vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-11-27 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:
Kindly inspect the attached materials ; the inquiries came without prior notice and could be unofficial.

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 2025-11-27 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute several items on my credit report that I believe are inaccurate or incomplete. Below is a breakdown of the disputed accounts, separated by bureau : Charged Off XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$150.00XXXX XXXX XXXX, XX/XX/XXXX, {$710.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$12000.00} Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-27 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
I am requesting a dispute investigation for the following charged-off account and inquiries on my TransUnion credit report. Please verify the accuracy of the listed items and make any necessary corrections. 

Charged-Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX OAG XXXX XXXXXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CIG FINANCIAL LLC
State: MD

Complaint narrative:
XXXX. CHARGE-OFFS IDENTIFIED A. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX This appears on XXXX  with explicit Charge Off status. 

Evidence : XXXX lists : Status : Charge Off Balance : {$2500.00} Account Number XXXX XXXXXXXX ( Credit card account opened XX/XX/XXXX ) B. XXXX XXXX Multiple Charge-Off Notations XXXX XXXX XXXX XXXX shows multiple repeating XXXX entries in payment grid. 

Evidence : XXXX Charge Off displayed repeatedly Full grid showing XXXX/charge-off markers Important : These charge-off entries appear on XXXX but not on XXXX XXXX XXXX, confirming bureau-to-bureau inconsistency, which is a violation of FCRA 607 ( b ) ( maximum accuracy ) and 623 ( a ) ( 1 ) ( furnisher duty to report accurately ). 

XXXX. LATE PAYMENTS IDENTIFIED A. XXXX XXXX Days Late ( XXXX XXXX XXXX reports the account as : Pay Status : >Account XXXX Days Past Due XXXX XXXX : {$130.00} Opened XX/XX/XXXX This late payment does not appear in the same manner on XXXX XXXX XXXX ( inconsistent reporting ). 

XXXX XXXX  Late Payment XXXX XXXX shows : XXXX late : XX/XX/XXXX XXXX late : XX/XX/XXXX These correspond to the XXXX XXXXXXXX account listed above. 

XXXX. COLLECTION ACCOUNTS IDENTIFIED A. Multiple XXXX XXXX  Account Codes ( XXXX XXXX XXXX ) XXXX payment grid shows the definition : XXXX XXXX Account ( appears in the XXXX XXXX XXXX XXXX ) However, in visible extracted chunks, no specific account is shown with XXXX, indicating possible mismatch or partial extraction. 

XXXX XXXX  Collection-Type Patterns XXXX  shows extended XXXX  ( charge-off ) and non-payment since XXXX for several charge-off accounts. Charge-offs that remain open with no payments often transition into collections, though the display shows XXXX instead of XXXX. 

XXXX. ACCOUNTS WITH SIGNIFICANT XXXX INCONSISTENCIES XXXX. XXXX XXXX Charge-Off Appears on XXXX  Appears as repeated charge-off on XXXX Not shown on XXXX extracted content This violates FCRA 607 ( b ) and 623 ( a ) ( 1 ). 

XXXX. XXXX Appears late on XXXX  Missing from XXXX XXXX shows different reporting This is another XXXX mismatch. 

XXXX. XXXX XXXX  XXXX as Open / Never Late on XXXX Does not appear in XXXX XXXX XXXX extracts This is a reporting omission violation unless confirmed otherwise in hidden pages. 

SUMMARY OF NEGATIVE ITEMS TO DISPUTE You have at least : XXXX confirmed charge-off ( XXXX XXXXXXXX ) Multiple XXXX  ( charge-off ) accounts shown on XXXX XXXXXXXX accounts with XXXX payments ( XXXX XXXX XXXX  ) At least XXXX account reported on only XXXX bureau ( XXXX XXXX XXXX inconsistencies violating FCRA 602 ( A ), 607 ( b ), 611 ( a ), 623 ( a ) This qualifies ALL of these accounts for deletion due to being unverifiable, inaccurate, and inconsistently reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax & XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 1

5 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In genera
llf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-11-27 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: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after you conducted an investigation. I would like to get this item immediately reinvestigated. You have once again violated my consumer rights. The inaccurate information has been detrimental to my credit score. XXXX Accounts ( XXXX XXXXXXXX and XXXX XXXX ). Under The Fair Credit Reporting Act, Public law 91-506, Title VI Section 611 Subsection A-D, I ask that you please provide the business addresses and names of the individuals you have verified the account, so that I may follow up with them. I also ask that you please provide me with an updated copy of my credit report after your reinvestigation.

