vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I called on XX/XX/XXXX and XX/XX/XXXX in the year XXXX. I also spoke with the XXXX  on XX/XX/XXXXXXXX  and was able to go into forbearance with a retroactive date. I was given options to submit paperwork and the portals never worked. I even sent letters and they were never received. I am requesting my payment statuses for my edfinancial accounts be removed from negative and be updated.

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 2025-11-26 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: TX

Complaint narrative:
I called on XX/XX/XXXX and XX/XX/XXXX in the year XXXX. I also spoke with the XXXX  on XX/XX/XXXX and was able to go into forbearance with a retroactive date. I was given options to submit paperwork and the portals never worked. I even sent letters and they were never received. I am requesting my payment statuses for my XXXX  accounts be removed from negative and be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I called on XX/XX/XXXX and XX/XX/XXXX in the year XXXX. I also spoke with the XXXX  on XX/XX/XXXX and was able to go into forbearance with a retroactive date. I was given options to submit paperwork and the portals never worked. I even sent letters and they were never received. I am requesting my payment statuses for my XXXX  accounts be removed from negative and be updated.

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 2025-11-26 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed 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 2025-11-26 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I am submitting this follow-up complaint regarding multiple inaccuracies on my credit report, which remain unresolved despite my prior disputes with the three major credit bureaus. The following items continue to be reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX ( Accounts XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX ), both showing a balance of {$0.00} and inaccurately reported as charge-offs, which violates FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], and FCRA 605B / 1681c-2 ; XXXX ( Account XXXX XXXX, showing a balance of {$0.00} and charged-off, which violates FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] ; XXXX XXXX  ( Account XXXXXXXX XXXX XXXX  ), showing a balance of {$2400.00} with no 1099-C form provided, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and FCRA 611 ( a ) ( 5 ) ( A ) ; and XXXX XXXX ( Accounts XXXX, XXXX, XXXX XXXX ), which remain unverified and were reported without the required FDCPA 809 [ 15 U.S.C. 1692g ] debt validation notices, violating FDCPA 807 [ 15 U.S.C. 1692e ] and FCRA 605B / 1681c-2.

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 2025-11-26 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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.

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 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
Formal Complaint Letter Against NetCredit To Whom It May Concern : I am writing to formally lodge a complaint against XXXX regarding the predatory interest rates and excessive fees charged on their personal loans. The terms of my loan were presented as a legitimate installment loan, but the actual costs have proven to be unconscionable and exploitative.

Details of Complaint Company : XXXX ( Enova International , Inc. ) Issue : Excessive interest rates and fees far above industry norms Impact : The repayment terms result in paying back two to three times the original loan amount, creating undue financial hardship State : Indiana ( where lending laws are being leveraged to allow these practices ) Grounds for Complaint XXXX XXXXPRs often range from 34 % to over 150 %, which is far beyond reasonable lending standards. 

The company markets these loans as installment loans to circumvent payday lending restrictions, misleading borrowers. 

The fees and interest charged are designed to trap borrowers in cycles of debt. 

Requested XXXX I respectfully request that regulators investigate XXXX lending practices for potential violations of consumer protection laws. Specifically : Review the legality of the APRs and fees charged. 

Assess whether XXXX marketing practices are misleading. 

Provide relief to affected borrowers, including myself, by enforcing fair lending standards. 

Supporting Documentation I have retained copies of my loan agreement, payment history, and communications with NetCredit, which I am prepared to provide upon request. 

Conclusion The fact that they charged an extra {$300.00} of interest when I borrowed more after starting to pay them back and was already charged {$300.00} and paid that borrowed a {$100.00} and Than all of a sudden I owe another {$300.00} some odd dollars on top of it every time I borrow at the end of the loan. Not only is the original fee ridiculous, ( willing to accept that ) But the fee people arent ready for if they keep borrowing even small amounts at the end of their loan is terrible and deceiving. If Im not explaining it well. Please tell me. Bottom line they take advantage of the vulnerable, poor, people with low credit scores ( poor people ) socked with fees no one sees coming or would expect. Theyre shady. A very shady business XXXX practices are harmful to consumers and should be subject to regulatory scrutiny. I urge your office to take immediate action to protect borrowers from these predatory lending tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXXXXXX XXXX XXXX TransUnion LLC XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Incorrect Information Under the Fair Credit Reporting Act ( FCRA ) Identity Theft Claim To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report maintained by TransUnion. I have been a victim of identity theft, and as a result, fraudulent accounts and incorrect information that does not belong to me have been reported to your bureau. This false and inaccurate reporting has caused significant harm to my life, credit, financial opportunities, and well-being.Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. I am exercising this right and demanding that you conduct a reasonable investigation and remove all false information within 30 days.Inaccurate Information in Question : Fraudulent accounts opened in my name without my authorizationAccounts reported as delinquent that I did not incurLate payments attributed to me that are falseAccounts I did not open or useI have attached the following documentation in support of this dispute : Copy of my Identity Theft ReportCopy of my credit report with inaccurate items highlighted/circledSupporting documents proving fraud and my lack of responsibility for these accountsLegal Obligation : You are required by federal law to : Conduct a thorough and reasonable investigationContact the furnisher ( s ) of this information and request verificationIf the information can not be verified or is found to be inaccurate, delete or correct it immediatelyProvide me with a corrected credit report at no chargeNotify me of the results within 30 daysI request that all inaccurate information be removed from my credit file immediately and that I receive a corrected copy of my credit report.Thank you for your prompt attention to this serious matter. I expect your response within 30 days.Sincerely, XXXX XXXX XXXX ( Your Signature ) Attachments : Copy of credit report with disputed items highlightedIdentity Theft ReportSupporting documentation. 
I want you to cease and assist I want to take him to court I want to shoot I want to shoot for for Miss reputation of your job and misreportation of my credit report cuz I was in XXXXXXXX XXXX XXXX when all this went on and you reporting stuff that isn't me and is messing my life up so I need conversation I need XXXX {$150000.00} and class helped me get my credit back right

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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate information reported on my TransUnion credit report, specifically concerning my account with XXXX XXXX ( Account Number : XXXX ) which shows a balance of {$19000.00}, a last activity date of XX/XX/year>, a last payment of XX/XX/year>, and an account opening date of XX/XX/year>, with a reported 30-day late payment in XX/XX/year>XXXX  that I have verified as incorrect ; despite my repeated attempts to have TransUnion and XXXX XXXX XXXX and correct this information under the Fair Credit Reporting Act ( FCRA ) sections 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), 623 ( b ), 1666, and 1666a, the account continues to reflect inaccurate late payment data, which has adversely affected my credit score and financial standing, and I am providing copies of statements and payment records confirming timely payment for the disputed period, yet the reporting persists without proper verification or correction.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I am formally disputing the collection account being reported by Penn Credit Corporation, which does not belong to me and appears to be the result of identity theft. This account is inaccurate, unverifiable, and being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

On XX/XX/XXXX, I contacted Penn Credit Corporation and requested validation of the alleged debt, including : Documentation bearing my wet-ink signature that allegedly authorized or initiated this account ; Verification of their legal right to collect, as required under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 
To date, no documentation or verification has been provided. 
Under the FCRA : 15 U.S.C. 1681i ( a ) requires consumer reporting agencies ( CRAs ) to conduct a reasonable investigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers ( such as collection agencies ) from reporting information they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct an investigation and provide verification once a dispute is received from a CRA.

15 U.S.C. 1681c-2 ( Section 605B ) provides consumers the right to block information resulting from identity theft.

I also provided FTC Report Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The debt collector failed to validate the debt under FDCPA 809 ( b ).

They did not provide any documentation, contract, proof of assignment, or itemized accounting. 
Despite failing to validate, they continue to furnish negative information and attempt to collect. 
This is a violation of FDCPA 807, 808, 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ).

I request full deletion of the unvalidated account and an investigation into their illegal furnishing and collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
To Whom It May Concern, My consumer file is still carrying false and unverifiable information even after prior disputes, which violates my rights under the FCRA. These errors have harmed my creditworthiness and must be corrected immediately under 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681c.

ADDRESS XXXX XXXX XXXX, XXXX, PA XXXX This address is also not mine and should never appear on my report. Its continued presence shows you are not maintaining proper accuracy as required by 15 USC 1681e ( b ), and you must remove it under 15 USC 1681i since it can not be verified. 

