vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I have reviewed my credit profile and noticed inquiries/ or collection that i have not given written Instruction to 3rd to report to my file. According to The FCRA this is in violation of 15 USC 1681b -PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT. 
LIST ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 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 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 XXXXXX/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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint because I have incorrect account status and balance information still being reported on my XXXX  credit report. 

XXXX. XXXX XXXX This account was charged off and closed in XXXX, but it is still reporting a balance of {$1400.00} and being included in my revolving utilization. This is inaccurate and damaging my credit score. XXXX confirmed that they are no longer collecting on this debt. Per the FCRA, the original creditor must report a {$0.00} balance once a debt is charged off and no longer being collected. 

2. Capital One This account was also charged off and closed. I was directed by Capital One to contact XXXX XXXX XXXX, which shows the debt has been assigned to a third-party agency. However, Capital One is still reporting a {$460.00} balance, which is misleading and inflating my credit utilization. This balance should also be updated to {$0.00}. 

XXXX. XXXX  I attempted to dispute both of these accounts through XXXX online dispute process, but my submission was blocked and returned with an error stating that the trade line was soft deleted and the dispute could not be processed. This denied me my legal right to a reinvestigation under the Fair Credit Reporting Act. 

I am requesting that these accounts be properly updated across all bureaus to reflect accurate status and {$0.00} balances, and that my revolving utilization be recalculated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint because I have incorrect account status and balance information still being reported on my Experian credit report. 

XXXX. XXXX XXXX This account was charged off and closed in XXXX, but it is still reporting a balance of {$1400.00} and being included in my revolving utilization. This is inaccurate and damaging my credit score. XXXX confirmed that they are no longer collecting on this debt. Per the FCRA, the original creditor must report a {$0.00} balance once a debt is charged off and no longer being collected. 

XXXX. XXXX XXXX This account was also charged off and closed. I was directed by XXXX XXXX to contact XXXX XXXX XXXX, which shows the debt has been assigned to a third-party agency. However, XXXX XXXX is still reporting a {$460.00} balance, which is misleading and inflating my credit utilization. This balance should also be updated to {$0.00}. 

XXXX. Experian I attempted to dispute both of these accounts through Experians online dispute process, but my submission was blocked and returned with an error stating that the trade line was soft deleted and the dispute could not be processed. This denied me my legal right to a reinvestigation under the Fair Credit Reporting Act. 

I am requesting that these accounts be properly updated across all bureaus to reflect accurate status and {$0.00} balances, and that my revolving utilization be recalculated accordingly.

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 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX to me Portfolio Recovery never informed me of their involvement with the alleged debt. The initial letter containing my right to dispute was sent to the wrong address, so I never received it and was not given a fair opportunity to respond. I have no knowledge of owing any debt, and I was denied the chance to address this issue early on. 



In XX/XX/XXXX, Portfolio Recovery filed a lawsuit against me and served it to an incorrect address as well. As a result, I had no idea I was being sued, and a judgment was entered against me without my knowledge. I only found out about the lawsuit when I received a call regarding wage garnishmentagain, without having been properly served or notified. 



It was only after this call that I began investigating and discovered that Portfolio Recovery had been involved in this matter as far back as XXXX. Since then, Ive been requestingon a weekly basismy financial records and documentation proving the validity of the debt, but my requests have been consistently ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-16 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: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ive always been years and months ahead of my car payment lately I would say since a couple of months Ive noticed unusual transactions history changes, payment changes, due dates change, opposite from the information and the contract I originally signed with, to mention two of my recent payments I made one on the principal and the other on monthly payments which pushed it further to XXXX, XXXX. 
But now they have made up new schedules which asks me to pay in three days apart and they come up with their own fabricated rules, Ive documents to prove everything written here, Ive found it to be an abuse, let me give some history, when i make a payment in XXXX for the amount of {$8000.00} that pushed my account years ahead this is when the monthly scheduled payment was {$270.00} after the big payment payment lowered to {$180.00} and my next payment after the big payment due wasnt until XXXX the XXXX XXXX, yet I made the last couple of months two big payment the last one being {$540.00} and it pushed it to XXXX next year, regardless of my payment history from my bank the loan company is threatening to assess late fees with the intent of repossession of the vehicle, I have found this to be troubling because out of the {$16000.00} loan I only have {$1400.00} left to pay off, and was never late In payment With Ally bank auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Please provide original signed promissory note signed by men

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-06-16 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: MD

Complaint narrative:
I disputed a charge-off account from XXXX opened XX/XX/XXXX that is materially inaccurate, incomplete, and unverifiable. TransUnion continues to report this tradeline with no payment history from XXXX, and XXXX blank months on the payment chart. The balance ( {$8200.00} ) is higher than the highest balance ( {$7300.00} ), which is mathematically impossible. 

The last payment was made on XX/XX/XXXX, yet TransUnion reports the account as updated on XX/XX/XXXX, which appears to be illegal re-aging. 

The account shows $ 0 monthly payment and no loan terms for a charged-off installment loan making the data both incomplete and misleading. I also requested documentation of the charge-off, loan terms, payment breakdown, and method of verification, none of which has been provided.

TransUnion is in violation of the FCRA under : 1681e ( b ) ( failure to ensure maximum possible accuracy ) 1681i ( a ) ( failure to investigate ) 1681g ( failure to disclose full file ) 1681i ( a ) ( 7 ) ( failure to provide method of verification ) I am requesting immediate deletion of this account or {$1000.00} per violation in damages under FCRA 1681n. Supporting images and documents are attached.

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 2025-06-16 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because XXXX has inaccurately reported a 90-day delinquency for XX/XX/year> on my student loan, while failing to report any data for XXXX and XX/XX/year>. This is misleading and factually incomplete, constituting a violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires furnishers to provide information that is both accurate and complete. 

I submitted a formal dispute on XX/XX/year>, challenging the accuracy of this tradeline. On XX/XX/year>, XXXX verified the information, yet provided no documented evidence or payment records to justify how a 90-day delinquency is possible without any prior 30-day or 60-day late entries. This failure to conduct a reasonable investigation is a violation of FCRA 1681s-2 ( b ). 

Initially, TransUnion and XXXX removed the account from my credit profile, acknowledging the issue. However, XXXX  retained the tradeline, and recently, the negative account was reinserted back into both TransUnion and XXXX, despite no new supporting documentation being provided. This raises serious concerns about compliance with FCRA reinsertion requirements and further evidences negligent data handling by XXXX. 

This inaccurate and unverifiable reporting has significantly harmed my credit score and my ability to obtain financing. I am requesting that the CFPB take immediate action to : Investigate XXXX  handling of this dispute, Determine whether a proper reinvestigation occurred, And require permanent deletion of the tradeline unless XXXX can provide complete and verifiable payment records showing XXXX, XXXX, and XXXX late payments. 

Thank you for your attention to this matter.

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