vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: FL

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccurate and misleading entries on my credit report, which have caused significant inconvenience and potential harm to my creditworthiness. Despite my attempts to resolve these matters directly with the reporting institutions, the issues remain unresolved. 

The inaccuracies include the following : Incorrect Address Reporting XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX These addresses are not associated with me, yet they appear on my credit report. 

Accounts with Incorrect Status or Reporting Errors XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, High Credit {$27000.00} Reported as Late Payment. 

XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, High Credit {$500.00} Reported as Charge Off. 

XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, High Credit {$18000.00} Reported as Charge Off. 

XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, High Credit {$770.00} Reported as Late Payment. 

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, which I did not authorize. 

These inaccuracies are negatively affecting my credit profile and are inconsistent with the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and verifiable. 

I request the CFPB to investigate these matters and ensure that the reporting institutions correct or remove the inaccurate information immediately. I also request confirmation once these corrections have been completed.

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 2025-10-18 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: NY

Complaint narrative:
Sent certified letters for validity of account. They only sent back twice the amount owed from existing credit card company and few pages of account not full. I requested to see full acccount summary itemized accounting of alleged balance and a copy of signed contract or application linking me to the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-18 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 filing this complaint because the account from XXXX XXXX XXXX has been reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ( b ) ). 

Upon my first initial dispute, this account was not reporting on my Equifax credit report only on Experian and TransUnion. However, after I disputed the account for inaccuracy and unverifiable information, it has now appeared on my Equifax report, which was not the case originally. 

This change indicates unlawful reinsertion and improper reporting, as the account was not verified as belonging to me, and no notice of reinvestigation or new verification was provided as required under FCRA 1681i ( a ) ( 5 ) ( B ). 

Experian has since deleted this same XXXX XXXX XXXX collection as of XX/XX/year>, confirming that the item was unverifiable or inaccurate. Therefore, the account must be considered invalid and should be removed from all consumer reports for consistency and compliance. 

Additionally, the inconsistent reporting across bureaus and the new appearance on Equifax after my initial dispute violates my right to accurate and fair reporting under the FCRA. I have attached proof of XXXX deletion, TransUnions pending dispute, and my Equifax report showing this newly added collection that did not exist prior. 

Attached documentation confirms that this XXXX XXXX XXXX account did not exist on my Equifax report prior to my dispute and only appeared afterward, constituting a violation of FCRA 1681i ( a ) ( 5 ) ( B ). This unlawful reinsertion occurred without proper certification of accuracy or notice to me within XXXX business days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: FL

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) as found on my Credit Report dated XX/XX/year>. 

Upon thorough review, I identified several accounts reporting inaccurate, unverifiable, and duplicative information, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being reported in violation of : FCRA 602 ( A ), 611 ( a ), 623 ( a ) ( 1 ) Failure to ensure maximum accuracy and reinvestigate disputed data FDCPA 807 ( 2 ) ( A ), 809 ( b ) Misrepresentation and failure to validate debts 15 U.S.C. 1681n, 1681o Civil liability for willful or negligent noncompliance I request immediate reinvestigation and deletion of all unverifiable or inaccurate accounts.

Additionally, I seek monetary compensation for damages under 15 U.S.C. 1681n and 1692k, for negligent and willful reporting of false information to the credit bureaus.

Please confirm receipt of this complaint and provide the results of your investigation within the timeframes prescribed under the FCRA ( 15 U.S.C. 1681i ( a ) ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: FL

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) as found on my Credit Report dated XX/XX/year>. 

Upon thorough review, I identified several accounts reporting inaccurate, unverifiable, and duplicative information, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being reported in violation of : FCRA 602 ( A ), 611 ( a ), 623 ( a ) ( 1 ) Failure to ensure maximum accuracy and reinvestigate disputed data FDCPA 807 ( 2 ) ( A ), 809 ( b ) Misrepresentation and failure to validate debts 15 U.S.C. 1681n, 1681o Civil liability for willful or negligent noncompliance I request immediate reinvestigation and deletion of all unverifiable or inaccurate accounts.

Additionally, I seek monetary compensation for damages under 15 U.S.C. 1681n and 1692k, for negligent and willful reporting of false information to the credit bureaus.

Please confirm receipt of this complaint and provide the results of your investigation within the timeframes prescribed under the FCRA ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: FL

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my credit report from your organization. I did not authorize a credit application or grant permission for your company XXXX XXXX XXXX XXXXXXXX ) to access my credit report on XX/XX/year>. I request that you provide documentation of my authorization for this inquiry. If no such documentation exists, I respectfully request that this inquiry be removed from my credit file immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 
Please send your response and any supporting documents to my address listed below. If this inquiry was made in error or fraudulently, I expect it to be deleted promptly. 
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 2025-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCF Intermediate Holdings LLC
State: OR

Complaint narrative:
This XXXX a payday loan that was from XXXXXXXX XXXX XXXX XXXX Speedy Cash. 
As of the transaction date XX/XX/XXXX I owed {$480.00}. 
Interest {$150.00} / Fees {$72.00} The total amount thats owed now {$710.00}. 
I have not been summons not only once but twice with a court date of XXXX XXXX and XX/XX/XXXX. They have also summons my son, someone who is under the age of XXXX. 
I haven't appeared to any court date or responded to any of the summons. I do want to mention that I no longer live in state of XXXX  and they keep sending people to my home which makes me feel very unsafe.. I want to also mention that piror to me being forced to go to court regarding this matter they have in the past had debt collectors contact me by phone threatening to take me to jail and using obscene lanuage as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: VA

Complaint narrative:
Experian has closed my dispute without deletion even after I provided proof that the furnisher, XXXXXXXX XXXX XXXX could not verify or provide evidence of a good-faith investigation. This demonstrates a failure to comply with 1681i ( a ) and 1681s-2 ( b ) of the Fair Credit Reporting Act. I request that the CFPB review Experians verification process and require deletion of the unverifiable account.