XXXX XXXX XX/XX/year> This inquiry was not authorized by me. There was no application or permission, meaning it lacks permissible purpose under 15 USC 1681b, and your reinvestigation duties under 15 USC 1681i require deletion.

These items are not mine and can not be verified. Federal law requires accurate reporting and deletion of unverifiable data, and I am demanding immediate correction and compliance with all applicable FCRA sections listed above.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I am submitting this formal complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX  On XX/XX/, I sent the agency a written request for debt validation pursuant to 15 U.S.C. 1692g, after they contacted me attempting to collect the alleged debt referenced above. Under federal law, the collection agency is required to : Provide proper validation of the alleged debt, Cease all collection activity until validation is provided, and Refrain from reporting or continuing to report the debt to credit bureaus until proper validation is supplied. 

As of today, the agency has failed to provide any validation, nor have they acknowledged my request. Despite this, they have continued one or more of the following actions Continued contacting me attempting to collect Reported the debt to credit bureaus Continued reporting the debt without marking it as disputed Added fees or interest This lack of response constitutes a violation of my consumer rights under federal law. I am requesting that the CFPB investigate this matter and require [ Collection Agency Name ] to comply with the FDCPA, including providing proper debt validation, ceasing all collection activity until they do so, and correcting any improper credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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 filing this complaint because TransUnion is reporting several accounts with clear errors and apparent duplication. The XXXX accounts especially appear multiple times with different balances for the same dates. 

Accounts in Dispute XX/XX/XXXXCARD Acct : XXXX Opened XX/XX/XXXX Balance : {$880.00} XXXX Bank XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Acct : XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : {$320.00} XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : {$320.00} XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : {$420.00} XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : {$410.00} These accounts appear to be duplicates, and the balances conflict with XXXX another. I am requesting that TransUnion verify each entry and delete or correct anything that can not be proven accurate.

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 2025-11-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XX/XX/year>XXXX  Subject : Request for Immediate Removal of Unauthorized, Inaccurate, and Fraudulent Accounts from My Credit Profile Pursuant to U.S.C. Code 1681a, c, and 605b, and Affidavit of Truth Laws To Whom It May Concern, I am writing today to demand immediate action regarding unauthorized, inaccurate, and fraudulent accounts that have been erroneously associated with my credit profile. Pursuant to the Fair Credit Reporting Act ( FCRA ) and relevant sections including U.S.C. Code 1681a, 1681c, and 605b, as well as Affidavit of Truth laws, it is imperative that you promptly address and correct these egregious discrepancies. 
The following accounts do not belong to me and were not opened or authorized by me : XXXX Account ending in XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX Account ending in XXXX These accounts reflect incorrect personal information and fraudulent activity tied to identity theft. I did not consent to, apply for, or open any of the above accounts. 
Under FCRA Section 605B, credit reporting agencies must block and remove information that results from identity theft once notified. I am exercising my right to have these fraudulent accounts immediately deleted, suppressed, and blocked from my credit file. 
I request the following actions : Immediate removal of all fraudulent accounts listed above.

Blocking of all related information connected to these accounts. 
Notification to all furnishers to cease reporting these accounts. 
An updated credit report reflecting the removal of the fraudulent items. 
Please complete these actions promptly and provide written confirmation once the corrections have been made. 
Thank you for your immediate attention to this urgent matter. 

Sincerely, 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
2. CFPB COMPLAINT DRAFT Subject : Complaint Against Equifax and Multiple Furnishers for Violating the FCRA Summary : My Equifax credit report dated XX/XX/year> contains multiple inaccurate, outdated, inconsistent, and unverifiable entries. I have disputed these items with Equifax and the furnishers as required by law. 

Details : Equifax Violations : Missing required sections ( inquiries, collections, public records ) Accepted contradictory and incomplete data from furnishers Reporting outdated derogatory information Not maintaining maximum possible accuracy ( FCRA 607 ( b ) ) Furnisher Violations : Denefits LLC : 4+ years of impossible 180-day delinquencies XXXX : Contradictory delinquency + pays as agreed, inconsistent coding XXXX XXXX : Inconsistent credit limits, incomplete payment history XXXX  XXXX XXXX : Conflicting credit limits and missing history Requested Resolution : Delete unverifiable or inaccurate data Provide full verification documentation Correct incomplete sections of my credit file Ensure compliance with FCRA 602A, 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) -

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