vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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:
Complainant : XXXX XXXX XXXX Subject : Failure to Ensure Accuracy of Credit Report Request for Verification and Documentation I, XXXX XXXX XXXX , am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) as a natural person acting on my own behalf. I am seeking a formal explanation of the procedures used by the credit reporting agency in connection with a previous dispute I submitted regarding inaccurate personal information and multiple derogatory accounts.

Pursuant to 15 U.S. Code 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to receive a detailed description of the reinvestigation process used to verify the disputed information. This includes : The name, address, and phone number of any furnisher of information contacted, The identity of the person who verified the dispute, and Any documentation used to validate the accuracy of the reporting.

To date, I have not received this information, despite prior disputes and more than the allowable time having passed. I am now requesting this formally.

Disputed Information : Incorrect Personal Information : Also Known As : XXXX, XXXX, XXXX Previous Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Employer : XXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX XXXXXXXX XXXX Derogatory Accounts in Question : XXXX. Charge Off XXXXXXXX XXXX XXXXXXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX  ) 8. Late Payment ( Closed/Paid ) XXXX  ( Account : XXXXXXXX XXXX XXXX XXXX XXXX ) 9. Collection XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX  ) 10. Collection XXXX XXXX XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX  ) 11. XXXX XXXX XXXX XXXX ( Account : XXXX XXXX XXXX ) 1216. Collections XXXX / XXXX ( Various account numbers listed above ) 1720. Charge Off XXXXXXXX XXXX  XXXX and XXXXXXXX XXXX XXXX ( Duplicate listings ) 21. Charge Off XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX 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 2025-06-24 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: DISCOVER BANK
State: IL

Complaint narrative:
In XXXX  my identity was stolen by a relative. I learned that several credit cards were fraudulently opened without my consent or knowledge. 

The fraudulent credit cards are DISCOVER Bank And XXXX XXXX I have made this complaint several times for this inaccurate information to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: PA

Complaint narrative:
XXXX reported late payment on XX/XX/year>. The investigation was requested in XX/XX/year>, and reporting did not cease during the inquiry. The investigation was verified as accurate, without disclosing who provided the verification.

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 2025-06-24 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MO

Complaint narrative:
I, XXXX XXXX, was incarcerated beginning in XXXX, and I remained in custody for the following five years. During that time, I was unable to enter into any legal agreements or manage any personal housing matters due to my incarceration.

Despite this, IQ Data International is attempting to collect on a lease agreement that was renewed repeatedly without my consent from approximately XXXX through XXXX. I never authorized, signed, or approved any lease renewal during that time. These renewals were fraudulently authorized by someone else while I was incarcerated and unable to participate. 

This means : The lease was illegally extended without my knowledge or permission. 
The resulting debt is not valid, and I am not liable for it. 
IQ Datas continued efforts to report and collect this debt are not only unlawful, but also in violation of my rights under : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) The Federal Trade Commission Act ( FTC Act ) I have already filed complaints with the CFPB and FTC, provided proof of incarceration, and sent a final demand letter. If IQ Data continues this behavior, I will proceed with formal legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate and Unverified Items on Credit Report Request for Reinvestigation Procedures and Evidence I, XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved inaccuracies appearing on my credit report. I am acting on my own behalf as a natural person and consumer. This complaint arises due to the credit reporting agencys failure to properly reinvestigate and verify disputed information as required by federal law. 

Pursuant to 15 U.S. Code 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to request a detailed description of the reinvestigation procedure used to verify the accuracy of disputed items. This includes the names, addresses, andif availabletelephone numbers of any furnishers of information contacted during the investigation.

Despite having previously disputed these accounts, no sufficient action has been taken to correct or verify the information. Below are the items in dispute : Disputed Accounts and Information : XXXX XXXX Bankruptcy Case Number : XXXX Charge Offs / Late Payments ( Multiple ) XXXX XXXXXXXX ( Account ending : XXXX... ) XXXX XXXX  ( Multiple accounts : XXXX ..., XXXX ..., XXXX ..., XXXX... ) XXXX XXXX ( Account ending : XXXX... ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Collections XXXX XXXX XXXX ( Account ending : XXXX... ) Incorrect Personal Information Incorrect current and previous addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MD XXXX Incorrect employer listing : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PORTFOLIO RC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$880.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PORTFOLIO RC buttonoavail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX failed to provide proper written notice as required under : Uniform Commercial Code ( UCC ) 9-611 to 9-614 : No Notice of Intent to Sell or post-sale accounting was provided, which deprived me of my legal right to redeem the vehicle or understand the sale terms.After repossession and sale of the vehicle, XXXX XXXX XXXX is still reporting the full original balance on my credit report, failing to account for the amount recovered from the sale.This is a direct violation of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information that they know or should know is inaccurate or incomplete.

FCRA 623 ( b ) : Once a dispute is filed, you are required to investigate and delete any inaccurate information. Reporting a full balance post-sale is not only inaccurate but materially misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: C/C Financial
State: OH

Complaint narrative:
preferred leasing can not prove ownership of the debt so they have to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I applied for a business loan from a pre-approval offered to me via telephone. I spoke with a representative he stated they couldn't approve me for a loan and then he stated I could get a line of credit of XXXX. I first refused and he convinced me that I would have access to the money if needed.I asked many questions about the line of credit, he said I wouldn't be charged anything unless I drew money from the line. Cash Net deposited {$2300.00} into my account which I thought was unusual for a line of credit. I called back and was told I was fine as long as I don't use the funds which I didn't. XXXX weeks later they withdrew XXXX from my account and made XXXX additional XXXX withdrawals then when they withdrew XXXX, I contacted them to find out my balance and it was now {$2600.00}. I went online and pulled my information it stated the interest rate is 299 % daily. I never received any information about the interest and fees I would be charged. I complained to Cashnet and told the this against lending laws to charge that amount of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IA

Complaint narrative:
This went on my credit report XX/XX/year>. Went to XXXX  and XXXX. This is fraudulent activity. This does not belong to me. 
I.C. System Inc. 
Address is XXXX. XXXX XXXX XXXX XXXX, MN XXXX Account number is XXXX Balance amount is {$240.00} I was notified by XXXX  that this just showed up on the XXXX credit bureau. I have never heard of this place nor is this mine. I will be contacting the company also sending a letter. I also found out today XX/XX/year> that my personal information is out there in several places. It says my information has been breached. I have contacted a attorney just waiting to hear back from them. This has been going on for some time now. My information is on the dark web including social security number. I will have to buy a new phone again. I only receive XXXX XXXX XXXX so my money is limited.

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has notified me they are closing my accounts, but has refused to provide any reason despite multiple requests. I rely on these accounts for managing essential bills and caring for dependents. I am seeking clarification or a formal explanation of the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed 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 2025-06-24 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-06-24 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-24 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: AZ

Complaint narrative:
In XX/XX/XXXX, XXXX  closed my credit card. At the time, there was a balance that needed to be paid by me. On XX/XX/XXXX, I spoke to a XXXX XXXX representative who stated that if I paid off the entire balance on my closed account that day, they would, as a one-time exception, refund the interest charges on my account. 
I agreed and paid off the entire card. In the attached XX/XX/XXXX statement, I highlighted relevant text in yellow as well as put a red rectangle around the interest charge that was specified for that month. This total was {$100.00}. As discussed though, the interest charge was refunded/waived as shown. This is also apparent in the attached XX/XX/XXXX statement. There is a line item that is listed as XXXX XXXX for the amount of {$100.00}. 

However, in XX/XX/XXXX, there is an item titled XXXX XXXX with a charge of {$100.00}. This means that, contrary to what XXXX promised, the interest was charged but just at a later date. The fact that the exact amount of {$100.00} is refunded then charged again is indicative of this. 

The reason why this is wrong and should be fixed is because on XX/XX/XXXX, after the entire balance was paid off, the XXXX XXXX website immediately logged me out and prevented me from logging in completely. When I tried to login, an error message popped up saying that I did not have an account with them anymore. Furthermore, XXXX went against their word in regards to waiving/refunding the interest fees. 

Ultimately, this interest fee ended up reversing later improperly. I was not notified of this at all, had no account access, and then they reported me as delinquent in XX/XX/XXXX. This was despite me paying off the balance in full on my closed credit card in XX/XX/XXXX. This missed payment report affected my credit score, dropping it from a perfect 100 % to 99 % as a result of this. In this situation, both the impact on my credit history/score and the fees being charged to me are wrong and should be fixed. I even contacted XXXX immediately in XXXX to request more information about the origins of the charge. The representative said they did not know what the charge was and opened up a case, which never amounted to anything despite this issue persisting since 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 2025-06-24 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:
his account was opened with XXXX XXXX in XX/XX/XXXX and was paid in full, with the last reported activity in XX/XX/XXXX. There has been no balance or negative payment history, and the account was marked as dispute resolved by both Experian and TransUnion. 

However : TransUnion still reports the account as Open and Terminated, which is contradictory. 

Experian reports it as Closed, but also as Terminated. 

The dispute comment remains on both reports despite being resolved nearly 4 years ago. 

XXXX  does not show full data, creating further inconsistency. 

I have taken no action on this account since XXXX, and I believe this reporting may be outdated or 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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation