vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. This item is negatively affecting my credit standing and I have reason to believe that the information being reported is inaccurate and/or incomplete. 
Below are the details of the account in question : XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Reported Balance : {$1500.00} According to the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you conduct a thorough investigation into this matter and verify the accuracy of all details associated with this account.

If your investigation can not fully verify the accuracy of this charge-off, I request that the account and all associated negative information be deleted immediately from my credit file.

Please provide me with the results of your investigation, including : 1. The name and address of the creditor who verified the account ; 2. Documentation used to confirm the accuracy of the reported information ; and 3. Written confirmation once any necessary corrections have been made.

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of your findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
Dates : Ongoing for the past 10 years Companies Involved : U.S. Department of Education XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX Total Amount Undocumented : Approximately {$7000.00} Payment Breakdown ( Not Properly Documented ) : Department of Education XXXX XXXX / ECMC : {$3000.00} Department of Education XXXX XXXX / AFS : {$2100.00} Department of Education XXXX XXXX / AFS ( additional account ) : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$600.00} Summary of Issues : Over the past XXXX years, I have made multiple payments toward my student loan accounts that have not been accurately documented or credited. Despite repeated requests, the lenders and servicers listed above have failed to update my account records to reflect these payments accurately. 
Additionally, I have made multiple requests for accommodations due to financial hardship, including : -A reduction of the interest rate -Partial or full cancellation of the debt -A reasonable lump-sum settlement option -Accurate and timely updates to account records -A deferment ( rather than forbearance ) or an alternative repayment plan All such requests have been refused or disregarded. I am requesting that my account be corrected to reflect all verified payments and that the Department of Education and its contracted servicers provide fair and reasonable hardship accommodations consistent with borrower protection standards.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-10 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: MI

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results withinXX/XX/XXXX days of receiving the dispute. 

It has been over XX/XX/XXXXdays since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates failed to provide validation for XXXX collection accounts currently reporting on my credit file. 

I mailed certified Debt Validation and Cease & Desist letters in late XX/XX/2025 to Portfolio Recovery Associates at their XXXX, VA address. XXXX tracking confirms both letters were delivered XXXX on XX/XX/2025, and the other on XX/XX/2025 ( proof of delivery attached ). 

As of today, XX/XX/ 2025, I have not received any documentation or response from Portfolio Recovery. Under the Fair Debt Collection Practices Act ( FDCPA XXXX ( b ) ), a debt collector must provide validation of a debt within XX/XX/XXXX days of receipt before continuing to report or collect. Portfolio Recovery has ignored my written request and continues to report both accounts with open balances of {$620.00} and {$680.00}, which makes the information on my credit report inaccurate and unverified. 

I am requesting that both unvalidated collection accounts be deleted from all credit bureaus ( XX/XX/XXXX and XX/XX/XXXX) for failure to comply with FDCPA and FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am submitting this dispute statement regarding the following charged-off accounts, inquiries, and late payments that appear on my credit report. I request a thorough investigation of these accounts to ensure they are accurate and compliant with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX Acct : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} Inquiries : XXXX XXXXXX/XX/XXXX Date Opened : XX/XX/XXXXXX/XX/XXXXXXXX BANK XX/XX/XXXX Date Opened : XX/XX/XXXX Late Payment : XXXX XXXX Acct : XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am disputing the following accounts on my Experian credit report : Charged Off Accounts : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX Account Number : XXXX XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXXXX/XX/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 explanation
Consumer complaint received 2025-11-10 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXXB of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-10 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading 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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC is reporting a {$2400.00} collection account to XX/XX/XXXXthat is completely unverifiable. I have never received any documentation proving that this company owns, purchased, or has the legal right to collect this alleged debt. 
Ive disputed this multiple times, and XX/XX/XXXX continues to respond verified without producing a single piece of written validation. Under Metro 2 XXXX & XXXX, furnishers are required to provide complete and accurate data and correct inconsistencies immediately. Continuing to report this account with no verification violates the FCRA XXXX ( b ) ( accuracy ) and XXXX ( a ) ( reinvestigation obligations ). 
Additionally, LVNV Funding has failed to provide validation under FDCPA XXXX ( b ). They have not produced the original creditor agreement, assignment of debt, or payment history that supports the {$2400.00} balance they are claiming. Without those documents, this is nothing more than unverified hearsay reporting being allowed by XX/XX/XXXX 
Both LVNV Funding andXX/XX/XXXX are in violation of FCRA XXXX, and this will be treated as willful noncompliance if the reporting is not corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
This debt was allegedly sold or assigned to a third party collector, and I have not received any written notice or validation from the current owner of the account proving they have the legal right to collect this debt or report it to the credit bureaus.Under the FDCPA ( 15 U.S.C.1692g, a debt collector must provide proper validation upon request.without verifiable documentation from the original creditor confirming owner and accuracy, this can not legally remain on my credit file.because the collection agency has failed to provide sufficient validation, I am requesting that this item be removed from my credit report immediately as required under the Fair credit reporting Act 15usc 16811i )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during anXX/XX/XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is illegally holding my CFPBXX/XX/XXXX settlement check in violation of Regulation XXXX XXXX ( c ) ( XXXX ) (XX/XX/XXXX ). 

This is a U.S. Treasury check issued by XXXX XXXX XXXX for the CFPB XXXX XXXX Law matter ( case XXXX, District of Utah ). 

Check details : - Payable through XXXX XXXX - Administrator : XXXX XXXX XXXX - Official website : XXXX - XXXX : XXXX I asked BOA to XXXXway call for live verification. Rep the Bank of America representative refused. 

This is a government redress check next-day availability required by law. BOA has no valid exception hold. 

I demand immediate release of full amount plus {$1000.00} statutory damages under XXXX XXXX XXXX. 

Call recordings available.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute the following accounts and inquiries that I believe are inaccurately reported on my credit file. These accounts and inquiries appear to be incorrectly marked as " charged off '' or inaccurately reported, and they are affecting my creditworthiness. Below is a detailed list of the disputed accounts separated by credit bureau. I kindly request a review of these items and appropriate action be taken to correct or remove them. 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries Experian ( XXXX ) : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date XXXX : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im filing this complaint against XXXX  for continuing to report a repossession account across all three credit bureaus without providing a single piece of written validation. Ive requested proof multiple times for how this debt was verified no response, no documentation, nothing. All I receive from the credit bureaus are automated verified messages, which violates FCRA 609 ( a ) & 611 ( a ) requiring a reasonable reinvestigation. 
This account shows a balance of {$14000.00} even though the vehicle was taken back in XX/XX/year>. Where is the proof of sale? Where is the deficiency letter? Where is the breakdown of the remaining balance? Without those documents, this is pure hearsay reporting and violates Metro 2 Standards 4.2.3 & 4.3.1, which require data furnishers to report accurate and verifiable information. 
If this account can not be fully validated with written documentation within 15 days, I demand its immediate removal from my credit file. Continued inaccurate reporting will result in legal action under FCRA 616-617 for willful non-compliance and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im filing this complaint against XXXX  for continuing to report a repossession account across all three credit bureaus without providing a single piece of written validation. Ive requested proof multiple times for how this debt was verified no response, no documentation, nothing. All I receive from the credit bureaus are automated verified messages, which violates FCRA 609 ( a ) & 611 ( a ) requiring a reasonable reinvestigation. 
This account shows a balance of {$14000.00} even though the vehicle was taken back in XX/XX/year>. Where is the proof of sale? Where is the deficiency letter? Where is the breakdown of the remaining balance? Without those documents, this is pure hearsay reporting and violates Metro 2 Standards 4.2.3 & 4.3.1, which require data furnishers to report accurate and verifiable information.

If this account can not be fully validated with written documentation within 15 days, I demand its immediate removal from my credit file. Continued inaccurate reporting will result in legal action under FCRA 616-617 for willful non-compliance and damages.

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 2025-11-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hard inquiry from XXXX XXXX on XX/XX/year> and XXXX  XXXX on XX/XX/year> that Ihave NO knowledge of

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 2025-11-10 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:
Hard inquiry from XXXX XXXX on XX/XX/year> and XXXX  XXXX on XX/XX/year> that Ihave NO knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a PayPal account. And when my customers went to pay me on Venmo I found out I could not automatically have that money transferred to me when they put that on their website. Pay through PayPal Venmo. 
Or some other service, it doesn't work that way.You have to pick one of them because venmo and paypal do not work together. So, if you have a paypal account and you send a link, it shows all three ways of paying.But they do not matter if you're not signed up for each service.Such as venmo and forward, I feel that's a breach of contract.

Company response to consumer: Closed with explanation