vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : 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 2025-09-23 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting inaccurate, misleading, and illegally re-aged information on my credit file. 
They are reporting the account as opened on XX/XX/XXXX, even though the original creditor ( XXXX XXXX ) account dates back to XXXX. This is illegal re-aging under FCRA 605 ( c ). 
They are reporting the account as a collection but show no delinquency history ( no XX/XX/XXXX lates ). This is incomplete and inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ).

PRA is reporting the entire balance as past due ( {$1300.00} ). Collection accounts do not have past due amounts, which is misleading. 
They are reporting Terms : 1 Month, which misrepresents the account type, as collections do not have repayment terms. 
XXXX shows Status Updated : XX/XX/XXXX but Balance Updated : XX/XX/XXXX with no consumer payments. This makes it appear as though there is recent activity, which is deceptive and violates both FCRA and FDCPA 807 ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I applied for credit of {$500.00} to be deposited into my bank account from security finance of Texas, XXXX. they denied my application for credit after I they asked for my social security number and personal information. They did false and misleading denial of my credit ( 15 usc 1611 ). I wanted to access a portion of my unlimited credit and they denied me access on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint & Request for Enforcement Violations of 15 U.S.C. 1681c-2 To Whom It May Concern, I am filing a complaint against Experian, Equifax, and TransUnion. Due to the data breaches at these agencies, my consumer files contain outdated addresses, unauthorized inquiries, and unverifiable negative accounts. 

Under 15 U.S.C. 1681c-2, I demanded these items be blocked and deleted. The bureaus continue reporting them, violating my rights under the FCRA. 

I request that the CFPB enforce compliance and ensure the removal of : All outdated addresses All unauthorized or unverifiable inquiries All unverifiable or negative accounts Enclosed are supporting documents and my Victim Determination Letter. 

Sincerely, 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 2025-09-23 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: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint & Request for Enforcement Violations of 15 U.S.C. 1681c-2 To Whom It May Concern, I am filing a complaint against Experian, Equifax, and TransUnion. Due to the data breaches at these agencies, my consumer files contain outdated addresses, unauthorized inquiries, and unverifiable negative accounts. 

Under 15 U.S.C. 1681c-2, I demanded these items be blocked and deleted. The bureaus continue reporting them, violating my rights under the FCRA. 

I request that the CFPB enforce compliance and ensure the removal of : All outdated addresses All unauthorized or unverifiable inquiries All unverifiable or negative accounts Enclosed are supporting documents and my Victim Determination Letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : - Creditor/Furnisher : Diversified Adjustment Service - Account Number ( masked ) : XXXX - Status Reported : Collection XXXX XXXX XXXX This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( XXXXXXXX XXXX  XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
Hello, Upon reviewing my consumer report, I noticed late payment entries that appear to be inaccurate. I have always maintained on-time payments and have been a responsible consumer. As you know, consumer reporting agencies play a critical role in accurately reporting customer information, and it is imperative that this information reflects the truth. 
I have never missed a payment on the following account : XXXX XXXX  TransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, I am formally requesting an immediate investigation into this matter. Please provide supporting evidence, such as account statements or payment records, to validate the reported late payments. 
If these entries can not be substantiated, I request that the inaccurate late payment records be promptly corrected to reflect my actual on-time payment history. I take my financial obligations seriously and consistently meet them without delay. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and resolution 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 2025-09-23 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:
I do not agree with the results of the investigation conducted. XXXX XXXX XXXX Account XXXX XXXXXXXX is in violation of major FCRA and Metro 2 reporting guidelines. This account can not legally be reporting repeated charge-offs as this can falsely inflate the severity of my credit history and damage my reputation. According to the investigation this has come back verified and I'm requesting transcripts from the investigation conducted with the furnishing company that verifies this. Please provide me with this copy in the next XXXX days and if this can not be verified and completed then Please delete/remove this account because a charge-off can only be a XXXX time event. 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
Subject : Request for Reconsideration of Account Closure and Reset of Credentials Dear Current Support Team, I am writing to formally request reconsideration of the closure of my account with Current. I was informed that my account was closed due to alleged fraudulent activity, yet I want to make it clear that I am the victim of identity theft. I have never opened or held an account with Current prior to this incident. 

In XXXX, my personal information was compromised, and I have been proactive in addressing the resulting fraudulent accounts. Despite this, my identity appears to have been misused, and I am now being wrongly held responsible for actions I did not commit. This is deeply concerning and has caused significant frustration and inconvenience. 

I am requesting that Current : XXXX. Reconsider the decision to deny me access and allow me to open a new account as a legitimate customer. 
XXXX. Reset all associated credentials, including Social Security number records in your system, to ensure that I can securely access services. 
XXXX. Treat this as an identity-theft situation, rather than attributing blame to me as the victim. 

Please note that financial institutions in the United States are regulated by the Consumer Financial Protection Bureau ( CFPB ), among other authorities, to ensure fair treatment of customers and proper handling of cases involving fraud or identity theft. I am hopeful that Current will follow appropriate procedures and resolve this matter swiftly. 

I am asking for a prompt review of this situation so that I may establish a legitimate account without further delay. I trust that Current will correct this error and allow me to proceed as a new, verified customer. 

Thank you for your attention and understanding. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
I have contacted DRS on XXXX occasions to get a validation of debt but have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a checking account with Chase Bank. I tried to make a wire transfer today and the requst was rejected and my account was locked. I spoke to them on the phone, answered hundreds of questions and they said all should be fine. I made the attempt again and it was rejected again. This happened XXXX times in a row. I have spoken with XXXX individuals at this company and I am not given any explanation for why my funds are not being wired. They say their fraud department has concerns but they do not say what they are and they have no way to speak to the fraud team. I have more than enough money in my account and have verified to them XXXX separate times that this is indeed a valid wire. 

This is a time sensitive wire and they have now wasted hours of my time to talk to their customer service representatives without receiving any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
Upon reviewing my consumer report, I noticed late payment entries that appear to be inaccurate. I have always maintained on-time payments and have been a responsible consumer. As you know, consumer reporting agencies play a critical role in accurately reporting customer information, and it is imperative that this information reflects the truth. 
I have never missed a payment on the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax-XXXX XXXX XXXX Therefore, I am formally requesting an immediate investigation into this matter. Please provide supporting evidence, such as account statements or payment records, to validate the reported late payments. 
If these entries can not be substantiated, I request that the inaccurate late payment records be promptly corrected to reflect my actual on-time payment history. I take my financial obligations seriously and consistently meet them without delay. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and resolution Thank you!

Company response to consumer: Closed with explanation