vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Amounts not accurate, threatening calls, calls to place of work every day without my permission. Multiple calls daily

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate reporting by Portfolio Recovery Associates , LLC ( PRA ) .PRA is reporting a debt, originally from XXXX XXXX XXXX claiming I am liable. I have disputed this with PRA and all three credit bureaus. PRA responded with a generic letter stating the information is accurate, but failed to provide any documentation showing I was ever a joint account holder or authorized user.I have available for your review ( via PDF ) the following : PRAs dispute response letter ( XX/XX/year> ), which lacks any validation A billing statement for a different individual ( G.S. ) ) on an unrelated XXXX account A faceless interest summary with no identifying information A letter from XXXX Bank addressed to G.S. confirming the account was sold to PRA under his namenot mine.

PRA has not provided any signed agreement, billing history, or documentation linking me to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00XXXX XXXX - Account Number : XXXX * * * * MMW, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX  - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-05 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 2025-09-05 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 2025-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN

Complaint narrative:
XXXX has engaged in multiple ongoing violations of federal law. While responding to my dispute through the CFPB portal, XXXX uploaded my dependents protected health information ( XXXX ), including billing records, treatment codes, and insurance details. This disclosure of medical information to a third-party platform was done without authorization or a valid XXXX XXXX XXXX, in direct violation of HIPAA ( 45 CFR 164.502 ( b ), 164.504 ( e ), and 164.530 ( c ) ). 

In addition, XXXX continues to report inaccurate and unvalidated account information to the credit bureaus. Under FCRA 623 ( b ), furnishers are required to conduct a reasonable investigation and correct or delete information that is inaccurate or unverifiable. Instead, XXXX persists in furnishing disputed information despite failing to establish my liability. 

XXXX has also failed to provide lawful validation of the alleged debt under FDCPA 809 ( b ). The documents provided do not establish my responsibility for the debt and were incomplete. 

This complaint is not a duplicate of prior filings. It is based on new violations and new evidencespecifically, UCSs unauthorized disclosure of my XXXX XXXX XXXX in the CFPB complaint system, which has been escalated to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received an alert stating an application was made today XX/XX/year>, about a credit card with capital one. I have not applied nor want to open any type of credit card. It was not me. I have contacted capital one and was told the application was in the process and that it will be marked as fraud and the application process will be stopped and that it will be removed from my hard inquiries. It was really alarming to me. I was also told still make a report about it with credit bureau agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX - Account Number : XXXX * * * * MMW, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXXXXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FourLeaf Federal Credit Union
State: TX

Complaint narrative:
I obtained a car loan for a XXXX XXXX XXXX on XX/XX/XXXX, the dealer and I agreed on my first payment to be on XX/XX/XXXX for the amount of XXXX. However, when I received all the banking information needed in the mail and created the account the bank FourLeaf Credit Union had charged me a late fee and the first payment on XX/XX/XXXX. I did dispute the fact I had signed the contract at the dealer, went to the dealer and verified that it was due on XX/XX/XXXX, but the bank says its in their contract ( which they have not provided ) and only gave me the option to move the payment to the end of the loan, expanding the loan term and adding extra interest to the account. The bank did not honor the commitment I made to the dealership of XXXX XXXX XXXX in the XXXX XXXX XXXX. 
Not only did I have to pay a payment much earlier than the agreed date, but now I have to pay them again on XX/XX/XXXX. 
I tried calling the bank, I verified the information with my dealer, and I the dealer claims the term amount is the same because whats on their contract, so either I made an extra payment or technically the dealer contract is a month ahead and the contract should end ONE month prior to the date shown on their end. 
Fourleaf has acted aggressive with their lack of resolution and options, however, I hope they realize the mistake or have a better explanation than its the contract, want me to show you the contract. 
Again, Ive tried. Even the dealer is telling me one thing and showing me proof of what I agreed on while the bank did not give me a notice or explained how they changed the due date. Instead they charged me on a date I had no idea on and added a late fee. 
Please help, because I was able to pay it and I dont want the next person making business with FourLeaf to be caught off guard with their tactics.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-05 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: PA

Complaint narrative:
This is not a duplicate complaint. This filing is account-specific regarding XXXX, XXXX. 

On my Equifax credit report ( see attached copy dated XX/XX/XXXX ), the XXXX account is being reported as both Charge Off and open. The tradeline includes : Status : Charge Off Date Opened : XX/XX/XXXX Date Closed : [ blank no date listed ] Narrative Codes : XXXX ( Charged Off Account ), XXXX ( Consumer Disputes After Resolution ), and XXXX ( Unsecured ) By definition, an account that is charged off can not remain open. Once charged off, the creditor has permanently closed and written off the account. Reporting it simultaneously as open misrepresents the legal status of the debt and violates FCRAs accuracy requirements ( 15 U.S.C. 1681e ( b ) ). 

XXXX XXXX guidelines also prohibit this coding conflict. A charged-off account must be coded as closed with a zero credit line and no ongoing activity. Leaving the account as open falsely suggests it remains active and available for new credit, which is misleading to potential creditors and damaging to my credit profile. 

Equifaxs failure to block or correct this account after dispute reinvestigation is a continuing violation. This error has not been corrected despite prior disputes, and no lawful explanation or supporting documentation has been provided by the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

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 2025-09-05 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-05 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:
I am submitting this complaint regarding multiple inaccurate, misleading, and unfair entries on my credit report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and have caused serious harm to my financial standing, emotional well-being, and ability to access fair credit. I request immediate investigation, correction, and deletion of all inaccurate information. 
XXXX XXXX XXXX * * * * Opened : XX/XX/XXXX High Balance : {$0.00} * * Issue : Late Payment Story & Law Reference : This account has always been paid on time and in full. The reporting of a late payment is completely false and demonstrates negligence on the part of the furnisher. According to FCRA 1681i, I am entitled to dispute any information that is inaccurate or unverifiable, and XXXX XXXX has a legal duty to correct errors promptly. This false reporting has caused undue stress, has negatively affected my credit score, and has limited my ability to access financial products, including loans, credit cards, and housing opportunities. The misrepresentation of my financial responsibility is unacceptable, and immediate removal of this inaccurate late payment is demanded. Repeated inquiries and challenges to this false entry have not been addressed adequately, further compounding the damage. 
XXXX XXXXXXXX * * * * Opened : XX/XX/XXXX High Balance : {$0.00} * * Issue : Late Payment Story & Law Reference : I have never missed a payment on this account. The false reporting of a late payment violates FCRA 1681i, which requires furnishers to provide accurate information and to promptly correct errors once they are brought to their attention. This inaccurate reporting paints a misleading picture of my creditworthiness, causing financial and emotional harm. The false late payment is preventing me from securing fair loan terms and has created unnecessary stress, embarrassment, and economic impact. Such negligent and inaccurate reporting is a direct violation of federal law and undermines the credibility of the credit reporting system. Immediate deletion of this inaccurate entry is required. 
I request that the CFPB ensure a thorough investigation and correction of all above accounts. These inaccurate entries have caused substantial financial harm, emotional distress, and misrepresentation of my credit history. I demand that all false late payments be permanently removed from my credit report. Written confirmation of corrections should be provided within the legally mandated timeframe. Failure to correct these inaccuracies would continue to violate federal law and exacerbate the harm caused. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Request validation of debt more than XXXX days ago with payment history also request a XXXX They did not update report as disputed by consumer.

Company response to consumer: Closed with explanation