vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$1000.00}

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 2025-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
on XXXX I received a {$50.00} XXXX visa gift card as part of a promotion for buying the oral b. The card expires on XXXX. I misplaced the card and recently found the card I discovered that there were XXXX charges made to this card in XXXX on my balance now. I never made these charges that are in another state and I reside in Arizona. I contacted XXXX gift card disputes on XXXX case number XXXX. I had no reason to believe that the visa gift card had been used before I received it in XXXX. XXXX gift card dispute denied to approve my dispute and I feel taken advantage of. XXXX has been very difficult to contact and the phone number on their letter is no longer working. I feel that an investigation was never thoroughly done on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Please look into the materials shared ; the inquiries arrived without prior alert and might not be authorized.

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 2025-10-28 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: AR

Complaint narrative:
I previously submitted a dispute regarding several inaccurately reported items on my credit report, including charge-offs, collections, closed accounts, and an inquiry associated with a disputed account. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2800.00}, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$420.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2100.00}, XXXX ( originally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2500.00} ), XXXX XXXX ( originally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1.00} ), and a XXXX inquiry dated XX/XX/scrub>XXXX Upon review, these items appear to contain discrepancies, incomplete information, or unverifiable reporting, which negatively impacts my credit profile and may violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite my initial dispute, I have not received verification, explanations, or written confirmation regarding the results of the reinvestigation. This lack of response constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ), which grants consumers the right to dispute inaccurate or incomplete information and request a reasonable reinvestigation, as well as FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires that all information reported be accurate and verifiable.

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 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XXXX XXXX I was XXXX and on that date my checking account balance was XXXX On that same date I with drawled XXXX before being XXXX  from the ATM. On XXXX XXXX I used the ATM at the XXXX XXXX  to withdraw XXXX for the XXXX XXXX  and then I used my card again in the amount of XXXX for a room at the XXXX  XXXX  in XXXX, Ms . I was locked back up for a XXXX hold so my wallet and everything else was left behind. I was XXXX  from XXXX XXXX- XXXX XXXX and all my money was gone when I returned. I did not give permission to anyone like Capital One nor a business called XXXX  to take money from my account. I wan na dispute all 15 deductions. I did not give permission for any of those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
My Vanilla Gift Card ( Number : XXXX ) had an unauthorized transaction over 40 days ago. I filed a dispute and my card was frozen. I have been unable to access my {$35.00} balance or get a status update despite previous contact. Your standard customer service has been unhelpful. This is a formal request for an immediate status update on my dispute and the release of my funds. I am filing a parallel complaint with the CFPB today. I called them they told me to wait, I did and now I cant even check the balance on the website, it talks about a vpn and stuff like that, I tried for XXXX weeks straight trying to solve the problem, I originally reported a problem for a fraud since someone spent all {$35.00} on my card and I had to wait a time period and its been past that time period. I wish to get my money back and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am filing this complaint against TransUnion, LLC for violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/scrub>, 2025, I submitted an initial dispute to TransUnion regarding inaccurate information on my credit file, and on XX/XX/year>2025, I submitted a Method of Verification ( MOV ) request. TransUnion deleted XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX ( original creditor : XXXX XXXX XXXX  ), but reported that XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  were " verified and updated. '' TransUnion failed to provide the method of verification or the furnishers contact information as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Their reinvestigation appears automated and inadequate, violating FCRA 611 ( a ) ( 1 ) ( reasonable reinvestigation ) and 607 ( b ) ( duty to assure 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 2025-10-28 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I ordered a dishwasher on XX/XX/year> from wayfair and used bread financial to finance it. It was on backorder so i cancelled it on XX/XX/year> and wayfair refunded the charge to bread financial. For some reason they didnt refund the full amount and left {$28.00} on the account without me realizing. Once i found out i had to call wayfair multiple times before i got them to refund the remainder. Despite this being a cancelled order i never recieved, bread financial and XXXX refuse to remove the late payments reported to my credit report. This was a mistake on wayfair 's part and i never had a charge to be late paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re XXXX Final Demand for Full Validation Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXccount ) To Whom It XXXX Concern, This letter serves as a final notice and formal demand for full legal validation of the alleged debt you claim to own for the XXXX  XXXX account ending in XXXX. Your recent response to my CFPB complaint did not satisfy your obligations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

You failed to provide any verifiable proof that this debt is valid or that Portfolio Recovery Associates ( XXXX ) has the legal right to collect or report it. A summary, internal record, or billing statement from XXXX XXXX is not proper validation. 
Federal courts have repeatedly held that such documents do not meet the requirements of FDCPA 809 ( b ). Providing them as validation is misleading and a direct violation of federal law.

You are hereby notified of the following : You have not validated this alleged debt.

You have not produced a signed contract, chain of assignment, or itemized accounting.

You are continuing to report an unverified account to the credit bureaus in violation of FCRA 611 ( a ).

Demand for Immediate Action You have 10 days from receipt of this letter to provide full legal validation, including : The original signed contract bearing my signature ; The bill of sale and chain of assignment showing the transfer from XXXX  XXXX to PRA ; A complete itemized statement showing how the balance was calculated ; and Proof that PRA is licensed and bonded to collect in Illinois.

If you fail to provide this documentation within the required timeframe, you are to : Immediately delete this account from XXXX XXXX XXXX XXXX  ; and Cease all collection activity permanently. 

If you continue to report, verify, or attempt collection without proper validation, I will file a civil lawsuit against Portfolio Recovery Associates for violations of FDCPA 809 ( b ) and FCRA 611 ( a ).

Each violation carries statutory damages up to {$1000.00} plus attorneys fees and costs.

This is not a request for explanation or summary it is a final demand for verifiable proof. 
If you can not produce it, remove the account immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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 submitting a complaint regarding multiple inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). My report lists the name XXXX XXXX XXXX, which I have never used or been associated with, and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is not mine. This personal information must be removed under FCRA 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy.In addition, several accounts are inaccurately reported. My XXXX XXXX account is marked as late closed with a XXXX balance, which is misleading. XXXX XXXX and XXXX accounts are both reported as charge-offs, though they have been resolved, and XXXX is also falsely listed as a charge-off despite being paid in full.My XXXX XXXX account ending in XXXX and AMEX account ending in XXXX, with a reported balance of {$1300.00}, are inaccurately shown as charge-offs with a remaining balance of {$1200.00}. These debts were cancelled and reported to the IRS via XXXX XXXX XXXX confirming forgiveness and that the creditors no longer have the right to collect.I am also disputing an unauthorized inquiry from XXXX dated XX/XX/year> XXXX which violates FCRA 604 ( a ) ( 3 ) as I did not grant permission for this inquiry. It must be removed immediately.Under FCRA 611 ( 15 U.S.C. 1681i ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I am submitting a complaint regarding multiple inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). My report lists the name XXXX XXXX XXXX, which I have never used or been associated with, and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is not mine. This personal information must be removed under FCRA 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy.In addition, several accounts are inaccurately reported. My XXXX XXXX account is marked as late closed with a XXXX balance, which is misleading. XXXX XXXX and XXXX accounts are both reported as charge-offs, though they have been resolved, and XXXX is also falsely listed as a charge-off despite being paid in full.My XXXX XXXX account ending in XXXX and AMEX account ending in XXXX, with a reported balance of {$1300.00}, are inaccurately shown as charge-offs with a remaining balance of {$1200.00}. These debts were cancelled and reported to the IRS via XXXX XXXX XXXX confirming forgiveness and that the creditors no longer have the right to collect.I am also disputing an unauthorized inquiry from XXXX dated XX/XX/year> XXXX which violates FCRA 604 ( a ) ( 3 ) as I did not grant permission for this inquiry. It must be removed immediately.Under FCRA 611 ( 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 non-monetary relief
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate account currently being reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C. 618i ) Dispute inaccurate information with credit bureaus ; FCRA 623 ( a ) ( 2 ) Duty of furnishers to correct and update inaccurate information ; FCRA 623 ( b ) Furnishers duty to investigate disputes ; and FCRA 602Congressional findings emphasizing fairness, accuracy, and integrity in credit reporting. The account listed below contains inaccurate reporting and requires correction or verification. 
XXXX XXXX XXXX Balance : {$56000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
I am submitting this formally dispute several inaccuracies and obsolete information appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Prohibiting obsolete or outdated information from being reported ; FCRA 623 ( a ) ( 5 ) Obligating furnishers to report accurate Date of First Delinquency ( DOFD ) ; FCRA 604 ( a ) ( 3 ) Limiting inquiries to those made with a permissible purpose. These items contain errors that misrepresent my credit history, account status, and identifying information. I request a full reinvestigation and correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Account included in Bankruptcy : XXXXXXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX Reference # : - XXXX Date Filed/Reported : - XX/XX/XXXX XXXX Bankruptcy Court XXXX  XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
I am submitting this formally dispute several inaccuracies and obsolete information appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Prohibiting obsolete or outdated information from being reported ; FCRA 623 ( a ) ( 5 ) Obligating furnishers to report accurate Date of First Delinquency ( DOFD ) ; FCRA 604 ( a ) ( 3 ) Limiting inquiries to those made with a permissible purpose. These items contain errors that misrepresent my credit history, account status, and identifying information. I request a full reinvestigation and correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Account included in Bankruptcy : XXXXXXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX Reference # : - XXXX Date Filed/Reported : - XX/XX/XXXX XXXX Bankruptcy Court XXXX  XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : 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 non-monetary relief
Consumer complaint received 2025-10-28 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 am submitting this complaint to formally request the correction of inaccurate information on my credit file. My goal is to ensure that my credit report accurately reflects my payment history and account statusesnot to request removal of valid accounts. 
While reviewing my recent credit report, I noticed that my XXXX XXXX account ending in XXXX with a balance of {$4900.00} is reported as XXXX days late in XX/XX/XXXX and XXXX  days late in XX/XX/XXXX, even though my payment records clearly show that all payments were made on time. Similarly, my XXXX XXXX XXXX  account ending in XXXX with a balance of {$1400.00} is shown as XXXX  days late in XX/XX/XXXX, despite my consistent record of timely payments. Furthermore, several XXXX accounts ending in XXXX, with balances ranging from {$880.00} to {$3700.00}, are reported as XXXX  days late in XX/XX/XXXX and XXXX  days late in XX/XX/XXXX. These inaccurate late payment reports are repeated across multiple accounts with balances of {$2800.00}, {$3700.00}, {$2100.00}, {$2800.00}, {$880.00}, {$2300.00}, and {$2900.00}, yet my records demonstrate that all scheduled payments were made promptly and on time. 
Under the Fair Credit Reporting Act ( FCRA ), I have several rights that support this correction request. FCRA 607 ( b ) / 15 U.S.C 1681e ( b ) requires furnishers and credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information reported. The repeated misreporting of late payments on my accounts constitutes a violation of this provision. Likewise, FCRA 623 ( a ) ( 1 ) ( A ) / 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers report accurate information to credit bureaus, and failure to correct inaccuracies is noncompliant with federal law.

Furthermore, FCRA 611 ( a ) / 15 U.S.C 1681i ( a ) grants me the right to dispute any inaccurate information and requires that any unverifiable or incorrect data must be corrected within XXXX  days. Finally, FCRA 609 ( a ) / 15 U.S.C 1681g ( a ) ensures my right to obtain complete disclosure of all information in my credit file, which allows me to identify and dispute inaccuracies effectively.

In light of these provisions,

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