vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
i have reviewed a copy of my credit report and noticed fraudulent inquiries pleases remove there are hurting my ability to obtain credit.

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 2025-12-23 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:
Dear Sir/Madam, I am filing a dispute regarding the following accounts on my credit report that I believe are being reported inaccurately. I am requesting that you investigate and correct these errors. 

Charged Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Late Payments : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, I am writing to clarify a misunderstanding and miscommunication between XXXX XXXX and myself on XX/XX/XXXX for these two claims XXXX, XXXX I did not intend to reopen or repeat any prior transaction claims that were already closed in XXXX and XXXX. I referenced those past transaction claims only as background information to show that I have experienced similar issues with these investment companies since XXXX. 

The companies I used to send money to from my bank to the investment companies were XXXX and XXXX XXXX. When XXXX XXXX asked me to list all related transactions, I believed he was notating them for record-keeping purposes only, which is what I requested. I did not intend for these transactions to be submitted or treated as new claims. I am not asking for a refund for any of these transactions made by me. 

All transactions were authorized by me. My account and personal information were never stolen or compromised. I was misled by individuals who falsely represented themselves as legitimate companies, which caused me to voluntarily send funds. I understood at the time that these transactions were non-refundable, as they were sent through wallet addresses. 

I am not disputing or claiming these transactions. 

Please close all claims opened on XX/XX/XXXX, as they were the result of this misunderstanding. I was not attempting to reopen any claims from XXXX I value my relationship with Wells Fargo and have been a loyal customer. I respectfully request that my account be reinstated and that this matter be recognized as an honest misunderstanding and miscommunication. 

Thank you for your time and understanding. 

Please contact me at my Number below

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 2025-12-23 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: MN

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
I am submitting this complaint to dispute unauthorized and duplicate credit inquiries that were made without my consent. I authorized only one credit pull, yet multiple inquiries were placed on my credit report. 

The following inquiries are inaccurate, duplicative, and unauthorized : XXXX XXXX XXXXXX/XX/year> ; XX/XX/year> ; XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> These entries violate the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681e ), which requires permissible purpose and reasonable procedures to ensure accuracy. Duplicate inquiries resulting from a single authorization are not permissible and are materially damaging to 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-23 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: MA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : No inquiries listed for Equifax. 

Late Payments : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
The collection accounts reported by Credit Collection Services under Account XXXX. XXXX ( {$540.00} ) and Account XXXX. XXXX ( {$0.00} ) were furnished to my consumer credit reports without proper notice or validation, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). This section requires a debt collector to provide written notice of the debt, including the amount owed, the name of the original creditor, and notice of my right to dispute the debt within 30 days prior to or at the time of initial reporting. I never received any such notification for either account before they were placed on my credit reports. Despite submitting disputes and validation requests, Credit Collection Services failed to provide any response or documentation within the required timeframe, making continued reporting and collection activity unlawful.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and 1681s-2 ( b ), furnishers are required to report only information that is complete, accurate, and verifiable and to conduct a reasonable investigation upon dispute. Credit Collection Services has failed to provide competent evidence validating either Account XXXX. XXXX or Account XXXX. XXXX, including but not limited to a copy of the original contract bearing my signature, itemized billing statements, proof of ownership or legal assignment of the debt, or proof that the alleged balances are accurate. XXXX Account XXXX. XXXX with a {$0.00} balance while still classifying it as a collection further demonstrates inaccurate and misleading reporting. Verification requires more than a cursory confirmation of internal records and must meet the standards outlined in FCRA 1681i and 1681g. Continued reporting of these unverified accounts also violates Metro 2 reporting standards, which require furnishers to ensure accuracy, consistency, and timely dispute resolution. These violations expose the furnisher to statutory damages of up to {$1000.00} per violation under FCRA 1681n, in addition to actual damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates has reported the same debt of {$750.00} using three separate account numbers across different credit reporting agencies : two duplicate accounts on XXXX  ( XXXX and XXXX ) and another account on XXXX XXXX XXXX  ( XXXX ). Reporting the same debt multiple times under different account numbers is a direct violation of FCRA 1681e ( b ), which mandates that furnishers report only complete, accurate, and non-duplicative information. This practice artificially inflates the number of collections on my credit report and is inherently misleading to lenders, creditors, and other users of credit reports. 
I never received written notice of these accounts prior to their placement on my credit reports, which violates the Fair Debt Collection Practices Act ( FDCPA 809 ( a ), 15 U.S.C. 1692g ( a ) ), requiring debt collectors to provide written notice of the debt, the original creditor, and my right to dispute the debt within 30 days. Despite submitting a dispute and requesting validation, Portfolio has failed to provide any documentation or proof of ownership, in violation of FDCPA 809 ( b ) and FCRA 1681s-2 ( b ). Proper validation requires full verification, including the original signed agreement, itemized billing statements, proof of assignment, and confirmation of the exact balance owed. Simply repeating internal records does not satisfy these legal requirements.

