vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio continues to report incorrectly. They provided documentation showing the bought bulk debt AFTER they reported ownership on credit reports They reported the original amount as one debt, a litte ober {$1800.00}, but show a lesser amount {$1700.00} owed as if a payment was made and failed to explain this. 

The statements they provoded in their own shows the debt as {$1200.00}. XXXX they claom XXXX report XXXX. They have yet to provide an answer in the {$50.00} difference. They offered a hardship letter and I returned it but haven't heard anything else bit have sent the same hatfshop paperwork twice more to be completed. They are stalling! I am old and XXXX and nothing to do in life but keep making this complaint until they remove the collection from all 3 CRA. All of my income are exempt from collection or judgements and I just want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
I am disputing the following charged-off accounts that have been inaccurately reported to TransUnion. These accounts are listed below with their respective details : XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$470.00} ) XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$1300.00} ) XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$430.00} ) XXXX XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$5500.00} ) XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX XXXX  ( Account XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$1800.00} ) XXXX XXXX XXXX XXXXXXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$320.00} ) XXXX XXXX  ( Account # XXXX, Opened XX/XX/XXXX, Balance {$810.00} ) XXXX  ( Account # XXXX, Opened XX/XX/XXXX, Balance {$510.00} ) XXXX  XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$780.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$720.00} ) XXXX  XXXX ( Account # XXXX, Opened XX/XX/XXXX, Balance {$690.00} ) Additionally, I am disputing the following inquiries that were reported to TransUnion : XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX Rev ( Date : XX/XX/XXXXXXXX  ) XXXX XXXX ( Date : XX/XX/XXXXXXXX  ) XXXX XXXX ( Date : XX/XX/XXXXXXXX  )

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 2025-11-04 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: TX

Complaint narrative:
The information under dispute presents a misleading view of my financial history. I request that it be corrected to reflect my true record.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am filing a complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate and outdated personal information on my credit files. 

I have contacted each bureau multiple times by phone and in writing asking that incorrect addresses, phone numbers, and name variations be deleted. Only my current information should appear, yet they continue to report old and inaccurate data. 

The bureaus are violating the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to reinvestigate and correct or delete unverifiable information within 30 days ).

These ongoing inaccuracies create confusion during credit reviews and expose me to unnecessary privacy and security risks.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
For my capitalone quicksilver account, I showed them proof that for 4 shoes I bought from XXXX, all of them were returned. I was only refunded 2 of the shoes, I consistently contacted foot locker with no response, I disputed capital one with the evidence, and they closed my case saying they already responded. 

Second is my XXXX XXXX card, I gave them proof I returned the item and that the merchant is refusing to refund me, and they do not care. They said I have to work directly with the merchant, when they are not working with me. I gave them the item back I would like my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Please consider this letter as my formal notification that the accounts referenced are fraudulent. I did not authorize them, and I respectfully request their removal and full review. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: WA

Complaint narrative:
XXXX XXXX is showing up on my credit report as a inquires. I do not do business with this company

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing a late payment reported by XXXX  XXXX. Under the Truth in Lending Act ( 15 U.S.C. 1637 ) and Regulation Z, creditors must send billing statements with finance charges, due dates, billing cycle details, and fees at least 21 days before the payment is due. 

I never received this statement, and the creditor has not proven that it was sent or contained the required disclosures. Without this, the late payment is inaccurate under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-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 2025-11-04 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: EQUIFAX, INC.
State: MS

Complaint narrative:
- Submitted an original credit report dispute on [ Insert Dispute Date Here ] - Received response acknowledging investigation but no resolution - May not have met all required deadlines or procedures - Sent formal demand letter via fax and certified mail - Retained all documentation Requested Resolution : - Reopen or allow a new dispute submission - Complete a good-faith investigation based on updated and complete information - Provide written confirmation of results - Remove unverifiable or inaccurate information per FCRA 611

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
- Submitted an original credit report dispute on [ Insert Dispute Date Here ] - Received response acknowledging investigation but no resolution - May not have met all required deadlines or procedures - Sent formal demand letter via fax and certified mail - Retained all documentation Requested Resolution : - Reopen or allow a new dispute submission - Complete a good-faith investigation based on updated and complete information - Provide written confirmation of results - Remove unverifiable or inaccurate information per FCRA 611

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 2025-11-04 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: CA

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 2025-11-04 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: CA

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 2025-11-04 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX the inquiry was not authorized. 
XXXX XXXX XXXX XXXX the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX  the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX the inquiry was not authorized.

