vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account was paid in full and it is still being reported as part due to my credit bureaus.

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 2025-10-01 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:
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 : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXXXXXX BANK XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  XXXX BANK XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX XXXX  BANK - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} 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 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 explanation
Consumer complaint received 2025-10-01 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX 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 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 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 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 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
SW CRDT SYS is falsely reporting on my credit. I have never had any accounts with them. Per my research SW CRDT SYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: MA

Complaint narrative:
I was using a utility company in the state of Texas called discount power. I moved out of the state of Texas end of XXXX and they attempted to charge me a {$500.00} fee for term of contract. The contract ends without a fee if you move out of the service zone. I provided all necessary information for multiple months, reaching out again every few weeks to ensure my case was being taken care of and the fee would be removed. I was told to wait and it would be adjusted. only to be contacted by credit systems international stating that I owed a debt. We finally got the issue resolved with discount power I believe last month and it ended with them actually owing me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
I am disputing an alleged debt being reported and collected by Innovative Recovery , Inc . 
On XX/XX/year>, I mailed a formal written debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). Despite this, Innovative Recovery continued collection activity without providing proper validation.

They have continued to call and text me multiple times, leaving voicemails demanding payment. 
They also sent me a XXXX invoice for {$1000.00}, which does not match the balance they are reporting to the credit bureaus ( {$1200.00} ). 
The only documents they provided were a photocopy of a lease and an internal ledger, which are not proper validation. No itemized invoices, receipts, photographs, or legally sufficient proof were provided. 
This behavior constitutes violations of : FDCPA 1692g ( continuing collection activity without proper validation ).

FCRA 1681s-2 ( reporting inaccurate or inconsistent information to the credit bureaus ). 
This alleged debt is not validated, the amounts reported are inconsistent, and the collection activity is harassing and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I am filing this complaint against Experian for failing to update and correct my credit report. 

I previously disputed several collection accounts being reported by XXXX XXXX XXXX and XXXX XXXX XXXX. After investigations, both XXXX  and XXXX  determined that these collection accounts were either inaccurate or unverifiable and removed them from my credit reports. 

Despite this, Experian continues to report the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank XXXX XXXX ) Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX Bank ) Balance : {$4300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX Bank ) Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank ) Balance : {$2600.00} These same accounts were deleted by XXXX  and XXXX  following disputes, yet Experian continues to report them. 

This failure by Experian violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy. Reporting accounts that other CRAs already determined unverifiable is not accurate.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If disputed information can not be verified, the credit bureau must delete it. XXXX  and XXXXXXXX  already deleted these accounts, proving they can not be verified. 

The continued reporting by Experian is unfair, misleading, and harmful. It has directly caused me lower credit scores, difficulty obtaining credit, and reputational damage.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Portfolio Recovery Associates Failure to Provide Full Legal Proof of Debt Ownership Consumer : XXXX XXXX Against : Portfolio Recovery Associates , LLC Date : XX/XX/year> Product : Credit reporting / Personal consumer reports Issue : Inaccurate reporting and insufficient verification -- - Complaint I am filing a new complaint against Portfolio Recovery Associates ( PRA ) for failing to provide full verification of two collection accounts ( ending in XXXX and XXXX ). 

In response to my prior CFPB complaint, PRA only provided billing statements and partial records from the original creditor. This is not sufficient verification under the law. PRA claims to have purchased these debts, but if that is true, they should be able to provide : 1. The complete purchase agreement or assignment proving that PRA legally owns these specific accounts.

2. Original signed agreements/contracts showing I am financially responsible for these debts.

3. Full account-level documentation showing how the balances were calculated.

Billing statements alone are not acceptable proof of ownership or liability. By law, if PRA truly purchased these accounts, they should have the chain of title and original agreements, not just statements.

-- - Problem PRA continues to report these accounts to the credit bureaus without providing proof that they are the legal owner. 

I am not requesting updates or corrections to my report I am demanding either full proof or permanent deletion. 

PRA is attempting to shift responsibility onto XXXX, but PRA is the furnisher of the data. By law, PRA is directly responsible for ensuring accuracy with all consumer reporting agencies ( XXXX, XXXX, and XXXX  ). 



