vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-10 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
i first saw this collection on my account on XX/XX/year> I did not receive any prior notification written or otherwise which is a direct violation/ and requirement under 15 U.S.C . 1692g ( a ) the amount is XXXX dollars I WANT THIS REMOVED FROM MY REPORT it was reported to equifax. the Company is ABSOLUTE RESOLUTIONS INVESTMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I made my XXXX late payment in XXXX XXXX I had to pay the {$41.00} late fee and I did.I called and they told me once a year the can waive the late fee and it would be credited to my account I thought that was great, XXXXThis month of XX/XX/XXXX I am late again by a few days so I know I'll have to pay the XXXX bucks and I did.Now they are saying my min payment is 102 month for Dec.Its not dec yet so how can you charge me a late fee before it's due.I called and didn't get an answer to make any sense.Im not paying that late fee. ALSO they never did get my XXXX credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC for repeated failure to properly validate a debt they are reporting under account number XXXX, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I initially reached out to Portfolio Recovery in XX/XX/scrub>XXXX XXXX XXXX XXXX and XX/XX/scrub>XXXX XXXX requesting full validation of the alleged debt, including documentation showing the original signed agreement, the complete chain of assignment from the original creditor, and a full account history showing how the balance was calculated. 

Despite multiple requests, the company has repeatedly failed to provide any of these required documents. Instead, they sent limited transactional summaries that do not prove ownership, assignment, or the accuracy of the balance. 

Portfolio Recovery continues to report this account to the credit bureaus despite their inability to provide proper validation, effectively engaging in continued collection activity on a disputed debt. They have also refused to remove or suppress the account, claiming that the only way to remove it is to claim fraud, which is misleading and not compliant with the FDCPA. 

Their refusal to validate while continuing to report has caused ongoing harm to my credit profile, affecting my ability to obtain financing and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-10 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX/XXXX I emailed Transunion a request for my full file which includes my tenant file at XXXX in accordance with the Fair Credit Reporting Act. This request included a copy of my Georgia Driver 's license and my Social Security Number. Every couple of years I email Transunion and request this and they send it directly to my email so I'm fully aware of this process via email. On XX/XX/year> I receive an email from XXXX with a file number # XXXX requesting further information and telling me to resubmit my request. Five minutes later I resubmitted my request along with my current mailing address. 

Since then I haven't received my file either through email or my mailing address which is XXXX XXXX XXXX, XXXX, GA XXXX. It's just been on going and I feel like all of this is being done on purpose. I've received a few emails stating that they were waiting on responses from creditors first yet Transunion never sent me an initial report to examine in the first place. I've called the company already via phone 3 times and still nothing. One of their foreign employees who I believe is in XXXX was very rude and hung up in my face. Then I spoke with an XXXX lady over the phone last week who alleged that she was putting in a request to have the report sent to my email within 24 hours and that never happen. Then today was the last straw when I spoke to a representative named XXXX over the phone who outright refused to send me anything due to the fact that he said today that they all of a sudden just changed their policies. He told me to call some random company that they were now partnering with called XXXX XXXX XXXX and request it. I told him that they were violating my rights by refusing to send me a copy of my file and that I would be filing this complaint. XXXX could careless and it showed. I called the company that they referred me to an no one would pick up the phone so the customer service is nonexistent. 

I've attached copies of the email correspondences between Transunion and I since XX/XX/year>. If I apply for an apartment within the next 30 days and get denied due to any error on my file that I wasn't given a right to examine prior in full compliance with the FCRA then I'm officially putting Transunion on notice that I will retain an FCRA lawyer and sue in Federal court.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Good afternoon. I received written correspondence from CareCredit on XX/XX/year> that says they denied my request for a credit line increase. The problem is : I never made a request to increase my credit line. In fact, I no longer use this card, and am working to pay down my balance so I can cancel it. I would also like to share that, prior to this concerning incident, they recently upgraded me from a regular CareCredit card to a CareCredit mastercard without my approval, which caused some issues in managing my account that they were not helpful in resolving. 

Overall this is very concerning behavior, and it appears that this " credit line increase request '' that I absolutely did not request has taken a hit on my credit.

It is unclear to me if this is fraudulent activity or an accident, but the last few times I've reached out to them directly for support their customer service is absolutely awful to deal with, and frankly I'm tired of them.

I am very concerned about this company and their practices, and I think this needs to be looked into. And if there is a way to undo whatever hit this made to my credit I would like to know how to go about that. 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 2025-11-10 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 disputing the reported charge-off status of this account as it is inaccurately reflected on my credit report. I request that Equifax conducts a thorough investigation to verify the correctness of this reporting and remove any erroneous entries. 

XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MS

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-10 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: FL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Aidvantage reported a 90-day late payment in XX/XX/year> on my student loan, but I was not aware that a payment was due at that time. I did not receive clear or timely notification that my account had entered repayment or that a payment was missed. No alerts or correspondence indicated that the account was becoming delinquent, let alone approaching a 90-day status. I have always been a responsible borrower, and I addressed the balance immediately once I became aware of the issue.

I contacted Aidvantage to explain that I never received proper notice regarding the due date or the delinquency. I requested a correction or a goodwill adjustment, but I did not receive a meaningful or helpful response. The 90-day late mark has significantly harmed my credit despite the fact that the situation stemmed from a lack of communication, not intentional nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-11-10 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: MN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I never applied for credit with or gave written permission to CITIZENS PAY LINE OF CRE ONE CITIZENS to access or report my credit data. Under 15 U.S.C. 1681g ( c ), consumer information may be furnished only with written consent. Pursuant to 15 U.S.C. 1692c ( b ), debt collectorsor unauthorized furnishersare prohibited from communicating with third parties without my prior written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a complaint against Experian for failing to comply with the Fair Credit Reporting Act regarding an identity theft account reported by XXXX. 

I submitted a police report, proof of identity, and a written statement declaring that the XXXX account on my credit report is the result of identity theft. Under FCRA

605B, Experian is required to block the fraudulent account within 4 business days of receiving this documentation. Instead of blocking the account, Experian reinserted the account and has continued to report it. When I contacted Experian, the representative stated that they would reinvestigate the account with XXXX. This is a violation of FCRA 605B ( c ) ( 1 ), because credit bureaus are not allowed to reinvestigate identity theft accounts after a police report has been provided. XXXX  verification does not override my identity theft report, and Experian is required to block the account regardless of the furnishers response.

I am requesting that Experian immediately : 1. Remove ( block ) the XXXX account from my credit report under FCRA 605B. 
2. Send me written confirmation of the block.

3.

Update all third-party data recipients. Experians failure to block the account has caused harm to my credit standing and financial opportunities, and must be c
orrected.

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