vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Dispute of Inaccurate Information Collection Account from National Recovery Agency To Whom It May Concern, I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ), pursuant to 15 U.S.C. 1681i, to dispute an inaccurate and/or unverifiable collection account currently listed on my credit report. The information in question is damaging, misleading, and not supported with proper documentation as required by law.

According to the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You are required to conduct a reasonable reinvestigation of any information I dispute as inaccurate or incomplete.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the information can not be verified, it must be deleted from my credit file.

15 U.S.C. 1681s-2 ( b ) The furnisher ( XXXX XXXX XXXX XXXX is also obligated to investigate and report back to Experian. Failure to properly verify results in immediate removal.

If this item can not be verified through complete documentation from the original creditorincluding signed contracts, account history, and a breakdown of chargesit must be deleted immediately from my credit report. Re-reporting unverifiable data constitutes willful noncompliance, which is subject to civil liability under 15 U.S.C. 1681n and 1681o.

Immediate reinvestigation of the above-referenced collection account ; Removal of the account if it can not be verified in accordance with the FCRA ; Written results of the investigation and an updated copy of my credit report within XXXX days, as per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ).

Enclosed are copies of my identification and address verification for your records.

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 2025-07-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Collection Account from National Recovery Agency To Whom It May Concern, I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ), pursuant to 15 U.S.C. 1681i, to dispute an inaccurate and/or unverifiable collection account currently listed on my credit report. The information in question is damaging, misleading, and not supported with proper documentation as required by law.

According to the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You are required to conduct a reasonable reinvestigation of any information I dispute as inaccurate or incomplete.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the information can not be verified, it must be deleted from my credit file.

15 U.S.C. 1681s-2 ( b ) The furnisher ( XXXX XXXX XXXX XXXX is also obligated to investigate and report back to Experian. Failure to properly verify results in immediate removal. 
If this item can not be verified through complete documentation from the original creditorincluding signed contracts, account history, and a breakdown of chargesit must be deleted immediately from my credit report. Re-reporting unverifiable data constitutes willful noncompliance, which is subject to civil liability under 15 U.S.C. 1681n and 1681o.

Immediate reinvestigation of the above-referenced collection account ; Removal of the account if it can not be verified in accordance with the FCRA ; Written results of the investigation and an updated copy of my credit report within XXXX days, as per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). 
Enclosed are copies of my identification and address verification for your records.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the following inquires for violation of 15 USC 1681 ( c ) 2. 
I did not authorize nor consent to the following inquires being furnished on my consumer 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 2025-07-15 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: TN

Complaint narrative:
To Whom It May Concern, I am submitting this statement to formally report that I filed a complaint with my State Attorney General against XXXX XXXX and the credit bureaus for multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Here are the key violations that occurred : 1. Failure to Validate Debt ( FDCPA Violation 15 U.S.C. 1692g ) I submitted a written request for validation of the alleged debt. The creditor or collector failed to provide any proper validation or supporting documents to prove that I owe the debt. Despite this, the account continued to be reported on my credit report.

2. Failure to Remove Unverified Information ( FCRA Violation 15 U.S.C. 1681i ) The credit bureaus and furnishers failed to delete information that could not be verified. Instead of removing the account, they simply marked some as closed while leaving the damaging data on my report. This is not compliant with federal law, which requires that unverifiable information must be deleted, not modified.

3. Partial or Incomplete Investigation ( FCRA Violation 15 U.S.C. 1681s-2 ( b ) ) Although I submitted an FTC Identity Theft Report and formal disputes, only some accounts were removed. Others that were part of the same dispute remained. There is no valid explanation as to why certain fraudulent tradelines were removed and others were ignored.

4. Improper Closure of Student Loan Accounts ( FCRA 1681i Duty to Maintain Accuracy ) My student loan accounts, which were not included in my FTC Identity Theft Report and were not disputed, were incorrectly marked as closed on my credit report. This resulted in damage to my credit history and profile. These accounts should have remained untouched. Their closure shows reckless or negligent handling of my dispute.

5. Failure to Provide Results of Investigation ( FCRA 1681i ( a ) ( 6 ) ) I was not given a proper explanation or written results detailing how my disputes were investigated or verified. There is no transparency regarding which documents were used, who verified the data, or why certain tradelines remain.

Relief Requested : I respectfully request : Full deletion of any unverifiable or improperly handled accounts ( including Credit Acceptance ) ; Restoration or correction of any student loan accounts that were wrongly closed ; A written explanation of how each disputed item was verified or why it remains ; Immediate enforcement of my rights under the FCRA and FDCPA ; And investigation into whether these actions were part of a broader pattern of violations. 

Sincerely, 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
THIS IS NOT a dispute that timeframe has already expired. 

In the last dispute I filed with the CFPB I got a response from milestone admitting that they attempted to pull the payment from XXXX XXXX XXXX which is NOT the account that I authorized the payments be pulled from. Also they pulled the WRONG call. I specifically instructed the customer service rep to pull the payments from XXXX XXXX XXXX which XXXX has CONVENIENTLY and purposely refusing to pull that call. Milestone has also threatened me that they will mark any disputes moving forward as a duplicate and will not follow the FCRA. They will continue to report false information on my credit report. Milestone never addressed the fact that they are reporting XXXX day late with XXXX and XXXX day late with XXXX. Reporting false & conflicting information across the credit bureaus is another FCRA. At first I just wanted the late payment removed! Now I want justice. I have sent an email to XXXX XXXX and have attached every single complaint that I've filed and the refusal to report my credit report accurately. I've also filed a complaint with XXXX XXXX XXXX and the FDIC attaching all responses and refusal to report accurate information. Also Attached how Milestone is reporting XXXX days to XXXX ; and for the same month and year on XXXX reporting XXXX days. 
I am requesting the following statement be added to the milestone account XXXX Late payment reported is a result of milestone customer service rep taking payment from the wrong account that was saved on file. Pending litigation for FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account for XXXX XXXX on my credit reports. This account was placed with them without giving me any chance to explain my financial hardship or to settle directly with XXXX XXXX. During this time I was under active medical care and going through severe physical and emotional stress that affected my ability to keep up with bills. 

Instead of receiving support or notice from XXXX XXXX, my personal information was sent to Portfolio Recovery without my consent or knowledge. I never gave anyone permission to share my private financial data or to assign my account to a third party. This is a violation of the XXXX XXXX XXXX XXXX 15 USC section 6801 which protects consumers from unauthorized sharing of personal information. 

XXXX XXXX then began calling and sending notices that were intimidating and threatening. I received communications that suggested possible legal action and aggressive collection tactics, which only added to my stress and worsened my health. These actions are in violation of the Fair Debt Collection Practices Act FDCPA including section 1692d which prohibits harassment and section 1692e which prohibits the use of false or misleading threats.

No one ever tried to validate this debt with me before trying to collect. They failed to follow proper legal steps, and their communication has been unfair and harmful. I have sent a cease and desist letter demanding that Portfolio Recovery stop all communication and collection activity in accordance with FDCPA section 805 subsection c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-07-15 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: LA

Complaint narrative:
XXXXn and XXXX has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.

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 2025-07-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account,
including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account,
including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-07-15 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 filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

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 2025-07-15 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: SC

Complaint narrative:
I am writing with urgency and distress over a collection account that has been added to my credit report without my knowledge or consent. I have no association with this debt, and I believe it was fraudulently placed.

Company response to consumer: Closed with non-monetary relief