-- - Requested Relief 1. PRA must provide full legal proof of purchase and ownership of the accounts ( not billing statements ).

2. If PRA can not produce this documentation, the CFPB should require immediate and permanent deletion of both accounts from all credit bureaus.

3. PRA must not reinsert or re-report these accounts in the future without verified proof.

-- - Legal Basis FCRA 1681e ( b ) : Maximum possible accuracy required. 

FCRA 1681i ( a ) : Proper reinvestigation required.

FCRA 1681s-2 ( b ) : Furnishers must report accurate and consistent information.

FCRA 1681i ( a ) ( 5 ) ( A ) : Unverifiable information must be deleted.

Bottom Line : PRA can not shift blame to the credit bureaus. As the furnisher, PRA is responsible for reporting only verified, accurate information. Unless PRA can produce the actual legal proof of ownership, these accounts must be permanently removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-10-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I am filing this complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/year>, and again on XX/XX/year>, I submitted certified letter and documents to Experian regarding multiple accounts on my credit file that are reporting inaccurately and not in compliance with FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. 

The disputed accounts included, but are not limited to : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX The inaccuracies include incorrect open dates, last active dates, and other reporting errors, which Experian failed to correct or delete after my direct disputes. This constitutes a violation of FCRA 1681e ( b ) and FCRA 1681i ( failure to conduct a proper reinvestigation ).

Additionally, per 15 U.S.C. 1681b, consumers have the right to exclude inaccurate or unverifiable information from their credit reports. Experians continued reporting of this inaccurate data has caused me harm, including but not limited to lowered credit scores, denial of credit opportunities, and emotional distress.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to correct the inaccurate address on my credit file, despite my prior dispute sent on XX/XX/year>. My credit report still contains errors concerning both my current and previous residences, which is negatively affecting my file integrity. 
I am demanding an immediate investigation to remove the following inaccurate address : XXXX. XXXX XXXX XXXX XXXX, OH XXXX It was reported as current, but it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
What best describes your issue? 
Unauthorized transactions or other transaction problems ( Regulation E ) What happened? 
I am experiencing repeated unauthorized ACH debits posted to my XXXX  checking account and labeled as XXXX XXXX RETURN FEE and XXXX XXXX RETRY PYMT. These debits do not correspond to any orders, returns, or payments in my XXXX account. I verified my XXXX purchase history for the relevant dates and there are no matching transactions. 

The entries appear in close proximity to my payroll deposits from XXXX XXXX, suggesting a systematic debiting pattern following credits. I suspect either ( a ) a mis-coded or erroneous posting by XXXX  ACH processor, or ( b ) an unauthorized third-party pull using my routing/account number that XXXX is mislabeling as XXXX. 

Disputed transactions ( all XXXX ACH debits ) : XX/XX/year> XXXX XXXX RETRY PYMT {$10.00} XX/XX/year> XXXX XXXX RETRY PYMT {$17.00} XX/XX/year> XXXX XXXX  RETURN FEE {$30.00} XX/XX/year> XXXX XXXX  RETURN FEE {$30.00} XX/XX/year> XXXX XXXX  RETURN FEE {$30.00} XX/XX/year> XXXX XXXX  RETURN FEE {$30.00} Total disputed amount : {$140.00}. 

Steps I already took : I filed a written Regulation E dispute with XXXX  and requested provisional credit, plus the ACH trace numbers, Company IDs, and originator details for each debit. 
I attached evidence showing my XXXX purchase history with no matching fees or returns. 
I requested XXXX to investigate and correct the postings. 

Harm : These withdrawals depleted funds intended for necessities and occurred right after payroll deposits. This has caused financial hardship and account instability. 

Dates of transactions : XX/XX/year>, XX/XX/year>, XX/XX/year>. 
Account type : Personal checking. 
Amount disputed : {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: MD

Complaint narrative:
This company Jefferson Capital System has put a collection on my credit report causing it to decrease. Information is inaccurate and should be removed. Company has sent me multiple text messages about offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RCis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RCis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief