vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am a consumer working to resolve inaccuracies on my credit report and have identified several items that require investigation. Below are the details of the disputed accounts across the XXXX credit bureaus : TransUnion ( XXXX ), INQUIRIES XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXXXXXX XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
upon me reviewing my credit reports i noticed that fradulent accont

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and incomplete information that is being reported on my credit report. Below are the details of the accounts in dispute, separated by bureau : Charged Off XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Inquiries XXXX Date : XX/XX/XXXX Late Payments XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
A joint balance with my wife she reported was incorrect and they have yet to change or provide dispute resolution due to them purchasing incorrect balance. I have the court documented amount reported on my XXXX. The collector service has the incorrect balance reported on their website and records for both me XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a dispute regarding the accuracy and completeness of information reported on my credit reports. Below are the accounts in dispute, separated by bureau. 


CHARGED OFF BANK XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$750.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$3100.00} XXXX XXXXXXXX - XXXX, XX/XX/XXXX, Balance : {$340.00} XXXX  - XXXX, XX/XX/XXXX, Balance : {$22000.00} XXXX BANK XXXX - XXXX, XX/XX/XXXX, Balance : {$760.00}

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 2025-11-17 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: AZ

Complaint narrative:
I am filing this complaint because TransUnion is reporting XXXX charge-off accounts that are simply not accurate, and despite my attempts to resolve this directly, nothing has changed. These accounts are being presented as verified charge-offs, but the information does not match my records, my history, or anything that TransUnion has been able to legitimately confirm. When I reviewed the details, the dates and balances were inconsistent with what I actually owed at the time, and the creditors themselves did not provide proper verification when I asked. Yet TransUnion continues to publish them as if they were fully confirmed. 

Because I have been dealing with credit reporting issues for months now, I took the time to understand my rights under the Fair Credit Reporting Act. I learned that furnishers are only allowed to report information that is accurate and can be backed up by real records. I also learned that credit bureaus have a responsibility to correct information once the consumer notifies them that it is wrong. These charge-offs violate that standard. When inaccurate charge-offs are allowed to sit on a report, it harms the consumer in a way that is both unfair and unnecessary. I have been denied credit, faced higher insurance quotes, and have had to put major life plans on holdall because these items make it look like I walked away from debts that were never correctly documented in the first place. 

The most frustrating part is feeling like I have to constantly prove myself even though the law requires the bureaus and furnishers to make sure the information is right before placing it on my file. Instead, the burden shifts to me every time I try to explain why something is wrong. I am exhausted from repeating the same explanations, and yet the inaccurate charge-offs remain exactly where they are.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Paid off loan on XX/XX/2025 Account report date at the end of the month which hasnt happened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 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: GA

Complaint narrative:
This is a formal complaint against XXXX student loan service XXXX marked my account XXXX  days late to all XXXX  credit bureaus. At which time payments were being made XXXX every month. Please see attached document. XXXX loan servicers must mail a written notice at lease XXXX  days before reporting a late payment to credit bureaus. Emails or online statements do not satisfy this requirement. 
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) protects borrowers by ensuring loan servicers provide proper notice before damaging credit scores. 
Direct Loan & FFEL program- 34 C.F.R 682.411 requires multiple written notices. Therefore, XXXX is in direct violation of my Fair Credit Report Act. I am requesting proof that XXXX loan servicer mailed the required written notice before reporting the late payment. I am also requesting that the XXXX  days late be removed from all XXXX  credit files no later the XX/XX/XXXX. 
Thanks in XXXX XXXX XXXX XX/XX/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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a formal complaint against XXXX student loan service XXXX marked my account XXXX  days late to all three credit bureaus. At which time payments were being made XXXX every month. Please see attached document. XXXX loan servicers must mail a written notice at lease XXXX days before reporting a late payment to credit bureaus. Emails or online statements do not satisfy this requirement. 
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) protects borrowers by ensuring loan servicers provide proper notice before damaging credit scores. 
Direct Loan & FFEL program- 34 C.F.R 682.411 requires multiple written notices. Therefore, XXXX is in direct violation of my Fair Credit Report Act. I am requesting proof that XXXX loan servicer mailed the required written notice before reporting the late payment. I am also requesting that the XXXX  days late be removed from all XXXX  credit files no later the XX/XX/XXXX. 
Thanks in XXXX XXXX XXXX XX/XX/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 2025-11-17 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: NC

Complaint narrative:
I am requesting that Equifax conduct a full reinvestigation into the following charged-off accounts, inquiries, and late payment entries. Some of these items may be inaccurate or unverifiable. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$480.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$490.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$890.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$710.00} UNAUTHORIZED COLLECTION, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$490.00} Please verify : Balance amounts Charge-off dates Account ownership and status If these accounts can not be verified, I request they be removed from my report. 

INQUIRIES XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX Please verify that these inquiries were authorized by me. If no documentation can be provided to show that I initiated or approved these inquiries, I request they be removed from my credit report. 

LATE PAYMENTS XXXX, XXXX XXXX XXXX, XXXX Please verify the late payment history for these accounts. If the furnisher can not confirm the dates and amounts, I request that these late payments be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am requesting an investigation into the following items on my TransUnion credit report that appear to be inaccurate : Charged-Off Accounts : XXXXXXXX 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, Inquiry Date : XX/XX/XXXX Requested Action : I request that TransUnion investigate these items with the original creditors and correct any inaccuracies in 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint because multiple accounts on my credit report appear inaccurate, outdated, and unverifiable, and my previous dispute has not been fully resolved. I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable investigation of any disputed information and remove items that can not be verified.

Despite providing documentation and submitting a prior dispute, the following accounts remain on my report without proper verification : Charged-Off Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts show conflicting information about balances, dates, and charge-off status. I request the bureau contact the original creditor for verification, and if they can not provide documentation, these accounts must be removed. 
Collection Accounts XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts appear duplicated, incomplete, or unverifiable. Some may have been sold or reassigned, but I have not received evidence proving proper ownership or assignment. Continuing to report these accounts without verification violates both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).


Additional Concerns Some debts may be reported multiple times under different names or account numbers. Certain accounts may be beyond the seven-year reporting limit under FCRA 605 ( a ). Reporting is inconsistent across bureaus, suggesting inaccuracy in violation of FCRA 1681e ( b ).

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 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
Prestige refused to cooperate with my insurance company. They also told me not to redeem the vehicle on my own to wait until they investigate to make sure that it was safe for me to do so or until they found out what happened to the vehicle according to prestige, the vehicle was redeemed per their request to take to their lot from that point on they refuse to communicate anymore in regards to the vehicle being adjusted repairs I informed prestige that my insurance company progressive has my vehicle keys already and would like to see the vehicle to get it towed to a repair shop. No one from prestige ever back in communication with progressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
This issue is with both Experian and Equifax, as I've already gotten this issue deleted from Transunion. There are two accounts on my credit report with these companies from XXXX XXXX XXXX that's missing information. The Last Payment Date is missing which makes it impossible to calculate the dates those accounts should be removed. I've submitted several disputes asking both reporting companies to update or delete the information from my credit report, and they keep saying that the information has been upadted. The thing is, it's never updated. There is no last payment date for either account, on both of my credit report ( with Equifax and Experian ). So. I'm asking you all to act on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the following accounts and entries on my credit report, which I believe to be inaccurate or misreported. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you thoroughly investigate these items and take the necessary steps to correct any discrepancies found. Below are the details for each bureau, separated for clarity : Inquiries : EX ( Experian ) : XXXX, XX/XX/XXXX Late Payments : EX ( Experian ) : XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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