vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-28 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: CA

Complaint narrative:
I am writing to formally dispute one or more bankruptcy listed on my credit report. These entries are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe bankruptcy entries remain on my credit file without proper verification or correction. In some cases, these negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these bankruptcy entries and removal of any entries that can not be substantiated with accurate documentation.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint to dispute several accounts on my credit report that contain multiple inaccuracies, conflicting information, and unverifiable details. The discrepancies across bureaus make the reporting unreliable and prevent the accounts from being verified under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Disputed Accounts and Reporting Issues 1. XXXXXXXX XXXX Account # XXXXXXXX XXXX Inconsistent Balances and Status : XXXX  : {$20000.00} Balance {$0.00} Payment after charge off/collection Experian : {$20000.00} Balance {$0.00} Unpaid balance reported as a loss by credit grantor XXXX XXXX {$16000.00} Balance {$0.00} Charged off / Account transferred or sold Conflicting Dates : Date of Last Activity and Date Reported vary across bureaus. 

Closed dates differ : XXXX  = XX/XX/XXXX, XXXX  = XX/XX/XXXX Creditor Type Discrepancies : XXXX : Miscellaneous Banks EX/XXXX : Miscellaneous Finance Status remarks vary across bureaus XXXXXXXX XXXX Account # XXXXXXXX XXXX Inconsistent Balances and Status : XXXX : {$8000.00} Balance {$0.00} Charged off as bad debt Experian : {$8000.00} Balance {$0.00} Unpaid balance reported as a loss by credit grantor XXXX : {$3400.00} Balance {$0.00} Charged off account Conflicting Dates : Date of Last Activity and Date Reported differ across XXXX, XXXX, and XXXX Closed dates differ : XXXX = XX/XX/XXXX, XXXX = XX/XX/XXXX Creditor Type Discrepancies : XXXX : Miscellaneous Finance EX : Personal Loan Companies XXXX  : Miscellaneous Finance Status remarks differ across bureaus XXXX. XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent Balances and Status : XXXX : {$2600.00} Balance {$0.00} Charged off as bad debt / Purchased by another lender Experian : {$0.00} Balance {$0.00} Unpaid balance reported as a loss by credit grantor XXXX XXXX {$1400.00} Balance {$0.00} Charged off / Account transferred or sold Conflicting Dates : Date of Last Activity, Date Reported, and Closed Dates differ across bureaus Closed dates : XXXX = XX/XX/XXXX, XXXX = XX/XX/XXXX Creditor/Account Type Conflicts : High balances differ significantly Status descriptions vary ( Purchased by another lender, Unpaid balance reported as loss, Account transferred or sold )

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I identified an inaccurate entry on my credit report related to Portfolio Recovery Associates showing a balance of {$500.00}. I reviewed my records and confirmed that I do not owe this amount and did not open or authorize any account connected to this debt. 

After noticing the issue, I disputed the item with the credit bureau and requested validation from the company. Portfolio Recovery Associates did not provide proper verification and did not respond to my request. 

The inaccurate information is still appearing on my credit report, and it is negatively affecting me. I am requesting that this entry be investigated and removed if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was not late on payment apt over the limit and I was charged for both and my account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
My Target XXXX ( issued by TD Bank ) had {$66.00} in fraudulent charges. The account was paid off and not in use. 
Despite reporting the fraud, the bank has reported late payments to the credit bureaus. These charges were not mine and are under a documented fraud investigation. 
I am requesting immediate removal of all negative reporting and correction of my credit file, as this is inaccurate and causing harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
I applied for a home loan and discovered the negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MS

Complaint narrative:
To Whom it may concern : RE : Formal Notice of Metro-2, FCRA, FDCPA, and Reporting Violations Under 15 USC 1681 , 15 USC 1692, and CFPB regulations This letter is a formal demand for reinvestigation and correction under : - FCRA 15 USC 1681e ( b ) - FCRA 15 USC 1681i - FCRA 15 USC 1681s-2 - FDCPA 15 USC 1692e - CFPB Regulation V - Metro-2 CRRG Guidelines I am disputing the accounts listed below because the information being furnished is inaccurate, misleading, and not following Metro-2 reporting format. 
XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : - FCRA 1681e ( b ) - FCRA 1681i - FDCPA 1692e - Metro-2 violation - Case Law : XXXX XXXX TransUnion Request : Delete this from my credit report. 

XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : - Duplicate delinquency reporting - Metro-2 violation - FDCPA 1692e - Case Law : XXXX XXXX XXXX XXXX Request : Please delete this from my credit report. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : - Incorrect post-closure reporting - Metro-2 violation - FDCPA 1692e - Case Law : XXXX XXXX XXXXXXXX XXXX XXXX Request : Please delete this from my credit report. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ACTION REQUIRED : - Delete inaccurate payment history - Provide updated reports If unverifiable, you must remove it under FCRA 1681i ( a ) ( 5 ).

Sincerely,

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 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing a repossession account currently being reported under XXXX as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under UCC 9-611 and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: MS

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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: VA

Complaint narrative:
refusing to validate debt which violates my right under FDCPA and reporting inaccurate information to credit bureaus, causing this to affect my credit score and causing person stress over this matter. I need the debt collector to provide me with their license to be able to collect debt in my state. I need the debt collector to provide the chain of custody in the alleged debt. I also need the debt collector to provide purchase agreement on said debt. I am filing a complaint here with CFPB, BBB and attorney General. As i never received none of the documents stated above, I am requesting the debt creditor " LJ ROSS '' to send those documents as they are required by law, or to close, cease and deleted this alleged assumed debt from my credit report as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo placed a full funds-availability hold on a verified, legitimate payroll check from my employer in the amount of {$15000.00}. The check was issued by XXXX XXXX  through my employers payroll/positive-pay system and was hand-delivered to me. 

I deposited the check at a Wells Fargo branch on Tuesday, XX/XX/XXXX, and Wells Fargo immediately placed a hold on the full amount until XX/XX/XXXX, stating the automated system believes the check will not be paid. This is incorrect. My employer has already confirmed the check is valid, funded, and authorized, and XXXX XXXX  has no issues with the item. 

I have made multiple requests to Wells Fargo for manual verification, reconsideration, or escalation, but was repeatedly told no one can override the automated hold. I was informed this is fully automated and can not be reviewed manually. This contradicts Regulation CC, which explicitly requires reasonable review, reconsideration rights, and hardship consideration, especially for verified payroll items. 

The hold is causing imminent financial harm. I am in the final month of a mortgage repayment plan, and if I can not make the XXXX payment on time due to this hold, I will enter pre-foreclosure. This is my familys primary residence. I also intended to use these funds to resolve a separate Wells Fargo account currently in legal dispute. 

I am requesting : Immediate review of the check by a qualified risk/verification analyst Early release of funds based on employer confirmation A manual override of the automated system under Regulation CC Recognition of hardship and imminent harm criteria Wells Fargos failure to manually review the check or reasonably consider hardship violates federal guidelines and is placing my home at risk. I need immediate assistance.

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 2025-11-28 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: GA

Complaint narrative:
I am a victim of identity theft, and the credit reporting agencies have repeatedly failed to correct inaccurate information on my credit file. My personal information has been compromised multiple times through data breaches involving credit agencies, which has resulted in fraudulent and unauthorized accounts appearing on my credit reports. 

Since XXXX, I have been disputing multiple accounts that do not belong to me. Despite providing documentation, submitting disputes, and repeatedly requesting investigations, the information has not been corrected. These unresolved inaccuracies continue to harm me, and the credit reporting agencies have not fulfilled their obligations to conduct reasonable investigations under the Fair Credit Reporting Act. 

The accounts in question are listed in the attached documents. I am requesting that the CFPB review this matter, require a proper reinvestigation, and ensure these fraudulent accounts are removed from my credit 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because XXXX has reported my account as a charge-off to the credit bureaus, but they have not provided me with an IRS Form 1099-C. I am requesting that XXXX confirm whether the debt has been canceled, forgiven, or otherwise deemed uncollectible and, if so, provide the required Form 1099-C. I have attempted to obtain this information directly from XXXX, but I have not received a clear response or documentation. Without the 1099-C, I am unable to properly address my tax reporting obligations. I am asking the CFPB to assist in ensuring that XXXX provides confirmation of the account status and issues the appropriate Form 1099-C if a cancellation of debt has occurred.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because XXXX has reported my account as a charge-off to the credit bureaus, but they have not provided me with an IRS Form 1099-C. I am requesting that XXXX confirm whether the debt has been canceled, forgiven, or otherwise deemed uncollectible and, if so, provide the required Form 1099-C. I have attempted to obtain this information directly from XXXX, but I have not received a clear response or documentation. Without the 1099-C, I am unable to properly address my tax reporting obligations. I am asking the CFPB to assist in ensuring that XXXX provides confirmation of the account status and issues the appropriate Form 1099-C if a cancellation of debt has occurred.

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 2025-11-28 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: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
Company attempting to collect debt not owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
all company listed in downloaded info as incorrect info report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These accounts are reported inaccurately, and I request that they be investigated and updated in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  / XXXX  Account Number : XXXX XXXX / XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation