vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
In XXXX I obtained a vehicle loan for a XXXX XXXX financed through XXXX XXXX. I was on the contract with my mother. In XXXX I brought the loan current and the vehicle was sold back to the original dealership, XXXX XXXX in XXXX XXXX, XXXX On XX/XX/XXXX the dealer paid off the loan. I received written confirmation that the XXXX was paid off with a XXXX balance and a purchase confirmation notice showing the dealer bought the vehicle. 

Despite this, XXXX XXXX is reporting the tradeline to the credit bureaus as a repossession with a XXXX balance. The vehicle was never repossessed. It was paid current and then sold back to the dealer. This reporting is inaccurate and is harming my credit. 

I have contacted XXXX XXXX and the dealership by phone, and the payoff has been confirmed, but the credit reporting has not been corrected. I am requesting that XXXX XXXX correct all information furnished to the credit bureaus for this account by removing any repossession code or remark and updating the account to show paid, closed, no repossession. I am attaching the payoff confirmation, the dealer purchase confirmation, and a copy of my credit report showing the repossession remark.

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 2025-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, I found out that my money in the amount of XXXX that was in my paypal account was taken by Paypal. They said " damages caused by acceptable use policy violations ''. Back then I had my house rents paying to me through paypal and some other payments were done through paypal. They didn't explain further any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MN

Complaint narrative:
Says theres a XXXX account in XXXX mn and Ive never lived there

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
b'I am submitting this letter as my second formal dispute regarding multiple items appearing \ninaccurately on my Equifax, TransUnion and Experian credit report. Despite prior dispute submissions, these accounts continue \nto be reported with inaccurate or unverifiable information. I am exercising my rights under the Fair \nCredit Reporting Act (FCRA) 602, 603, 607(b), 609(a)(1), 611(a), and 623(a)(1)(A), which \ncollectively require Equifax, TransUnion and Experian  to maintain maximum possible accuracy, verify all information furnished \nto the credit reporting agency, and conduct a thorough reinvestigation whenever a consumer \nidentifies potential inaccuracies. The items currently being reported inaccurately misrepresent my \nfinancial responsibility, and if left uncorrected, may adversely affect my ability to obtain credit or \nconduct other financial transactions.\XXXX XXXXBalance Owed:XXXX Original Creditor XXXX XXXX XXXX XXXXBalance Owed:XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed: XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed:XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  NC 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 2025-11-24 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MacDowell & Associates, Ltd.
State: AL

Complaint narrative:
In [ XXXX ], I received a collection notice from a law firm acting as a debt collector regarding an alleged debt. I contacted the firm and disputed the validity of the debt. On [ date ], I sent a written request for verification under the Fair Debt Collection Practices Act ( FDCPA ), requesting a full accounting, proof of ownership, and documentation showing I am legally responsible for the debt. 

The law firm responded on [ date ], but only provided an application form, which does not constitute proper verification under the FDCPA. No account history, itemization, or documentation showing assignment of the debt was provided. 

Despite the lack of proper verification, the law firm continued collection activity on or after [ date ], including [ calls/letters/credit reportingchoose the correct action ]. I attempted to resolve the issue by disputing the information again, but the firm did not conduct a full and fair reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the company provide proper verification of the debt or cease all collection activity until verification is provided. I am also requesting that any inaccurate or unverified information be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
b'I am submitting this letter as my second formal dispute regarding multiple items appearing \ninaccurately on my Equifax, TransUnion and Experian credit report. Despite prior dispute submissions, these accounts continue \nto be reported with inaccurate or unverifiable information. I am exercising my rights under the Fair \nCredit Reporting Act (FCRA) 602, 603, 607(b), 609(a)(1), 611(a), and 623(a)(1)(A), which \ncollectively require Equifax, TransUnion and Experian  to maintain maximum possible accuracy, verify all information furnished \nto the credit reporting agency, and conduct a thorough reinvestigation whenever a consumer \nidentifies potential inaccuracies. The items currently being reported inaccurately misrepresent my \nfinancial responsibility, and if left uncorrected, may adversely affect my ability to obtain credit or \nconduct other financial transactions.\XXXX XXXXBalance Owed:XXXX Original Creditor XXXX XXXX XXXX XXXXBalance Owed:XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed: XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed:XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
b'I am submitting this letter as my second formal dispute regarding multiple items appearing \ninaccurately on my Equifax, TransUnion and Experian credit report. Despite prior dispute submissions, these accounts continue \nto be reported with inaccurate or unverifiable information. I am exercising my rights under the Fair \nCredit Reporting Act (FCRA) 602, 603, 607(b), 609(a)(1), 611(a), and 623(a)(1)(A), which \ncollectively require Equifax, TransUnion and Experian  to maintain maximum possible accuracy, verify all information furnished \nto the credit reporting agency, and conduct a thorough reinvestigation whenever a consumer \nidentifies potential inaccuracies. The items currently being reported inaccurately misrepresent my \nfinancial responsibility, and if left uncorrected, may adversely affect my ability to obtain credit or \nconduct other financial transactions.\XXXX XXXXBalance Owed:XXXX Original Creditor XXXX XXXX XXXX XXXXBalance Owed:XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed: XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed:XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  NC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have verified multiple accounts on my credit report that contain clear FCRA violations, illegal re-aging, contradictory account statuses, and impossible payment histories. I previously disputed these accounts directly with all three bureaus, and they failed to conduct a lawful, reasonable investigation as required by FCRA 611 ( a ) ( 1 ) ( A ). The bureaus verified information that is factually incorrect, internally inconsistent, and legally impossible, which constitutes willful noncompliance. 

The inaccurate accounts are : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Across all four accounts, the credit bureaus are reporting : Illegal re-aging of the Date of First Delinquency ( FCRA 623 ( a ) ( 5 ), 605 ( c ), FACTA 312 ) Multiple charge-off months, which is impossible because a charge-off is a one-time event ( FCRA 623 ( a ) ( 1 ) ( A ) ) Late payments reported AFTER repossession or AFTER charge-off, which is prohibited ( FCRA 623 ( a ) ( 2 ) ) Contradictory statuses, such as charged off, written off, and past due being reported simultaneously ( FCRA 607 ( b ) ) Inaccurate status updated dates that do not match the timeline of delinquency Past-due balances being reported on closed/charged-off accounts, which is factually impossible Continuous derogatory updating on closed accounts, which is misleading and harmful ( FCRA 602 ( A ) ) Each of these items is a direct violation of the Fair Credit Reporting Act.

The bureaus ' verification of this data proves that no reasonable investigation was performed, and the information verified is not accurate, not complete, and not verifiable. Under FCRA 611 ( a ) ( 5 ), unverifiable or inaccurate information must be deleted. 

I am requesting CFPB assistance because the credit bureaus continue to allow these false accounts and illegal reporting practices to remain on my credit file even after being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have verified multiple accounts on my credit report that contain clear FCRA violations, illegal re-aging, contradictory account statuses, and impossible payment histories. I previously disputed these accounts directly with all three bureaus, and they failed to conduct a lawful, reasonable investigation as required by FCRA 611 ( a ) ( 1 ) ( A ). The bureaus verified information that is factually incorrect, internally inconsistent, and legally impossible, which constitutes willful noncompliance. 

The inaccurate accounts are : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Across all four accounts, the credit bureaus are reporting : Illegal re-aging of the Date of First Delinquency ( FCRA 623 ( a ) ( 5 ), 605 ( c ), FACTA 312 ) Multiple charge-off months, which is impossible because a charge-off is a one-time event ( FCRA 623 ( a ) ( 1 ) ( A ) ) Late payments reported AFTER repossession or AFTER charge-off, which is prohibited ( FCRA 623 ( a ) ( 2 ) ) Contradictory statuses, such as charged off, written off, and past due being reported simultaneously ( FCRA 607 ( b ) ) Inaccurate status updated dates that do not match the timeline of delinquency Past-due balances being reported on closed/charged-off accounts, which is factually impossible Continuous derogatory updating on closed accounts, which is misleading and harmful ( FCRA 602 ( A ) ) Each of these items is a direct violation of the Fair Credit Reporting Act.

The bureaus ' verification of this data proves that no reasonable investigation was performed, and the information verified is not accurate, not complete, and not verifiable. Under FCRA 611 ( a ) ( 5 ), unverifiable or inaccurate information must be deleted. 

I am requesting CFPB assistance because the credit bureaus continue to allow these false accounts and illegal reporting practices to remain on my credit file even after being disputed.

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 2025-11-24 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine.

Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-24 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: AR

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$3900.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$3900.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 
2. Violation of the XXXX Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 
3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 
4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
5. XXXX XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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