vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: LA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: OR

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of fraud, I never did any business with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I dispute the reporting of Portfolio Recovery Associates LLC on my credit profile. This company is a third-party debt collector with whom I have no agreement or contract, yet they are publishing and attempting to collect a debt using my personal identifiable information ( PII ). This constitutes an invasion of privacy and procurement by fraud. 

Violations : FDCPA 807 ( 15 U.S.C. 1692e ) : prohibits false, deceptive, or misleading representations. Reporting a debt without proof of authority or contract is a direct violation.

FDCPA 809 ( 15 U.S.C. 1692g ) : requires debt validation. No proof of agreement or lawful assignment has been provided.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : prohibits furnishing information that is inaccurate or can not be verified.

FCRA 611 ( 15 U.S.C. 1681i ) : requires deletion if a tradeline can not be substantiated.

Key Points : Charged-off accounts are closed accounts. By law and accounting standards, they can not be collected upon by third parties as if still open. They should have been written off by the original creditor and settled through insurance, reserves, or sale meaning the real party in interest was already compensated.

Any collection activity after charge-off without a direct agreement with me is unlawful.

If no written agreement exists between myself and Portfolio Recovery Associates LLC, then the company has gained access to my Social Security information through fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: OR

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-10-02 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: NJ

Complaint narrative:
I am filing a formal complaint regarding unauthorized hard inquiries from XXXX XXXX  ( dated XX/XX/year>2025 ) and XXXX  XXXX ( dated XX/XX/scrub>/2025 ) that appear on my credit report. These inquiries were made without my consent and violate 15 U.S.C. 1681b, which prohibits access to my credit report without a valid permissible purpose and written authorization. I have disputed this issue multiple times with TransUnion, but it remains unresolved. I am disappointed by TransUnion 's failure to correct this matter, and I expect immediate action to delete these unauthorized inquiries. I hope that this will be my last dispute regarding this matter. Additionally, due to the unavailability of the FTC site, I am unable to create an FTC Identity Theft report at this time. If needed, I will attach a screenshot of the FTC sites shutdown for clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Affirm Holdings, Inc
State: LA

Complaint narrative:
For Affirm XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date : XX/XX/year> To : Affirm , Inc. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Loan Account XXXX Request for Full Verification To Whom It May Concern, This is my 3rd request for full verification of the above-referenced account that you are reporting or attempting to collect. Please note that providing only billing statements or a generic loan disclosure does not constitute full validation under federal law.

To properly verify this account, I am requesting : 1. A complete copy of the executed Loan Agreement that you claim I entered into ; 2. The full e-signature audit trail, including : IP address of the device used, Date and time stamps of all electronic actions, Authentication methods used ( such as SSN, DOB, SMS code, etc. ), Confirmation of electronic consent ; 3. All payment history records applied to this account ; 4. Documentation of your authority to report this account to the credit reporting agencies or to collect on it.

Please note : Under the Fair Credit Reporting Act ( FCRA ), any information you furnish to a credit reporting agency must be accurate and verifiable.

Under the Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ), you must provide full validation of the debt upon request.

Under the Truth in Lending Act ( TILA ), you are required to provide copies of loan agreements and disclosures when requested.

Failure to provide this documentation within the required timeframe will mean that this account is not verifiable, and I will request its deletion from all credit reporting agencies and file further complaints Also, Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting verification of this debt.

Please provide written confirmation of the following : 1. The current status of this account, including the outstanding balance, if any.

2. Documentation showing that you are the current owner or authorized collector of this debt.

3. Whether any portion of this debt has been or will be canceled, forgiven, or settled.

4. If a Form 1099-C ( Cancellation of Debt ) will be issued to me or reported to the IRS in relation to this account.

I request that all information be provided in writing within 30 days of receipt of this letter. Until verification is provided, please cease all collection efforts on this account.

Please be advised that I am keeping detailed records of all communications regarding this account, including any potential misreporting or failure to provide verification, for my records and any necessary legal or tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year>2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
In late XX/XX/year>, I financed an XXXX vehicle through INFINITI Financial Services / Nissan Motor Acceptance Company ( XXXX ). Within roughly two months of opening the account, I made two payments : XX/XX/year> : {$1000.00} XX/XX/year> : {$1800.00} ( processed per an XXXX  agents recommendation and included a {$25.00} late fee ) On XX/XX/year>, I contacted XXXX  to understand why a bill was already due so soon after account opening. The agent was dismissive, but I followed instructions and paid {$1800.00} the same day to ensure the account was current. 

Despite that payment and the agents assurance that everything will be alright, the very next day ( XX/XX/year> ) I saw a derogatory late/past-due mark appear on my credit reports tied to this account. 

Critically, I never received any notice by any means ( mail, email, text, portal alert, or phone ) that the account was due or past due prior to the negative reporting. If any notices were sent, the company should be able to document when and how ( including delivery status ). I have not seen evidence that any such notice was provided. 

On XX/XX/year>, I again contacted XXXX via chat. After interacting with the automated assistant, I was transferred to a live agent ( XXXX ), who stated that disputes must be submitted in writing to XXXX Credit Bureau Management in XXXX, TX. I have since prepared and mailed a written dispute with supporting documentation ( payment confirmations, portal screenshots, and the chat transcript ). 

In summary : I made two payments within the first ~2 months ( XX/XX/year> : {$1000.00} ; XX/XX/year> : {$1800.00} incl. {$25.00} late fee ). 

On XX/XX/year>, a negative late/past-due credit notation appeared immediately after I followed the agents guidance and paid. 

I received no due-date or past-due notice before the derogatory reporting. 

I attempted to resolve this directly with XXXX  and was told only to submit a written dispute, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting tied to my XXXX XXXX XXXX  XXXX ending XXXX. I am a XXXX XXXX XXXX XXXX impacted consumer and an Equifax Data Breach impacted consumer. Because my personal identifiers were compromised, the accuracy of my file is of the highest importance. 

Despite repeated disputes, Equifax, Experian, and TransUnion continue to publish inconsistent and derogatory late payment information that conflicts directly with the actual account status : Paid, Closed, and {$0.00} balance. 

Equifax continues to show derogatory 30-day late payments from XXXX  while simultaneously reporting the account as Paid with a XXXX balance. 

Experian reflects the same account as Paid with {$0.00} balance, yet also codes late payments and derogatory status, which is contradictory.

TransUnion lists the account as Closed, Paid, and {$0.00} balance, but still carries negative late payment notations and conflicting OK codes in the payment history.

These conflicts across bureaus prove that the data can not be verified to Metro 2 standards. An account can not simultaneously be reported as Paid/Closed/ {$0.00} balance and still carry late payments or derogatory status. This violates : 15 USC 1681e ( b ) failure to assure maximum possible accuracy 15 USC 1681i failure to reasonably reinvestigate after disputes 15 USC 1681n/o willful and negligent noncompliance by continuing to publish unverifiable data I have already demanded validation from the bureaus, but none have provided original source documentation from the creditor proving the alleged delinquency. Instead, they continue to recycle contradictory and misleading data after prior disputes. 

Because of these errors, I have suffered harm through unfair credit denials and increased interest rates. I am asking the CFPB to intervene and compel the credit bureaus to : Permanently DELETE all late payment remarks associated with this XXXX XXXX  auto loan Update the account uniformly across all three bureaus to Paid as agreed, Closed, {$0.00} balance, with no derogatory remarks Anything less allows the bureaus to continue willful noncompliance and publish harmful, unverifiable data in violation of federal 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