vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX & XXXX is showing two late payments from capital one and reporting inaccurate info for late payments for these accounts. For both accounts they have. Capital One doesn't even have a correct billing cycle for me. 

Account number they have a 30 and 60 day payment XXXX info Account number they 30 day, 60 day payment and 90 day payment XXXX Please remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NV

Complaint narrative:
As per outlined in attached dispute letter, the following companies are in violation of METRO 2 COMPLIANCE and FCRA law and in violation of related privacy laws as XXXX XXXX and DOGE were allowed access to my private student loan information with appropriate authorization. As a result, I respectfully request that my student loan information for DEPT OF EDUCATION XXXXXXXX XXXX XXXX be immediately removed FROM my credit reports with, but not limited to, TRANSUNION, EQUIFAX, AND EXPERIAN to avoid continued breach of privacy and violations of law.

There are 4 accounts currently 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 2025-03-16 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: NY

Complaint narrative:
i am a victim of data breach and identity theft please block and delete these accounts from my credit file unauthorized charges and unauthorized accounts frca pursant 15 605b15 1681-c2

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 2025-03-16 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Hard Inquires XXXX. XXXX  ( XX/XX/year> ) XXXX. XXXX ( XX/XX/year> ) XXXX. XXXX XXXX XXXX ( XX/XX/year> ) XXXX. XXXX  ( XX/XX/year> ) XXXX. XXXX ( XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Hello XXXX is still reporting the the Portfolio Recovery PORTFOLIO RECOV ASSOC Account XXXX is still reporting this negative account on my credit report even after they verified it accurate but failed to even provide the correct documentation to show the account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: KS

Complaint narrative:
I have filed a total of! XXXX! Disputes with Transunion regarding an account from a XXXX  style debt collector named " XXXX XXXX XXXX  ''. Despite my XXXX disputes, and several letters send via XXXX certified mail, Transunion has failed to properly investigate this issue, has not provided any supporting documentation that this information is accurate, and has blatantly lied about the results. Transunion is violating Metra 2 and FCRA laws, and continues to do so

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This letter is to formally request the removal of all negative information from my credit report due to my active military service. I was a XXXX XXXX in the XXXX XXXX XXXX XXXX United States XXXX XXXX and was on XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I am writing to assert my rights under the ServiceMembers Civil Relief Act ( SCRA ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the SCRA allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX service. I request the removal of the following types of negative information from my credit report : Delinquent : Please remove these delinquent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : Any accounts placed in collections during my period of XXXX XXXX. 
XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : Please remove the following inquiries acquired while i was on XXXX XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that I am responsible for fulfilling my financial obligations. However, my XXXX XXXX service has significantly impacted my ability to manage my finances, and I believe it is unfair to have my credit report negatively impacted due to circumstances beyond my control. I have attached copies of XXXX orders to this letter as proof of my XXXX XXXX service. I request that you investigate my request promptly and remove the specified negative information from my credit report within 30 days. I look forward to your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX 

Subject : CREDIT ACCOUNT ONLY BEING REPORTED BY TRANSUNION  Dear Sir/Madam, I am writing to formally dispute the validity of the debt associated with account number, allegedly transferred from the Department of Education to XXXX XXXX XXXX XXXX This debt is fraudulent, and I have no record of ever opening such an account. Additionally, I never provided consent for the Department of Education or XXXX to share or use my personal information in any capacity. 

This account is currently inaccurately reporting on my TransUnion credit report. Experian and Equifax have already removed the fraudulent account following thorough investigations. TransUnions continued reporting of this account is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, as they are failing to comply with their obligations to report only accurate information. 

I have already reported this fraudulent account to the Federal Trade Commission ( FTC ), the XXXX Police Department, and the Attorney Generals Office. Additionally, I have recently filed a complaint with the FBI regarding TransUnion and Nelnets continuing non-compliance. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand : 1. Complete validation of the alleged debt, including all documentation proving the debts validity and showing any authorization on my part to open this account.

2. Proof of my explicit consent, including my signature, authorizing any sharing of my personal information with XXXX. 
3. Immediate cessation of all collection activities, including reporting to any credit reporting agencies until validation is provided.

Additionally, under the Metro 2 credit reporting standards, you are responsible for ensuring that all reported information is accurate. Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), established that parroting information from an original source without conducting a thorough investigation violates both FCRA and FDCPA standards.

If you fail to provide the requested validation within 30 days of receipt of this letter, I demand the following actions : 1. Cease all collection activities permanently.

2. Remove this account from my credit reports and all consumer reporting databases.

3. Notify all credit reporting agencies that this account is fraudulent and disputed. 

Failure to comply will result in further legal action, including escalation to additional regulatory and law enforcement authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-03-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX 

Subject : CREDIT ACCOUNT ONLY BEING REPORTED BY TRANSUNION  Dear Sir/Madam, I am writing to formally dispute the validity of the debt associated with account number, allegedly transferred from the Department of Education to XXXX XXXX XXXX XXXX This debt is fraudulent, and I have no record of ever opening such an account. Additionally, I never provided consent for the Department of Education or XXXX to share or use my personal information in any capacity. 

This account is currently inaccurately reporting on my TransUnion credit report. Experian and Equifax have already removed the fraudulent account following thorough investigations. TransUnions continued reporting of this account is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, as they are failing to comply with their obligations to report only accurate information. 

I have already reported this fraudulent account to the Federal Trade Commission ( FTC ), the XXXX Police Department, and the Attorney Generals Office. Additionally, I have recently filed a complaint with the FBI regarding TransUnion and Nelnets continuing non-compliance. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand : 1. Complete validation of the alleged debt, including all documentation proving the debts validity and showing any authorization on my part to open this account.

2. Proof of my explicit consent, including my signature, authorizing any sharing of my personal information with XXXX. 
3. Immediate cessation of all collection activities, including reporting to any credit reporting agencies until validation is provided.

Additionally, under the Metro 2 credit reporting standards, you are responsible for ensuring that all reported information is accurate. Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), established that parroting information from an original source without conducting a thorough investigation violates both FCRA and FDCPA standards.

If you fail to provide the requested validation within 30 days of receipt of this letter, I demand the following actions : 1. Cease all collection activities permanently.

2. Remove this account from my credit reports and all consumer reporting databases.

3. Notify all credit reporting agencies that this account is fraudulent and disputed. 

Failure to comply will result in further legal action, including escalation to additional regulatory and law enforcement authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX XXXX {$53000.00} XX/XX/XXXX XXXX  XXXX XXXX {$10000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have sent letters to Experian with the account number and date of late that have been reported along with communication to stores to verify late which never happened to update my records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX HAS AGREE. 

XXXX. XXXX  XXXX XXXX XXXX XXXX. XXXX, PAID IN FULL XXXX. XXXX XXXX PAID IN XXXX XXXX. XXXX XXXX XXXXNEW ACCT. XXXX XXXX, THIS ACCT WAS TRASFTER TO XXXX NEVER LATE.

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 2025-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a XXXX  on XX/XX/XXXX from a debt collector, and I can't figure out if it's spam or if I am a victim of identity theft. 

The letter is from Midland Credit Management and it references non-payment for $ XXXX debt to XXXX XXXX  XXXX XXXX XXXX It says a payment was made to the account in XXXX of XXXX and default started in XXXX of XXXX. 

I did take what I thought/think was a spam call several months ago about the same debt. I argued with them on the phone that I have never had a XXXX account. We couldn't get past the fact that I wouldn't give them my personal information over the phone and they got more aggressive as the call went on so I ended it and forgot about it. 

This week when I got the letter, I checked out Midland credit online and it looked legitimate. I got on a chat with them and it went about the same as the phone call - I continued to ask what I could do to contest the debt because it was not mine and they continued to ask for personal information to confirm my identity. It seemed to be a real person and not a bot. They did not seem concerned with my concern, and the chats got more aggressive as I continued to refuse to give my personal information. We finally got hung up on the fact that my name on the letter and in their system is " XXXX XXXX ''. I told them that is not my legal name and so they decided they could not tell me more because it was not my account. They said that they had sent me several items by mail, but I only received the XXXX  XXXX listed. The XXXX  XXXX did not require a signature to confirm delivery, which I understand is a requirement of actual credit non-payment letters. 

I checked my credit scores and they are all still " great ''. The debt is not listed anywhere but there is a XXXX XXXX on one of the three reports that in XXXX of XXXX XXXX did a credit check. Collections and Public Records all show Clean Slate. Two out of three reports show a clean slate on XXXX Inquiries. 

I have searched my email and bank account for XXXX payments or emails ( especially around XX/XX/XXXX ) and found nothing, and I know I have never set up a XXXX account. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
in accordance with Fair Credit Reporting act. The list of accounts below has violated my federally. protected consumer and confidentiality under 15 USC 1681XXXX XXXX XXXX Account # XXXX, XXXX  ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: IL

Complaint narrative:
XXXX XXXX Experian is showing XXXX late payments from XXXX  XXXX and reporting inaccurate info for late payments for these accounts. For both accounts they have. XXXX XXXX doesn't even have a correct billing cycle for me. 

Account number they have a XXXX and XXXX  day payment XXXX info Account number they XXXX  day, XXXX  day payment and XXXX  day payment XXXX Please remove it immediately.

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 2025-03-16 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: IL

Complaint narrative:
Transunion XXXX XXXX is showing XXXX late payments from XXXX  XXXX and reporting inaccurate info for late payments for these accounts. For both accounts they have. XXXX XXXX doesn't even have a correct billing cycle for me. 

Account number they have a XXXX and XXXX  day payment XXXX info Account number they XXXX  day, XXXX  day payment and XXXX  day payment XXXX Please remove it immediately.

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