vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
The elimination of disputed accounts will occur within the legally established periods.

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 2025-11-18 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: TX

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 MOHELA/DOFED - 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 2025-11-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am filing this complaint to dispute inaccuracies in my credit report. Below are the accounts in dispute, separated by each bureau : Charged Off : XXXX, XXXX, XX/XX/XXXX, {$2700.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX, XX/XX/XXXX Late Payment : 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to request a reinvestigation and correction of inaccurate, incomplete, or unverifiable information being reported by the credit bureaus listed below. I am simply a consumer trying to fix and accurately update my credit history. 

2. Charged Off / Collection Accounts The following accounts are being reported inaccurately or may not be verified in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXXXXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX, reported XX/XX/XXXX, balance {$1500.00} XXXX XXXX  Account ending XXXX XXXX XXXX XXXX XXXX, reported XX/XX/XXXX, balance {$0.00} XXXX XXXX  Accounts ending XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, reported XXXX, balances {$1200.00} / {$1000.00} / {$1000.00} XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX, reported XX/XX/XXXX, balance {$0.00} I am disputing these accounts due to concerns of inaccurate reporting, potential duplication, and lack of proper validation of the original debt. Please investigate and delete any unverifiable information. 

3. Late Payments XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX  I request verification of any late payment history and correction if dates or status are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2025-11-18 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: FL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2025-11-18 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my Equifax credit report, as provided by your agency. My name is XXXX XXXX XXXX, my Date of Birth is XX/XX/XXXX, and my Social Security Number is XXXX. Below are the details of the accounts I am disputing : XXXX. XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving Credit Card ) XXXX XXXX Issue : The account status shows positive, but the balance and payment history are inconsistent with my records. 
FCRA Violations : Failure to accurately report the correct status and payment history under Section 607 ( b ) ( FCRA ). 
Data Breach Concerns : Please confirm whether this account has been affected by any data breach. 
2. XXXX ( XXXX XXXX XXXX ) - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Collection - Installment ) * * Issue : The account is marked as open with a balance of {$1200.00}, but this account should not have been placed for collection without proper verification under Section 611 of the FCRA.

FCRA Violations : Inaccurate reporting and failure to provide sufficient evidence of the debt under Section 609 of the FCRA.

Data Breach Concerns : Please confirm the legitimacy of this account and if there are any breaches involving this account. 
3. DEPT OF ED/XXXX  - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Installment - Student Loan ) XXXX XXXX  Issue : This account is reported as 180 days late with a balance of {$570.00}, which is inaccurate. The last payment was made on XX/XX/XXXX, and this account should not reflect this level of delinquency. 
FCRA Violations : Inaccurate reporting of late payments, violating Section 605 ( FCRA ) regarding the reporting period. 
Data Breach Concerns : Please confirm whether this account has been compromised due to a data breach. 
4. XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Secured Installment ) * * Issue : The account shows as closed, but the payment status and balance do not reflect the true history. 
FCRA Violations : Inaccurate reporting under Section 605 ( a ) ( FCRA ).

Data Breach Concerns : Please verify if this account has been part of a data breach. 
5. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Secured Installment ) XXXX XXXX Issue : This account is marked as closed with a zero balance, but it shows incorrect late payment history. 
FCRA Violations : Failure to properly report the account status under Section 607 ( b ) ( FCRA ). 
Data Breach Concerns : Please confirm if this account has been affected by any data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: DC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) to request corrections on the following accounts reported by the credit bureaus. These accounts contain inaccuracies and discrepancies that I am seeking to have resolved as part of my credit repair process. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Discrepancy : The charged-off status is incorrect. Please verify and correct this status. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Discrepancy : Please verify the balance and status, as they are being reported inaccurately. 

Inquiries : XXXX XXXX  Date : XX/XX/XXXX Discrepancy : I am seeking clarification of this inquiry and whether it was authorized. 

XXXX XXXX Date : XX/XX/XXXX Discrepancy : Please verify this inquiry and confirm that it was authorized. 

Late Payments : XXXX XXXX  Account Number : XXXX Discrepancy : The late payments reported on this account are not accurate. Please provide verification. 

XXXX XXXX  Account NumbeXXXX : XXXX Discrepancy : The reported late payments are inaccurate. Please provide supporting documentation of these late payments.

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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a letter from Pressler Felt and Warshaw. They were going to garnish my wages, which they did. I paid the full amount. Now, I receive another letter stating that they want me to pay {$12.00} additional after Ive paid the full amount which was paid almost 2 months ago. I called them several times and spoke with two people who did not help me or can explain to me why Im being charged another {$12.00}. I feel like Im being harassed and taking advantage of. I should not have to pay additional money two months after I paid the full amount that was ordered by the court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-11-18 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: NY

Complaint narrative:
XXXXI sent a certified letter to Transunion on:XXXXwith tracking  XXXX XXXX XXXX XXXX XXXX XXXX Per the XXXX  the letter was delivered on XXXX. The letterXXXX with tracking  XXXX XXXX XXXX XXXX XXXX XXXX  Per the XXXX  the letter was delivered on XXXX. The letter\XXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the XXXX  the letter was delivered on XXXX  The letterXXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the XXXX  the letter was delivered on XXXX. The letter\nstated they needed to promptly investigate the account and correct it or delete it. This\nincluded letters for accounts:XXXX XXXX XXXX XXXX (account # XXXX)\XXXX XXXX   $ XXXX(account # XXXXXXXX  $ XXXX  (account # XXXXXXXX XXXX (account # XXXX)XXXX XXXX XXXX XXXX XXXX XXXX(account # XXXX)XXXX XXXX (account # XXXX)XXXX XXXX XXXX (account #  XXXX)\XXXX XXXX (account # XXXX)\n\nTransunion failed to respond. I sent another letter on XXXX which they failed to\nrespond to once again.'

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One closed my credit card account without notifying me or allowing me to choose which card I wanted closed. I would expect a call or written notice and I didn't receive that nor was given a choice in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my TransUnion credit report : Disputed Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} DEPT OF ED/XXXX, XXXX, XX/XX/XXXX, {$1200.00} DPT ED/XXXX, XXXX, XX/XX/XXXX, {$3500.00} Disputed Inquiries : XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, 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 2025-11-18 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: NC

Complaint narrative:
I am disputing the following accounts reported on my Equifax credit report due to inaccuracies and incomplete information. Please investigate and correct the reported details as per the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF Accounts : XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1500.00} INQUIRIES : No inquiries listed on my Equifax report. 

LATE PAYMENTS : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect still has not responded to the actual issue I raised. I did not request anything to be mailed to me, nor did I agree to communicate by mail. I stated clearly that I want all communication handled through the CFPB portal only. Their decision to send letters outside this system is not only unwanted, it is a way to avoid addressing my dispute directly.

Once again, ProCollect has completely ignored what I requested. I did not ask for balance details or a repeated statement of what the apartment claims. I asked for proof that I authorized ProCollect to take possession of my personal information and report anything under my name. 

They still have not shown : any document showing I agreed for ProCollect specifically to handle my data any contract with the name ProCollect on it any assignment agreement with my signature any proof of permissible purpose any authorization allowing them to transmit my information through XXXX XXXX any compliance with XXXX XXXX reporting standards Their response proves they do not have the required documentation. 
They simply keep repeating the same balance statement, but that is not my dispute. 
Under the Fair Credit Reporting Act and Texas Finance Code 392.202, a furnisher must verify the accuracy of information and must be able to prove the consumer agreed to the transfer of personal information. ProCollect has not met that requirement.

They continue to handle and report my information without authorization, which is a violation of : 15 U.S.C. 1681e ( b ) accuracy and verification before reporting 15 U.S.C. 1681i proper reinvestigation 15 U.S.C. 1681b permissible purpose to obtain and use my information Texas Finance Code 392.202 verification of disputed information At no point have they produced anything with the ProCollect name showing I agreed for this company to be involved in my personal data. Their response does not resolve the complaint and avoids the main issue entirely.

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 2025-11-18 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: LA

Complaint narrative:
I am filing this complaint due to inaccurate information reported by TransUnion. Despite my disputes, TransUnion has failed to properly verify the disputed accounts and items, violating my rights under the Fair Credit Reporting Act ( FCRA ), particularly 611.

I am requesting that the CFPB intervene and ensure TransUnion conducts a proper reinvestigation and removes unverifiable items from my credit report. 

Charged Off Accounts in DisputXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} This account is being reported with incomplete or inaccurate information. TransUnion has failed to provide the proper verification. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation