vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MN

Complaint narrative:
3rd & finale dispute attempt creditor refuses to produce any or all documentation to prove the debt. I have disputed this item on three different occasions.

Reporting account after dispute 15 U.S.C. 1681i FAILURE TO REINVESTIGATE Relying on automated e-OSCAR responses Verifying without contract or note Not providing verification documents Failing to delete unverifiable info 15 U.S.C. 1681s-2 ( b ) DUTY TO INVESTIGATE AFTER A DISPUTE Verifying without supplying contract No signed application No promissory note No itemized charges Continuing to report after identity theft claim

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 2025-12-08 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 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-08 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received an Indigo Mastercard in the mail from a company I have never applied to or had any prior relationship with. The card was never activated by me, and I did not authorize this account in any way. I contacted the issuer to report the account as fraudulent and requested closure and removal. I am requesting this account be deleted from my credit report, as it was opened without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
So previously I had a checking account and it was in a deficit of XXXX XXXX which was paid eventually, but then i had re opened a new account with chase because that one was closed, and a few days later that account was also closed, i have went to the chase bank branch in person and got no information was told to call customer service and same thing no information as to what led to my account being closed. I am now told my relationship has been terminated with the bank for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I lived in an estate twice. I had a debt when I lived there the second time, I owed old rent charges. Ive provided a receipt showing I paid that debt, but they wont stop reporting. They will not take it off my 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 explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am filing this complaint because one or more accounts on my credit reports are being reported with material inaccuracies and inconsistencies across the three major credit reporting agencies. The main account ( s ) in dispute are : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX After carefully reviewing my credit reports from all three bureaus, I identified clear discrepancies in how this account is being reported ( balance, dates, status, payment history, and/or other critical fields ). The information is not the same across all three reports and, in some cases, appears incomplete or conflicting. I have attached copies highlighting these differences. 
As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to a report that is accurate, complete, and verifiable. Sections 607 ( b ) and 611 ( a ) ( 15 U.S.C. 1681e ( b ) and 1681i ) require the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to conduct a meaningful reinvestigation when I dispute an item. Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they know or should know is inaccurate.

I have already disputed this account directly with the credit bureau and provided documentation showing the inconsistencies. However, the bureau appears to have relied on automated verification rather than obtaining and reviewing the original, underlying documentation from the furnisher. The reporting remains inconsistent and, in my view, not fully verified as required by law.

Because of this, my credit file does not reflect a fair and accurate picture of my credit history. This can affect my ability to obtain credit on fair terms, may increase my cost of borrowing, and creates unnecessary risk and confusion for any lender who reviews my 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 2025-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
I am filing a complaint against North Lane Technologies, an Onbe , Inc. company, which was contracted by XXXX XXXX XXXX to issue refunds under {$400.00}. The card issuer is obstructing my access to refunded funds and engaging in practices that appear to violate state and federal consumer protection laws. XXXX issued the refund via this card, but the handling of the card by North Lane Technologies is the subject of this complaint.

1. Inconsistent and misleading fee disclosures The documentation provided with the prepaid card lists two different fee amounts for the same monthly fee. This is contradictory, misleading, and not something I agreed to. The card also provides no ATM access, which further limits my ability to access my funds.

2. Transaction declines and deactivation without explanation When attempting to use the card, transactions were repeatedly declined. The card was later deactivated due to these declines. At no point did North Lane Technologies provide a valid explanation for the declines or the deactivation. Instead, I was told I could attempt the transaction again only after waiting one hour, but no reason was given for the restriction.

3. Difficulty accessing a live agent It took several attempts, navigating a confusing automated system and pressing random options, to reach a live agent. When I finally spoke to a live representative, they either hung up on me or stated they had no information about why the transaction was declined. There is no clear or reliable method to contact a live agent, making it extremely difficult to resolve disputes or obtain information about my funds.

4. Potential violations of federal and state law These actions appear to violate : Electronic Fund Transfer Act ( EFTA ) and Regulation E failure to provide required error-resolution procedures, meaningful access to account information, and explanation of declines or deactivation.

CFPB Prepaid Rule ( 12 CFR Part 1005, Subpart B ) inconsistent fee disclosures, inadequate customer-service access, and lack of transparency regarding transaction restrictions.

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA, Fla. Stat. 501.204 ) misleading fee documentation, obstructed access to funds, and poor customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
I discovered fraudulant inquiries on my file XX/XX/XXXX. Mailed out a dispute letter express 1 day mail with comfirmation of reciept, siting fraud and FCRA violations that same day XX/XX/XXXX. I contacted Trans Union LLC on XX/XX/XXXX and spoke with XXXX regarding the inquiry removals and was refused deletion along with refusal to speak to a manager about the situation. Below is the letter that was sent to Trans Union LLC along with a letter from XXXX and other docs sent to Trans Union that I'll attach below. 
XXXX XXXX DATE : XX/XX/XXXX XXXX : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO : TRANS UNION XXXX CONSUMER DISPUTE CENTER ) P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it concerns : Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. You are in VIOLATION of this law because I am a victim of identity theft! Please delete items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in direct VIOLATION under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL VIEW to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the the deletion of the following inquiries listed happen IMMEDIATELY. 

ACCOUNT NAME DATE REASON FOUNDERS FCU XXXX FRAUD XXXX XXXX XXXX FRAUD XXXX XXXX XXXX FRAUD Sincerely, 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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-08 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: IL

Complaint narrative:
A fraudulent account previously removed from my credit report has been reinserted by the credit bureau without following FCRA reinsertion requirements. I did not receive the mandatory five-day reinsertion notice, nor did the credit bureau provide the required furnisher certification of accuracy under FCRA 611 ( a ) ( 5 ) ( B ).

I have an identity theft report on file, yet the bureaus ( specifically the supervisor by the name of XXXX XXXX ) are refusing to block the fraudulent account, claiming the creditor is still investigating. This violates FCRA 605B, which requires blocking of fraudulent information within four business days, and prohibits reinsertion unless the furnisher provides proof that the account belongs to me.

The credit bureau also attempted to shift the burden to me by telling me to contact the creditor for verification, which violates the bureaus statutory duty to obtain verification themselves.

I am requesting the CFPB to enforce compliance with : FCRA 611 ( a ) ( 5 ) ( A ) ( B ) ( reinsertion rules ) FCRA 605B ( identity theft blocking ) Improper reinvestigation handling Improper assignment of consumer responsibility I am requesting immediate deletion/blocking of the fraudulent account and documentation of any certification used for reinsertion. Case number for this call is 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 2025-12-09 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-09 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: MO

Complaint narrative:
The lender reported a 60-day late payment despite a verbal agreement to place payments on hold during an active dispute and investigation tied to auto fraud and a wrongful repossession. The repossession was reversed, and payments were added to the back end of the loan term, confirming that I was not supposed to be reported late. They also said I was 102 days late when they repossessed the car in XXXX but I havent made a payment since XX/XX/year> so how am I only 102 days late. We agreed upon putting the payments on hold and just putting them on hold on the back of the total until this dispute is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

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 2025-12-09 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MS

Complaint narrative:
I have a negative report from regions bank on my credit over seven years old that the credit bureaus will not take off, and Ive disputed it several times. They wont even let me dispute it anymore

Company response to consumer: Closed with explanation