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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has failed to safeguard my sensitive personal information, as confirmed by the recent data breach impacting more than XXXX XXXX consumers in XX/XX/year>. Highly sensitive data including Social Security numbers, dates of birth, and other identifiers were exposed due to XXXX reliance on an unsecured third-party system. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ) ( duty to maintain maximum possible accuracy ) and 1681b ( permissible purposes ). In addition, inaccurate and unauthorized information remains on my credit file, which TransUnion has a statutory duty to delete or correct under 1681i. This breach and the continued reporting of unverifiable data put me at risk of identity theft, fraud, and financial harm.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe may include inaccurate information. Under 15 USC XXXX ( b ) and 15 USC XXXX, I have the right to a credit report that is both accurate and verifiable. I request a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit XXXX XXXX XXXX. 

XXXX XXXX Big XXXX XXXX, XXXX XXXX XXXX, MI XXXX Dear Midland Credit XXXX, I am writing to formally request validation and verification of the above-referenced debt, which you claim I owe. This request is being made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 



Please provide the following documentation : XXXX that I am legally obligated to pay this debt. 

The name and address of the original creditor. 

A copy of the original signed credit agreement or contract bearing my signature. 

A complete account history showing how the alleged balance of {$810.00} was calculated. 
Documentation showing that your company purchased or has been assigned this debt, including the date of transfer and from whom. 

Proof that your company is licensed to collect debts in my state. 




Until this information is provided, please cease all collection activity, including reporting or verifying this account with any credit bureau, as required by law. 



This letter is not an admission of liability or acknowledgment of the debt, but a good-faith request for proper validation and verification.

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: FL

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and damaging information being reported on my credit file. The account in question is being reported as a Charge Off by XXXX XXXXXX/XX/XXXXXXXX Account No : XXXX )XX/XX/XXXXwith the following details : High Balance : {$350.00} Date Opened : XX/XX/year> Status Being Reported : Charge Off This reporting is inaccurate, incomplete, and unverifiable for the following reasons : I have never received any proper validation or supporting documentation proving that this alleged debt belongs to me. 

The furnisher has failed to provide any signed contract, statements, or legal evidence establishing ownership or liability. 

Reporting a Charge Off without proper verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which requires all information reported to credit bureaus to be accurate and verifiable. 

This inaccurate reporting is causing severe and unjust damage to my credit profile, impacting my ability to obtain fair credit opportunities. 

I respectfully request that the CFPB investigate this matter and take the necessary steps to : XXXX XXXX XX/XX/XXXX and the reporting credit bureaus to provide full validation of the alleged account. 

If validation can not be provided, require the immediate removal of this Charge Off entry from my credit report. 

Ensure compliance with the FCRA and hold the furnisher accountable for reporting unverifiable 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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion has refused to block a fraudulent account ( XX/XX/XXXX ) from my credit file, despite my providing identity theft documentation and proof thatXX/XX/XXXX has already verified and removed the same account. Under the Fair Credit Reporting Act ( FCRA ) XXXX, once a consumer provides an Identity Theft Report and requests a block, the credit bureau is required to remove or block the fraudulent information within XXXX business days. 

TransUnions continued reporting of this account, after being informed it is fraudulent and already deleted by XX/XX/XXXX, constitutes a clear violation of the FCRA. I am requesting that the CFPB require TransUnion to immediately block the XXXX XXXX account from my credit report and confirm its permanent deletion in writing.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I submitted a timely Validation of Debt request to PORTFOLIO RECOVERY ASSOCIATES regarding Account Number : XXXXXX/XX/XXXXfor the alleged balance of {$920.00} under the Fair Debt Collection Practices Act ( XX/XX/XXXX ), 15 U.S.C. XXXXg. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, PORTFOLIO RECOVERY ASSOCIATES failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. XXXX of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( b ), for reporting unverifiable or inaccurate information.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Shows multiple XX/XX/year> late cXX/XX/XXXXes and Loan modified comments, but the balances, last-payment dates, and reported dates dont align across CRAs. After dispute, no itemized payment ledger or modification documents were produced. Reporting inconsistent dates/status is inaccurate under FCRA XXXX ( a ) and Metro-2.