Portfolio Recovery Associates has a documented history of illegal and abusive practices, including duplicate reporting, failure to validate debts, and misreporting to credit bureaus. Multiple consumer complaints, XXXX  records, and regulatory reports indicate a pattern of noncompliance with federal law, including attempts to collect debts not properly verified. Continuing to report unverified or duplicated accounts violates Metro 2 reporting standards, which mandate maximum possible accuracy, proper dispute coding, and timely resolution of consumer disputes. This repeated misconduct has caused harm to my creditworthiness and is clearly unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I participated in a timeshare sells by XXXX XXXX and they miss used my personal information without my authorization to open a XXXX XXXX credit card account. I did not have knowledge of such credit card or membership offering during this presentation. The only information that was presented was their timeshare prices which I declined and I specifically told the representative to not run my credit.

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 2025-12-23 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: NY

Complaint narrative:
I HAVE BEEN APART OF SEVERAL DATA BREACHES AND BECAUSE OF THIS I BELIEVE I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN IN CONTACT WITH ALL THE REPORTING AGENCIES TO HELP ME CLEAR MY NAME AND NOT ONE OF THEM IS BEING OF ANY HELP IN THIS IMPORTANT MATTER. 

I AM SHOWING 2 XXXX XXXX ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME.

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 2025-12-23 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: OH

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: DISCOVER BANK
State: TX

Complaint narrative:
I am filing this complaint because Discover Bank is continuing to furnish inaccurate and misleading credit reporting after a court dismissed their lawsuit and after multiple disputes and reinvestigations. 

Discover Bank filed a lawsuit  against me  in XXXX XXXX, Texas ( XXXX XXXX. XXXX ). On XX/XX/year>, the court issued an Order to Dismiss Without Prejudice after Discover failed to appear. A copy of the court order is attached. 

Despite the dismissal, Discover continues to report this account to XXXX  and XXXX  as a Charge-Off / Collection with a balance of {$4600.00}, implying the debt is currently due, collectible, and legally enforceable. This is not accurate. 

Importantly, XXXX  has already removed this same Discover tradeline due to failure to verify accuracy. This confirms that Discover can not consistently verify the account across consumer reporting agencies. 

More than 30 additional days have passed since the dismissal documentation and disputes were provided, yet Discover has failed to correct or delete the inaccurate reporting with XXXX  and XXXX. 

Discover is furnishing information that they know or should know is inaccurate, and the consumer reporting agencies have failed to ensure maximum possible accuracy. 

Why is this an issue? 

There is no judgment The lawsuit was dismissed by the court Discover abandoned the legal action The account is being reported as collectible despite dismissal Reporting is inconsistent across credit bureaus XXXX  deletion proves lack of verification Discover has failed to update or correct the legal status This violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) Continued reporting violates FCRA 607 ( b ) and 611

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation