vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint because I am a victim of a data breach, and as a result, several charged-off accounts are being reported inaccurately, incompletely, and in direct violation of the Fair Credit Reporting Act ( FCRA ) and the CFPBs reporting standards. The accounts being reported as charged off contain unverifiable, inconsistent, and misleading information, and the furnishers have failed to conduct a lawful investigation as required by FCRA 602, 607 ( b ), and 611. 

Because my personal data was compromised, I requested verification and validation for all charged-off accounts appearing on my reports. To date, none of the furnishers have provided any documentation proving the accounts belong to me, nor have they supplied any contracts, application records, payment histories, or itemized statements. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), I have a right to receive the underlying information used to verify the accuracy of any furnished data. Instead, these furnishers continue to report unverified, outdated, and contradictory information, violating FCRA 607 ( b ) ( duty to report accurate information ) and 623 ( a ) ( 1 ) ( A ) ( furnishers duty to not report information they know or should know is inaccurate ). 

Furthermore, the reporting fails Metro 2 compliance requirements, including : 1. Date of Last Activity ( DLA ) inconsistencies 2. Incorrect charge-off dates 3. Inconsistent high balances and past-due amounts across bureaus 4. Missing or conflicting account statuses 5. Lack of permissible purpose due to compromised identity These discrepancies demonstrate that the furnishers can not verify ownership, accuracy, or legitimacy of these charged-off accounts. As a data-breach victim, any unverifiable information must be removed immediately because it poses ongoing harm, financial injury, and increased risk of identity misuse. 

XXXXXXXX XXXX Account Number : XXXX * * * * XXXX Account Number : XXXX * * * * XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts reported inaccurately on my Equifax credit report. These accounts have been reported as charged off, and I believe there may be discrepancies or inaccuracies that require investigation. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} ACHIEVE PERSONAL LOANS Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late Payments : XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute several inaccuracies found in my Experian credit report. These accounts appear to violate the Fair Credit Reporting Act ( FCRA ) due to incorrect information, and I have concerns about a possible data breach. The information reported does not match my personal records or those from the original creditors. 
Disputed Accounts : 1. XXXX XXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$1500.00} o Account Status : Collection/Chargeoff o FCRA Violations : Misreported as " open '' instead of " closed. '' o Potential Data Breach : Discrepancies in the data suggest unauthorized access to my information. 
2. XXXX XX/XX/XXXX o Account Number : XXXX o Reported Balance : {$250.00} o Account Status : Collection/Chargeoff o FCRA Violations : Account reported as " open '' when it should be " closed. '' o Potential Data Breach : Data mismatches indicate possible unauthorized reporting or data breach. 
3. XXXX XXXX Account Number : XXXX o Reported Balance : {$1300.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrect reporting of balance and status as charge-off. 
o Potential Data Breach : Discrepancy with the original creditor 's report raises concerns of unauthorized reporting. 
4. XXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$0.00} o Account Status : Collection/Chargeoff o FCRA Violations : Misreported as paid profit and loss. This is an incorrect status. 
o Potential Data Breach : Possible data discrepancies suggest unauthorized reporting. 
5. XX/XX/XXXX o Account Number : XXXX o Status : Positive o FCRA Violations : Missing full details for this positive account listing.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting a full reinvestigation of the items listed below on my TransUnion credit report. These accounts appear to be inaccurately reported and may not reflect my true credit history. Please remove any information that can not be verified according to FCRA guidelines. 

CHARGED-OFF ACCOUNTS ( TU ) XX/XX/XXXX XXXX XX/XX/year> XXXX LATE PAYMENTS ( TU ) XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to dispute several inaccuracies listed on my Equifax credit report. These accounts appear to violate the Fair Credit Reporting Act ( FCRA ) due to incorrect or incomplete information, and there may also be a data breach as the information does not match my personal records or those of the original creditors. Please review and investigate the following discrepancies. 
Disputed Accounts : 1. XXXX XXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$1500.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrectly reported as " open '' instead of " closed. '' o Potential Data Breach : Discrepancies in data reported raise concerns about unauthorized access to my personal information. 
2. XXXX XX/XX/XXXX o Account Number : XXXX o Reported Balance : {$250.00} o Account Status : Collection/Chargeoff o FCRA Violations : Reported as " open '' when it should be closed. 
o Potential Data Breach : Mismatched data suggests possible unauthorized reporting. 
3. XXXX XXXX Account Number : XXXX o Reported Balance : {$1300.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrect reporting of balance and status as " charge-off. '' o Potential Data Breach : Data discrepancies with the original creditors records suggest unauthorized activity. 
4. XXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$0.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrectly reported as paid profit and loss. This status is inaccurate for the account. 
o Potential Data Breach : Possible discrepancies in reporting raise concerns about unauthorized changes. 
5. XX/XX/XXXX o Account Number : XXXX o Status : Positive o FCRA Violations : Missing account details in the positive category.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
b'I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that cannot be verified in accordance with FCRA standards.\n\nCHARGED-OFF ACCOUNTS (EQ)XX/XX/XXXXXX/XX/XXXX  0\n\nXX/XX/XXXX  XX/XX/XXXX  0\n\nXX/XX/XXXX  XX/XX/XXXX XX/XX/XXXXLATE PAYMENTS (EQ)XX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the following inaccurate information appearing on my credit report, as provided by your bureau. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a reinvestigation of these items and expect that corrections be made if they can not be verified. 
Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AL XXXX Date of Birth : XX/XX/year> SSN : XXXX Accounts in Dispute : 1. XXXX XXXX XXXX o Account Number : XXXX * * * * * * * * * * * * * * * o Original Creditor : XXXX XXXX XXXX Account Status : Collection ( Installment ) o Discrepancy : Incorrect reporting of late payments ; account was marked as charged off. 
o FCRA Violation : Failure to report accurately under FCRA 1681e ( b ) and 1681s-2 ( b ). 
2. XXXX XXXX XXXX o Account Number : XXXX * * * * * * * * * * * * * * * * o Original Creditor : XXXX XXXX XXXX o Account Status : Closed o Discrepancy : Unpaid balance reported as a loss ; information about bankruptcy missing. 
o FCRA Violation : Failure to reflect the bankruptcy status properly under FCRA 1681c ( a ) ( 1 ).

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a consumer working to fix my credit, and I am disputing the following accounts listed on my credit report. Please review the discrepancies and correct the information accordingly. 

Charged Off Accounts : XX/XX/XXXX, XXXX, XX/XX/XXXX, {$970.00} XX/XX/XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX, XXXX XX/XX/XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing multiple inaccurate entries on my Experian credit report. The following accounts are listed as charged off and should be reviewed for accuracy and compliance with the FCRA. Additionally, certain inquiries appear to be reported incorrectly. 

Charged Off Accounts : XX/XX/XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$650.00} XX/XX/XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX Account Number XXXX XXXX Date Open : XX/XX/XXXX Balance : {$790.00} XXXX XXXX Account Number XXXX XXXX Date Open : XX/XX/XXXX Balance : {$900.00} Inquiries : XX/XX/XXXX Date Open : XX/XX/XXXX XX/XX/XXXX Date Open : XX/XX/XXXX Late Payment : XXXX XX/XX/XXXX Account Number 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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Told them my ex husband open the account i dispute it but nothing more I have to go to court now. I been off of work for 2 years cause of surgeries I do have proof of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
I submitted a dispute directly to the XXXX credit bureaus regarding inaccurate information on my credit report. I mailed my dispute along with proper identification and supporting documents. TransUnion sent me a letter stating my dispute could not be processed, claiming it may have come from a third-party company. This is incorrect I personally submitted the dispute myself. 
I am requesting that properly investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). I followed all instructions and provided everything needed. Their refusal to process my dispute is preventing me from correcting inaccurate information on my credit file. 
I am asking for assistance from the CFPB to ensure TransUnion completes the investigation of my dispute, updates my credit report accordingly, and complies with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am disputing the following information on my Equifax credit report as inaccurate or incomplete. Please investigate these items as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : [ None Provided ] Inquiries : XXXX, XX/XX/year> XXXX, XX/XX/year> Positive Accounts : [ None Provided ] Late Payments : XX/XX/XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the following accounts with Experian due to inaccuracies and incomplete reporting. Please review these items and ensure they are corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX - XXXX * * * *, Date Opened : XX/XX/XXXX, Balance : {$300.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Late Payment Accounts : XX/XX/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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
In a response to my previous complaint, XX/XX/XXXX makes no mention of ignoring all my contact requests thru XXXX prior to XXXX, then reaching the conclusion that my account is risky and closing it the day after I submit a CFPB report. I believe this was retaliatory. They admittedly treat all customers like this though, and do not let you transfer XX/XX/XXXX off their exchange, which makes me wonder if they actually own it or providing it to their off exchange customers. Their app functionality is spotty at best. They also remove their credit card rewards based on your exchange standing, which means they are also failing to deliver that too. I believe they are operating fraudulently in this way, by taking money and providing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is intended as my formal objection to the accounts referenced. I did not approve or open them and have no connection. Please review and remove them. Supporting documents are included.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
I submitted a dispute directly to the XXXX credit bureaus regarding inaccurate information on my credit report. I mailed my dispute along with proper identification and supporting documents. TransUnion sent me a letter stating my dispute could not be processed, claiming it may have come from a third-party company. This is incorrect I personally submitted the dispute myself. 
I am requesting that properly investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). I followed all instructions and provided everything needed. Their refusal to process my dispute is preventing me from correcting inaccurate information on my credit file. 
I am asking for assistance from the CFPB to ensure TransUnion completes the investigation of my dispute, updates my credit report accordingly, and complies with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: KY

Complaint narrative:
I bought a used XXXX XXXX XXXX  and it was financed through consumer portfolio services in XXXX of XXXX it caught on fire and burnt up well insurance only paid value of car in XXXX or XXXX I called them and they set up a hardship plan and reduced amount to XXXX some odd dollars at XXXX a month payment it is now on my credit report as a loss profit write off but the payment is not reflecting to amount owed not being deducted I spoke with them and requested a copy of the hardship and never received and what is left owed on the XXXX some odd dollars and nothing they say just because its a hardship they dont have to change anything

Company response to consumer: Closed with explanation