vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following items listed on my TransUnion credit report. I believe these entries contain inaccuracies, including possible violations of the Fair Credit Reporting Act ( FCRA ) and data breach concerns. Please investigate these items thoroughly and provide me with a corrected report. I am exercising my rights under the FCRA and request that the following be addressed.

1. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance : {$11000.00} Dispute Reason : This account has been inaccurately reported as " Foreclosure or Repossession '' despite no repossession event or foreclosure having occurred on the account. According to the FCRA, items in dispute must not be reported as accurate without verification.

The late payment status is inaccurately reported. I only experienced 30-day late payments once and 60-day late payments three times, but I dispute these events based on incomplete reporting of my payment history. Missing 30-day or 60-day late payments prior to the 90-day late, which should have been recorded, is a violation of the FCRA Section 1681e ( b ), requiring accurate and complete reporting.

Data Breach Concern : Given the high balance and status of this account, I am concerned that there may have been a data breach or unauthorized access to my account information, which could have contributed to the misreporting. Under the FCRA, I am entitled to dispute any data that may have been improperly reported due to a breach.

2. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account has been inaccurately marked as Collection or Charge Off. I am disputing this as I believe the collection status is not accurate, and the account has been inaccurately reported as a loss. This violates the FCRA 's requirement for accuracy in reporting.

Additionally, there is no mention of any resolution or payment arrangement on this account, and I believe that this entry may contain errors in how it was reported.

According to FCRA Section 1681i, I am entitled to request a more detailed investigation and correction of the account status.

Data Breach Concern : Given the inaccuracies and the collection status, I am also concerned that a data breach or unauthorized access could have led to the erroneous reporting of this account. Under the FCRA, I am entitled to challenge data if it was compromised or reported incorrectly due to such an event.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please inspect the provided files ; the questions showed up unannounced and might not be approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I disputed an alleged apartment debt being collected by Professional Debt Mediation , Inc. for XXXX Point Apartments. On XX/XX/year>, I sent a written validation request asking for my signed lease agreement, the move-out inspection with my signature, an itemized ledger with receipts or invoices, security-deposit accounting, and proof of collection authority. The company did not provide any of these documents. Instead, they sent only a one-page internal ledger that does not verify the debt. 

On XX/XX/year>, I sent a second written notice requesting complete validation or, if they could not provide it, that they cease collection activity and request deletion or suppression of the tradeline. I also asked that they mark the account as disputed by consumer. They did not respond to this notice and have continued to allow the account to appear on my credit reports without proper validation. 

The company has continued collection efforts and credit reporting without providing the documentation required under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting that the company either fully validate the debt with proper documentation or cease collection and delete or suppress the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I made a cash deposit into the ATM add a U.S. Bank ATM I deposited around {$4000.00} On XX/XX/XXXX, I sent a XXXX of {$700.00} for my garage to be repaired. I had access to my account then. Shortly, after on the sixth, I tried to make a purchase using my ATM card when noticing that it was declined, I then went to my app and noticed it wouldnt allow me to login and popped up a message to contact customer service upon contacting customer service the account was flagged and was in review in due to be closed. I then went to the branch after talking on the phone and getting no answers, and the branch was unable to provide me information as to when I would have access to my funds and or my account.

I spent hours of calling daily and going into the branch almost daily trying to figure out when I was going to have access to my money as I had a balance of {$5400.00}. I wasnt given any information. I was just told to wait until the end of month and at the end of the month, I would receive a cashier check in the mail. I waited until XX/XX/XXXX when receiving nothing constantly calling the customer service hotline and being provided no information just the runaround. I still have no access to my money I was given a new date of XX/XX/XXXX at the account was due to be closed and that I would receive a reason why and the cashiers check I have yet to have access to my money and it is now ongoing 60 days causing a financial hardship. I am a mother of two kids and this was my only savings money. Im not getting any answers or getting any reason as to why my account was closed and why Im being withheld from my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting verification for the items below due to conflicting reporting or questionable accuracy. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2100.00} INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  ( XXXX entries ) 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 2025-11-24 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: CT

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following items because they appear inaccurate, incomplete, or improperly reported. Some accounts show inconsistent dates and balances when compared to other bureaus. I am requesting verification, correction, or removal as required under the FCRA. 

