vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened an XXXX XXXX XXXX  account prior to experiencing a XXXX XXXX  that left me XXXX for months, which led to significant financial and personal hardship and the inability to deal with these hardships due to being incapacitated. Due to the severity of the circumstances, I fell behind on my payments. After I began recovering, I contacted XXXX ( XX/XX/XXXX ) to request verification or deletion of the outstanding balance on the account, as I had difficulty recalling the exact amounts owed. Upon receiving documentation from XXXX confirming the amount due, I imediately made the full payment upon recieving verification ( XX/XX/XXXX reported XX/XX/XXXX ) Before I made the request for clarification or the deletion of the report, my credit report accurately reflected the three months with missed payments, a charge-off and a balance of " 30, '' " 60, '' and " 90 '' days past due. The remaining months on the report were marked as blank and this would have been around XXXX through XX/XX/XXXX. However, after I submitted my request for information or the deletion of the account from my credit report, I observed a significant change. The account now shows all months leading up to the payment as missed and charged off, which is a substantial misrepresentation of my payment history. 

This alteration has resulted in a detrimental impact on my credit report, and I believe this change is both inaccurate and unjust. The updated information does not reflect the actual timeline of events and may be a retaliatory action in response to my request for clarification. This modification has caused harm to my credit standing and ability to obtain credit, and the updated report is not only factually incorrect but also potentially retaliatory in nature. 

I am requesting that these derogatory marks and items be removed from my credit report, including but not limited to removal from EXPERIAN, XXXX XXXX XXXX Please investigate this matter and make the necessary changes, updates or deletions for the disputed and/or derogatory item ( s ) as soon as possible. I appreciate your prompt attention to this matter and I hope to hear from you soon regarding a solution to our mutual satisfaction, thank you

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 2025-09-30 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: TX

Complaint narrative:
I opened an XXXX credit card account prior to experiencing a life-altering accident that left me incapcitated for months, which led to significant financial and personal hardship and the inability to deal with these hardships due to being incapacitated. Due to the severity of the circumstances, I fell behind on my payments. After I began recovering, I contacted XXXX ( XX/XX/XXXX ) to request verification or deletion of the outstanding balance on the account, as I had difficulty recalling the exact amounts owed. Upon receiving documentation from XXXX confirming the amount due, I imediately made the full payment upon recieving verification ( XX/XX/XXXX reported XX/XX/XXXX ) Before I made the request for clarification or the deletion of the report, my credit report accurately reflected the three months with missed payments, a charge-off and a balance of " 30, '' " 60, '' and " 90 '' days past due. The remaining months on the report were marked as blank and this would have been around XXXX through XX/XX/XXXX. However, after I submitted my request for information or the deletion of the account from my credit report, I observed a significant change. The account now shows all months leading up to the payment as missed and charged off, which is a substantial misrepresentation of my payment history. 

This alteration has resulted in a detrimental impact on my credit report, and I believe this change is both inaccurate and unjust. The updated information does not reflect the actual timeline of events and may be a retaliatory action in response to my request for clarification. This modification has caused harm to my credit standing and ability to obtain credit, and the updated report is not only factually incorrect but also potentially retaliatory in nature. 

I am requesting that these derogatory marks and items be removed from my credit report, including but not limited to removal from XXXX XXXX  and TRANSUNION. Please investigate this matter and make the necessary changes, updates or deletions for the disputed and/or derogatory item ( s ) as soon as possible. I appreciate your prompt attention to this matter and I hope to hear from you soon regarding a solution to our mutual satisfaction, thank you

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 2025-09-30 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: CA

Complaint narrative:
Upon reviewing my recent Experian credit report, I was disheartened and frustrated to find late payment notations that are entirely inaccurate and misrepresent my payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Both accounts are marked as late payments despite the reports clearly showing that there are no outstanding past due amounts. These errors are not minor clerical issuesthey paint a false picture of my financial responsibility, suggesting that I have missed payments when in fact I have been fully compliant with my obligations. This has caused me both stress and tangible harm, including lower credit scores, worse loan offers, and the constant burden of having to explain these inaccuracies to lenders who review my credit history. 

This is a violation of my rights under 15 U.S.C. 1681i, which requires that any disputed item be properly reinvestigated. Accurate verification should involve original account-level documentation, such as billing statements or payment records. Reporting these late payments without proper verification also violates 15 U.S.C. 1681e ( b ), which obligates consumer reporting agencies to maintain the maximum possible accuracy. Experians reporting in this instance fails to meet that standard. 

The repeated presence of such inaccuracies on my credit report suggests a concerning pattern of carelessness in reporting. I am fully aware of my rights under the FCRA and will not tolerate continued misrepresentation of my credit history. Each inaccuracy unfairly impacts my financial opportunities and subjects me to undue stress and embarrassment.

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 2025-09-30 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-09-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD XX/XX/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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that unauthorized accounts that were compromised or affected by this breach be immediately deleted from your records. 

XXXX XXXX XXXX XXXX {$0.00}

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 2025-09-30 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: NV

Complaint narrative:
I am writing to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that unauthorized accounts that were compromised or affected by this breach be immediately deleted from your records. 

XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I was contacyed mutiple times about a XXXX XXXX XXXX credit card that was sold to a 3rd party and they threaten to sue me if i didnt pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigat
ion of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft,
not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
Optum bank charged me undisclosed fees once my balance for my XXXX went below a certain amount. These have been charged to my account for YEARS. I did not receive prior notice of these fees and would have closed the account had I been informed. 

I called customer service, and they offered me {$7.00} vs. the hundred they took from me., They wanted to default to an ex-employer disclosure, but I never had an agreement with Optum Bank. The disclosure does not protect them from taking hundreds of dollars from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
This phone number called me on Thursday, it was a man named XXXX XXXX. This man XXXX XXXX told me I had money owed to from a loan I took. Told me the amount I owed and if I was willing to pay. I told him I have XXXX XXXX XXXX one with medical problems and I am not working. I said that when I began working I was willing to make a payment plan. That wasnt good enough he said to ask family to help, I said I would be willing to ask. So I spoke to family they said it sounded like a scam, I then called back said I needed documentation from them before anything would be paid. He then got very mean and aggressive and said he hopes for my sake I call back, and that I will have court fees and other fees added when taking me to court. I started crying extremely upset with the way he was speaking to me. He said I already received emails from the company structured settlement and I have no such email or mail from them. He was extremely rude so I told him I would take the court route since he wasnt willing to provide me with documentation and the way I was being threatened I did not feel comfortable on the phone with him.

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 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital one auto finance claims to have extended the monthly payments on my loan on seven occasions. I'm requesting the signed agreement for the loan extension ( s ) and the change in the amount of interest or payment terms if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-30 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-30 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: CT

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
EASTERN ACCOUNT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERN ACCOUNT SYSTEM 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
Upon reviewing my credit report on XX/XX/year>, I discovered an account reported under my file that I have no prior knowledge of. I was never contacted by the creditor, never received billing statements, and was not informed of any balance due. The account appears to have been opened or reported without my authorization or awareness. 

The reported balance of {$460.00} is unfamiliar to me, and I have never acknowledged or agreed to this debt. Because I had no prior notice, I was unable to dispute it until now. After discovering this item, I immediately requested verification and supporting documentation from the credit bureau and the furnisher. To date, no valid documentation has been provided. 

This account is being reported inaccurately and is causing harm to my credit profile. Under the Fair Credit Reporting Act, all information must be accurate and verifiable. Since this debt can not be substantiated, I am requesting that it be investigated promptly and deleted from my credit file if the company can not provide complete verification.

Company response to consumer: Closed with explanation