vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion are all reporting inaccurate account information for my XXXX  and XXXX  accounts, and despite my formal disputes and attempts to correct the errors, each bureau has continued to maintain reporting that does not reflect the true history of how these accounts were handled. Experian is currently reporting my XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, last activity XX/XX/XXXX ) with late payment entries showing 60-day lates in XX/XX/XXXX and XX/XX/XXXX, along with 90-day lates for XXXX, XXXX, XXXX, and XX/XX/XXXX, which is inaccurate and misrepresents the manner in which I fulfilled my agreement with the creditor. Equifax is reporting a different set of late entries for the same XXXX  account ( opened XX/XX/XXXX, last activity XX/XX/XXXX ), showing 30-day lates in XXXX and XX/XX/XXXX and XX/XX/XXXX, along with a 60-day late for XX/XX/XXXX again inconsistent with the true payment history and not reflective of payments made as agreed. TransUnion is also reporting inconsistent and inaccurate delinquencies for the same XXXX  account ( opened XX/XX/XXXX, last activity XX/XX/XXXX ), showing a 30-day late in XX/XX/XXXX, XXXX lates in XX/XX/XXXX and XX/XX/XXXX, and 90-day lates for XXXX through XX/XX/XXXX. All three bureaus are displaying different late-payment patterns for the same account, which clearly indicates conflicting data and inaccurate furnishing. Additionally, for my XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which was opened on XX/XX/XXXX with last activity on XX/XX/XXXX for Experian, XX/XX/XXXX with last activity on XX/XX/XXXX for Equifax, and XX/XX/XXXX with last activity on XX/XX/XXXX for TransUnion, the account is closed with a XXXX balance yet is still being reported with late-payment information that does not represent the accurate closing status of the account and does not reflect that it was paid as agreed. These issues violate multiple sections of the Fair Credit Reporting Act, including FCRA 611 ( 15 U.S.C. 1681i ), which requires the credit bureaus to conduct a reasonable reinvestigation of disputed information ; FCRA 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate information ; FCRA 623 ( b ), which mandates that furnishers conduct an investigation upon receiving notice of a dispute ; and FCRA 602, which establishes Congresss requirement for maximum possible accuracy in consumer reporting.

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 2025-11-29 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: AL

Complaint narrative:
An account that does not belong to me is being reported under my name, indicating my credit file has been improperly mixed with another persons information. I never opened, authorized, or used this account, and its presence on my report is a serious and unacceptable misrepresentation of my financial history. This mixed-file error has caused me significant concern and stress, and I take the accuracy of my credit profile very seriously.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am experiencing significant issues with inaccurate and unverified credit reporting across multiple credit bureaus. The primary issues involve duplicate derogatory entries, unverifiable debts, and outdated charge-offs, which have not been corrected despite previous disputes. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2.

The erroneous credit data has severely impacted my ability to secure loans at favorable rates, potentially affecting employment and housing opportunities. The failure of the credit bureaus and furnishers to rectify these errors despite being notified has exacerbated my financial and personal distress. 

XXXX Account # : XXXX [ TransUnion, Equifax, Experian ] Issue : Duplicate derogatories and unverifiable debt.

Violation ( s ) : FCRA 1681e ( b ), 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
" According to FCRA Section 605B it is illegal to report anything on my credit report without my permission.

15 us code 1666, 1666 b for late payments 15 us code 1692 g for collections 15 us code 1681 c 2 for charge offs 15 us code 1681 for Hard inquiries

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management is associated with the XXXX XXXX XXXX XXXX XXXX account, which was sold or transferred according to bureau reporting. I disputed this account, and Midland provided no documentation proving ownership, assignment, balance, or chain of title. No contract, no bill of sale, and no account records were provided. This violates FCRA section 611 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 6 ), and section 611 ( a ) ( 7 ). Inconsistent reporting across bureaus violates section 607 ( b ). Midland violated section 623 ( b ) ( 1 ) ( A ) and section 623 ( b ) ( 1 ) ( D ) because it failed to conduct a reasonable investigation. Under federal rulings including XXXXXXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, unverifiable accounts must be removed. 


I requested the complete method of verification, including all documents required under FCRA 611 ( a ) ( 2 ) and 611 ( a ) ( 7 ), investigation logs, e-Oscar audit trail, source data used to verify accuracy, permissible purpose documentation for all inquiries under FCRA 604 ( a ), full account-level documentation under FCRA 623 ( a ) ( 1 ) ( A ), and all records substantiating the reporting, including contracts, payment history, repo notes, and any documents used to verify the information they are furnishing. nothing was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized and inaccurate hard inquiries appearing on my credit reports from TransUnion and Experian. The inquiries from XXXX XXXX ( XX/XX/2025 ), XXXX XXXX ( XX/XX/2025 ), XXXX XXXX XXXX ( XX/XX/2025 ), and XXXX XXXX XXXX ( XX/XX/2025 ) were not initiated or authorized by me, yet they are negatively affecting my credit profile. These entries violate FCRA XXXX ( a ), which requires a permissible purpose for all hard pulls, and FCRA 611, which gives me the right to dispute inaccurate or unauthorized inquiries. Additionally, these inquiries exceed the reporting limits and include outdated information under FCRA 605 ( a ) and 605. Despite my attempts to dispute these directly with the bureaus, the inquiries remain on my credit report, causing financial harm, stress, and potential barriers to obtaining credit. I request a formal review of the reporting practices of these entities and the bureaus compliance with federal 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian has once again failed to comply with the Fair Credit Reporting Act regarding my reopened dispute. On XX/XX/2025, Experian marked my reinvestigation as complete, yet refuses to provide the legally required dispute results, instead displaying a message stating that the results are currently not available online. This is not a permissible response under FCRA 1681i or 1681g. When a reinvestigation is completed, Experian is required to immediately provide written results, an updated report, and the furnishers verification or response. None of this was provided to me. Experian also claims they forwarded my evidence to the furnisher and instructed them to review and respond, yet Experian provided no results, no updated report, and no explanation whatsoever. This strongly suggests that Experian either did not conduct a meaningful reinvestigation or is intentionally withholding required disclosures. This is now the second time Experian has mishandled this dispute, creating a pattern of denying or closing disputes without proper investigation. The inaccurate XXXX account remains on my report and is causing financial harm, and Experians noncompliance prevents me from understanding whether any verification was even performed. I am requesting CFPB intervention to require Experian to provide the full results of the reinvestigation, provide the furnishers response, complete a lawful reinvestigation if none was conducted, and address this pattern of withholding dispute results in violation of the FCRA.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Called bank to close the account, whom said that they could not close the account or stop the ACH withdrawals. So my account has been over drawn. And they continue to charge me a {$29.00} dollar over draw fee, after calling in several times. Absolutely ridiculous!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates XXXXXXXX XXXX  XXXX RE : Dispute and Validation Request for Account # XXXX This letter functions as a dispute and demand for verification for the referenced account. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting complete and thorough validation of this account. Please supply the following documentation : A copy of any original signed agreement or contract establishing responsibility for this debt. 
Proof that your organization has legal authorization to collect or report this account. 
A full itemized accounting of all charges, fees, payments, and interest applied to the account. 
Documentation showing rightful ownership or transfer of the debt, if applicable. 
Until proper validation is provided, all reporting and collection efforts must cease as required by federal law. If you are unable to verify this account, it must be removed from all credit reporting agencies immediately. 
Thank you for your prompt attention to this matter. This issue affects my credit standing and requires urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  # XXXX - Balance : {$29000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$4600.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Beginning on XX/XX/year>, I experienced numerous fraudulent charges on my Chase XXXX XXXX credit card. While the fraudulent transactions have since been corrected, the serious issue involves how my fraud case was handled by XXXX XXXX XXXX Department. 

On the initial fraud call, I spoke with an XXXX Fraud XXXX XXXX who told me directly that XXXX had pushed back on several of my disputed charges, suggesting that XXXX was refusing to remove them. This was presented as a factual explanation for why multiple fraudulent charges remained unresolved. 

Later, another Chase representative confirmed that this explanation was false, and a XXXX  acknowledged that there had been no pushback from XXXX whatsoever. This means the information provided to me by the XXXX XXXX XXXX XXXX was not just inaccurate it was knowingly false and delivered with authority during an active fraud investigation. 

In the days following, I received repeated template-style replies through secure messages that did not address the substance of my concerns and appeared to be attempts to close the matter without accountability. Only through persistent pressure did my case escalate to a XXXX. Even now, I have not received the outcome of the call review that I specifically requested. 

As a long-time premium cardholder paying a {$450.00} annual fee for XXXX XXXX XXXX XXXX XXXX XXXX expect professionalism, honesty, and integrity. Instead, I was given false information by an XXXX Fraud  XXXX XXXX, brushed aside by templated responses, and denied the transparency and resolution I requested. This conduct violates Chases own Code of Conduct and represents a serious breach of trust during an ongoing fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MO

Complaint narrative:
I disputed a charge on my XXXX credit card account ending in XXXX because I believed it was incorrect. XXXX did not provide documentation validating the charge and did not provide written findings of any investigation as required under the XXXX XXXX Billing Act ( FCBA ). Despite the account being in dispute, XXXX continued billing me, added late fees, and reported late payments. 

During this unresolved dispute, XXXX ( or its representative ) threatened wage garnishment, even though no court judgment existed. This threat was false, coercive, and caused me to agree to an {$18000.00} settlement on a {$30000.00} balance under pressure. I only accepted the settlement because I believed my wages were at risk. 

All negative information on my credit reports including late payments and a charge-off resulted from XXXX  mishandling of the billing dispute and the coercion used to force a settlement. These negative items are inaccurate and unfair. 

On XX/XX/year>, I disputed the reporting with Experian, Equifax, and TransUnion by certified mail. I received no valid XXXX XXXX XXXXXXXX from any bureau, and the negative reporting remains. The credit bureaus did not conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB require XXXX and the credit bureaus to remove all late-payment notations and the charge-off, correct the inaccurate reporting, and provide proper documentation supporting any information they choose to continue reporting.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed a charge on my XXXX credit card account ending in XXXX because I believed it was incorrect. XXXX did not provide documentation validating the charge and did not provide written findings of any investigation as required under the XXXX XXXX Billing Act ( FCBA ). Despite the account being in dispute, XXXX continued billing me, added late fees, and reported late payments. 

During this unresolved dispute, XXXX ( or its representative ) threatened wage garnishment, even though no court judgment existed. This threat was false, coercive, and caused me to agree to an {$18000.00} settlement on a {$30000.00} balance under pressure. I only accepted the settlement because I believed my wages were at risk. 

All negative information on my credit reports including late payments and a charge-off resulted from XXXX  mishandling of the billing dispute and the coercion used to force a settlement. These negative items are inaccurate and unfair. 

On XX/XX/year>, I disputed the reporting with Experian, Equifax, and TransUnion by certified mail. I received no valid XXXX XXXX XXXXXXXX from any bureau, and the negative reporting remains. The credit bureaus did not conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB require XXXX and the credit bureaus to remove all late-payment notations and the charge-off, correct the inaccurate reporting, and provide proper documentation supporting any information they choose to continue reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: NC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation