assignment showing transfer from XXXX XXXX XXXX XXXX ( or XXXX XXXX Bank, XXXX. ) to PRA, specifically identifying my account ending in XXXX ; or Direct PRA to cease all collection and credit reporting activity on this account until such proof is provided. 
In addition, I request confirmation that this account remains properly marked as disputed with all consumer reporting agencies while this review is ongoing. 
Thank you for your attention and for ensuring that PRAs verification and reporting practices remain consistent with federal consumer protection standards. 
Respectfully, XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX, PA XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-10-17 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: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-17 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute and Demand for Immediate Deletion Dear Jefferson Capital Systems XXXX Department, I am formally disputing the accuracy, completeness, and legality of your reporting of an alleged account. This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. XXXX ( a ) ) and a debt validation demand under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. XXXX ). 

Account in Dispute : Creditor/Furnisher : Jefferson Capital Systems , LLC Reference Number : XXXX Reported Balance : {$3800.00} Original Creditor : XXXX XXXX Date Opened : XX/XX/year> Legal Grounds for Dispute XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ), 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : You are prohibited from furnishing information that you know or should know is inaccurate. Your reporting of this alleged debt is inaccurate, incomplete, and misleading. 
XXXX. FCRA XXXX ( a ) ( XXXX ), 15 U.S.C. XXXX ( a ) ( XXXX ) : The Date Opened and Date of First Delinquency appear inconsistent, suggesting possible re-aging an illegal act intended to extend the reporting period beyond XXXX years. 
XXXX. FDCPA XXXX ( b ), 15 U.S.C. XXXX ( b ) : I hereby dispute the validity of this alleged debt. You must cease all collection activity, including reporting to any consumer reporting agency, until you provide full verification as required by federal law. 



Required Documentation If you believe this account is valid, please provide all of the following within XX/XX/XXXX days of receiving this letter : Original signed credit application or agreement bearing my signature Complete payment and charge-off history from the original creditor Legal documentation showing assignment or purchase of the account by Jefferson Capital Systems Proof that your company has the legal right to collect and report this debt If you can not produce the above documentation, you must immediately : Cease all reporting to XX/XX/XXXX and XX/XX/XXXX, and Delete this account entirely from any credit bureau file under FCRA XXXX XXXX a ) ( XXXX ) and XXXX ( a ) ( XXXX ). 



Notice of Intent Be advised that continuing to report unverifiable or inaccurate information after receiving this formal dispute constitutes willful noncompliance with the FCRA and FDCPA, subjecting your company to civil liability under 15 U.S.C. XXXX, XXXX, and XXXX, including statutory damages, court costs, and attorney fees. 



Please mail your written response and all documentation to my address above. 
If you can not verify the alleged debt with legally acceptable proof, you must delete all related data from every consumer reporting agency immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation