vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: AR

Complaint narrative:
I recently obtained a copy of my credit report and discovered several accounts that I do not recognize and did not authorize. I believe these accounts are the result of identity theft. Please investigate and remove all fraudulent accounts and any related information from my credit file, as they are negatively impacting my ability to obtain credit.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my 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 non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am submitting this complaint as a consumer who is actively working to repair my credit. After reviewing my Experian credit report, I found several charged-off accounts and an inquiry that I believe are being reported inaccurately, inconsistently, or without proper verification. 

* * Charged-Off Accounts in Dispute ( Experian ) : * 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 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 Several of these accounts show XXXX balances yet remain reported as charged off, and others appear to be duplicated or reported differently across other credit bureaus. I am requesting Experian to fully verify the accuracy, balances, ownership, and reporting status of each account. Any account that can not be properly verified should be corrected or removed. 

* * Inquiry in Dispute ( Experian ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not recall authorizing this inquiry and request verification of permissible purpose. 

I respectfully request that Experian conduct a thorough investigation and ensure my credit report reflects only accurate and verifiable information.

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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have an open account with Portfolio Recovery, account number ending in XXXX. This is for a charged off XXXX XXXX credit card. I have consistently made minimum payments and this account is within good standing. 

On XX/XX/year>, I accepted a settlement offer through the companies website for 55 % off the balance. I put in my debit card number to charge for the settlement amount. A week later, I noticed that the payment amount had not come out of my checking account. Thinking it was an error, I posted the monthly payment. I logged onto the company website and it stated " the payment plan has been cancelled on XX/XX/year> ''. 

On XX/XX/year>, I ( again ) accepted a settlement offer through the companies website for 54 % off the balance. I put in my debit card number to charge for the settlement amount. A week later, I noticed that the payment amount had not come out of my checking account. Thinking it was an error, I posted the monthly payment. I logged onto the company website and it stated " the payment plan has been cancelled on XX/XX/year> ''. 

On XX/XX/year>, I ( again ) accepted a settlement offer through the companies website for 58 % off the balance. I put in my debit card number to charge for the settlement amount. A week later, I noticed that the payment amount had not come out of my checking account. Thinking it was an error, I posted the monthly payment. I logged onto the company website and it stated " the payment plan has been cancelled on XX/XX/year> ''. 

On XX/XX/year>, I ( again ) accepted a settlement offer through the companies website for 59 % off the balance. I put in my debit card number to charge for the settlement amount. A week later, I noticed that the payment amount had not come out of my checking account. Thinking it was an error, I posted the monthly payment. I logged onto the company website and it stated " the payment plan has been cancelled on XX/XX/year> ''. 

On XX/XX/year>, I called Portfolio Recovery XXXX and spoke with a representative who gave me XXXX different answers. First, the representative stated that the " XX/XX/year> charge was still in process ''. Second, she told me that " the payment was declined same day ''. When I asked the representative what happened to the other settlement agreements since XXXX, she did not have an answer. When I asked the representative who cancelled the payment, she said " she did not show why it was cancelled ''. I received XXXX very different conflicting stories. 

At this point, this company is still charging me the agreed upon monthly payment with no understanding or acknowledgement that I have accepted settlement offers for XXXX ( XXXX ) months in a row now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
Cascade Capital Funding LLC has sold a fraudulent debt to multiple debt collectors. I have submitted proof that this debt is not mine multiple times and have filed multiple complaints with CFPB regarding this debt.

This debt has once again hit my credit report this morning XX/XX/year> by XXXX XXXX XXXX XXXX. 

Previous closed complaints with CFPB XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
I do not recognize these accounts as mine and request removal within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 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: IN

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-12-16 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XXXX, I received a pre-approval offer for a XXXX Capital One XXXX XXXX credit card. I accepted the offer and submitted a {$190.00} security deposit to open the account. I received the card and used it within the terms of the XXXX XXXX. 

I later received a phone alert stating Capital One intended to close the account and that I would receive written notice explaining the closure. I never received any notice by mail or electronically. 

After XXXX  days with no communication, I contacted Capital One in early XXXX to inquire about the account. At that time, I was informed for the first time that the account was delinquent and would be reported negatively to the credit bureaus. I was also told the account had been closed by Capital One, that Capital One had the right to terminate the agreement, and that I would receive notice of the reason for closure by mail. No notice was provided. 

I requested a final bill and asked that this account not be reported negatively, as Capital One elected to terminate the secured credit relationship. I was later told that I had not received billing statements or notices because I was enrolled in paperless billing. However, I never received any electronic statements or closure notices either.

Capital One has since assessed late fees and interest on charges I was never made aware of, without providing a final statement or clear accounting. I have repeatedly offered to pay any legitimate balance owed in order to resolve this matter and end the relationship. 

On XX/XX/year>, between approximately XXXX AM and XXXX AM, I spoke with Agent XXXX ( ID XXXX XXXXXXXX ), who stated that the long-overdue closure notice would be emailed to me within XXXX business days. As of this complaint, I have still not received it. 

This situation has caused financial hardship and credit damage, particularly because this account was intended as a credit-building tool. XXXX XXXX  lack of notice, failure to provide billing statements, and continued negative credit reporting are unfair and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I disputed an alleged debt with Wakefield and Associates because I believe it is not valid. I never received any further billing from the hospital they claim is the original creditor, XXXX XXXX XXXX, nor did I ever receive any correspondence from this collection company stating that I owed them a debt. I only found out after the law prohibiting medical debt from appearing on credit reports was overturned, and I was denied my mortgage pre-approval due to these accounts being reported. 
On XX/XX/year>, I sent a certified debt validation request, which they received on XX/XX/year> ( confirmed by return receipt ). I also provided documentation from the original creditor showing a XXXX balance. 
Despite multiple follow-ups ( calls on XXXX and XXXX, and XXXX email consents for electronic delivery ), I have received no validation or any substantive response. The collector continues to ignore my requests, violating FDCPA 809 ( b ), which requires them to cease collection until verification is provided, including reporting these debts to the credit bureaus. 
I am requesting CFPB assistance to compel the collector to either validate the debt or cease all collection activity and remove these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
Just like I thought I filled out another dispute over XXXX XXXX XXXX  early this morning and by XXXX they already had that it didn't change they did run dispute so I called him back so the girl is calling the company and going to put me on the phone with him but see they hadn't contacted them and then they keep putting on there that I'm doing over the amount I'm also doing the way that they show it on the credit report they're showing the creditor has got it showing closed well they're showing it closed charged off written off collection account you can't have all of those XXXX or the other and then they're putting their own input updating it the creditor 's not updating it they are they've got the amounts wrong they've got blank where it says the payments and they've been doing this for XXXX over XXXX years and I'm not going to do it I want it completely removed from my credit I've already lost XXXX mortgages tried to get borrowed to get a house I'm homeless and they ruin me to work I couldn't get loans now I'm trying to do it again and everything looks good on my other XXXX but they won't do anything but they've got their fingers in it and it's all messed up look at the way that they're reporting the credit they can't do that when the creditor stops reporting

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 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: OH

Complaint narrative:
I am filing a complaint regarding inconsistent, inaccurate, and unclear delinquency information being reported and displayed on my auto loan account. 

The lenders online servicing portal shows conflicting information that makes it impossible to determine my true delinquency status : XXXX screen shows a Next Due Date of XX/XX/2025, with a Payment Due of {$550.00}, suggesting only XXXX payment is due. 
Another screen simultaneously shows a Past Due Amount of {$870.00}, without identifying how many payments are actually delinquent. 
Late charges are shown inconsistently across categories ( e.g., Miscellaneous Late fees vs. Late Charges XXXX ), while also showing {$0.00} late charges due. 
There is no clear explanation of how the past-due amount was calculated or which amount is required to cure the alleged delinquency. 

Despite contacting the lender, I have been unable to obtain a clear, consistent explanation of : How many payments are actually past due How the past-due amount was calculated Which amount must be paid to bring the account current This appears to be a loan servicing error and billing misrepresentation, not a refusal to pay. As a borrower, I am entitled to accurate and transparent account information. The current presentation of my account is misleading and inconsistent.

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 2025-12-16 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: TX

Complaint narrative:
This listing is incorrect and does not belong to me.

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 2025-12-16 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:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

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 2025-12-16 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: NV

Complaint narrative:
The details shown dont match my actual financial behavior. Id be grateful if you could review everything and make the necessary updates.

Company response to consumer: Closed with non-monetary relief