vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information appearing on my TransUnion credit file regarding the following account : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX Condition : Paid Responsibility : Individual Current Balance : {$0.00} Original Balance : {$0.00} Limit : XXXX XXXX  Monthly Payment : {$0.00} Last Payment : XX/XX/XXXX   Status : Collection / Charge-Off Remarks : Payment after charge-off/collection | Dispute resolved; consumer disagrees, account closed by consumer This account is being reported as a collection/charge-off, even though the balance is {$0.00} and the condition clearly shows as Paid. This is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to report only information that is complete and accurate. 

Additionally, per Metro 2 reporting standards ( the standard format for credit reporting set by the XXXX XXXX XXXX XXXX ), once an account has been paid in full and carries a {$0.00} balance, it must not continue to be reported as a collection or charge-off. Instead, it should be updated to reflect a Paid/Closed {$0.00} Balance status without derogatory remarks. 
The continued reporting of this account as a charge-off, despite being paid, is a violation of the FCRAs accuracy provisions and misrepresents my credit history.

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 2025-08-17 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: MS

Complaint narrative:
On XX/XX/scrub> 2025, I sent Experian a formal dispute demanding deletion of inaccurate and unverifiable accounts. Despite my notice, Experian continues to report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection # XXXX {$4900.00} XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX Personal identifiers and inquiries that are unauthorized Experian is in violation of : 15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy.

15 U.S.C. 1681i unreasonable reinvestigation process.

UCC 3-303 ( b ) lack of consideration of value shown for alleged debts.

Miss. Code Ann. 75-24-5 unlawful deceptive business practices in credit reporting.

GAAP Accounting Standards furnishers have not produced impairment reports, write-off ledgers, or Forward Flow Agreements proving lawful acquisition of debts.

I am requesting CFPB intervention requiring Experian to delete all unverifiable and inaccurate accounts and to cease reporting accounts where no proof of value or lawful assignment exists.

Relief Requested : Immediate deletion of inaccurate accounts.

Enforcement action requiring Experian to verify debts under GAAP, FCRA, and UCC standards.

Civil penalties against Experian for systemic violations.

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 2025-08-18 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MO

Complaint narrative:
I opened a Netspend debit account on XX/XX/year>, as part of an offer that was advertised. The program said that I would earn a {$200.00} bonus within five business days of receiving a direct deposit of {$400.00} or more into my account within 60 days. On XX/XX/year>, I was credited with {$400.00} via direct deposit. But as of XX/XX/XXXX, I still haven't gotten the {$200.00} incentive that I was supposed to get under these promotional terms. I must receive payment for this right away.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX and SoFi closed my account without providing any explanation. I contacted them multiple times, but they refuse to reopen my account or even provide my account number and past statements. 

Why this is a problem : As a customer, I have the right to access my financial records regardless of whether the account is active. Their refusal is preventing me from accessing my own financial information, which I need for record-keeping and legal/financial purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: MS

Complaint narrative:
On XX/XX/scrub> 2025, I sent Equifax a formal dispute regarding multiple inaccurate and unlawful accounts on my consumer report. Despite providing proof of inaccuracies, Equifax has failed to properly investigate and continues to report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection # XXXX {$4900.00} Other erroneous identifiers and inquiries Equifax is violating : 15 U.S.C. 1681e ( b ) failure to maintain maximum accuracy.

15 U.S.C. 1681i failure to conduct a reasonable reinvestigation.

UCC 3-303 ( b ) no proof of consideration of value in assignment of debts.

Miss. Code Ann. 75-24-5 unfair and deceptive practices under Mississippi consumer law.

GAAP Accounting Standards furnishers have not produced impairment reports, write-off ledgers, or Forward Flow Agreements showing lawful chain of title.

I am requesting CFPB intervention for immediate deletion of these inaccurate accounts and an order requiring Equifax to verify only debts with proper chain of title, consideration of value, and GAAP accounting compliance.

Relief Requested : Deletion of all inaccurate accounts.

Enforcement of compliance with FCRA, UCC, GAAP, and Mississippi state laws. 

Civil penalties against Equifax for systemic violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
Under 15 U.S.C 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written consent of the consumer for that specific transaction. I have never given such permission to XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX or any no aliated third party XXXX XXXX  reporting agencies to furnish those accounts. This is willful violation of the FCRA, FCRA 605B-Unauthorized or identity theft reporting and these accounts is the result of unauthorized reporting and must be blocked pursuant to 1681c-2 within 4 business days upon receipt of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
Under 15 U.S.C 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written consent of the consumer for that specific transaction. I have never given such permission to XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX or any no aliated third party XXXX XXXX  reporting agencies to furnish those accounts. This is willful violation of the FCRA, FCRA 605B-Unauthorized or identity theft reporting and these accounts is the result of unauthorized reporting and must be blocked pursuant to 1681c-2 within 4 business days upon receipt of my 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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX MERIDIAN FINANCIAL SERVICES " XXXX XXXX XXXX XXXX A have violated my rights. 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. This have been couple of months and yet still on my Credit Report in XXXX, I have been suffering low credit scores because of this collection that in the first place I didn't apply for this. I'm asking MERIDIAN FINANCIAL SERVICES to provide signature and proof of ownership. I have been a victim of fraud, someone using my name, address and social security to get loans and they dont pay now I'm suffering from this fraud, my bank can attest to that i have been submitting fraud disputes charging my bank and debit cards without my authorizations. Fraud is the real problem here and i want this resolve to take this collection out to my XXXX Credit Report.

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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I've asked Portfolio Recovery for proof on the two accounts on my credit report. I wanted signed documentation of charge receipts, signed credit card application and all I received is statements which means nothing since they do not belong to me.

Also if I owed XXXX XXXX why was I able to get a credit card with them this year. Also they have this account listed as open which is fraudulent and illegal if this was back in XXXX  when it was closed and they bought it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
Under 15 U.S.C 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written consent of the consumer for that specific transaction. I have never given such permission to XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX or any no aliated third party XXXX XXXX  reporting agencies to furnish those accounts. This is willful violation of the FCRA, FCRA 605B-Unauthorized or identity theft reporting and these accounts is the result of unauthorized reporting and must be blocked pursuant to 1681c-2 within 4 business days upon receipt of my 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX - {$14000.00} XXXX {$14000.00} XXXX, XXXX XXXX {$4100.00} Dispute was taken place. Accounts were supposed to be moved off of credit. The information listed above is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically [ 15 USC 1681e ] ( b ). According to this statute, consumer reporting agencies must ensure the highest possible accuracy of the information they report.

Additionally, your agency is in breach of [ 15 USC 1681b ] ( a ) ( 2 ), as I have not authorized the sharing of my private and confidential records. This constitutes a violation of my privacy rights under [ 15 USC 1681 ] ( a ) ( 4 ).

I demand the immediate deletion of the aforementioned items from my consumer file. Failure to comply will compel me to pursue legal action to protect my rights.

These actions are classified as Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ), which is a felony punishable by up to two years in prison and civil liabilities. I am seeking compensation for the following damages : 1 Permissible purpose - {$1000.00} 2 Defamation of character - {$1000.00} 3 Damaged reputation - {$1000.00} 4 Damaged creditworthiness - {$1000.00} 5 Damaged mode of living - {$1000.00} 6 Infringed right to privacy - {$1000.00} Cease the dissemination of this erroneous information 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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One sold my credit card debt information to an unknown company after the account was closed. I start getting unwanted calls and people knocking on my door during the daytime, as well as any time of night. I had acted like they were some official, I had to threaten to call the police if they knocked on my door again. This happened between XX/XX/2024 and XX/XX/2024 ; they sold my personal information to a stranger whom I never agreed to. Also they have 2 incorrect addresses on my credit report listed below XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-16 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXXXXXX  To Whom It May Concern, I am writing to dispute inaccurate personal information appearing in my credit file. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

The following items are inaccurate and must be removed from my credit report : XXXX. Incorrect Address XXXX XXXX XXXX, XXXX, LA XXXX Address ID # XXXX XXXX. Incorrect Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX My correct personal information is : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX These errors do not belong to me and compromise the accuracy of my consumer file. Under 1681e ( b ), you are required to correct such inaccuracies. 

