vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: WA

Complaint narrative:
I disputed an account being reported by XXXX XXXX. XXXX  own documents show the account began in XXXX with claims of a charge-off in XXXX, but the last payment date was left blank and the full history from the original creditor is missing. However, TransUnion continues to report the Date Opened as XX/XX/XXXX, which is factually false and claims this has been verified. By relying on these inconsistent and incomplete records, TransUnion has failed to ensure accurate reporting. 

Even though the closed date shows XXXX, the false open date misrepresents the true age of the account. This makes the account appear newer and more negative than it actually is, which is misleading and harmful to my creditworthiness. 

Under the Fair Credit Reporting Act FCRA 1681i, TransUnion is required to conduct a reasonable reinvestigation when a consumer disputes information. Their results show they failed to correct the inaccurate open date, despite the furnisher confirming the account began in XXXX. 

I request that TransUnion conduct a proper reinvestigation and obtain the complete account history, including the missing years and Date of First Delinquency, to verify the debt. If the account is to remain, the Date Opened must be updated to match the original creditors reporting from XX/XX/XXXX. If accurate reporting can not be ensured, I request deletion of the account entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts that have been wrongfully included on my credit report. These accounts are not associated with me, were never authorized by me, and their presence has created a damaging and inaccurate portrayal of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: Credit Control, LLC
State: TX

Complaint narrative:
This company has ignored me for months and has failed to provide even the most basic documentation to support the debt they are reporting. I have now mailed a certified Notice of Intent to Sue that was delivered to their office in XXXX, MA. I am no longer asking them for cooperationI am simply documenting every instance of their silence for use in court. 

At this point, I am only waiting for my two-week deadline to expire before I file suit. Their refusal to respond to dozens of CFPB complaints and now a formal NOI is clear evidence of bad-faith practices. This complaint, like all the others, will be presented in front of a judge as proof of their pattern of ignoring lawful requests and consumer rights. 

Until then, I will continue to file daily complaints to ensure there is an undeniable record of their misconduct.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance Dispute inaccurate items on my credit report. Importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am formally disputing the fraudulent accounts currently reported under my credit profile. I want to make it absolutely clear that I did not authorize, open, or in any way participate in these accounts. Their reporting is false, misleading, and represents a severe breach of the accuracy that must be maintained in 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 2025-09-25 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 financial ethics are wrongly depicted in the review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates , LLC initiated contact to collect an alleged debt but did not supply enough information for me to verify its validity. I did not receive a complete validation notice as required by law. Specifically, the company failed to provide the following required details in their communications : The name of the original creditor The account number associated with the alleged debt An itemization of the current amount owed, including interest, fees, payments, and credits The total debt amount when the notice was provided Instructions on how to dispute the debt or request additional information Under CFPB regulations, debt collectors must provide sufficient information for me to determine if the debt is valid and how to properly dispute it. I have made requests for this information, but Portfolio Recovery Associates has not responded with proper documentation. 

I am unable to confirm whether this alleged debt is mine or the terms attached to it, and Portfolio Recovery Associates has continued collection activity despite this lack of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
This is my XXXX dispute, and I am appalled by the data furnisher and credit bureaus ' blatant disregard for federal consumer protection laws. Under FCRA Section 611 [ 15 U.S.C. 1681i ], they are obligated to perform a lawful reinvestigation. However, no original, verifiable documentation has been provided. Instead, Ive received generic templates and unverifiable responseswhich do not constitute proof of accuracy.

The account in question is riddled with Metro 2 violations, including inconsistent date of first delinquency ( DOFD ), incorrect account status codes, and inaccurate reporting of balances. This is a direct violation of Metro 2 Format Requirements as outlined by the Consumer Data Industry Association ( CDIA ), and a failure to comply with FCRA Section 623 obligations to ensure maximum possible accuracy.

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 2025-09-25 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
On XX/XX/year> an online purchase at merchant : XXXX XXXX XXXX for {$370.00} was fraudulently made on our SoFi debit card. We submitted a claim immediately/same day. Initially SoFi, credited our account for the full value. However now after a " thorough investigtaion '' SoFi is removing the credit, and stating the transaction was not fraudulent. It clearly was/is... 

This transaction was made by XXXX XXXX and the items ordered were sent to their address in California. That is not either of our names, nor do we live in California. I have contacted SoFi, and they stated there is little they can do, and we must appeal the charge. They were supposed to send us a form to fill out for the appeal. We have not received any such email. The SoFi customer service representative was less than helpful, and seemed like he did not want to handle this.

SoFi also does not have a uniform & quick operation to dispute these charges, and we have received multiple differing opinions on the matter. Ultimately this needs to be addressed by SoFi, and I am hoping the CFPB can address this.

Their " thorough investigation '' was less than thorough as they could have easily seen the name on the order, and the address the items were sent to, realizing this transaction was in-fact not made by us the account holder, and the address it was sent to is clear across the country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-25 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: IL

Complaint narrative:
XXXX is furnishing information that is excluded from my consumer report under 15 U.S.C. 1681a ( 2 ). This statute specifically excludes any report containing information solely as to transactions or experiences between the consumer and the person making the report. In other words, information about my direct transactions or experiences with XXXX should not be reported as part of my consumer credit report. 

Despite this, a late payment for XXXX was reported on my XXXX credit card account. This information constitutes a transaction/experience between myself and XXXX, and therefore should not be reported. The reporting of this late payment is inaccurate and unlawful under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
XXXX is furnishing information that is excluded from my consumer report under 15 U.S.C. 1681a ( 2 ). This statute specifically excludes any report containing information solely as to transactions or experiences between the consumer and the person making the report. In other words, information about my direct transactions or experiences with XXXX should not be reported as part of my consumer credit report. 

Despite this, a late payment for XXXX was reported on my XXXX credit card account. This information constitutes a transaction/experience between myself and XXXX, and therefore should not be reported. The reporting of this late payment is inaccurate and unlawful under the Fair Credit Reporting Act.

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 2025-09-25 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-09-25 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Written Statement of Identity Theft Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last XXXX Digits ) : XXXX Date of Birth : XX/XX/year> To Whom It May Concern : I am a victim of identity theft. I did not open, authorize, or have any knowledge of the Fair Collections & Outsourcing that is currently being reported on my XXXX  credit file. This account is fraudulent and was created without my authorization or consent. 
I am exercising my rights under the Fair Credit Reporting Act, XXXX5 U.S.C. 1681c-2 ( FCRA 605B ), which requires consumer reporting agencies to block and remove information that a consumer identifies as the result of identity theft upon receipt of a valid identity theft report and supporting documents. 
Enclosed are : My FTC Identity Theft Report, A copy of my government-issued identification, Proof of my current address, And this written statement. 
I demand that Experian immediately block and delete the fraudulent Fair Collections & Outsourcing account from my credit file within XXXX ( XXXX ) business days, as required by law. 
This information is false, unverifiable, and the direct result of identity theft. I will not be held responsible for any debts or obligations related to this account. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

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 explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: DISCOVER BANK
State: VT

Complaint narrative:
I applied for a Discover card on XX/XX/year> based on the promotional information that it would have " no impact to your credit score. '' It seems that this was for pre-approval only and my credit did get a " hard look '' which has substantially lowered my score.

I canceled my application for this misleading practice after a very rude interaction with a Discover Card agent and wish to have my credit score restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation