vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover decided to close my account and charged off/write off debt in doing so I was never provided a 1099-c as proof of this claim. They have reported this action on my credit report fraudulently as result. I would like for them to be investigated for committing this type of Fraud as well as this be removed from all records do to y j is not being done lawfully. I appreciate CFPB assistance on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-04 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: SC

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAVE FRAUDULENT ACTIVITY.

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 2025-08-04 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 explanation
Consumer complaint received 2025-08-04 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I noticed a collection account on my credit report from XXXX. I have never done business with. According to the credit report, the account was opened XX/XX/year>, with a balance of {$860.00}. I did not apply for or authorize this account, and I have never received any statements, cards, or communication regarding this debt prior to its appearance on my credit report. 

Upon seeing the account, I submitted a dispute, because the account was opened fraudulently, with the credit bureaus and reached out to the reporting companies. In XX/XX/year>, I was informed the account had been deleted from my credit report. Instead, the account had been sold to a third-party collection agency. Despite this, I never received any prior notice or opportunity to verify the debt. 

I'm filing a complaint with the CFPB, and as a result, I would like the collection agency to cease collection efforts and remove the tradeline from my credit report. However, I still dispute the legitimacy of this debt and request full validation, including proof that I opened the account and authorized the charges. 

This has negatively impacted my credit and caused unnecessary stress. I am requesting a full investigation and permanent removal of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Transunion

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 2025-08-04 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-08-04 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: SC

Complaint narrative:
I've submitted a Method of Verification request to Experian who did not provide the requested information exercising my right under 15 U.S.C. 1681 i ( a } ( 6 } ( B } ( iii }.

1 ) The method used to verify the information 2 ) The name, address, and phone number of the furnisher of the information with whom verified the account.

I've also submitted request for FULL verification with supporting documents. ( see attached request ) Rather they simply responded with a verified status not fulfilling the request. 

I've also sent certified trackable letter to the creditor XXXX XXXX asking for verifiable documentation who failed to respond completely ignoring the request. ( see attached request )

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Associates is inaccurately reporting a collection account on my XXXX  credit report as opened on XX/XX/XXXX. This is factually incorrect. This account was originally opened with XXXX XXXX in or around XXXX. I am the original account holder and still have the physical XXXX XXXX credit card with an expiration date of XXXX making it impossible that this account was opened in XXXX. 

I also have XXXX XXXX screenshots showing the correct original open date and the last XXXX digits of the account. Reporting a new Date Opened of XXXX by Portfolio Recovery appears to be a violation of the FCRA, as it may be an attempt to re-age the debt to extend how long it remains on my credit report. 

I have disputed this with XXXX, and they claim the account has been verified as accurate. However, they failed to correct the date or explain how the information was verified. I have now requested a Method of Verification from XXXX and am submitting this CFPB complaint to escalate the matter and prevent further harm to my credit. 

I am requesting : - That Portfolio Recovery Associates correct the Date Opened to reflect the true original account date ( XXXX ) - That XXXX updates or deletes the account accordingly Supporting documentation is available upon request. Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB Complaint Narrative Unauthorized Reinsertion of XXXX XXXX XXXX XXXX Account I am filing this complaint regarding an unlawful reinsertion of a XXXX XXXX XXXX XXXX account ( Account No. XXXX ) on my credit reports with TransUnion, Experian, and Equifax. This account was previously deleted from all three bureaus following my formal disputes, as confirmed in my consumer disclosures dated XX/XX/XXXX. 

However, in XX/XX/XXXX, I discovered that this same account had been reinserted on all three reports without compliance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

Violation of FCRA 611 ( a ) ( 5 ) ( B ) : Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when a credit bureau reinserts previously deleted information, two conditions must be met : The furnisher must provide written certification of accuracy.

The consumer must receive written notice within five ( 5 ) business days of reinsertion, including the name, address, and phone number of the furnisher.

None of the bureaus provided me with the required written notice. I have also not been shown any written certification from XXXX XXXX verifying the accounts accuracy. This is a direct violation of federal law. 

