vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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 writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-09-27 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX Balance : {$360.00} XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/year>

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 2025-09-27 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: NC

Complaint narrative:
This is my 11th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-09-27 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: NC

Complaint narrative:
This is my 11th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-09-27 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:
I am formally disputing the followingunauthorized inquiriesthat appear on my Transunion consumer file : XXXX  XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year> UnderFCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a consumer report if there is apermissible purpose. I did not authorize nor initiate any transaction with these entities that would permit such access. Therefore, these inquiries areimpermissible and unlawful.

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 2025-09-27 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and I request a thorough reinvestigation of the following items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and I request a thorough reinvestigation of the following items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: ID

Complaint narrative:
Ive pulled out a couple of loans that went to collections without my permission of my information being sold to third-party softwares and overall, I didnt expect the interest rate to be higher than what it was said initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: Uprova Credit, LLC
State: MA

Complaint narrative:
Please remove soft inquiries from XXXX. Credit reports and inquiries from my XXXX XXXX  that are shown there that will never put by me. Remove them immediately

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 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received notification via my credit report stating I had a new collection account, I have never received any written documentation from this company notifying me of a debit nor giving me a chance to dispute this information. This account has caused me emotional distress, my credit score has also been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX Balance : {$360.00} XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX Balance : {$360.00} XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/year>

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 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX New York XXXX XXXX [ Phone Number ] XX/XX/year> Portfolio Recovery Associates , LLC Re : XXXX XXXX Credit Card Dear Sir/Madam, I am writing regarding the above-referenced account, which you claim is owed to Portfolio Recovery Associates in connection with a XXXX XXXX credit card. I respectfully request your assistance with the following matter : I dispute this debt and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Please provide documentation that verifies : XXXX. The original creditor ( XXXX XXXX XXXX. The full amount of the debt you claim is owed. 
XXXX. Proof that I am legally obligated to pay this debt. 
XXXX. A copy of the original signed agreement or contract. 

Until you provide this validation, I request that you cease all collection activities on this account, including reporting to credit bureaus. If this account is already on my credit report, please mark it as disputed. 

This letter is not an acknowledgment of liability for the debt. I request that all future communication be in writing only. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-27 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: SC

Complaint narrative:
I am submitting this follow-up regarding my previously filed complaint concerning multiple inaccuracies and inconsistencies in the reporting of several accounts on my credit file. While I understand the CFPB review process requires time, I have not yet received confirmation of a full reinvestigation or resolution of the issues I XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX  ( {$22000.00} ) * * Late payments reported : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> ), 90 days ( XX/XX/year> ) XXXX XXXX XXXX XXXX Account XXXX in XXXX XXXX XXXX XXXX ( {$42000.00} ) Late payment reported : 30 days ( XX/XX/year> ) .Chartway XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$69000.00} ) XXXX XXXX  Late payments reported : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> ). 
XXXX XXXX XXXXXXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$75000.00} ) * * Late payments reported : 30 days ( XX/XX/year>, XX/XX/year> ), 60 days ( XX/XX/year> ), 90 days ( XX/XX/year> ) XXXX / Dept. of Education Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$12000.00} ) XXXX XXXX  Late payments reported : 90 days ( XX/XX/year> ), 120 days ( XX/XX/year>, XX/XX/year> ). Issue : This account begins reporting delinquencies at 90 days late, with no prior XXXX or XXXX notations, which is inconsistent with standard credit reporting practices.These reporting discrepancies raise clear concerns under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 607 ( b ) : Duty to ensure maximum possible accuracy.

611 ( a ) : My right to dispute and request reinvestigation.

623 ( a ) ( 2 ) : Furnishers duty to correct and update information after notification of errors.623 ( b ) : Furnishers duty to investigate disputed information and report results to the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this follow-up regarding my previously filed complaint concerning multiple inaccuracies and inconsistencies in the reporting of several accounts on my credit file. While I understand the CFPB review process requires time, I have not yet received confirmation of a full reinvestigation or resolution of the issues I XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX  ( {$22000.00} ) * * Late payments reported : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> ), 90 days ( XX/XX/year> ) XXXX XXXX XXXX XXXX Account XXXX in XXXX XXXX XXXX XXXX ( {$42000.00} ) Late payment reported : 30 days ( XX/XX/year> ) .Chartway XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$69000.00} ) XXXX XXXX  Late payments reported : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> ). 
XXXX XXXX XXXXXXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$75000.00} ) * * Late payments reported : 30 days ( XX/XX/year>, XX/XX/year> ), 60 days ( XX/XX/year> ), 90 days ( XX/XX/year> ) XXXX / Dept. of Education Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$12000.00} ) XXXX XXXX  Late payments reported : 90 days ( XX/XX/year> ), 120 days ( XX/XX/year>, XX/XX/year> ). Issue : This account begins reporting delinquencies at 90 days late, with no prior XXXX or XXXX notations, which is inconsistent with standard credit reporting practices.These reporting discrepancies raise clear concerns under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 607 ( b ) : Duty to ensure maximum possible accuracy.

611 ( a ) : My right to dispute and request reinvestigation.

623 ( a ) ( 2 ) : Furnishers duty to correct and update information after notification of errors.623 ( b ) : Furnishers duty to investigate disputed information and report results to the bureaus.

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am formally requesting the removal of the debt collection account from my credit report. I believe this collection account was obtained and reported under circumstances that violate my rights as a consumer, specifically due to the unauthorized sale or transfer of my personal information. 

I did not give consent for my personal information to be sold or transferred to a third-party collection agency. Under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant privacy laws, consumers have the right to be informed and to consent before their sensitive data is shared or sold. If my original creditor sold or assigned my debt to a third party without proper notification or legal basis, this is a violation of both privacy and consumer protection regulations. 

Furthermore, I request full validation of the debt under Section XXXX of the FDCPA. This includes a complete chain of custody of the debt, proof that the collection agency has the legal right to collect it, and documentation showing that my information was transferred lawfully and with consent. 

Unless this debt can be fully validated and shown to have been obtained and reported legally and with proper consent, I respectfully request that this collection account be immediately removed from my credit reports with all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo Bank and told them this has happened in the past where a collection company was trying to collect a false Debt. 

I do not have account with Wells Fargo Bank ever. XXXX XXXXXXXX XXXX is the company. 

They had my name, SSN, and Phone number. It said I owe XXXX dollars. Trying to get be to pay in a Settle for XXXX dollars. Wells Fargo representative checked my informtioan and said No collection from their Bank.

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 2025-09-27 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: TX

Complaint narrative:
Its very upsetting to check my credit report this morning and still find the same inaccurate late payments listed. Despite refreshing my browser, nothing has changed. Im asking for an immediate and thorough review of the documents Ive provided so I can stop dealing with this ongoing problem.

Company response to consumer: Closed with explanation