vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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:
Subject : Credit Report Dispute Incorrect Account Information ( XXXX XXXX, last XXXX SSN : XXXX ) To Whom It May Concern : I am writing to dispute inaccurate information on my credit report. I recently obtained a copy of my credit report and discovered a significant error regarding my mortgage account. The credit bureaus continuously report incorrect data/information on my credit and to this date, have not corrected or deleted incorrect information since my dispute dtd XX/XX/XXXX ( more than XXXX  days ). This violates my rights as a consumer and I request you enforce the law under FCRA and demand they delete all disputed incorrect information on my credit report. 

Specifically, my mortgage account with XXXX XXXX  is incorrectly listed as a * * revolving * * account, when it is, in fact, an * * installment * * loan. The account number is [ Mortgage Account Number starting with XXXX * * * * ]. This incorrect classification is negatively impacting my credit score by artificially inflating my credit utilization ratio. 

This account clearly shows a fixed payment schedule and loan term characteristic of an installment loan, not a revolving credit account. 

I request that you investigate this matter thoroughly and have the credit bureaus correct or delete the account type to accurately reflect its status as an installment loan. I also request a corrected/updated copy of my credit report be sent to me upon completion of their investigation.

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 2025-10-30 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I recently applied for the XXXX Credit Card after being informed that, upon approval, I would receive XXXX  % off my purchase made the same day. During the application process, I encountered an error message. When I attempted to reapply, I received a notification stating that I already have a card. However, I have not received any confirmation emails or details regarding an approved account. 

I contacted XXXX customer service and was advised to reach out to the card issuer. Upon doing so, I was informed that I must wait up to XXXX weeks for resolution. I also requested that my account be completely wiped, as though it had never been opened, but was told that this could not be done. 

At this point, I am unable to access the promotional discount that was offered and advertised at the time of application. I would appreciate your assistance in resolving this matter and ensuring that I receive the XXXX  % discount as originally promised or making it like I never opened the account. 

Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: AZ

Complaint narrative:
This company makes upgrading plans sneaky and charges immediately, then you are not approved for even {$100.00}. 
I was very upset and the representative was unknowledgeable regarding my account being deactivated or not, all communication being done via text only. 
Today XX/XX/year> I go in to take a look at the app, and once again they made the process to reactivate a sham, as soon as you log in yuor account is reactivated and set for billing. 
To deactivate your account is significantly more difficult than it is to upgrade your plan from XXXX up to XXXX. 
They have your deactivating options in small fine print and XXXX wrong click to the huge blue bubble text sends you right back to the main page, and again you have to recommence their XXXX process to deactivate your account. 
These practices are unethical and predatory.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
I request the immediate collection ( s ) against me with this agency, as the account ( s ) are PAID IN FULL. Please respond back to my Consumer Financial Protection Bureau accordingly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid off XXXX accounts with Capital One and they all have credit balances. I called when they were XXXX  paid off and they said it would take XXXX billing cycles for me to get the credit balance checks cut to me. Now they are saying longer. These accounts have been closed for for quite some time and have been paid off since XXXX of XXXX. They owe me over XXXX between all three accounts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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 writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 
Charged Off : XXXX XXXX - XXXX Date : XX/XX/year> | Amount : {$9600.00} Inquiries : No current inquiries listed for dispute. 

Late Payments : XXXX XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I am writing as a consumer attempting to correct inaccuracies on my credit report. I respectfully request that Equifax conduct a thorough investigation into the following accounts, as I believe some of the information being reported is inaccurate, incomplete, or unverifiable. Please correct or delete any data that can not be verified in full compliance with the Fair Credit Reporting Act ( FCRA ).

Accounts in Dispute Charged Off XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} XXXX XXXX  XXXX XX/XX/XXXX {$850.00} XXXX XXXX XX/XX/XXXX {$520.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-30 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: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I am writing to dispute certain accounts that appear on my credit report. These accounts are old and/or inaccurate and should no longer be reported.

Specifically, the accounts in question contain outdated information that is beyond the reporting period allowed under the Fair Credit Reporting Act ( FCRA ), or they do not accurately reflect my payment history and current status.

I request that these items be investigated and removed or corrected as appropriate.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reaching out and I'd like to file this complaint regarding the re-insertion of an account on my credit report by Experian. The account in question is the XXXX XXXX account number XXXX. I previously disputed this account on XX/XX/year>, and requested a new report on XX/XX/year>, at which time this account was as deleted and not reported. However, upon requesting another report on XX/XX/year>, I was shocked to find that the same account was reinserted without any notification, supporting documents, or any letter explaining why this account was added back to my file.

