vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: TX

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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Previous Complaint Case Number : XXXX Direct Conflict : Portfolio Recovery Associates previous response states that they sent a notice on XX/XX/year>, but my credit report shows they reported the alleged debt on XX/XX/year>. 

Under 12 CFR Part 1006.30 ( a ), a debt collector must not furnish information to a credit reporting agency before communication with the consumer or waiting 14 days after mailing a notice. PRA 's own records prove they furnished this information 8 days before they even claimed to have placed a notice in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
Central Portfolio Control , Inc. is claiming that I authorized and agreed to a payment arrangement that I did not authorize nor agreed. They sent me an email saying they are going to take the money from my account on XX/XX/year>. I never agreed to any such thing, whatsoever. This email showed up in my Spam folder as well. I dont know if it is real or not, but they accurately showed the amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TekCollect Inc.
State: CA

Complaint narrative:
Issue Type : Debt collection Company : TekCollect, Inc. 
Reference No. : XXXX Amount : {$1200.00} I am filing a formal complaint regarding TekCollect, Inc.s continued attempt to collect a debt that does not exist and that was formally disputed in writing with supporting documentation. 

On XX/XX/year>, I submitted a written dispute pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), disputing the entirety of the alleged debt and demanding validation and cessation of collection activity. I provided comprehensive documentation demonstrating : Full payment made at time of service A documented refund issued by the original creditor after reconciliation Confirmation that the account was settled with a XXXX balance Improper referral to collections by the original creditor Despite this, TekCollect has failed to acknowledge the dispute, failed to provide any validation, and has not confirmed cessation of collection activity. This silence constitutes continued collection activity during a pending dispute and exposes TekCollect to violations of the FDCPA and potential Fair Credit Reporting Act violations if reporting has occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-22 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: MS

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurately reported on my credit report. Please investigate the details below and take appropriate action to resolve these issues. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX CAP XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
I am submitting this complaint regarding the continued reporting of fraudulent credit accounts and unauthorized inquiries on my Equifax credit report. These accounts and inquiries were not opened by me, were not authorized by me, and are the result of identity theft. I have complied with all statutory requirements by filing detailed reports with the Federal Trade Commission and disputing these items as fraudulent. Nevertheless, the reporting entities have failed to block and remove the fraudulent information, in direct violation of the Fair Credit Reporting Act ( FCRA ). FTC Identity Theft Reports ( Attached ) The following FTC reports are included with this complaint and meet the definition of an Identity Theft Report under 15 U.S.C. 1681a ( q ) : FTC Report No. XXXX FTC Report No. XXXX FTC Report No. XXXX The following accounts were opened without my knowledge, authorization, or consent and must be blocked and removed pursuant to 15 U.S.C. 1681c-2 : 1. XXXX  XXXX XXXX Acct No. : XXXX Balance : {$2800.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct No. : XXXX Balance : {$16.00} Date Opened : XX/XX/XXXX 3. XXXX XXXX Acct No. : XXXX Balance : {$5900.00} Date Opened : XX/XX/XXXX 4. XXXX Acct No. : XXXX Balance : {$990.00} Date Opened : XX/XX/XXXX 5. XXXX Acct No. : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 6. XXXX  / XXXX XXXX Acct No. : XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX 7. XXXX XXXX XXXX  XXXX, XXXX. Acct No. : XXXX Balance : {$780.00} Date Opened : XX/XX/XXXX 8. XXXX / XXXX Acct No. : XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX 9. XXXX / XXXX XXXX  Acct No. : XXXX Balance : {$390.00} Date Opened : XX/XX/XXXX The following inquiries were not initiated by me and were the result of identity theft. These inquiries must be removed pursuant to 15 U.S.C. 1681b and 1681c-2 : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Out of the blue some company sent me a letter in the mail stating I owe them money. It also stated that they bought my debt from Citibank. The last time I spoke with Citibank they told me they charged off the debt because I told them Ive been homeless since XXXX of 2024. Its been over a year now and Im still homeless with no way to pay Citibank back which is why they decided to charge off the debt. Now, Ive seen my credit report when Citibank charged off the debt and I thought that would be the end of it and I will receive a tax letter from them about the debt being charged off as income. But now I got a whole new company telling me that they bought my debt and now I owe them. I requested a debt validation including the following : A copy of the original signed agreement or contract creating the debt, a complete itemized accounting of the amount claimed, including principal, interest, fees, and other charges, and documentation of the chain of ownership or assignment of this account, establishing your legal right to collect. I didnt receive it, so how do I know if they are telling me the truth or not. Either Citibank lied to me or this new company is. Either way XXXX cant even afford to keep a roof over my head or eat on a day to day basis. I could honestly care less about all this except this might actually hinder me from getting placed in proper housing in the future.

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 2025-12-22 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 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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-22 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 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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
JEFFERSON is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information being reported on my Equifax credit report. I have reviewed my report carefully and identified the following items that are not being reported accurately, completely, or in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute XXXX, Account XXXX. XXXXXXXX XXXX XXXX, Date Reported XX/XX/year>, Balance {$100000.00} XXXX XXXX, Account No. XXXXXXXX XXXX XXXX, Date Reported XX/XX/year>, Balance {$50000.00} These charged-off accounts are being reported with inaccurate balances, incorrect account statuses, and incomplete payment histories. Equifax has failed to ensure that this information has been properly verified as required under FCRA XXXX. If these accounts can not be fully verified with complete and accurate documentation, they must be deleted or corrected immediately. 

Late Payment Reporting in Dispute XXXX, Account No. XXXX XXXX XXXX TDAF, Account No. XXXXXXXX XXXX XXXX XXXX, Account No. XXXXXXXX XXXX XXXX These accounts are reporting late payments that I dispute as inaccurate and misleading. The late payment history does not accurately reflect my actual payment activity and is being reported without proper verification. Reporting late payments inaccurately is damaging to my credit profile and violates the FCRAs requirement for maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
Over a two-week period, multiple debit card transactions were made to XXXX XXXX XXXX XXXX totaling approximately {$4600.00}. During this time, I was impaired and do not recall making or authorizing these transactions. 

Because I lack memory of approving or initiating these charges, I did not knowingly or intentionally provide informed consent. Once I discovered the activity, I immediately contacted the merchant, requested a review, self-excluded from gambling platforms, and disputed the charges with Chime. 

I am requesting a Regulation XXXX investigation into whether these transactions were properly authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NM

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX INQUIRIES : XXXX  XXXX - XX/XX/year> XXXX  XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> 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