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 2025-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I was originally with XXXX wireless and switched to XXXX XXXX to a plan that would pay off the remaining balance on my cell phone. XXXX never paid it off. XXXX sent my remaining balance to collections. I personally paid the bill through the collection agency and contacted XXXX. XXXX apologized and credited my XXXX account instead of paying me back. Neither XXXX or XXXX will not provide a letter agreeing to take the delinquent account off my credit report. My credit score has dropped and now I can not buy a house because of my new score, that is not my fault. I have called several times and have spoken to several different departments from both XXXX & XXXX, including supervisors, with no help.

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 2025-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Contacted Sequium asset Solutions LLC and informed them that the debt was not mine it was my fathers.I gave them my social security number and it didnt match what they had on file.They told me they would stop reporting this information and apologized but yet and still it is still reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: TX

Complaint narrative:
My son has XXXX and we are paying for them with a payment plan through the dentist office. The plan is on autopay, and the account has always remained current, no payments have been missed. On XXXX XXXX i received a letter from Tek Collect regarding my account and that it had been sent to them for collections. I called XXXX XXXX on XX/XX/2025 and spoke with XXXX who confirmed my account was current and told me it had accidentally been sent to collections, but she was removing it immediately. I also requested she send me and email, which she did that stated my account was current. I also called Tek Collect and informed them. 
On XX/XX/2025 I received an email from Tek Collect again about my account, asking for payment, but now the balance has gone up. I called XXXX to inquire, but was told XXXX was unavailable and they took my information and said she'd get back to me. Then on XX/XX/2025 I called to inquire again as I never heard back. I was told XXXX was given a post it with my information and she'd get back to me and I needed to stop calling. It is now XX/XX/2025, and I still have not heard back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am filing this complaint because all three major credit bureausTransUnion, XXXX, and XXXXare inaccurately reporting a late payment for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> - Balance : {$0.00} - Past Due : {$0.00} * *. This account was fully paid and current at the time in question, yet it continues to be reflected as having a delinquency that never occurred.

I have previously disputed this item directly with the credit bureaus, but their reinvestigations did not include proper verification or supporting documentation from the furnisher. Instead, I received vague responses claiming the information was verified as accurate, without any evidence of how or by whom the verification was conducted. This approach fails to satisfy the FCRAs requirement for a reasonable and meaningful investigation.

Under 15 U.S. Code 1666 ( b ) and 1681n, credit reporting agencies and furnishers are obligated to ensure that any information they report is accurate and complete. Once a consumer identifies an inaccuracy and requests a correction, they must verify it with actual recordssimply confirming prior data entries is not enough. The continued presence of this false late payment not only violates those obligations but also harms my credit profile by suggesting a payment delinquency that does not exist.

The emotional and financial impact of this false reporting has been significant. It has lowered my credit score and made it harder to qualify for affordable rates and new credit opportunities. I have provided proof of timely payment, and there is no justification for this derogatory mark to remain.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
They try to open a credit card that was approved of XXXX under my name with TD secured card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
Ever since I filed XXXX XXXX bankruptcy, I feel XXXX XXXX XXXX XXXX  here in XXXX Michigan has discriminated against me. When I go to make a simple deposit. I have to wait until they call the corporate offices to OK. Me to deposit money in my account. Sometime this way is an excess of 10 minutes also when Ive called to speak to their. Loss prevention customer service. They have hung the phone up on me several times or I call to be transferred to loss prevention. They asked me my name. No one ever comes to the phone or someone comes to the phone and tells me they will have someone call me back, but no one does. This has just started happening when I filed bankruptcy XXXX XXXXXXXX I feel as Ive been treated as filing bankruptcy is against the law with this financial institution.

Company response to consumer: Closed with explanation