vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am filing this complaint because the furnisher XXXX  and the credit bureaus are reporting false, inconsistent, and contradictory information regarding an alleged collection account I do not recognize or validate. 

The reporting contains multiple FCRA violations, including : 1. Impossible and Contradictory Dates The account shows : Date Opened : XX/XX/year> & XX/XX/year> Date Last Active : XX/XX/year> & XX/XX/year> These dates reflect activity in the future, which is impossible and demonstrates that the furnisher is not maintaining accurate records as required under 15 U.S.C. 1681e ( b ).

2. The Bureaus Are Reporting Different Information TransUnion : Account information disputed by consumer, meets FCRA requirements.

Experian : Customer disputed account reported by subscriber.

Equifax : No reporting at all, meaning the furnisher is not reporting the same data across bureaus, violating the Metro-2 standard of uniformity and FCRA 623 ( a ) ( 1 ) ( duty to report accurate information ).

3. No Proof This Account Belongs to Me There is : No contract No validation No evidence of ownership No signed agreement No proof the debt exists or is legally collectible A furnisher must investigate fully under FCRA 623 ( a ) ( 8 ) and provide supporting documentation. They have not done so.

4. Status Codes Are Contradictory The account is listed as : Collection/Charge-off Derogatory Disputed Yet no supporting evidence, billing history, or validation exists. Reporting a charge-off while simultaneously reporting open derogatory status is data fabrication and violates FCRA 1681s-2 ( b ) ( duty of proper investigation ).

5. No Last Payment and No Monthly Payment A legitimate collection account must show : Original balance Payment history Last payment date Date of first delinquency This account shows none of the required fields.

This violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) because incomplete and unverifiable data is being furnished. 



WHY THIS MUST BE CORRECTED The data is : Inaccurate Unverifiable Incomplete Not consistent between bureaus Not capable of being validated Reported with impossible future dates This reporting has caused damage to my credit profile and is preventing me from obtaining fair credit opportunities, violating the Equal Credit Opportunity Act and FCRA 602 ( A ).

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 2025-11-15 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: TX

Complaint narrative:
These accounts do not pertain to me ; they require removal within 15 days following USC 1681g.

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 2025-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
I am filing this complaint because Relay mishandled my Regulation XXXX dispute regarding unauthorized duplicate charges made by High XXXX XXXX XXXX totaling {$1400.00}. 

These identical High XXXX Games charges were deducted from multiple accounts I own, including Relay, XXXX, XXXX XXXX XXXX XXXX. This shows the transactions were duplicate unauthorized debits, not authorized purchases. 

Both XXXX and XXXX already investigated the same charges and refunded me, confirming these transactions were unauthorized. Relay is the only financial institution refusing to comply. 

Relay also repeatedly claimed they did not receive my dispute documents, even though I have fax confirmation receipts proving successful delivery. This appears to be intentional delay or mishandling. 

When I attempted to escalate my dispute over the phone, I was placed on hold for XXXX minutes, hung up on, and treated rudely. Representatives refused to provide identification or escalate me to a supervisor. This behavior obstructs my ability to resolve the dispute. 

Relays denial letter states no error occurred but provides no evidence. They have refused to provide the documents they supposedly used to deny my claim. Under Regulation XXXX, the bank must provide provisional credit within XXXX business days unless they can prove authorization, which they have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates has completely failed to provide any legally required debt validation after I disputed this account, and instead they mailed me nothing but a basic internal letter/invoice with no original creditor information, no contract, no itemized balance, no payment history, no proof of ownership, and no chain of title, which violates FDCPA 809 ( b ) because a collector must stop collection and furnish real validationnot an internal pay us notice. They are also reporting this same debt under TWO different account numbers ( XXXX and XXXX ), which creates duplicate, inconsistent, and inaccurate reporting across the credit bureaus and violates XXXX XXXX standards for data accuracy, completeness, and consistency. This type of behavior is well-documented in numerous lawsuits and CFPB enforcement actions filed against Portfolio Recovery Associates for attempting to collect debts without proper documentation, misrepresenting account information, and reporting inaccurate or duplicated tradelines. Under FCRA 611 ( a ), they were required to properly verify the accuracy of this account with the bureaus, but they furnished NO verification, NO documentary proof, and NO method of verification, all while continuing to report the account with multiple, conflicting identifiers. The fact that they sent me even a generic invoice proves they received my dispute, yet they ignored the law and continued reporting, which makes this a factual dispute and a violation of the FDCPA, FCRA, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Kindly go through the included materials ; the questions appeared abruptly and might not have approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: KS

