vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I would like to report inaccuracies on my credit file concerning XXXX store credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX All of these accounts have been paid in full ; however, they are still being reported as open andXX/XX/XXXX days past due. This information is incorrect and is negatively impacting my credit profile. I respectfully request that the account statuses be updated to reflect that each account is closed and paid in full, and that any delinquency notations be removed. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am formally disputing the following accounts and inquiries due to potential compromise of my personal information connected to known data breaches. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( b ), and 611, Experian is required to ensure maximum accuracy and must delete any item that can not be fully verified with original, documented evidence. 
The items listed below appear to be inaccurate, unauthorized, or affected by identity compromise. I am demanding a full reinvestigation and immediate deletion unless Experian can provide complete verification from each furnisher, including signed contracts, application records, IP logs, and proof of permissible purpose. 
Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$430.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$730.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX * Opened : XX/XX/XXXX Balance : {$3800.00} Account Name : XXXX  XXXX Account Number : XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * Opened : XX/XX/XXXX Balance : {$1500.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$930.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} INQUIRY : XXXX XXXX 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.

Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no involvement with these accounts ; removal is required within XXXX  days as per USC 1681g.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because Experian is reporting information that I believe is inaccurate or unverified. Despite my disputes, these items remain on my report without proper validation. 

CHARGED-OFF ACCOUNTS XXXX  XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX I do not believe these accounts are being reported accurately, and Experian has not provided documentation validating their accuracy. 

INQUIRIES I do not recall authorizing the following inquiries and request proof of permissible purpose : XXXXXXXX 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 XXXXXX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX Acct : XXXX I dispute this late payment as inaccurate and request verification. 

I request that Experian validate all disputed accounts, inquiries, and late payments, or remove any item that can not be fully verified in accordance with the FCRA.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The entry contains inaccuracies regarding my financial activity. Please revise it upon review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a high-interest personal loan that has become unaffordable and may involve predatory lending practices. 

When I took out this loan, I was employed and could afford the payments. However, I lost a significant portion of my income earlier this year, and the lender has not provided any reasonable hardship options or interest-rate relief. The interest rate is extremely high, and my monthly payments now barely reduce the principal balance most of what I pay goes entirely toward interest. 

Despite my attempts to contact the lender and explain my financial hardship, they have not offered meaningful assistance such as a modified payment plan, interest reduction, or temporary forbearance. Instead, they continue to charge excessive interest, resulting in a cycle of debt that I can not escape. 

Companys conduct and why this feels unfair The lenders actions appear predatory and deceptive because : The interest rate is unreasonably high for a consumer loan, making it nearly impossible to pay down the balance. 

The lender failed to perform a reasonable ability-to-repay assessment, as required under TILA ( 12 CFR 1026.43 ), to ensure the loan was affordable based on my income and financial situation.

When I lost income and sought help, the lender did not provide hardship accommodations, contrary to the spirit of ECOA ( 12 CFR 1002.4 ), which prohibits discriminatory or unfair treatment of borrowers experiencing financial distress. 

The loan structure with high interest, minimal principal reduction, and no flexibility traps borrowers in a cycle of continuous debt, a hallmark of predatory lending. 

