vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: AZ

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Transunion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If Transunion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-09-03 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: CO

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 : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-03 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: CT

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 2025-09-03 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: CT

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
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-03 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-03 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: LA

Complaint narrative:
I am disputing the accuracy and validity of a collection account being reported by XXXX XXXX XXXX. The account is being reported on my credit file with a late payment/collection status that is inaccurate and has not been properly validated.

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 2025-09-03 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: MD

Complaint narrative:
I am filing this complaint because my credit reports contain inaccurate late payment history and false personal identifiers that I have already disputed. These errors remain uncorrected despite the bureaus exceeding the 30-day reinvestigation period required under FCRA 611 ( a ). 

Late Payment Misreporting My XXXX XXXX and XXXX accounts are being reported with XXXX  day late payments even though the accounts show a {$0.00} balance, closed/paid status, and no current delinquency. Reporting an account as both closed/paid and seriously delinquent is contradictory, misleading, and violates FCRA 1681e ( b ), which requires maximum possible accuracy. The bureaus have not provided billing statements, signed contracts, or payment records to substantiate these alleged lates. Instead, they continue to report harmful derogatory data without verification. 

Incorrect Personal Identifiers My reports also show inaccurate personal data including the addresses XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and an incorrect date of birth XX/XX/year>. These identifiers do not belong to me and have no verified connection to any credit relationship. Reporting false identifiers creates a high risk of file mixing, identity fraud, and misattribution of accounts. Under FCRA 609 ( a ) ( 1 ), I have the right to an accurate disclosure of the information in my file, and under FCRA 1681e ( b ), bureaus are required to follow reasonable procedures to assure maximum possible accuracy. The continued presence of these false identifiers demonstrates failure to meet that obligation. 

Because I was a confirmed victim of the Equifax Data Breach, my personally identifiable information is already at heightened risk. The bureaus have a legal duty to apply increased diligence in verifying my personal data and to remove any unverifiable names, addresses, or dates of birth. Their failure to do so after repeated disputes shows negligent or willful noncompliance under FCRA 1681n and 1681o.

The inaccurate late payments and false personal identifiers are causing direct harm to my creditworthiness, lowering my XXXX  scores, reducing approval odds, and creating a risk of fraudulent association. These items must be corrected or permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
- After finish my internet service with XXXX, I returned the equipment ( modem, router and cables ) by XXXX on XX/XX/year> as XXXX indicated me. 
- Additionally, later I received 2 unreturned notice XXXX letters, so I did 3 phone calls to XXXX customer service clarifying and requesting fix the issue with this shipping information. 
At the final of those phone calls, the agents confirmed that this inappropriate charge issue was already documented and would be fixed and eliminated from my account in the next XXXX months. However, it never happened. 

However a month after, I received a phone call and a letter from CREDENCE RESOURCE MANAGEMENT LLC. about this invalid XXXX debt alleging I didn't returned an Internet equipment. So I disputed this debt with them and sent all the proofs about my correct shipping : a ) XXXX  Drop-off package receipt ; b ) Email notification to XXXX receipt ; c ) Package delivery proof in XXXX on XX/XX/year>. 

Even all these attachments and facts proof that I send the equipment, they recently sent me a response letter notifying me the investigation decision is the debt is still valid without mayor explanation or details. They just informed me that worked in coordination with XXXX and verified the charge is valid. 

Also, it is important mention you that I called again recently and the XXXX representative confirmed all these calls and interactions are detailed in their system in my account history, that confirm again this collection investigation and decision was incorrect. This is why I introduce this complaint with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Credit Denial Dispute Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, ZIP : XXXX, California XXXX Phone Number : XXXX Email Address : XXXX Creditor Information Creditor Name : XXXX XXXX Bank XXXX Prosper Marketplace , Inc . 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Complaint Details Subject : Improper Adverse Action Notice and Unlawful Credit Denial Summary : On XX/XX/year>, I received an Adverse Action Notice from XXXX XXXX Bank regarding my credit application for the Prosper Card. The denial cites Prosper Score is too high and vague factors, despite my XXXX of XXXX, which reflects strong creditworthiness. 

Under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B ( 12 CFR 1002.9 ), creditors must provide accurate, specific, and non-misleading reasons for adverse credit decisions. The explanation provided appears arbitrary, inconsistent with standard lending practices, and may constitute noncompliance with federal law.

Additionally, the denial relied on data from XXXX, a consumer reporting agency. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumers have the right to dispute inaccurate, incomplete, or unverifiable information used in credit decisions. The creditors refusal to approve my application despite a prime credit score raises concerns regarding the accuracy and completeness of the data relied upon.

Requested Resolution : 1. Immediate reconsideration and approval of my credit application.

2. Disclosure of Underwriting Criteria : Provide full documentation of all underwriting models, criteria, and data used to render the adverse decision, as required by ECOA Regulation B.

3. Verification of Credit Data : Confirm the accuracy and completeness of any consumer report information furnished by TransUnion under FCRA 609 and 611.

Attachments : Copy of Adverse Action Notice ( dated XX/XX/year> ) Credit score disclosure ( 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 2025-09-03 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: CA

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these 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 2025-09-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Several accounts appearing on my consumer credit report are directly linked to identity theft and were established without my knowledge or written authorization. I have never provided any form of signature, wet or electronic, authorizing the creation of these accounts or their inclusion on my credit file. The fraudulent nature of these accounts has been previously communicated to your organization, yet they continue to appear on my report, causing ongoing emotional distress and substantial financial harm. These unauthorized entries have created significant barriers to achieving legitimate financial objectives, including home ownership and securing credit for my family 's essential needs, while misrepresenting my actual credit history and financial responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I used my Capital One Quicksilver card to purchase a XXXX XXXX XXXX  from XXXX XXXX XXXXXXXX for {$4200.00}. Within XXXX miles, the vehicle suffered transmission failure and stalling. Two licensed shops confirmed that the car had pre-existing defects that should have failed state inspection. Two warranty companies canceled coverageone due to pre-existing damage, and the other due to contract manipulation by the dealer. 

The Bill of Sale includes an AS-IS clause, but the signature is undated, which invalidates the dealers defense. I submitted a legal rebuttal explaining this, along with all supporting evidence. Capital One denied the dispute without reviewing that rebuttal, and later claimed the dispute window had expired even though my original dispute was timely and assigned Case # : XXXX. Their refusal to reopen is procedurally improper and ignores clear evidence of merchant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have updated new evidence for this police report. Another account was opened with criminal using my maiden name ( XXXX XXXX ), XXXX XX/XX/XXXX, and accurate SSN. Collections account opened XX/XX/XXXX. Dates of fraudulent living was XXXX, XXXX, XXXX XXXX. I will need to have this police report updated and emailed to me, as the credit unions and collections agency are requesting an updated police report. 

* Photo of Perpetrator attached * Perpetrator Information provided by personal investigation : False Name : XXXX XXXX, XXXX XX/XX/XXXX and accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last Known Coordinates : XXXX XXXX ' XXXX '', XXXX XXXX ' XXXX '' Cell Number : XXXX Email : XXXX Current fraudulent Account Information ProCollect ( collections company ) Account # : XXXX Amount : {$10000.00}

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