Charged Off Accounts XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$930.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00} Late Payments XXXX XXXX XXXX XXXX XXXX XXXX

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

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 2025-11-24 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: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX fl XXXX My XXXX  year-old son DocuSign the loan agreement docs. The dealership knew or should have known he was a minor yet had him sign the retail installment sales contract via DocuSign. I was present but was never told that a minor can not legally bind himself to an auto loan in Florida, and the dealership never asked for his age or ID. 

There were unauthorized add ons the dealership charged. When disputed the dealership said to bring the car back they are cancelling the loan and or repossessing the vehicle. 

I advised my minor son completed the DocuSign Within days the dealership admitted multiple times in writing and by text that the contract is null and void because a minor signed it ( see attached screenshots/texts ). They threatened to cancel the loan with Capital One, threatened to repossess the vehicle, and demanded I immediately return it. also said if capitol one wants new signatures, they will not allow it. 

Capital One funded the loan anyway. When I called, Capital One repeatedly told me we werent there and that this is between me and the dealership. 

Under Florida law a contract signed by a minor is voidable. My son has formally disaffirmed the contract. The FTC Holder Rule printed in the Capital One contract makes Capital One subject to all defenses I have against the seller including minors disaffirmance. 

I want : XXXX. Capital One to cancel the loan immediately and report {$0.00} balance to all credit bureaus XXXX. Full refund of my down payment and any payments made XXXX. The dealership to take back their vehicle and return me to my pre-purchase position. 

I have been ready to return the vehicle since the day the dealership first admitted the contract was void, but they refuse to make arrangements to pick up the dealership inventory vehicle. I have since removed the insurance since the dealership advise this is null and void. 

Attached : Screenshots of dealership texts/emails admitting minor signed and contract is null and void Photos/screenshots of my son signing via DocuSign Any threatening emails/texts about repo or mileage charges Please intervene and require Capital One to honor the FTC Holder Rule and cancel this loan originated on a voidable minors contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Top Line Collectors LLC
State: LA

Complaint narrative:
I have asked Top Line Colkectors to stop calling until submit proof of debt. Advise FDCPA call attempt state laws. Top Line collector calls my phone more than 3 tines a day even after two verbal attempts to request to stop contacting me yet continue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please examine the attached items ; the questions arrived without warning and might be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I would like all those different names & addresses removed 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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last 4 ) : XXXX DOB : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Request for Deletion of Unverified Accounts ( FCRA 609 & 611 ) To Whom It May Concern, I am formally disputing several accounts on my credit report that appear inaccurate, unverifiable, incomplete, or improperly reported. I request a full reinvestigation under FCRA 609 ( a ) and 611 ( a ).

Below are the accounts I dispute : 1. XXXX XXXX XXXX XXXX Credit Card ( Acct : XXXX ) Charge-Off Reporting contains repeated charge-off months not supported by payment records.

Past dispute notation requires reinvestigation with documentation under FCRA 623.

Request : Delete due to unverifiable reporting and incomplete data.

2. XXXX XXXX XXXX XXXX XXXX. ( Acct : XXXX ) No verification of ownership or itemization of debt.

Debt buyer can not validate chain of title.

Request : Delete due to lack of verifiable documentation.

3. XXXX XXXX XXXX XXXX XXXX XXXX. ( Acct : XXXX ) No debt validation notice received as required by the FDCPA.

Dates and balance appear unverified.

Request : Delete due to failure to validate and inaccurate reporting.

4. XXXX XXXX XXXX XXXX  ( Acct : XXXX ) Balance is inflated and unsupported by any lease ledger or move-out statement.

Prior dispute was not properly reinvestigated with evidence.

Request : Delete due to unverifiable charges and missing documentation.

FCRA Request Under FCRA 611 ( a ) : If any item can not be fully verified using supporting documentation, it must be deleted.

Please provide your method of verification, including the name and contact information of each furnisher.

I request written results within 30 days.

Thank you, 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 non-monetary relief