The companys disclosures about the true cost of the loan and the annual percentage rate ( APR ) were not adequately explained or were presented in a misleading manner.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
Notified on XXXX XXXX about a {$1200.00} debt for the original creditor XXXX Georgia XXXX XXXX XXXX. I requested a superbill from the debt collection agency to know what the charges were for and for the dates of service. I was hung up on multiple times on this date and was told that they could not provide that information, hat I had to call the XXXX Georgia XXXX XXXX XXXX. I then called the XXXX Georgia XXXX XXXX XXXX and they stated that my balance was {$0.00} and that nothing was sent to collections. I then received a text that the current creditor is Cascade Capital funding LLC but again I have never received any correspondence from this creditor either. Only knew about the debt when a text was received stating that I owed the debt from the XXXX XXXX company. I called back to the debt collection agency and then they did email me a statement that the debt is owed but not for what services or the date. I never received a bill from the original creditor and I have XXXX XXXX TRICARE insurance, all medical bills are paid with {$0.00} copays. In addition I am a XXXX  % XXXX VA vet so if XXXX doesn't pay then the XXXX  covers the rest. I was never provided any information until the {$1200.00} was sent to the debt collection agency. I never was given the opportunity to contact XXXX to have them fix the issue. I can not afford to pay the {$1200.00} especially since I had XXXX forms of medical insurance to pay my medical bills but again I was never told nor was I sent a bill requesting payment from the original creditor. I have contacted XXXX and they stated that they never were sent any bills or information about the XXXX XXXX and that it would have been paid in full by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im sending this because XXXX  XXXX XXXX, XXXX XXXX, and Experian, Equifax, and TransUnion are reporting multiple accounts on my credit reports that are completely inaccurate : XXXX  XXXX XXXX Account ending XXXX Charge-off, says I am an authorized user. I never agreed to be an authorized user, I do not know whose account this is, and the bank refuses to remove me. 

XXXX XXXX  Charge-off, not mine, belongs to someone with a similar name. 

Experian Account XXXX Closed, XXXX late payments, charge-off status. 

Equifax Account XXXX {$26000.00} balance, XXXX late payments, no charge-off status. 

TransUnion Account XXXX Charged off as bad debt, no payment history shown.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Account # XXXX Original Creditor : XXXX XXXX XXXX 
This letter is formal for VALIDATION OF THE ALLEGED DEBT under the FAIR DEBT COLLECTION PRACTICE Act ( FDCPA ) 809 ( b ). 
To properly validate this account, please provide : XXXX. Proof that I own the debt or been assigned to collect it XXXX. The original contract bearing my signature XXXX. The full itemized accounting showing how the amount was calculated XXXX.Proof of the original creditor, including name, account number and dates XXXXDate of last payment and charge- off details XXXX. Complete payment history XXXX. Verification that this debt is within the statute of limitations in my state XXXX Your company 's licensing information for the state XXXX. Any documentation you used to verify this debt with the credit bureaus Until you provide full validation, you must : * Cease all collection activity, and * Cease reporting this account to XXXX, XXXX, and XXXX, as required under FDCPA 809 ( b ). 
If you continue collection activity or credit reporting without validating, you will be in violation of : * FDCPA 809 ( b ) - Failure to validate * FDCPA 807 ( b ) - Misrepresentation * FDCPA 607 ( b ) - Reporting Unverified Information Please provide the requested validation within XXXX  days of receipt of the letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am disputing the following items on my Experian credit report due to concerns over their accuracy. I request that Experian conduct a thorough review and either correct or remove any unverifiable information. 

CHARGED-OFF ACCOUNTS XXXX  XXXX, XXXX * * * *, XX/XX/XXXX, {$420.00} XXXX  XXXX, XXXX * * * *, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX * * * *, XX/XX/XXXX, {$2700.00}

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$530.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Education Date opened XX/XX/XXXX Balance {$59000.00} SELF XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had a scammer withdraw money from my checking account under false pretenses XXXX days ago. It got reported and I filed a police report and notified the FTC and FBI. FTC suggested I run a credit report. I did and there are XXXX New York addresses I never lived at, a middle initial in my previously married name I never had, and a phone number starting with a XXXX area code that I have never had. I have never even been to Texas. XXXX not sure if fraud occurred and impacted my XXXX XXXX. XXXX reporting this in case someone is opening accounts using my name. I notified the XXXX crediting bureaus last night and today. However when I tried to notify XXXX, they could not help. I was on the phone with them for XXXX minutes. I have had my XXXX XXXX  phone number for XXXX, but because its not the one they have on file they could not authenticate me. At least XXXX of the fake addresses is associated with XXXX. I have never declared XXXX. Please 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 non-monetary relief