vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: IN

Complaint narrative:
I am writing to formally dispute the alleged balance of {$4000.00} that your agency has reported and is attempting to collect. This matter concerns a former rental property that was transferred by quitclaim deed on XX/XX/XXXX, during which I was still residing in the home. 

Per Indiana XXXX XXXX, when a landlord conveys property that includes a rental dwelling, the tenant must be given written notice of the conveyance, and the landlord remains liable for all obligations and the security deposit until such notice is properly provided and acknowledged. I was never notified of the transfer of ownership, nor of any changes to rent payment instructions or the status of my lease. 

At the time, I was pre-qualified to purchase a home, and no notice of sale or transfer was ever provided to me by the landlord or their representative. The ledger I received does not match the remaining balance stated by the guarantor, and the court case was closed and sealed with no balance owed. Furthermore, no damage hearing was ever held, and therefore no additional charges were lawfully determined or assessed. 

Despite this, I recently received a notice from another collection agency asserting a new balance of {$560.00}, which appears to be false and unsupported. All relevant documents are attached, including the quitclaim deed, prior ledgers, and court disposition verifying that this matter was previously resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
The XXXX  XXXX XXXX was sent as a voluntary repossession because of the engine needing to be replaced with a crack head gasket. The amount of car loan is incorrect, and number of missed payments are also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is 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 2025-10-21 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: CA

Complaint narrative:
I am writing to dispute several unauthorized accounts appearing on my credit report. I did not open, authorize, or manage these accounts, and their presence is inaccurate and misleading. This situation has caused me serious concern, as I take my credit profile very seriously.

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 2025-10-21 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: MI

Complaint narrative:
The entry in question is inconsistent with my payment history and seems inaccurate. Please review and remove it from my file.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is 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 2025-10-21 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: OH

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-10-21 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: NV

Complaint narrative:
I am a victim of identity theft, and XXXX collection XXXX XXXX XXXX and XXXX XXXX XXXX reported or attempted to collect debts that do not belong to me. I did not authorize or open any accounts associated with these collections. I have disputed these items with the credit bureaus and notified both agencies that the debts are fraudulent, but they have failed to remove or validate them properly. I am requesting that the CFPB investigate and require these companies to delete all inaccurate and fraudulent accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TX

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 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 2025-10-21 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX ) PayPal using ( Me as a XXXX XXXX ) my sent money to a recipient in order to collect money due to them from the from the recipient I'm trying to send money to. I'm not PayPal 's XXXX Agency. This should be against the law. Or at the very least if I'm sending money to somebody that owes them money I should be notified THEY ARE NOT GOING TO GET IT! 

XXXX ) Sending money to a Hacked Account without care that the sender and recipient losses the Money. 

XXXX ) And this is the most XXXX part, PayPal will accept money sent to invalid, non-existent, closed accounts email addresses and hold that money for 30 days and/or causing the misdirected money senders amazing hardships, time and energy getting that money back. 
If an email is non-existent or from a closed account, that 'payment ' should be rejected/denied. 
The fact they except payments to close accounts or non-existent email addresses just shows the serious XXXX of their System. This is a Marketing Ploy as well a way to make money/interests on monies they should never have received/accepted/taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureau , I am disputing the reporting of XXXX, on my credit file. 

Disputed Errors : Duplicate and contradictory payment history reporting. 

Status marked as closed while derogatory updates continue. 

Balance inconsistencies across reporting periods.

Violations : FCRA 607 ( b ) : Failure to report accurate information.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition against reporting information known to be inaccurate.

FCRA 611 : Duty to reinvestigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureau , I am disputing the reporting of XXXX, on my credit file. 

Disputed Errors : Duplicate and contradictory payment history reporting. 

Status marked as closed while derogatory updates continue. 

Balance inconsistencies across reporting periods.

Violations : FCRA 607 ( b ) : Failure to report accurate information.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition against reporting information known to be inaccurate.

FCRA 611 : Duty to reinvestigate.

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 2025-10-21 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX 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 ( XXXX ) 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.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 


Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: WI

Complaint narrative:
XXXX, {$55.00}, I'm trying to link my debit card to transfer funds and the bank is declining it. I had this same issue a couple times before and this is denying me service to an account both parties agreed upon. I'm not sure why this issue is occurring and I'm trying to make sure this doesn't continue to be a issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
On or around XX/XX/year>, I received a collection letter from Transworld Systems Inc. ( TSI ) regarding a XXXX XXXX  account with a balance of {$77.00}. 
This debt has already been fully paid, but it continues to be reported as a collection on my credit report, which is inaccurate and harmful. 
I have attached a copy of the original collection letter marked as Paid and my valid state identification as proof of identity. 
Under the Fair Credit Reporting Act ( FCRA ), furnishers must ensure that all information they report is accurate and updated. Reporting a paid account as open or delinquent violates this obligation. 
XXXX filing this complaint to ensure this inaccurate information is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX XXXX last XXXX of social XXXX SENTRY CREDIT continues to FRAUDULENTLY be REPORTING TO BE ORIGINAL CREDITOR AS THEY HAVE BEEN FOR NANY YEARS MANY ACCOUNTS! XXXX. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The FCRA governs how credit information can be reported. The relevant section is : 1681s-2 ( a ) : Duty of furnishers to provide accurate information Creditors ( called furnishers ) must report accurate and complete information. 
If they sell or transfer a debt, they must update the tradeline to show a {$0.00}!!!!!! balance and note that the account was sold or transferred. 
If they continue to report it as open, delinquent, or with a balance after the sale, that is inaccurate reporting which violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MI

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-21 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: NJ

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had Identity Theft in the State of Texas coming from XXXX  Florida & on top of that XXXX of my houses got broken In & they literally stole over {$5000.00} over me by Putting nails in all of the XXXX cars I owned here in TX & stealing Food Supplies & clothes So I am not sure if the State Understands the status that I've been On over the past XXXX YRS If they don't I'll be glad to take that Impersonator to Trial & all of the teachers that thought me in XXXX too put them in their place & the little XXXX related people as well in all of the Misery towns here in Tx. 

P.S. I am XXXX to speak to all of the Senators as well & the XXXX perhaps if he has some time available among myself at least XXXX min talking to me to explain him everything that happen to me. 

Respectfully, 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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a long term Bank of America XXXX with XXXX Credit cards XXXX card i use every month to pay my grandkids XXXX XXXX tutuion, currently BoA has charged twice they told me they erroed and would correct it 10 days they still have failed to correct the double charge and only provide excuse like the Gov is shut down? 

They are still withholding over $ XXXX on my XXXX XXXX ending in XXXX today they told me they are not sure how to fix the problem

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