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 2025-11-27 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: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after you conducted an investigation. I would like to get this item immediately reinvestigated. You have once again violated my consumer rights. The inaccurate information has been detrimental to my credit score. XXXX Accounts ( XXXX XXXXXXXX and XXXX XXXX ). Under The Fair Credit Reporting Act, Public law 91-506, Title VI Section 611 Subsection A-D, I ask that you please provide the business addresses and names of the individuals you have verified the account, so that I may follow up with them. I also ask that you please provide me with an updated copy of my credit report after your reinvestigation.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
CFPB COMPLAINT PORTFOLIO RECOVERY ASSOCIATES Consumer Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XX/XX/year> Email : XXXX Phone : XXXX XXXX : XXXX Company : Portfolio Recovery Associates Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$2800.00} I am filing this complaint because Portfolio Recovery Associates is reporting an account that remains unverified, inaccurate, and legally defective. This account continues to damage my credit profile and financial stability, yet the collector has not presented ANY legal documentation validating this debt. 
I requested validation under FDCPA 15 U.S.C. 1692g, including : Itemized payment history Original creditor contract with my wet signature Written consent authorizing access to my personal information Full chain of title Assignment documentation Evidence of insurance claims Method of verification used to furnish data Portfolio Recovery has ignored these legally required validation steps and has continued reporting this account. This violates : FDCPA Violations : 1692g ( b ) Continued reporting without validation 1692cc Prohibited collection activity during dispute 1692e False representation of debt 1692f Unfair collection practices FCRA Violations : 1681e ( b ) Information is not accurate or consistent 1681i ( a ) ( 1 ) ( A ) No reasonable investigation by the bureaus 1681i ( 5 ) ( A ) Unverified items must be deleted 611 ( 15 USC 1681i ) Improper reinvestigation procedures Portfolio Recovery does not have permissible purpose to collect or furnish my information. I never authorized access or reporting. 
Requested CFPB Action : Require full validation or permanent deletion of the account Investigate violations of FDCPA & FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Issue Type : Credit card account closed without explanation ; rewards confiscated What Happened On XX/XX/year>, Capital One abruptly closed my XXXX XXXX XXXX  account ending in XXXX without any explanation other than a vague statement that activity was inconsistent with typical customer usage. They did not identify any issue, did not contact me beforehand, and did not request verification. My account was current and in good standing, and I have always paid on time. 

The day before closure, my official Capital One statement ( attached ) showed that I had XXXX rewards miles in my account ( Page XXXX of my statement from XX/XX/XXXX ). These points were earned entirely through legitimate business spending. 

Capital One confiscated all XXXX XXXX points without explanation, despite the fact that I paid for them through real spending. This represents a very large financial loss. I did not violate any terms, and no fraud or misuse occurred. 

I received a closure letter stating I must destroy the card, but it did not disclose that my points would be seized, nor did it provide any adverse action explanation required under federal law. 

My statement also shows that my balance is {$69000.00}, with a clearly listed due date of XX/XX/year> ( Page XXXX ). I am fully willing and able to pay this balance on time Capital One simply removed my rewards and shut down the account without cause. 



What I Want Capital One to Do XXXX. Reinstate the full XXXX rewards miles that were removed upon closure. 
XXXX. Provide a clear, detailed explanation of the reason for the account closure. 
XXXX. Allow me to pay the existing balance by the normal due date ( XX/XX/year> ). 
XXXX. Ensure no negative information is reported to credit bureaus. 
XXXX. Supply any records or internal findings that were used to justify closing my account. 



Why This Resolution Is Fair My account was current, active, and had substantial legitimate business spending. 
My statement proves I earned the points legally ( Page XXXX shows XXXX rewards balance ). 
They provided no details, no opportunity to respond, and no fraud allegations. 
Confiscating earned rewards without explanation is both financially damaging and unfair. 



Supporting Documentation Provided Capital One closure letter from XX/XX/year>. 
Capital One XXXX XXXX XXXX statement for XX/XX/XXXX showing : Rewards Balance : XXXX ( Page XXXX ) Account current & active New Balance : {$69000.00} Payment Due Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the following items on my Equifax credit report : XXXX XXXX : No accounts listed for dispute. 

Inquiries : No accounts listed for dispute. 

Positive : No accounts listed for dispute. 

Late Payments : XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am writing to dispute the following items on my credit report, which I believe to be inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I borrow some money from my friend on the XXXX of XXXX so I kept the money there until this XXXX I went to use my card at the store and said insufficient fund I login into my account and saw some transactions to some unknown chime tag so I called chime and they help me file a dispute but they did not help me get the money back please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX because they are reporting a {$130.00} XXXX XXXXXXXX XXXX account to Experian and Equifax even though the debt has never been validated. I disputed the account directly with the collection agency and requested proper validation under FDCPA 1692g ( b ). XXXX XXXX never mailed any documentation, never validated the debt, and never proved that I owe this debt or that they have the legal right to collect it. 

Despite failing to validate the debt, the company continues to report the account to the credit bureaus. This is a violation of FDCPA 1692g ( b ), which requires a collector to cease collection and reporting activity until validation is provided. They also failed to mark the account as disputed as required under FCRA 623 ( a ) ( 3 ). Additionally, they have not reported the Date of First Delinquency, which is required under FCRA 623 ( a ) ( 5 ). Because of these failures, I can not confirm the accuracy, ownership, or validity of the debt. 

I also disputed this account with both Experian and Equifax, and XXXX XXXX still did not provide evidence to verify the account during reinvestigation. The reporting has inconsistent information across bureaus, and XXXX has not proven the debt belongs to me or that it is legally enforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am disputing several charged-off accounts and inquiries listed on my Equifax credit report. I request that Equifax thoroughly investigate these items and make the necessary corrections or removals if they can not be verified. 

Charged Off : XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9400.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account No : XXXX

Company response to consumer: Closed with non-monetary relief