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: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I trying to to lease a XXXX XXXX from XXXX CA XXXX dealership and over there they telling me me that MB finance dont want to give you a lease because of you are in BLACKLIST, but i never had any lease or finance with them to get into blacklist, i sold my car to get XXXX now they left me without car

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this statement to exercise my rights under XXXX5 U.S.C. 1681, part of the Fair Credit Reporting Act ( FCRA ), which was established to ensure the accuracy, fairness, and privacy of personal information collected by consumer reporting agencies. According to this federal statute, consumers are entitled to credit reports that are fair, accurate, and kept confidential. The law requires that consumer reporting agencies maintain procedures that assure maximum possible accuracy of the information they report. I am disputing inaccurate, outdated, or unverifiable information that is currently being reported on my credit file. I did not authorize the reporting of this information, and it does not reflect my true credit history. Therefore, I am requesting a prompt investigation and the removal or correction of any and all information that violates my rights under 15 U.S.C. 1681.

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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have to use your link because the CFPB system also is mediocre, and can't take upload of files of this size - fix that - XX/XX/XXXX 

XX/XX/XXXXXXXXXX/XX/XXXXsharing Also - I have to reopen my case because the solutions provided on the Final Resoultion proposed by Wells Fargo in my previous complaint, continues being full of deception and situations of breach of contract. 

All the payment solutions they provided were fake and useless for my problem. They don't try to solve the problem, but copy paste ideas. They don't care and I continue being unable to pay them. 

Wasted another XX/XX/XXXX with their useless customer service on the phone- and they continue not providing solutions. The ammounts of damages and perjury that will be contained in the lawsuit against them will increase. 

Filing this with the CFPB is just a formality, because at this point we are sure Wells Fargo doesn't care about solving this issue. 

In the recorded call is possible to see how all the payments they proposed are impossible for someone that's traveling. 

When their customers go in a trip, their plan is to set them traps, with illegal interest payment shemes, and other tricks, they use to rip off their customers when they are traveling, and they can make it difficult for them to pay. 

I hope Wells Fargo burns in XXXX. Their brand is already below XXXX starts.

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: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates has continued to contact me by phone and text message after receiving two separate certified letters from me instructing them to cease all communication. These actions violate the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I sent Portfolio Recovery Associates a certified letter disputing an alleged debt and formally requesting that all communication cease, in accordance with 15 U.S.C. 1692c ( c ).

USPS tracking confirmed delivery of this letter.

Despite this, Portfolio Recovery Associates continued to place daily phone calls to my number from multiple different numbers. 
On XX/XX/year>, I sent a second certified cease-and-desist notice reminding them of their ongoing violations and instructing them again to cease all contact. 
USPS tracking confirms this second letter was delivered on XX/XX/year>. 
Since that date, Portfolio Recovery Associates has called my phone approximately six additional times, and on XX/XX/year>, I received a text message from XXXX XXXX stating : Portfolio Recovery Associates , LLC Debt Collector : We want to discuss your debt with us. Visit PRApay.com or XXXX. Txt STOP to stop txts to this #. 

I have preserved all call logs, screenshots of text messages, USPS delivery receipts, and copies of the certified letters as evidence.

These communications were made after Portfolio Recovery Associates had received written notice to cease contact, and therefore constitute willful violations of the FDCPA, including but not limited to : 15 U.S.C. 1692c ( c ) continued communication after written cease notice, 1692d ( 5 ) causing the phone to ring repeatedly with intent to annoy or harass, 1692e misleading or deceptive representations in connection with the debt.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently discovered several accounts and credit inquiries that I never authorized, opened, or even knew existed. In XX/XX/XXXX, I realized that my credit report contained multiple fraudulent items none of which belong to me. This has been a devastating experience that has deeply affected my peace of mind and my daily life. 

I am a XXXX, and I work with many different people every day who come and go from my shop. Because of the constant flow of clients, its possible that someone took advantage of that environment to steal my personal information and misuse it. This ongoing fraud has caused me tremendous emotional and financial harm. 

