vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: CT

Complaint narrative:
I am extremely distressed to see that these inaccurate accounts are still appearing on my credit report, even though they should have been taken off by now. I am pleading with you to carefully review the documents I have provided so that I can finally put this matter to rest and stop living in constant worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
This is a formal dispute concerning accounts on my credit report that are fraudulent in nature. These accounts do not belong to me, were never authorized, and have no legitimate connection to my financial activities. Their appearance is both misleading and harmful, unfairly impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to TransUnion regarding inaccurate information on my credit report. I included my drivers license, Social Security card, and a Limited Power of Attorney ( POA ) authorizing my representative to act on my behalf. 

When no proper response was received, I resubmitted the dispute on XX/XX/year> with the same supporting documents. Instead of complying with their obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), TransUnion failed to reinvestigate or provide corrected reporting results. 

This is a violation of the FCRA because consumer reporting agencies must reinvestigate when notified by a consumer or authorized representative. By refusing to act, TransUnion ignored valid disputes, causing ongoing harm, including denials of credit and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
I am writing to urgently address the unauthorized inquiries on my credit report that are significantly impacting my credit score and overall financial health. Despite my previous communication with your agency and assurances from your representative that these inquiries would be removed, they remain unresolved. This is unacceptable and requires your immediate attention. 

The presence of these unauthorized entries not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also raises serious concerns about potential identity theft. The ongoing emotional and financial distress caused by this situation can not be overstated.

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 2025-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? Ive observed inaccurate items on my credit report. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
I recently obtained a copy of my credit report from XXXX XXXX  and I was alarmed to discover negative accounts that I did not open or authorize. These accounts are negatively impacting my credit score and overall financial wellbeing. I have never authorized any transactions or agreements related to these accounts, nor have I provided any personal information that would allow someone to open an account in my name. It is imperative that these accounts are investigated and removed from my credit report to rectify my financial standing.i have already taken steps to resolve this issue by contacting the credit reporting agency and the originating creditors. However, I believe that further assistance from your agency is necessary in addressing this matter effectively. 
XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-09-24 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: PA

Complaint narrative:
I recently obtained a copy of my credit report from XXXX XXXX  and I was alarmed to discover negative accounts that I did not open or authorize. These accounts are negatively impacting my credit score and overall financial wellbeing. I have never authorized any transactions or agreements related to these accounts, nor have I provided any personal information that would allow someone to open an account in my name. It is imperative that these accounts are investigated and removed from my credit report to rectify my financial standing.i have already taken steps to resolve this issue by contacting the credit reporting agency and the originating creditors. However, I believe that further assistance from your agency is necessary in addressing this matter effectively. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I have contacted the credit bureau and requested that these unathorized inquires be removed and they refuse to remove them.

I have contacted Transunion regarding the following 5 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax was contacted regarding the following 3 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pleasew provide me assistance in resolving this matter, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are errors in the personal information listed on my credit report, including addresses that do not belong to me. Enclosed are my supporting documents to verify my correct details, and I am requesting that these wrong addresses be deleted from my report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
There is false information reported on my credit report. There is a charge off in the amount of {$1700.00}. I am not the primary account holder and my name should not be on the account. I have received XXXX correspondence regarding this charge off, and why its there. This account was closed during the period of time last year ( around XX/XX/year> ) that Capital One was not putting direct deposit paychecks through. At the time there was XXXX balance in the account. I owe nothing to Capital One and haven't been associated with them since the account was closed. Capital One has committed a fraudulent act without due process and if they don't fix this asap I will be contacting a lawyer and will sue for all fees incurred as well as the phony charge off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed late payment entries on my credit report that I believe are incorrect. In line with 15 USC 1681e ( b ) and 15 USC 1681i, my report should include only information that is accurate, complete, and verifiable. I am requesting that these entries be verified, and if they can not be confirmed, they should be corrected or deleted.

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 2025-09-24 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or Identity theft.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: CA

Complaint narrative:
Consumer Complaint Williams Rush & Associates, LLC Company : Williams Rush & Associates, LLC Addresses Used : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( no XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Credit Bureaus Involved : XXXX XXXX XXXX Summary of Complaint : I am filing this complaint regarding the continued noncompliance of Williams Rush & Associates, LLC ( WRA ), a debt collector and furnisher of credit information. I have serious concerns regarding their violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent timely written disputes and validation requests to Williams Rush & Associates at both of the above addresses ( the ones provided by the credit bureaus ). WRA failed to provide any legally sufficient validation of the alleged debt. Despite this, they continue to report the alleged tradeline to XXXX XXXX XXXX. 

This is a direct violation of : FDCPA, 15 U.S.C. 1692g ( b ) : Collection activity must cease until proper validation is provided.

FCRA, 15 U.S.C. 1681s-2 : Furnishers may not report information that is inaccurate, incomplete, or unverifiable.

Pattern of Behavior : WRA has 54 XXXX XXXX XXXX complaints for noncompliance and maintains a 1-star XXXX  rating, showing a pattern of consumer harm and disregard for federal law. 
The addresses used by WRA in credit reporting and correspondence are inconsistent ( XXXX  lists XXXX XXXX XXXX XXXX, XXXX  lists XXXX XXXX XXXX XXXX with no XXXX XXXX and corporate registration shows XXXX XXXX XXXX, XXXX XXXX ). This creates confusion, obstructs consumers from exercising their rights, and raises questions about their legitimacy. 

Consumer Harm : WRAs failure to validate yet continued reporting has caused ongoing damage to my credit profile, reduced access to credit, and XXXX XXXX. I have provided certified mail receipts showing delivery of my dispute letters and copies of the reporting tradeline that remains. 



Attachments Provided : Copies of dispute/validation letters sent to WRA. 
USPS certified mail receipts and delivery confirmation. 
Current credit report showing WRA still reporting. 
Screenshot/documentation of XXXX  complaints and 1-star rating.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
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 have noticed collection accounts on my credit report that I believe contain inaccurate information. Under my rights outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate and verifiable credit report. I am requesting a review of these entries, and if they can not be verified as accurate, I ask that they be removed from my report.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
The collection had popped on my credit and destroyed my credit. It is making my life hard and I don't know where it came from. This has hindered me. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My account was debited XXXX and a charge of XXXX. It says there is XXXX but i called the collection agency and they said they dont have anything on file in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, XXXX XXXX charged my Capital One XXXX XXXX credit card {$900.00} for a rental vehicle that was supposed to be covered entirely by the at-fault drivers insurance ( State Farm ). 
I only provided my Capital One card as a security deposit, not for billing. From XX/XX/XXXX through XX/XX/XXXX, I called XXXX at least eight times to confirm the status of the vehicle. Each time, XXXX employees clearly stated that : XXXX. XXXX XXXX was still covering the rental. 
2. I would not be charged personally.

3. I would be contacted if the rental needed to be returned. 
Despite these repeated assurances, my card was charged without notice or authorization on XX/XX/XXXX. On XX/XX/XXXX, an XXXX representative admitted during a recorded call that : I had repeatedly called and was told to keep the car. 
XXXX system auto-billed my card after insurance coverage ended. 
I should dispute the charge with my credit card company because XXXX could not reverse it. 
I filed a dispute with Capital One, providing transcripts of all calls, a written letter of explanation, and supporting documentation. Initially, Capital One issued a temporary credit, but they later rebilled the charge and closed the case in favor of XXXX, despite the evidence. 
This charge is improper for two reasons : It was not authorized my card was given for deposit only, not for payment. 
It resulted from misrepresentation XXXX assured me I would not be charged and that XXXX XXXX was responsible. 
I am requesting that Capital One permanently reverse this charge. I am attaching : Transcripts of calls with XXXX ( XXXX 2025 ). 
Transcript of the XX/XX/XXXX call where XXXX acknowledges the issue and instructs me to dispute with my bank. 
My letter of explanation. 
XXXX own email confirming coverage under XXXX XXXX. 
A timeline of events. 
Desired Resolution I want Capital One to reverse the {$900.00} charge and restore the temporary credit that was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Unable to Access My TransUnion Account for the Past Two Days I am writing to formally report a persistent issue with accessing my TransUnion account. For the past two days, I have been unable to log in through TransUnion 's website despite multiple attempts using different browsers, devices, and clearing cache and cookies. I have also tried the Login Help and Login a different way options without success.

I contacted your customer and technical support teams by phone, but unfortunately, they were unable to resolve the issue or provide a timeline for resolution. This has caused significant inconvenience, especially as I need timely access to my credit information.

Company response to consumer: Closed with non-monetary relief