Identity Theft Considerations FCRA 605B : I have an active FTC Identity Theft Report ( Report No. XXXX ) and have formally notified the bureaus that I am a victim of identity theft. Under FCRA 605B, any fraudulent account related to identity theft must be blocked and removed, and reinsertions are prohibited without proper verification and notice. 

Evidence Provided : XX/XX/XXXX credit bureau reports showing deletion of the XXXX XXXX account. 

XX/XX/XXXX credit bureau reports showing unlawful reinsertion. 

Proof that no written reinsertion notices were provided. 

FTC Identity Theft Report confirming fraudulent activity. 

Impact : These unauthorized reinsertions have caused harm to my credit standing, interfered with my financial stability, and created ongoing stress as I continue to address fraudulent accounts that should have been permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: Self Financial Inc.
State: GA

Complaint narrative:
I have made multiple documented attempts to dispute inaccurate, outdated, or unverifiable information listed on my credit reports with all three major credit bureaus concerning the following account : XXXX XXXX XXXX  Account # XXXX ( Issue may include a duplicate account, unverifiable charge-off, or identity theft-related item. ) Despite providing formal dispute letters and all required supporting documentation, the credit bureau ( s ) and/or the data furnisher have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 

Violations Include the Following : Failure to conduct a reasonable reinvestigation of disputed information ( FCRA 1681i ) Improper verification procedures, relying on unverifiable or automated systems ( e.g., XXXX ) instead of direct confirmation with the original creditor ( FCRA 611 ( a ) ( 2 ) ( B ) ) Reinsertion of previously deleted information without the required notice to the consumer ( FCRA 611 ( a ) ( 5 ) ( B ) ) Failure to provide the method of verification upon written request ( FCRA 611 ( a ) ( 7 ) ) Knowingly or negligently reporting inaccurate or incomplete information ( FCRA 623 ( a ) ( 1 ) ( A ) ) Lack of documented permissible purpose or privacy safeguards to hold or reinsert disputed data ( FCRA 604, Privacy Act of 1974, and 12 CFR 1022.142 ) Supporting Documentation Submitted Includes : Government-issued ID Proof of current address FTC Identity Theft Report and/or Police Report ( where applicable ) Highlighted copies of the credit reports identifying the disputed entry Continued Failures by the Credit Bureaus/Data Furnisher : They have not provided sufficient verification from the original creditor They have not proven any permissible purpose for reinsertion or continued reporting They have not ceased reporting false, outdated, or duplicated account information Unauthorized Inquiries on All Three Bureaus ( Not Initiated or Authorized by Me ) : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and constitute a further violation of the Fair Credit Reporting Act, specifically FCRA 604 ( a ) ( 3 ) regarding the permissible purpose of accessing a consumer 's credit file. 

Requested Relief : I am requesting the immediate deletion of the disputed XXXX XXXX XXXX  account and the removal of all unauthorized inquiries listed above from my credit reports. Additionally, I request that the CFPB investigate these ongoing violations and ensure compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
I found a collection account and inquiries on my account that dont belong to me.

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 2025-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), I request validation of these debts, including the signed contract and explanation of why I owe this debt. Please investigate and remove the following negative accounts and hard inquiries, as I do not recognize them or believe they are inaccurately reported : Negative Accounts : - CAPITAL ONE, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( Late payments reported ) - XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( Collection, {$980.00} ) Hard Inquiries : - XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX Please complete your investigation within 30 days and send me the updated results. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AZ

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 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I purchased a vehicle and warranty through Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 
The vehicle engine blew within 14 months. The vehicle is under warranty. Credit Acceptance advised me that there is nothing that they can do. If I returned the vehicle or do not continue to pay for the vehicle it will ruin my credit as a voluntary repossession. I have not had the vehicle since XX/XX/year>. The same day I made my car payment the vehicle died in traffic

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 2025-08-04 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: CT

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 2025-08-04 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: NY

Complaint narrative:
I pay my bills on time but my score keeps going down. I dont think they're calculating correctly. Something isn't right

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint because Equifax is currently not reporting a credit score for me. I have open and active credit accounts that are reported to the other credit bureaus, and I believe this may be an error or omission by Equifax. I request an investigation into why my credit score is missing and that Equifax provide a full update or explanation. Please verify all of my credit data and ensure my file is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AR XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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