vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am experiencing a recurring issue with my credit score due to identity theft. Despite filing a report with the Federal Trade Commission and submitting disputes to the credit bureaus ( XXXX XXXX XXXX XXXX XXXX regarding negative accounts and collections, these items continue to be reported negatively. This persists even after I have provided proof of my identity theft report. Specifically, Portfolio Recovery and XXXXXXXX XXXX have not honored my rights under FCRA compliance, even after I have contacted them and provided evidence of my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
XXXX XXXX and the credit bureaus ( Experian XXXX TransUnion ) are illegally reporting late payments on my auto loan account after it was closed, repossessed, and charged off. The account shows the following timeline : XXXX, XXXX, XXXX, XXXX R ( Repossession ) XXXX months XXXX ( Charged Off ) Reporting late payments or updates after charge-off is factually impossible and constitutes illegal re-aging. This is negatively impacting my credit report and credit score. 
I submitted an initial dispute on XX/XX/2025, regarding this account. The company responded on XX/XX/2025, stating they were still working on the dispute. Today, XX/XX/2025, the dispute has not been resolved, exceeding the XXXX FCRA reinvestigation period ( 1681i ( a ) ( 1 ) ( A ) ).

The account continues to report late payments after repossession and charge-off, which can not be verified. Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverifiable information must be deleted immediately.

I am requesting the CFPB to ensure the following : Immediate deletion of any late payments reported after repossession/charge-off.

Cessation of any ongoing derogatory reporting.

Correction of the Date of First Delinquency ( DOFD ) if needed. 
Written confirmation once the account has been DELETED. 

Below is proof of the previous dispute that I downloaded today as XX/XX/2025 and i added my XXXX and utility bill as proof of identity. 

Please reference the following FCRA violations for this complaint : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ) 15 U.S.C. 1681i ( a ) ( 1 ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Thank you for reviewing my complaint and assisting in ensuring that my credit report reflects accurate and verifiable information. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One and the credit bureaus ( XXXX XXXX XXXX  XXXX are illegally reporting late payments on my auto loan account after it was closed, repossessed, and charged off. The account shows the following timeline : 30, 60, 60, 90 R ( Repossession ) 5 months CO ( Charged Off ) Reporting late payments or updates after charge-off is factually impossible and constitutes illegal re-aging. This is negatively impacting my credit report and credit score. 
I submitted an initial dispute on XX/XX/year>, regarding this account. The company responded on XX/XX/year>, stating they were still working on the dispute. Today, XX/XX/year>, the dispute has not been resolved, exceeding the 30-day FCRA reinvestigation period ( 1681i ( a ) ( 1 ) ( A ) ). 

The account continues to report late payments after repossession and charge-off, which can not be verified. Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverifiable information must be deleted immediately.

I am requesting the CFPB to ensure the following : Immediate deletion of any late payments reported after repossession/charge-off.

Cessation of any ongoing derogatory reporting.

Correction of the Date of First Delinquency ( DOFD ) if needed. 
Written confirmation once the account has been DELETED. 

Below is proof of the previous dispute that I downloaded today as XX/XX/year> and i added my w-2 and utility bill as proof of identity.

Please reference the following FCRA violations for this complaint : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ) 15 U.S.C. 1681i ( a ) ( 1 ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Thank you for reviewing my complaint and assisting in ensuring that my credit report reflects accurate and verifiable information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 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 Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX stoled my Home Depot card and used the entire balance

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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: DailyPay, Inc
State: FL

Complaint narrative:
I started back working with XXXX  XXXX after working for them XXXX through XXXX. I guess I had a balance of XXXX left on daily pay and the phone number that is in n the account is not active anymore and they are not letting me update the phone number until I get paid with XXXX. I get paid tomorrow XXXX but theres no bank account on file and I cant get into the account to add one which means I wont get paid on time. Daily pay told me that they will hold my check until I upload a paystub from XXXX  despite daily pay sending me an email telling me welcome back to XXXX, so they already know that Im backing working there just refusing to allow me to access my account. Which is against the law! Every time I called an employee would talk over me or hang up. No one tried to resolve my issue and they still arent. I told some one from the financial team would contact me and that was Saturday XXXX. Today is XXXX and no one has made any effort to contact me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX  XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX  XXXX XX/XX/XXXX | XXXX  XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX  - XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX  XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX  XXXX XX/XX/XXXX | XXXX  XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX  - XXXX XX/XX/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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Received a message from company claiming to be CCS falsely stating failed attempt of delivering a certificate Mail from a legal firm. Copy of voicemail transcript went as follows This message is intended for XXXX XXXX files number XXXX XXXX XXXX Deliver Just Just call gives you 24 hours as a courtesy hold you can reach the firm directly at XXXX Please provide them with your file number thank you and have yourself a wonderful day however the transcript is not entirely accurate, they stated to be a legal firm trying to verify my personal information for a legal matter. Stating this is the final attempt ( when actually this is the first attempt documented ) regarding a failed certified Mail. When I returned the call they would not tell me what the matter was in regards to without me verifying personal information. I verified only my name and my birthdate and advised I would not be verifying any additional personal Information, that certified mail comes through USPS and there has been no attempts documented via USPS informed delivery. Then they hung up on me. I fully believe this was a phishing attempt, they did not represent a legitimate legal company or the reason for the call or threats of final notice They also left the same exact message on my mothers cell phone voicemail.

This call was made after business hours of legal firms and when I disputed the certified mail attempt they hung up. 


I have received NO letters or documentation of any legal issues They represent in both voice mails to be handling legal issues for the county not specifying what county

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-20 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:
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 2025-11-20 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  model ) and informed the salesperson that the battery warning light was on during the test drive. Instead of properly diagnosing it, I was pressured into buying the vehicle and was told the warning light would go away. Since purchasing the car, I have had to jump the vehicle XXXX separate times, which is a major safety concern. I reported the issue to the dealership multiple times, but they insist there is no battery problem, refuse to properly diagnose the issue, and have not provided any repair or solution. The problem continues, leaving me stranded and causing financial hardship and ongoing inconvenience. Because the dealership had notice of the defect before the sale and has failed to fix it after multiple attempts, this may qualify under the California Lemon Law. I am requesting a full and accurate diagnostic, proper repair or replacement of the battery system at no cost, written acknowledgment of the defect, and compensation for the hardship this ongoing issue has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Due to my debit card fraud, I had to follow up plans, almost reversals on my account they said they couldnt get the reverses off my account due to no reason.

Company response to consumer: Closed with explanation