vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: AZ

Complaint narrative:
Equifax is reporting multiple hard inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report when there is a permissible purpose as defined in 15 U.S.C. 1681b ( a ). I requested Equifax to provide the documented permissible purpose, the furnishers certification of purpose required under 15 U.S.C. 1681e ( a ), and the method of verification required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Equifax did not provide this information and failed to demonstrate that these inquiries were authorized or lawful. Retaining hard inquiries without proof of authorization or permissible purpose constitutes a violation of the FCRAs accuracy and reinvestigation duties under 15 U.S.C. 1681e ( b ) and 1681i. These inquiries remain on my report without proper verification, documentation, or consumer authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-12-04 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: NY

Complaint narrative:
CFPB Complaint Illegal Re-Aging of Debt by Portfolio Recovery Associates Subject : Portfolio Recovery Associates Illegal ReAging of Collection Account I am submitting this complaint because Portfolio Recovery Associates ( PRA ) has illegally re-aged an old debt and reinserted it as a new derogatory entry on my credit report. 

Details : Collection Agency : Portfolio Recovery Associates Original Creditor : XXXX XXXX  Alleged Balance : {$2700.00} Account originally delinquished : XXXX First appeared on my credit report : XXXX Disappeared from my report : for multiple years Suddenly reported again as new : XX/XX/XXXX Status shown : Collection / Charge-Off, Derogatory No updated payments or activity to justify a new reporting date Portfolio Recovery has reported this account as if it became newly delinquent in XXXX, despite its true Date of First Delinquency being in XXXX. They are resetting the XXXX reporting period, which is illegal. 

This account has already run its course on my credit file since XXXX and should not be appearing as a recently opened or recently delinquent account. 

Violations This behavior violates the FCRA : FCRA 605 ( a ) They can not extend the XXXX reporting period. 

FCRA 623 ( a ) ( 5 ) Furnishers must accurately report the Date of First Delinquency ( DOFD ). 

FCRA 807 ( 2 ) ( A ) of the FDCPA Prohibits false representation of a debts status. 

Portfolio Recovery also failed to provide : DOFD Charge-off date Last payment date This missing data further confirms improper and misleading credit reporting. 

Harm This illegal re-aging : Caused a significant drop in my credit score Creates a false and harmful credit history Interferes with my financial opportunities Requested Resolution I ask the CFPB to : Investigate this illegal re-aging and reinsertion of a previously expired debt. 

Order immediate removal of this collection account from all credit bureaus : XXXX  XXXX  XXXX  Ensure Portfolio Recovery ceases reporting inaccurate dates or statuses. 

Attachments Screenshot from Transunion showing : Original delinquency year : XXXX Reported date : XX/XX/XXXX Derogatory status Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: CA

Complaint narrative:
Hello, I am escalating my dispute regarding the {$1500.00} in unauthorized ATM withdrawals made from my account. 

XXXX denied my claim, but after that denial, I provided additional evidence specifically my airline ticket receipt proving that I was not in the state of XXXX  when these ATM withdrawals occurred. I was in XXXX, XXXX, and it was physically impossible for me to make these withdrawals. 

Additionally, when I reported the unauthorized activity, I explained that my wallet had been lost, and inside my wallet was a white piece of paper with my PIN written on it, along with my card. Whoever found my wallet had full access to my card and PIN, which explains how the withdrawals were made without needing access to my phone or account logins. 

XXXX has the ability to pull ATM security camera footage from the XXXX locations where these withdrawals occurred. That footage will clearly show that the person withdrawing the funds was not me. This is a critical step in a proper investigation. 

Because my claim was already denied once before this evidence was considered I am concerned that XXXX may deny it again without conducting a full and fair investigation. For this reason, I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure the matter is handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report across the XXXX major credit bureaus Equifax Below is a detailed breakdown of the accounts in dispute : CHARGED OFF : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} CAPITAL XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$310.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX  XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain.

Accounts to Be Deleted : === CHARGE OFF === TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-04 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: GA

Complaint narrative:
This statement is submitted to TransUnion to dispute several items that appear to be inaccurate, incomplete, or unverifiable on my credit report. Upon reviewing my file, I identified outdated personal addresses and discrepancies in the reporting of certain charged-off accounts and payment histories. 

Personal Information Previous Addresses Please remove or update the following inaccurate addresses : XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These addresses are incorrect or no longer valid. 

Previous Name No previous name should appear on my report. Please remove any that may be listed in error. 

Charged-Off Accounts XXXX Acct # : XXXX, Opened XX/XX/XXXX, Balance : {$0.00} This account is showing inconsistently across bureaus. Please verify or delete if unverifiable. 

XXXX  Acct # : XXXX, Opened XX/XX/XXXX, Balance : {$16000.00} Please verify the accuracy of this account. I am disputing ownership and accuracy. 

Inquiries XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) These inquiries were not authorized by me. Please investigate and remove any that can not be validated. 

Late Payments XXXX Acct XXXX : XXXX XXXX Acct # : XXXX I dispute these reported late payments. Please verify or delete them if they can not be confirmed with proper documentation

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 2025-12-04 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: Experian Information Solutions Inc.
State: GA

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
The law firm dismissed the garnishment on XX/XX/year> due to an active fraud investigation, yet still proceeded to garnish my bank account. Continuing collection actions under these circumstances is unlawful and directly violates court orders and consumer protection laws. I am seeking immediate cessation of all collection effors and remediation and a release of any funds currently on hold or improperly taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MS

Complaint narrative:
I am submitting this complaint regarding a debt being reported and collected by XXXX XXXX XXXX for an alleged apartment balance in the amount of {$2600.00} from my former residence at XXXX XXXX, XXXX, TX. 

My move-out date was XX/XX/year>. 

This balance is not for unpaid rent. It was assessed for furniture left inside the unit and alleged damages. I dispute this debt for the following reasons : I notified the landlord prior to move-out that I had undergone a XXXX only XXXX weeks earlier and was medically unable to remove the remaining furniture myself. 

I communicated with the landlord about my medical condition and the circumstances surrounding my move-out. I asked for accommodation or assistance to remove the last items, but instead, I was charged without consideration for the situation. 

I was never provided an itemized list of charges with timestamps, photos, invoices, or repair receipts, as required under Texas Property Code regarding move-out charges and security deposit accounting.

The balance appears inflated and punitive, not limited to actual and reasonable costs of item removal and repairs. 

The debt was sent to collections before documentation was provided or before I had an opportunity to dispute the charges with the landlord. 

I believe XXXX XXXX XXXX has continued to collect on a disputed and unverified debt, which is a potential violation of : Texas Finance Code Chapter 392 Texas Debt Collection Act Fair Debt Collection Practices Act ( FDCPA ) general standards for debt validation I have previously attempted to communicate with the landlord regarding the move-out balance and requested justification for the charges, but I have not been provided with the legally required documentation.

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 2025-12-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 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: FL

Complaint narrative:
I am disputing the following accounts on my Equifax credit report : Charged Off Accounts : XXXX Account No : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
I am disputing the following accounts on my Experian credit report. These items are incorrectly reported or inaccurately show late payments and collections. 

Charged Off Accounts : XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
I am disputing the following entries reported by TransUnion, which I believe to be inaccurate and should be corrected : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Late Payment XXXX 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 2025-12-04 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: 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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-12-04 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: 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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief