vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: WI

Complaint narrative:
PORTFOLIO R is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO R 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: ND

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC
State: NC

Complaint narrative:
I need the loan settled by law and title sent to me via mail. Refuse to abide by article 3 & 9. Refuse to apply credits from accounts recievable to the accounts payable which i instructed as beneficiary of estate and trust ( constructive ) and grantor of the note. Unjust enrichment material misrepresentation. Refused tender of discharge by lawful tender which equates to discharge by law. They securitize note without my knowledge and not the holder in due course. Damaging estate with consumer report. Causing me to not gain access to lines of credit and bad apr rates. Violating trust consumer law tila.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing this complaint against Target/TD Bank for furnishing inaccurate and inconsistent information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The same Target/TD account is reported differently across all three credit bureaus : XXXX  : XXXX, {$540.00} balance, 120 days late, not disputed. 

XXXX  : Closed, charged off, {$590.00} balance, not disputed. 

XXXX  : Open, disputed, {$540.00} balance. 

These contradictions violate FCRA 1681e ( b ) ( accuracy requirement ), 1681s-2 ( a ) ( furnisher accuracy ), and 1681i ( reinvestigation ). XXXX  shows an active dispute, yet XXXX  and XXXX  do not violating FDCPA 807 ( 8 ) and FCRA 623 ( b ), which require furnishers to report disputed accounts consistently to all CRAs. 

This inaccurate and conflicting reporting has negatively impacted my credit profile. I am requesting that the CFPB investigate Target/TD Banks reporting practices, require deletion or correction of unverifiable data, and ensure compliance with the FCRA and FDCPA. 

Requested Resolution : Deletion of the inaccurate information from all CRAs. 

Confirmation of dispute handling procedures and reinvestigation results. 

Corrective compliance action against Target/TD if violations are confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 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 2025-10-08 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: NY

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

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 2025-10-08 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: MD

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-08 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: NJ

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the 15-day period required by law. This failure to provide the requested details constitutes a violation of my rights under 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I request TransUnion remove a fraud alert placed on my TransUnion credit file. My identifying information : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX last 4 : XXXX, Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX. I did not authorize this alert. I have attached my government ID and proof of address. Please remove the fraud alert without delay and confirm removal in writing. I demand removal within 24 hours or within the TransUnion published timeframe.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Request to Resolve Credit Score Calculation Error To Whom It May Concern, I am writing to formally dispute an issue with my credit report that is preventing both Equifax and third-party reporting agencies from calculating my credit score accurately. This issue is causing significant inconvenience and financial harm, as I am unable to access credit products and financial opportunities that require an accurate credit score. 
Upon reviewing my credit report, I have noticed that despite having an established credit history, my credit score is not being calculated correctly. This is unacceptable and must be rectified immediately. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax take the following corrective actions : Investigate and resolve the error preventing the calculation of my credit score on both Equifax and third-party platforms. 
Provide a written explanation of the issue and the corrective actions taken. 
Ensure my credit score is properly calculated and reported to all relevant parties. 
Attached to this letter, I have included copies of my identification and any supporting documentation to facilitate your investigation. I request that you correct this error immediately and confirm in writing that the issue has been resolved within the legally mandated time frame of 30 days.

Failure to correct this issue promptly may result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
Please provide a written response to my request at the address listed above or via email at ( XXXX ) ). If you require any additional information, you may contact me at ( XXXX ) I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by Chase Auto Finance Account : # XXXX To Whom It May Concern, I am submitting a complaint regarding Chase Auto Finance for inaccurate reporting of a 30-day late payment to the credit bureaus, which misrepresents both my and my husband 's credit history and violates both the FCRA and Colorado consumer protection laws. 

Timeline of Events : XX/XX/XXXX : Vehicle traded in ; dealership issued payoff to Chase. 

XX/XX/XXXX : Chase acknowledged receipt of payoff funds from the dealership. ( see attachments ) and even though said funds were short, they did not apply the funds to the loan when they received them. Had they applied them, we would not have suffered a late payment hit to our credit. Furthermore, they did not communicate to us that the pay off funds were short {$43.00} XX/XX/XXXX : I spoke with a Chase representative confirming receipt ; call recorded ; no shortfall mentioned. 

XX/XX/XXXX : Chase applied the payoff XXXX day after the 30-day threshold. 

XX/XX/XXXX : A remaining balance of {$43.00} was reported to us ; We paid immediately. We were never advised of the short, nor given the opportunity to take care of the short until this date. as a result we suffered damage to our credit with the reporting of a late payment ; and still as of XX/XX/XXXX, the loan still has not been reported to our credit reports as paid in full!!! 

I also sent several messages through Chase on line secure messaging center between XX/XX/XXXX and XX/XX/XXXX and not one time did Chase say the pay off check was short. Chase had opportunities to communicate with us about the short and failed to do so. Had we been advised that the pay off funds were short, we could have taken steps before suffering financial harm to our credit. 

Key Issue : Chases position that the payoff was short does not justify a 30-day late report. By Chases own admission, payoff funds were received on XX/XX/XXXX before the 30-day late threshold. The only remaining balance was {$43.00}, which was paid in full by me on XX/XX/XXXX immediately upon notice. Reporting the entire account as 30 days late misrepresents the facts and violates the FCRAs requirement to furnish complete and accurate information. 

Chases continued misreporting is causing significant harm to my and my husband 's credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXXXXXX XXXX Date : XXXX XXXXXXXX XXXX  XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-10-08 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-08 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: NC

Complaint narrative:
am filing this complaint against a debt collector ( identified as XXXX XXXX who is inaccurately reporting payment activity on my credit report for an account originally with XXXX XXXX XXXX XXXX. 

The debt collector is falsely reporting that a payment was made on the account in XX/XX/XXXX, which is completely untrue. My last actual payment was in XX/XX/XXXX, and I have bank statements to prove this. I have requested documentation or statements from both the debt collector and the original creditor, but I have not received any valid proof of this alleged XX/XX/XXXX payment. 

This misreporting affects the Date of First Delinquency and may extend the time the negative item stays on my credit report beyond the legal 7-year limit, which is a violation of the Fair Credit Reporting Act ( FCRA ). It also constitutes false or misleading representation under the Fair Debt Collection Practices Act ( FDCPA ). 

I have already disputed this with the credit bureaus and sent a debt validation request to the collector, but I am now requesting the CFPB to intervene and ensure this account is correctly reported, or removed entirely if validation can not be provided.

Company response to consumer: Closed with explanation