vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
To Whom It May Concern : I am filing this complaint because Equifax, Experian, and TransUnion are reporting incorrect balance information for my XXXX XXXX XXXX XXXX authorized user credit card account. The billing statement closed on XX/XX/year>, yet the credit bureaus continue to display an outdated, higher balance. Account number starts with XXXX This constitutes inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), which requires furnishers and credit reporting agencies to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to promptly correct or update information once notified of an error ( 1681i ). 

Key Details : Creditor : XXXX XXXX XXXX XXXX Account type : Authorized user Statement closed : XX/XX/year> Issue : Bureaus are still reporting an outdated balance Impact : Inflated utilization and negative impact on my creditworthiness I have already contacted both XXXX XXXX and the credit bureaus. XXXX XXXX confirmed the statement closed and the data should be reporting correctly. 

Requested Resolution : I request that CFPB assist in ensuring the credit bureaus : 1. Immediately update the balance to reflect the XX/XX/XXXX statement. 
2. Correct their files to comply with FCRA accuracy requirements.

3. Provide written confirmation of the correction. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
I was supposedly sued for a debt that XXXX XXXX, XXXX. is trying to collect. The plaintiff is listed at the company 's address, but I already called XXXX XXXX and they told me this account isn't in their system. The strangest thing is that I've received numerous calls and letters supposedly from XXXX XXXX to collect a debt in my name. In the letter, besides XXXX XXXX, a collection agency called Lyons, Doughty and Veldhuis, P.C. is mentioned. They are the ones trying to collect the debt on behalf of XXXX XXXX. Although I informed them that I don't recognize this debt, as I was the victim of theft, and I sent them complaints clarifying that I don't recognize this account, they insist on collecting money from an account that isn't mine, and now they've sued me on behalf of XXXX XXXX, which isn't true because they are the ones representing the plaintiff. 

In fact, I informed them that I only have XXXX account with this bank, which I opened directly at the branch in XXXX, and whose credit limit is {$500.00}. I have never opened or conducted any other transactions with this creditor. Furthermore, I already sent them a report for identity theft as proof, and I have my actual credit report showing that the credit bureau closed this account after their investigation. However, it frustrates me that they don't care ; they just want the money without considering the evidence I sent them or investigating the case. The only thing I received from them were bank statements supposedly as proof that I opened and used the account, and that's it. 

The following is the creditor contact information : Lyons, Doughty and Veldhuis, P.C. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX - XX/XX/XXXX - The inquiry was not authorized. 
XXXX - XX/XX/XXXX - The inquiry was not authorized. 
XXXX - XX/XX/XXXX - The inquiry was not authorized. 
XXXX - XX/XX/XXXX - The inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The inquiry was not authorized. 
XXXX - XX/XX/XXXX - The inquiry was not authorized.

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 2025-11-19 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: NC

Complaint narrative:
Inaccurate Late Payments on Student Loans in Forbearance + Accounts Over XXXX  Years Still Reporting I am filing this complaint because XXXX is inaccurately reporting late payments on multiple student loan accounts even though my loans are in forbearance until XXXX, and no payments are due. 
Late payment reporting during forbearance is not allowed and violates : FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty to furnish accurate information FCRA 611 Unverified information must be deleted 15 U.S.C. 1666b No late fees/late status when no payment is due XXXX XXXX XXXX forbearance protections XXXX can not provide dates or proof of these alleged delinquencies, making the information unverified and inaccurate. 

XXXX ACCOUNTS REPORTING FALSE LATE PAYMENTS ( All updated XX/XX/XXXX ) {$2800.00} {$7000.00} {$3100.00} {$1400.00} {$6800.00} {$2100.00} {$3800.00} {$4400.00} {$3800.00} {$4900.00} {$1100.00} {$2500.00} {$4700.00} These accounts must be corrected to Current Paid on Time Never Late. 

OLD ACCOUNTS OVER XXXX  YEARS STILL REPORTING There are additional accounts on my credit report that are older than XXXX  years, which must be deleted under FCRA 605 ( a ).

These accounts should not appear on my report and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : None listed. 

Inquiries : XXXX, Date of Inquiry : XX/XX/year> XXXX, Date of Inquiry : XX/XX/year>

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
This is the second complaint I've made concerning Sunset Finance of South Carolina. They are a high interest loan company and according to XXXX searches they are notorious for having ruthless and sometimes illegal collection tactics. I'm XXXX XXXX XXXX my income has been mostly limited to XXXX for the last 20 years. Due to my age and XXXX, the cost of my healthcare is rising. This is making it impossible for me to continue making payments on these XXXX loans from Sunset Finance. I asked Sunset Finance for a list of the collateral for each loan. Initially they told me I already have it in the loan documents and refused to send it to me. Then their excuse was they had no " stamps. '' I finally got XXXX lists of collateral they call Exhibit A 's. But these are not really the official versions. The official versions are part of the loan documents. I looked at both of my loan documents and could not find that official list. And XXXX of the Exhibit A 's does not contain a loan number. I am willing to forfeit my collateral and default on these loans because I can no longer afford the payments.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I recently discovered that an account associated with the name EXETER FINANCE LLCXXXX is being reported under my credit file. However, I have not received any prior notice, billing statements, contracts, or documentation proving that this alleged debt belongs to me or that your company has the legal right to collect or report it. Because there has been no communication or proof of the origin, balance, terms, or validity of this account, I am unable to verify whether this debt is accurate, legitimate, or lawfully collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am disputing the following accounts on my Experian credit report. These accounts contain discrepancies, and I respectfully request they be reviewed and updated per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Inquiries XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OK

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
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 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 2025-11-19 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: LA

Complaint narrative:
I submitted a dispute letter on XX/XX/year> and the Credit Bureaus verified all the accounts when there were detailed inconsistencies reporting and metro 2 violations that were just inaccurate which according to the FCRA guidelines all information must be accurate to the upmost possibility.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Dear CFPB Complaint Team, I am writing to file a formal complaint against PORTFOLIO RECOV ASSOC, located at XXXX XXXX XXXX, XXXX VA XXXX, regarding an alleged debt they have placed on my consumer report as a collection. The account number they reference is XXXX, with a balance of {$760.00}. 

I dispute the validity and accuracy of this alleged debt in its entirety. The collection agency 's actions constitute multiple violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). 

Violations of Federal Consumer Protection Laws : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : They reported a collection without first providing the required validation notice.

2. Failure to Provide a Chance to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : They reported the collection before the 30-day dispute period expired. 

XXXX. Use of Unfair and Deceptive Means ( FDCPA ) : They are using false, misleading, and deceptive means by reporting an unverified and disputed collection. 

4. Unlawful Furnishing of Information ( 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) : They furnished information to a Consumer Reporting Agency without providing all required initial disclosures. 

Debt Dispute and Revocation of Communication : I hereby formally dispute this debt and demand that PORTFOLIO RECOV ASSOC cease all collection activities. I formally revoke any and all rights for PORTFOLIO RECOV ASSOC to communicate with me via electronic means, including, but not limited to, email and text messages. All future communication must be sent to me via the U.S. Postal Service only.

Requested Relief : I demand that PORTFOLIO RECOV ASSOC immediately remove the disputed collection account # XXXX from all three major consumer reporting agencies ( XXXX, XXXX, and XXXX  ) due to the statutory violations cited above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am writing to dispute the information reported regarding the XXXX XXXX account listed on my TransUnion credit report. I have reviewed the report and found several inaccuracies, which I believe constitute violations of the Fair Credit Reporting Act ( FCRA ). I am also concerned about a possible data breach regarding this account and request further investigation. 
Account in Dispute : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Closed Balance : {$190.00} Date Opened : XXXX Date Last Active : XXXX Past Due : {$190.00} I am writing to dispute the information reported regarding the XXXX XXXX account listed on my TransUnion credit report. I have reviewed the report and found several inaccuracies, which I believe constitute violations of the Fair Credit Reporting Act ( FCRA ). I am also concerned about a possible data breach regarding this account and request further investigation. 
Account in Dispute : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Closed Balance : {$190.00} Date Opened : XXXX Date Last Active : XXXX Past Due : {$190.00} Discrepancies : XXXX. Account Status : The account is listed as " Collection, '' but I dispute this status. 
XXXX. Dispute Status : The account is marked as " In Dispute, '' but it remains unresolved. I request that the dispute be fully investigated and updated accordingly. 
XXXX. Balance : The balance is shown as {$190.00}, but I request further clarification on the " unpaid balance reported as a loss. '' XXXX. Date of Last Payment : The " Last Payment '' is recorded as XXXX, but I have no record of such a payment. 
FCRA Violations : FCRA 1681e ( b ) : The failure to ensure maximum possible accuracy of the reported information.

FCRA 1681i ( a ) : Failure to conduct a timely investigation within the 30-day period.

FCRA 1681c : If the information can not be verified, it must be removed from my credit 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 non-monetary relief
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and 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