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Reporting Bridgecrest ( Acct XXXX To Whom It May Concern, I am disputing inaccurate and conflicting information 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 2025-11-15 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:
Review the given documents ; the questions were submitted abruptly and may not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I have had XXXX previous complaints filed with the CFPB but went nowhere due to XXXX and XXXX XXXX stating it is the Department of Education that makes decisions. So I wanted to make sure that this complaint is with the Department of Education. 
First, I am trying to get accurate payment counts because I am wanting to buyback those months that were in forbearance. I have requested this months and months ago but have received emails that state they are still working on it. This is time sensitive because I want to get to my XXXX payments to apply for forgiveness. I feel they are stalling to get me this information and feel this is the only way I can get their attention to this matter. I am already in the system at the Department of Education and will supply any emails or communication that is needed.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-15 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Experian Credit Report : Original creditor : XXXX XXXX XXXX  Balance : {$16000.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$840.00} Date Opened : XX/XX/XXXX Account number : XXXX Equifax Credit Report : Original creditor : XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$840.00} Date Opened : XX/XX/XXXX Account number : XXXX TransUnion Credit Report : Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$840.00} Date Opened : XX/XX/XXXX Account number : XXXX  Original creditor : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX  Balance : {$16000.00} Date Opened : XX/XX/XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Experian Credit Report : Original creditor : XXXX XXXX XXXX  Balance : {$16000.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$840.00} Date Opened : XX/XX/XXXX Account number : XXXX Equifax Credit Report : Original creditor : XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$840.00} Date Opened : XX/XX/XXXX Account number : XXXX TransUnion Credit Report : Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$840.00} Date Opened : XX/XX/XXXX Account number : XXXX  Original creditor : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX  Balance : {$16000.00} Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-15 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 hold no link to these accounts ; they must be removed in XXXX  days as required by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX amount {$1300.00} i did not open this account. identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
XXXX XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of all of those attaached in FTC as well as dispute letters. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-15 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: MD

Complaint narrative:
XXXX XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of all of those attaached in FTC as well as dispute letters. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing a complaint because the credit bureaus are reporting accounts inaccurately. These accounts were opened/affected during a documented XXXX  XXXX situation. 

I have already requested verification and correction through the credit bureaus, and they have failed to properly investigate under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19000.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off XXXX XXXX {$400.00} Collection These accounts do not reflect my actual responsibility, access, or authorization due to the circumstances of XXXX  XXXX and XXXX  XXXX. I am requesting CFPB assistance in requiring the credit bureaus to : Properly investigate, Remove or correct the inaccurate information, and Provide written confirmation of the results. 

I can provide documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AZ

Complaint narrative:
I am filing a complaint because the credit bureaus are reporting accounts inaccurately. These accounts were opened/affected during a documented XXXX  XXXX situation. 

I have already requested verification and correction through the credit bureaus, and they have failed to properly investigate under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19000.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off XXXX XXXX {$400.00} Collection These accounts do not reflect my actual responsibility, access, or authorization due to the circumstances of XXXX  XXXX and XXXX  XXXX. I am requesting CFPB assistance in requiring the credit bureaus to : Properly investigate, Remove or correct the inaccurate information, and Provide written confirmation of the results. 

I can provide documentation if needed.

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 2025-11-15 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sparrow Financial, Inc.
State: FL

Complaint narrative:
XXXX to XX/XX/XXXX amount {$700.00} i did not open this account. Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to report some items on my credit report that appear to be incorrect or do not belong to me. These items are affecting my credit, and I would like help to get them corrected.

Here are the accounts I am disputing : XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$1200.00}, Charge-off I do not recognize this account. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00}, Late Payment I have never missed a payment. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$50.00}, Charge-off I do not recognize this account. 

XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$0.00}, Charge-off I do not recognize this account. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00}, Charge-off I do not recognize this account. 

DEPT OF EDUCATIONXXXX XXXX Opened XX/XX/XXXX, Balance {$3800.00}, Late Payment I have never missed a payment. 

DEPT OF EDUCATIONXXXX XXXX Opened XX/XX/XXXX, Balance {$2300.00}, Late Payment I have never missed a payment. 

XXXX XXXXXXXX Opened XX/XX/XXXX, Balance {$0.00}, Late Payment I have never missed a payment. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$5500.00}, Collection I do not recognize this account. 

XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX, Balance {$740.00}, Collection I do not recognize this account. 

XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$420.00}, Collection I do not recognize this account. 

XXXX Inquiry on XX/XX/XXXX I did not authorize this. 

XXXX Inquiry on XX/XX/XXXX I did not authorize this. 

XXXX XXXX  Inquiry on XXXX XXXX, XXXX I did not authorize this. 

I request that the CFPB review these items and help ensure that any incorrect information is corrected or removed from my credit report.

Thank you for your time and help.

Company response to consumer: Closed with explanation