Accordingly, I formally request that you : 1. Investigate and delete the inaccurate names and address listed above.

2. Send me written confirmation once these items have been removed.

3. Opt me out of all third-party information sharing, marketing solicitations, and promotional lists.

4. Place a security freeze on my credit file to prevent unauthorized access or fraudulent activity.

5. Provide me with updated consumer reports reflecting these corrections and changes. 

Thank you for your prompt compliance with federal law. I expect your office to honor these requests and provide me with confirmation in writing. 

Sincerely, XXXX 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 2025-08-16 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: VA

Complaint narrative:
On XX/XX/year>2025, I took out an Affirm loan ( Loan ID : XXXX ) for {$350.00} to purchase a product from XXXX. The product was XXXX, which is not FDA-approved and is illegal to market and sell. After learning this, I immediately cancelled my order and my bank reversed the first payment.

I provided XXXX w

ith multiple pieces of evidence : The FDA Warning Letter against the product. The advertisement and product label from XXXX showing the drug.

Proof from my bank showing the payment reversal.

A detailed written follow-up explaining the cancellation and the illegality of the transaction.

Documentation of customer complaints against XXXX. 

Despite this, XXXX refused to acknowledge my cancellation or the products illegality. Instead, they relied on the merchants no refund policy and claimed the loan remained valid. Their investigation responses were boilerplate and ignored the substance of my evidence. 

XXXX closed my merchant dispute in favor of the merchant and has stated I am still responsible for the loan. They also warned that they may report my account as delinquent to XXXX  if I do not continue making payments.

This is incorrect reporting. The account should not be shown as an active or valid debt because : The underlying product was illegal to sell and unsafe.

I cancelled the transaction.

My bank already reversed a payment, confirming cancellation.

I dispute any reporting of this account as open, past due, or delinquent. If XXXX r

eports this to the credit bureaus, it will be false and harmful to my credit report and score. I request CFPB assistance in requiring XXXX to correct or remove this account from my credit reports and to recognise the loan as invalid/cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
On XX/XX/year>2025, I took out an XXXX  loan ( Loan ID : XXXX ) for {$350.00} to purchase a product from XXXX. The product was XXXX, which is not FDA-approved and is illegal to market and sell. After learning this, I immediately cancelled my order and my bank reversed the first payment.

I provided XXXX with multiple pieces of evidence : The FDA Warning Letter against the product.

The advertisement and product label from XXXX showing the drug.

Proof from my bank showing the payment reversal.

A detailed written follow-up explaining the cancellation and the illegality of the transaction.

Documentation of customer complaints against XXXX. 

Despite this, XXXX refused to acknowledge my cancellation or the products illegality. Instead, they relied on the merchants no refund policy and claimed the loan remained valid. Their investigation responses were boilerplate and ignored the substance of my evidence. 

XXXX closed my merchant dispute in favor of the merchant and has stated I am still responsible for the loan. They also warned that they may report my account as delinquent to XXXX  if I do not continue making payments.

This is incorrect reporting. The account should not be shown as an active or valid debt because : The underlying product was illegal to sell and unsafe.

I cancelled the transaction.

My bank already reversed a payment, confirming cancellation.

I dispute any reporting of this account as open, past due, or delinquent. If XXXX reports this to the credit bureaus, it will be false and harmful to my credit report and score. 

I request CFPB assistance in requiring XXXX to correct or remove this account from my credit reports and to recognise the loan as invalid/cancelled.

Company response to consumer: Closed with explanation