I did not receive any notice about the reinsertion, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires that the consumer be notified within five business days of any account being reinserted into their file. To make matters worse, this was done without providing certification of accuracy, which is required under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). I was left with no explanation or supporting documents to verify the accuracy of this reinserted account.

This action is not only frustrating but raises serious concerns about the integrity of the investigation process. How can a consumer trust an investigation when the process isnt even clear or verifiable from the start? It feels like theres no accountability, and its hard to see how this meets the standards for maximum possible accuracy as required by 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies report accurate and complete information. How could they reinsert an account without proving any documents and verify the account?

Under 15 U.S.C. 1681i ( a ), I am requesting AGAIN that a reasonable reinvestigation be conducted, as required by the law. I am also demanding the immediate permanent deletion of this account from my credit report. If they intend to continue reporting this account, I am requesting that they SHOULD PROVIDE supporting documents, including proof of permissible purpose for reinsertion, verification of the account, and my wet signature. I am truly disappointed with how this has been handled and Im reaching out to the CFPB because I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. I need this resolved so that my credit report reflects accurate and verifiable information. I expect the necessary action
s to be taken to ensure the integrity of my report.

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 2025-10-30 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: AL

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains information that I believe is inaccurate or unverifiable. I am requesting a reinvestigation of the following items in accordance with the Fair Credit Reporting Act ( FCRA ) 611.

Charged-Off Account in Dispute XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$18000.00} This account appears to be outdated and may have exceeded the seven-year reporting period allowed under FCRA 605 ( a ). I request verification of the accounts accuracy and validity. If the information can not be verified directly with the original creditor, I ask that it be removed.

Inquiry in Dispute XXXX  Date : XX/XX/XXXX I do not recall authorizing this inquiry. I request Equifax to confirm it was made with a permissible purpose under FCRA 604 ( a ) and with my consent. If not, I request that this inquiry be deleted.

There are no late payments or positive account disputes at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-30 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:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-30 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
Subject : Request for Investigation Inaccurate Repossession Reporting Dear TransUnion, I am writing to formally dispute an account appearing on my credit report that contains inaccurate and inconsistent information. 
Account Name : XXXXXXXX XXXX XXXX  Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX  Upon review, the account is listed as Derogatory with a status of Repossession, even though the balance shows {$0.00} and payment after repossession was made. According to the Fair Credit Reporting Act ( FCRA ) 607 ( b ), all information reported must be accurate and complete.

I am requesting verification of the following : The accuracy of the Derogatory status, since the account was paid and settled.

The validity of the Repossession comment given the balance is {$0.00}.

The accuracy of the Last Reported date ( XX/XX/year> ) to ensure it is not re-aged beyond the original delinquency date.

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 2025-10-30 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 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Summary of Complaint : Portfolio Recovery Associates is reporting and/or attempting to collect a credit card account that I never authorized or signed for. I have never entered into any contract or agreement with Portfolio Recovery Associates, nor have I received proof that they legally own or were assigned any debt associated with my name or credit file.

This alleged account appears on my credit report and is being reported as a collection even though I never had any direct relationship or signed agreement with this company.

Under 15 U.S.C. 1692g ( b ) ( FDCPA 809 ( b ) ), a debt collector must provide written verification of a debt before continuing any collection or reporting activities. Portfolio Recovery Associates has failed to provide any such validation, including : A copy of the original signed contract or agreement creating the alleged obligation.

A complete chain of assignment showing legal ownership from the original creditor to Portfolio Recovery Associates.

An itemized accounting of the alleged balance.

Despite this, they continue to report the account to credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Relevant Laws Being Violated FDCPA 807 ( 2 ) ( A ) Prohibits false representation of the character or legal status of a debt.

FDCPA 809 ( b ) Requires debt validation upon consumer request before further collection or reporting.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires credit bureaus and furnishers to maintain maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

FCRA 611 ( a ) Requires deletion of unverifiable information after investigation.

I am requesting that the CFPB investigate Portfolio Recovery Associates for : Failing to provide lawful validation of the alleged debt.

Continuing to report unverifiable, inaccurate information to credit bureaus.

Violating the FDCPA and FCRA by engaging in false or misleading collection practices.

Company response to consumer: Closed with non-monetary relief