I am pleading with the credit bureaus to assist me in removing and blocking these fraudulent items immediately, as they are clear evidence that I have been a victim of identity theft. The fraudulent accounts appearing on my report are as follows : XXXX CARD Credit Card Opened in XX/XX/XXXX ; XXXX  Personal Loan Opened in XX/XX/XXXX ; XXXX XXXX XXXX Collection Opened in XX/XX/XXXX ; XXXX  XXXX Credit Card Opened in XX/XX/XXXX ; XXXX XXXX Auto Loan Opened in XX/XX/XXXX Additionally, the following inquiry is also part of the identity theft I have suffered : XXXX Inquired on XX/XX/XXXX XXXX

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently discovered several accounts and credit inquiries that I never authorized, opened, or even knew existed. In XX/XX/XXXX, I realized that my credit report contained multiple fraudulent items none of which belong to me. This has been a devastating experience that has deeply affected my peace of mind and my daily life. 

I am a XXXX, and I work with many different people every day who come and go from my shop. Because of the constant flow of clients, its possible that someone took advantage of that environment to steal my personal information and misuse it. This ongoing fraud has caused me tremendous emotional and financial harm. 

I am pleading with the credit bureaus to assist me in removing and blocking these fraudulent items immediately, as they are clear evidence that I have been a victim of identity theft. The fraudulent accounts appearing on my report are as follows : XXXX CARD Credit Card Opened in XX/XX/XXXX ; XXXX  Personal Loan Opened in XX/XX/XXXX ; XXXX XXXX XXXX Collection Opened in XX/XX/XXXX ; XXXX  XXXX Credit Card Opened in XX/XX/XXXX ; XXXX XXXX Auto Loan Opened in XX/XX/XXXX Additionally, the following inquiry is also part of the identity theft I have suffered : XXXX Inquired on XX/XX/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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Even though the balance is cleared, late payment notations remain on record.

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: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX, I attempted to book a house reservation on XXXX for a total of {$460.00} using my Chime card. The booking did not go through or confirm on the website, but the money was immediately taken from my account. 
I contacted XXXX customer service and explained that the charge was showing as pending. I was assured by the representative that the transaction would not be completed and that the pending amount would automatically fall off my account. However, about XXXX hours later, the charge was fully processed- even though I never received a booking confirmation or reservation details. 
I called XXXX again to explain the situation, but the agent I spoke to hung up on me. I also reached out to Chime to dispute the charge, but they have not provided any resolution. At this point, XXXX has taken the full payment without providing the service or confirming any reservation. 
I would like a full refund of {$460.00} for the unauthorized charge and a formal acknowledgment from XXXX regarding this issue

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b'Equifax Information Services LLCXXXX XXXX XXXX GA XXXX-XXXXXXXXSubject: Request to Remove Inaccurate Credit Information\n\nTo Whom It May Concern:\n\nUpon reviewing my credit report, I have identified the following item(s) that contain inaccurate information:\n\n1. The following personal information is incorrect\n\n\n    Previous Address(es): XXXX XXXX XXXX XXXX XXXX  GA XXXX2. The inquiry was not authorizedXXXXDate of inquiry: XXXX    Please remove it from my credit report.\n\n3. The inquiry was not authorized\XXXXDate of inquiry: XXXX    Please remove it from my credit report.\n\n4. The inquiry was not authorizedXXXXDate of inquiry: XXXX     Please remove it from my credit report.\n\n5. The inquiry was not authorizedXXXXDate of inquiry: XXXX    Please remove it from my credit report.\n\n6. The inquiry was not authorizedXXXXDate of inquiry: XXXX    Please remove it from my credit report.\n\n\nIn accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and deleted from my report. It is my understanding that you will conduct a verification process with the relevant creditor who reported this information. I ask that any unverifiable information be promptly removed. As stated in 15 U.S.C. Sec. 1681i(a), I expect this reinvestigation to be completed within 30 days upon receipt of this correspondence. My personal information has been compromised, and I have attached those documents. \n\nPlease provide an updated copy of my credit report to the aforementioned address. Under the provisions of the act, I am not liable for any fees associated with this updated report. Additionally, I request that you notify all entities who have accessed my credit report within the past six months of any necessary corrections.\n\nThank you for your attention and assistance regarding this matter.\n\nSincerelyXXXX 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