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 2025-10-18 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: PA

Complaint narrative:
My personal information was leaked in a data breach, unfortunately someone was able to open multiple accounts amongst other things using my personal information and these accounts are now negatively affecting my credit reports and hindering my financial security.

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 2025-10-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-18 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: SC

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies being reported on my credit file. First, the addresses XXXX XXXXXX/XX/XXXXXXXX and XXXXXX/XX/XXXXXXXX are not and have never been my valid or verifiable residential addresses. Reporting inaccurate personal information violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to ensure the maximum possible accuracy of the consumers data. 
Additionally, the following charge-off accounts are being inaccurately reported or remain unverifiable : XXXX XXXX ( Account ending in XXXX, Balance {$16000.00} ) andXX/XX/XXXX Account ending in XXXX, Balance {$55.00} ). Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data they know or have reasonable cause to believe is inaccurate. 
Furthermore, the following collection accounts appear inconsistent and unverified XX/XX/XXXX Balance {$1100.00} ) Many of these collection accounts appear duplicated or contain conflicting details, suggesting potential violations of FCRA 605 ( a ), which limits how and what information may be reported, and 611 ( a ), which entitles the consumer to a reinvestigation of disputed information.

Lastly, the excessive and unauthorized hard inquiries including those from XX/XX/XXXXXXXX and others between XX/XX/XXXX and XX/XX/XXXX appear without permissible purpose. This violates FCRA 604 ( a ) ( 3 ), which restricts credit inquiries to legitimate business or credit-initiating transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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 am filing this complaint to dispute multiple inaccuracies being reported on my credit file. First, the addresses XXXX XXXXXX/XX/XXXXXXXX and XXXXXX/XX/XXXXXXXX are not and have never been my valid or verifiable residential addresses. Reporting inaccurate personal information violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to ensure the maximum possible accuracy of the consumers data. 
Additionally, the following charge-off accounts are being inaccurately reported or remain unverifiable : XXXX XXXX ( Account ending in XXXX, Balance {$16000.00} ) andXX/XX/XXXX Account ending in XXXX, Balance {$55.00} ). Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data they know or have reasonable cause to believe is inaccurate. 
Furthermore, the following collection accounts appear inconsistent and unverified XX/XX/XXXX Balance {$1100.00} ) Many of these collection accounts appear duplicated or contain conflicting details, suggesting potential violations of FCRA 605 ( a ), which limits how and what information may be reported, and 611 ( a ), which entitles the consumer to a reinvestigation of disputed information.

Lastly, the excessive and unauthorized hard inquiries including those from XX/XX/XXXXXXXX and others between XX/XX/XXXX and XX/XX/XXXX appear without permissible purpose. This violates FCRA 604 ( a ) ( 3 ), which restricts credit inquiries to legitimate business or credit-initiating transactions.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I filed XXXXXXXX XXXX XXXX and received my discharge. Several accounts on my credit report are still showing as past due, late, or delinquent after my discharge, even though these debts were included in the bankruptcy and should show a {$0.00} balance with the status Discharged in Bankruptcy.

I have already disputed these inaccuracies with the credit bureau ( s ) and/or the original creditor ( s ), but they failed to correct the information or verified it as accurate. This incorrect reporting violates the Fair Credit Reporting Act ( FCRA ) and the bankruptcy discharge injunction under 11 U.S.C. 524.

I am requesting the CFPBs assistance to have the accounts updated to accurately reflect my bankruptcy discharge and remove all improper late payment or past-due notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I filed XXXX XXXX XXXX and received my discharge. Several accounts on my credit report are still showing as past due, late, or delinquent after my discharge, even though these debts were included in the XXXX  and should show a {$0.00} balance with the status XXXX in XXXX. 

I have already disputed these inaccuracies with the credit bureau ( s ) and/or the original creditor ( s ), but they failed to correct the information or verified it as accurate. This incorrect reporting violates the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX  injunction under 11 U.S.C. 524.

I am requesting the CFPBs assistance to have the accounts updated to accurately reflect my XXXX  XXXX and remove all improper late payment or past-due notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
I want to make clear this is not an error on my part. My credit report contains multiple inaccuracies that have not been reported with the accuracy the law requires. These persistent errors are causing significant hardship and ongoing harm to my financial life, the impact is real and substantial. I expect my concerns to be taken seriously and resolved promptly.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Basically people were buying my information on the dark web to physically follow me and my girlfriend XXXX XXXX XXXX and just put me in credit bureau and financial turmoil for A while now contact the military on this one for sure we frequent the XXXX XXXX XXXX in California and thank you for your service and please contact the state bar for this matter

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