vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: MI

Complaint narrative:
TO REMOVE FRAUDULENT ITEMS ON MY CREDIT REPORT ASAP!

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Since XXXX, I have repeatedly requested that Equifax completely remove my former name from my credit report and credit file. This request was made formally, in writing, and was later incorporated into a settlement agreement in which Equifax acknowledged the inaccuracy and agreed to permanently remove the former name from all records associated with my Social Security number. Despite this agreement and my ongoing attempts to resolve the issue, Equifax continues to list my former name on my credit file and continues to display it on my credit reports as formerly known as, which is a direct violation of the terms of the settlement. 

This ongoing failure has caused significant distress, privacy concerns, and potential harm to my financial and personal security. The presence of a former name on a credit reportafter legal name change documentation was filed and after Equifax agreed to remove itconstitutes an unacceptable breach of trust and an ongoing act of non-compliance. I have provided Equifax with more than sufficient documentation over the years, yet the company has still failed to correct this issue. It is unacceptable that, XXXX years later, my credit file still reflects information that should have been removed permanently and without further burden placed on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am submitting this complaint regarding in the late payments reporting of inaccurate, incomplete, and misleading information on my credit file despite my efforts to maintain an accurate credit history in accordance with the Fair Credit Reporting Act ( FCRA ). My XXXX XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX and closed with a {$0.00} balance and a Date of Last Activity of XX/XX/XXXX, is being reported only with past late marks ( XXXX late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX late in XX/XX/XXXX ) but does not reflect that the account was fully brought current, paid in full, and closed in good standing, which creates an incomplete and misleading representation of my payment performance. In addition, my XXXX  account ( XXXXXXXX XXXX XXXX  ), opened on XX/XX/XXXX and also closed with a {$0.00} balance and a Date of Last Activity of XX/XX/XXXX, continues to display an extensive list of late payments ( XXXX days late in XX/XX/XXXX, recurring late reporting from XXXX through XX/XX/XXXX, again from XXXX through XX/XX/XXXX, and from XXXX through XX/XX/XXXX ) without fully and accurately reflecting that the account was ultimately satisfied and closed with no remaining balance. Both accounts were paid and completed as agreed, yet TransUnions reporting fails to include their correct final standing, violating my rights under FCRA 602 regarding fairness and relevance, FCRA 611 requiring reinvestigation and maximum possible accuracy, and FCRA 623 ( a ) ( 2 ) and 623 ( b ) requiring furnishers and credit reporting agencies to update and correct incomplete or inaccurate information once notified, failure to present the complete and accurate final status of these accounts has caused a distorted view of my true creditworthiness and continues to harm my credit profile despite the accounts being fully resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am submitting this complaint regarding in the late payments reporting of inaccurate, incomplete, and misleading information on my credit file despite my efforts to maintain an accurate credit history in accordance with the Fair Credit Reporting Act ( FCRA ). My XXXX XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX and closed with a {$0.00} balance and a Date of Last Activity of XX/XX/XXXX, is being reported only with past late marks ( XXXX late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX late in XX/XX/XXXX ) but does not reflect that the account was fully brought current, paid in full, and closed in good standing, which creates an incomplete and misleading representation of my payment performance. In addition, my XXXX  account ( XXXXXXXX XXXX XXXX  ), opened on XX/XX/XXXX and also closed with a {$0.00} balance and a Date of Last Activity of XX/XX/XXXX, continues to display an extensive list of late payments ( XXXX days late in XX/XX/XXXX, recurring late reporting from XXXX through XX/XX/XXXX, again from XXXX through XX/XX/XXXX, and from XXXX through XX/XX/XXXX ) without fully and accurately reflecting that the account was ultimately satisfied and closed with no remaining balance. Both accounts were paid and completed as agreed, yet TransUnions reporting fails to include their correct final standing, violating my rights under FCRA 602 regarding fairness and relevance, FCRA 611 requiring reinvestigation and maximum possible accuracy, and FCRA 623 ( a ) ( 2 ) and 623 ( b ) requiring furnishers and credit reporting agencies to update and correct incomplete or inaccurate information once notified, failure to present the complete and accurate final status of these accounts has caused a distorted view of my true creditworthiness and continues to harm my credit profile despite the accounts being fully resolved.

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 2025-11-19 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

CXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$310.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$250.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX ( Auto ) OPENED an account in my name without my knowledge or authorization. I did not apply for or consent to any account with this company, and this is a case of clear identity theft and fraudulent activity. For months I was aware of accounts opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I also request, per FCRA Section 609 ( a ) ( 1 ), full method of verification for the items in question, including the original signed contract or application bearing my signature. If you are unable to verify the accuracy and legitimacy of the item ( XXXX ) within 30 days, you are required by law to delete the information from my credit file. XXXX XXXX ( XXXX ) XX/XX/year> 2024

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
I am filing this complaint against Bright Lending for abusive lending practices. I took out a loan from them for {$700.00}, and they are charging me an interest rate of XXXX  % APR. I am currently a resident of the State of XXXX, where the law establishes a maximum APR of XXXX  %. This rate far exceeds the legal limits in Illinois. So far, I have paid XXXX installments of {$81.00}, totaling {$240.00}, which is approximately XXXX  % of the amount borrowed. However, they claim I still owe {$760.00}, which is more than the original loan, not including the payments I have already made. This situation has affected my emotional well-being, credit score, and my ability to cover essential living expenses. I respectfully request that this case be reviewed and that Bright Lending be investigated for predatory lending practices. I have attached the original loan contract, full loan terms, payment history, and current outstanding balance as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am filing this complaint against Pentagon Federal Credit Union ( PenFed ) because they are reporting inaccurate, inconsistent, and unverifiable information on my credit reports related to an alleged repossession and deficiency balance. After disputing this account multiple times with all three credit bureaus, PenFed continues to verify information that is factually impossible and contradictory across XXXX XXXX XXXX XXXX 

XXXX. The balance is reported inaccurately across all XXXX credit bureaus PenFed is reporting different balances to each bureau. 
A creditor can not legally provide inconsistent dollar amounts for the same debt. This indicates the information can not be verified and violates FCRA 1681e ( b ) ( maximum possible accuracy ). 

XXXX. The dates of last payment, last activity, and delinquency do not match Each bureau shows a different : Date of last payment Date of last activity Date of first delinquency Charge-off date These dates are essential to determining whether the account is reportable. If PenFed can not provide the original records, the account must be deleted under FCRA 1681i ( a ) ( 5 ). 

XXXX. PenFed is reporting conflicting repossession information Across the XXXX bureaus, PenFed reports : Merchandise taken back Profit and loss write-off Consumer disputes account information Different charge-off notations Different status codes This proves the data is not consistent and can not be verified. This violates FCRA 623 ( a ) ( 1 ) and 623 ( b ). 

XXXX. PenFed failed to provide the documentation I requested I specifically requested from PenFed : The original signed contract Full payment history Repossession order Date the vehicle was actually taken Sale price and supporting sale documents Accounting breakdown of how the deficiency balance was calculated Method of verification used to verify with the credit bureaus PenFed did not provide any of these documents, which is a violation of FCRA 623 ( b ). 
If PenFed can not verify the account, the account must be deleted. 

XXXX. The credit bureaus can not legally report information the furnisher can not verify Because PenFed is furnishing : Conflicting balances Conflicting dates Conflicting repossession remarks No documentation upon request the information is unverified and inaccurate, and the reporting is causing significant harm, including : Denied housing Denied credit Lower credit scores Financial and emotional hardship

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 2025-11-19 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: KY

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EXPERIAN ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and XXXX Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint XXXX XXXXXXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax XXXX breach. 
I request that the following fraudulent items be blocked within XXXX business days. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX XXXX XXXX  on XXXX under account number XXXX, a Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX, and an Auto Loan opened at XXXX  XXXX XXXX on XXXX XXXX account number XXXX. They have resulted in multiple fraudulent XXXX Inquiries, Collections, and Charge-offs appearing on my consumer XXXX credit report. This is a formal block request for fraudulent items, and I do not authorize any disputes to be opened without my written authorization. I authorize only the blocking of the aforementioned fraudulent items on my consumer report. Delete Inquire XXXX XXXX XXXX XXXXXXXX

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 2025-11-19 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: FL

Complaint narrative:
I am filing this complaint to dispute and request correction of inaccurate late payment reporting on my credit profile concerning my XXXX XXXX  XXXX and XXXX XXXX accounts, as these errors have created a misleading and damaging representation of my payment history. My XXXXXXXX XXXX XXXXXXXX account is currently being reported with multiple delinquencies, including a XXXX late notation around XX/XX/XXXX, XXXX late entries between XXXX and XX/XX/XXXX, and a XXXX late notation in XX/XX/XXXX, all of which are inaccurate and do not reflect my verified payment behaviour. Additionally, my XXXX XXXX account, which shows a {$3.00} balance with the Date of Last Activity, Date Reported, and Date Opened all listed as XX/XX/XXXX, reflects no late payments in the bureau reporting, yet the account appears to be inconsistently flagged or inaccurately furnished, raising concerns about the integrity and accuracy of the information submitted by the furnisher. These inaccuracies violate multiple provisions of the Fair Credit Reporting Act, including FCRA 602 ( a ), which protects consumers rights to fair and accurate reporting ; FCRA 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy ; and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from knowingly or negligently reporting inaccurate information. I am therefore requesting an immediate reinvestigation under FCRA 611 ( a ) to verify and correct all inaccurate entries, as these errors have caused substantial and unnecessary harm to my credit standing, and I seek the CFPBs intervention to enforce compliance with all applicable FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: MO

Complaint narrative:
XXXX  made police reports based on the information provided to me by XXXX XXXX XXXX. 

XXXX XXXX XXXX has sold this debt to several collection agencies including XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, National Recovery Agency. 

Every debt collection agency has received and removed the account from my XXXX profile except National Recovery Agency which is the newest agency to purchase my fraudulent information. 

XXXX  been harassed repeatedly and XXXX requesting that it stops. I would like to make a formal complaint against XXXX XXXX XXXX for repeated harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates is reporting a collection account on my credit report but never provided validation after I requested it. 

On XX/XX/year> I sent Portfolio Recovery Associates a formal debt validation letter. They did not respond at all and never provided any documentation proving the debt belongs to me. 

Even though they failed to validate the debt, they continued to report it to the credit bureaus. This is a violation of FDCPA Section 809 ( b ), which requires a debt collector to stop collection activity until they provide proper validation. 

On XX/XX/year>, I disputed the account with XXXX XXXX XXXX XXXX. I included proof that I requested validation and never received a response. Despite this, XXXX  marked the account as verified by Portfolio Recovery. 

I am requesting assistance because Portfolio Recovery Associates is reporting and attempting to collect a debt they have never validated. I am asking that they either provide proper validation directly to me or delete the collection from my credit reports since they failed to comply with the validation request.

Company response to consumer: Closed with non-monetary relief