vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
CFPB Complaint Draft Portfolio Recovery & XXXX  I am filing a complaint against Portfolio Recovery Associates ( PRA ) and XXXX for reporting and verifying an address I have never lived at : Incorrect address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX furnished this address to Experian without documentary evidence. I have never lived at this location and have no ties to it. 
This violates : - FCRA 607 ( b ) - FCRA 623 ( a ) ( 1 ) ( A ) - FDCPA 807 ( 8 ) - FCRA 611 XXXX  refuses to process my dispute, claiming PRA verified it. PRA can not verify what does not exist.

I request CFPB intervention to : 1. Remove the incorrect address.

2. Require PRA to provide proof or cease furnishing.

3. Correct all reporting affected by this false address.

4. Review for FCRA damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 am disputing the following items on my TransUnion credit report because they XXXX contain inaccuracies or unverifiable information. I request that TransUnion conduct an investigation under the FCRA to ensure accuracy. 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm the permissible purpose for each inquiry or remove those that are unauthorized. 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 late payments XXXX be incorrectly reported. Please verify and correct the details as necessary.

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 2025-12-01 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: TX

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Texas Attorney General to report XXXX XXXX XXXX and XXXX XXXX XXXX for failing to comply with federal debt validation laws. Despite my written request under FDCPA XXXX ( b ), they refused to provide required documentation, including proof of ownership, chain of title, and signed contract. 
They continue to report inaccurate information to credit bureaus without proper validation, in violation of FCRA 623 ( a ) ( 3 ) and have refused to cease collection during dispute as required under FDCPA.

Requested Actions : - Investigate legal compliance of debt ownership - Require full validation before further collection - Request deletion of unvalidated tradeline from credit bureaus - Impose penalties for noncompliance

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 2025-12-01 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: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BetterNOI, LLC
State: MI

Complaint narrative:
XX/XX/year> This letter contains data taken directly from my credit report : Hard inquiry # XXXX : Screening Reports INC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hard inquiry # XXXX : XXXX Card Address : XXXX XXXX XXXX XXXX, DE XXXX I am writing to dispute XXXX hard inquiries that appear on my credit report. I did not authorize these companies to access my credit file, and I did not apply for credit with them. Because these inquiries were not initiated or approved by me, they are inaccurate and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

I request that your agency investigate these inquiries, provide the method of verification, and remove them from my credit report if the companies can not provide documented proof of my authorization. 

Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE 15 U.S.C. 1681 ET SEQ. Section 611 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail/email an updated credit report reflecting these changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 under 15 USC 1681.

15 U.S.C 1681 section 602 A. 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 Any other 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: UT

Complaint narrative:
Called early XXXX to ask about balance transfer option and was told I could transfer the amount to my personal bank account to use at several different other cards. They said they would transfer it to me electronically which would take a few days. 
Called the other banks to make sure it was possible and there were no other fees. All was ok. 
Called AAA Visa back ( US Bank ) to initiate the transfer of {$8000.00} to my checking account. This was XXXX. 
Several days go by, then a week, no money, but it's been pulled from the AAA credit card. I call back 3 times and get told that they sent a paper check ( WHY???? ) and they sent it to the WRONG ADDRESS when it should have been made electronically anyway. 
I call back again and get someone who apologizes and says they put a stop check on it and will initiate the electronic transfer. That was a week ago and there's still nothing. 
I call back YET AGAIN today and get a rude person who won't give me any info and just says a paper check has been mailed. I questioned them for at least XXXX mins and they wouldn't give me ANY other information other than a paper check was sent on XX/XX/XXXX and I should check with the other bank, even though the person on XX/XX/XXXX told me they had initiated an electronic transfer. 
This rude rep refuses to transfer me to anyone else and said they put in for a supervisor call ( which the lats person ALSO said and NO ONE has called me ) but then at the end of the call they said that the check has a stop check on it- why wouldnt they tell me that first????? 
WHERE IS THIS MONEY AND WHATS GOING ON????? I cant even use this card now for anything else because there is XXXX XXXX  tied up in this ridiculousness - PLUS THE ASSOCIATED FEES!!!! - and no one can tell me where the money is!!!!! And now I have to move money in other accounts that all have exorbitant fees so now I am stuck not just paying several times the initial fees there should have been but losing out on interest from other accounts all because this bank can't get its process and communication straight!!!!!

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 2025-12-01 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: VA

Complaint narrative:
There was an unintended credit card application from XXXX XXXX bank that resulted in a hard inquiry on my credit report. This inquiry came in on XX/XX/year>. The next day on XX/XX/year>, I called XXXX XXXX to remove/delete the application and they have done so but there is still the problem of the hard inquiry on my report. I have called experian multiple times to assist but received information that was vague and unhelpful to my situation.

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 2025-12-01 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: IL

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

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

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

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

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

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 1681eb. 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. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2025-12-01 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 reviewing my Equifax credit report and have found a charged-off account that appears to be inaccurate or unverifiable. I request that Equifax conduct a full investigation under the FCRA to verify the accuracy of this account. 

CHARGED OFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX This account may not be accurately reported. Please verify the account details, including the balance and the reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-01 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:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist Bank advertises a XXXX XXXX XXXX XXXX. I waited for XXXX minutes on the telephone, but their Representative refused to accept my call.

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 2025-12-01 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
It's a capital one card I only owed, {$300.00} it went up to {$600.00} I got hurt I financially dead I had to get my son outta of XXXX XXXX cause after COVID and from getting sick I lost everything even my job cause I was working for a friend off the books XXXX XXXX.... Put my kid in public school and still can't work living with me and my boy plus house hold of bills and food check to check never thought I had to wait for free food banks for stuff can't afford to pay this bill tried to get in touch but when I did they didn't care .. here 's the report # XXXX. Capital one in collections.. I pray to XXXX that I can get things straightened again but today I walk with a XXXX XXXX XXXX XXXX XXXX XXXX  and taken care a mother who's XXXX XXXX XXXX XXXX XXXX XXXX check to check..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX. Identity Theft XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit 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 2025-12-01 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 ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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