vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting an inaccurate and illegally re-aged XXXX XXXX collection account. 

My official TransUnion XXXX shows : Estimated Removal Date : XX/XX/XXXX This means the Date of First Delinquency ( DOFD ) is XX/XX/XXXX, because negative information must be removed 7 years after the DOFD. 
However, XXXX XXXX is reporting this account as Opened : XX/XX/XXXX, which is 3 years after the actual delinquency. 

This is illegal re-aging under : FCRA XXXX ( a ) ( XXXX ) ( failure to report the correct DOFD ), and FCRA XXXX ( c ) ( prohibition on changing the XXXX to extend the reporting period ). 

I contacted XXXX directly, and they confirmed that my account was suspended in XXXX, and that there was no active service after that point. This aligns with the XXXX being in XXXX, not XXXX. 

XXXX XXXX has also failed to provide any validation or documentation to me to support this debt, despite it being disputed. They never supplied : The original XXXX XXXX contract Itemized billing Proof of assignment or ownership A breakdown of charges after suspension Any explanation for why they reported the account as opened in XX/XX/XXXX Additionally, the credit reporting bureau TransUnion has now verified this inaccurate information multiple times, despite not providing ANY documentation to me. 
My disputes were resolved within 2 days and 9 days, which is not enough time for a reasonable investigation, violating FCRA XXXX ( a ) ( XXXX ) ( A ). 

I have screenshots showing : My disputes filed through TransUnion ( via XXXX XXXX ) Both disputes marked as Denied without documentation The same inaccurate XXXX opened date The XX/XX/XXXX estimated removal date confirming DOFD of XX/XX/XXXX Because XXXX XXXX is reporting incorrect dates, and because TransUnion failed to conduct a reasonable investigation, this account is inaccurate, misleading, and non-compliant with federal law. 

I am requesting that the CFPB investigate the following violations : XXXX. Illegal re-aging of my account by XXXX XXXX XXXX. 
XXXX. Failure to report the correct Date of First Delinquency ( DOFD : XX/XX/XXXX ). 
XXXX. Failure to provide debt validation under FDCPA XXXX ( b ). 
XXXX. Inaccurate reporting of a XXXX opened date. 
XXXX. Failure by TransUnion to conduct a reasonable investigation under FCRA XXXX. 
XXXX. Continued reporting of information that is inaccurate and unverifiable. 

Requested Resolution : I am requesting that XXXX XXXX XXXX and TransUnion delete this collection account from my credit reports, as it is inaccurately reported, legally re-aged, and unverifiable. 

I am also requesting written confirmation once the account has been removed. 

Thank you.

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 2025-12-03 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:
I found inaccurate and unverified information on my credit reports. My file shows a late payment reported by XXXX XXXX XXXX XX/XX/XXXX, but I was never provided any documentation proving that a payment was actually due and unpaid on that date. No billing statement, payment ledger, or delinquency notice has ever been supplied. I also discovered a hard inquiry from XXXX Card dated XX/XX/XXXX that I did not authorize. I disputed these items with the credit bureaus and the companies involved, but no documentation was provided to validate the accuracy of the late payment or to prove that I gave permission for the credit inquiry. Under the Fair Credit Reporting Act, furnishers must maintain and provide evidence that supports any derogatory information they report, and credit inquiries require clear permissible purpose and consumer authorization. Since no proof was provided and the bureaus still reported these items as verified, the information remains inaccurate and has negatively impacted 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 2025-12-03 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-12-03 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 is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: EVERBANK, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Received an email ( an email that I do not use for any personal business ) that an account was opened in my former name on XXXX. I did not authorize an account opening nor did I open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
I reviewed my Equifax credit report on XX/XX/year> and found multiple accounts reporting inaccurate, incomplete, or unverifiable information. The following furnishers appear to have violated my rights under the Fair Credit Reporting Act : 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 furnishers reported information that does not meet the maximum possible accuracy standard required under XXXX USC XXXX ( b ). 

Under XXXX USC XXXX ( a ) ( XXXX ), when information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or correct that information and notify the furnisher. That did not happen. 

Under XXXX USC XXXX, furnishers may not provide information to a credit bureau if they know or have reasonable cause to believe the information is inaccurate. These accounts continue to appear on my report despite not meeting FCRA accuracy requirements. 

This situation violates my rights to accuracy, privacy, and proper handling of my personal information. 

I consent to publication of this description on consumerfinance.gov after the CFPB removes my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of XXXX U.S.C. XXXX ( 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 2025-12-03 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of XXXX U.S.C. XXXX ( 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi closed my accounts on XXXX, when I called in because XXXX of my cards was being declined ( thought it was a fraud alert ). 

The reason given to me was " too many new accounts '', in other words Citi thinks I've opened too many credit cards since being approved for their XXXX XXXX card ( on XX/XX/year> ). However, I've opened XXXX ( one ) new account since that date, which was XXXX  days later, on XX/XX/year>. Not only is my credit utilization extremely low ( across all my accounts, which included the Citi XXXX XXXX ), this singular new account was the only XXXX opened since then, and my account was closed nearly XXXX months later for this? 

It doesn't make any sense at all- when I called to ask what happened, I even got a rep who thought this was a closure by mistake ; she looked over everything and was equally confused as to what happened. However, I've appealed twice with them since, and they've refused to reopen my accounts. 

The consequences of this include an inquiry on my credit report for this Citi XXXX XXXX card that has proven to be entirely detrimental, having received no benefit from ever having this card. Additionally, now my accounts will show closed by creditor and will harm my credit scorXXXX, when I've done absolutely nothing to deserve that blemish. I also had earned a XXXX point bonus for having hit the spend on this card, and I left those points in my account ( had no reason to think I needed to get them out of the account, which I would have done if I thought I was in any danger of being closed ), which are now forfeited, proving to be extremely costly. Additionally, Citi made me verify my income by submitting an IRS form XXXX, which I did ( but had to pay for postage to send these forms twice ), and then this account closure occurred shortly after my accounts being unlocked ( they were unlocked because Citi was successfully able to verify my identity and income with the IRS ). Ultimately, I only had functional access to this card for maybe XXXX weeks of the almost XXXX months that this account was " open ''. 

In summary, Citi has directly harmed my credit report without due cause to do so, and has stripped me of rightfully earned reward points, all with having strung me along through this miserable verification process that I finally passed, just to have this happen.

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 monetary relief
Consumer complaint received 2025-12-03 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 a consumer actively working to correct and improve my credit report. Below are the details of the accounts that I am disputing, separated by the credit bureau for your review. I respectfully request that these issues be investigated and resolved accordingly. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXXXXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXXXXXX XXXX  XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX, XX/XX/XXXX, Balance : XXXX XXXX XXXX, XX/XX/XXXX, Balance : XXXX Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681.The accounts below have violated my rights.15 U.S.C 1681 section 602A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Anyother adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate.Delete the accounts below : Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-03 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: Allure Retention Solutions
State: MD

Complaint narrative:
Company was support to help with my past mortgage payment, but after paying {$3000.00} they didn't fix anything or help with anyway. Was in worst place from working with them. After contacting my mortgage company at the end ( Was told they didn't do anything but take my money ). now XXXX  back working with the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: DE

Complaint narrative:
The accounts listed as charged-off under Experian are erroneous and do not reflect my true payment history. I demand immediate investigation and correction. 

XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} These late payments listed on my Experian report are incorrect, and I insist on their immediate correction. I will not accept any further delays. 

XXXX XXXX XXXX  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 2025-12-03 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: IL

Complaint narrative:
I dont recognize these accounts and didnt give permission for them. Please look into this and remove them. Ive shared supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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