vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Investigation was not properly invested problem was not solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
Investigation was not properly invested problem was not solved.

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 2025-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigation was not properly invested problem was not solved.

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 2025-05-06 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 explanation
Consumer complaint received 2025-05-06 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:
To Whom It May Concern, I am writing to formally dispute one or more hard inquiries listed on my credit report. These inquiries appear without my full knowledge or legally documented authorization, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ). 

Inquiries to Be Removed : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX DEPT OF ED / XXXX Date of Inquiry : XX/XX/XXXX ( qty. 4 ) Under FCRA 604 ( a ) ( 3 ), a permissible purpose must exist before a hard inquiry can be placed on a consumer credit file. A creditor must have a valid reason, such as a signed application for credit or a written request initiated by the consumer.

I did not authorize or initiate any application that would permit these inquiries. You are required to maintain proof of express authorization.

If you can not validate the existence of a permissible purpose, the inquiry must be removed.

Additionally, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am demanding a full explanation of the reinvestigation process, including : The name, address, and telephone number of each furnisher contacted The original documentation that supports the inquiry A copy of any signed application or authorization Under FCRA 611 ( a ) ( 5 ) ( A ), if the item is found to be unverifiable, you must delete it from my credit file. This inquiry is now considered formally disputed, and failure to resolve this within 7 calendar days may result in : Regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General Legal action under FCRA 616 and 617 for willful noncompliance Sincerely, Name : XXXX XXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 2025-05-06 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: Nelnet, Inc.
State: GA

Complaint narrative:
The department of education has violated my Ferpa right by sharing my information with unauthorized consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Furthermore, any information identified as the result of a data breach must be deleted or blocked no later than four ( 4 ) business days from the date of receipt of this letter. If you are unable to verify the item, you are legally obligated to remove it from my credit report.

I have provided a sworn affidavit attesting that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Accordingly, I urge you to take immediate action to delete or block the affected items to avoid further escalation.

Should you fail to verify the item as required under the FCRA and continue to report it, I will be compelled to pursue legal remedies. This includes seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of the applicable statute is attached for your reference.

Please be advised that under this provision, I may initiate legal proceedings in any competent state or federal court, including small claims court within my jurisdiction. I trust this matter will be resolved promptly and in good faith.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  along with TransUnion credit bureau are reporting an unknown account having an account ( account number : # XXXX * * * * * * * * * * ) on my credit report that does not belong to me. I have not transacted with these people nor have I ever entered into any contract agreement with UNIFUND. I am demanding that these people remove this account from all my credit reports immediately and cease from putting it on any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION. credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-06 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: GA

Complaint narrative:
I am filing this complaint to dispute an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite submitting multiple disputes, the issue has not been corrected, and there is no indication that a proper or thorough investigation has been conducted. 

This unresolved matter has become a serious source of emotional strain and is now impacting my daily well-being. The continued lack of resolution is both frustrating and discouraging. 

Let me be absolutely clear : this is a specific and legitimate dispute, and I am not seeking generic responses or pre-written template letters. I personally prepared and submitted each of the disputes I've sent, along with the appropriate identifying documentation needed for prompt processing. Under the Fair Credit Reporting Act, you are obligated to conduct a thorough and good-faith reinvestigation of every aspect of the item in question not just the tradeline, but all related fields, codes, and data elements. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for issuing a predatory auto loan related to a defective vehicle sold under false pretenses. The APR was excessive and violated N.C.G.S. 24-1.1. The vehicle had repeated unresolved issues qualifying it as a lemon under N.C.G.S. 20-351. 

The dealer and lender engaged in deceptive business practices, violating N.C.G.S. 75-1.1 and 12 U.S.C. 5531 ( Consumer Financial Protection Act ). The dealer and lender were deceptive selling a warranty that was not enforceable, causing me undue distress for payment of repairs that should have been covered under warranty. I request CFPB investigate and enforce corrective action, including removal from all credit reports and cancellation of the contract.

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 2025-05-06 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: NC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for issuing a predatory auto loan related to a defective vehicle sold under false pretenses. The APR was excessive and violated N.C.G.S. 24-1.1. The vehicle had repeated unresolved issues qualifying it as a lemon under N.C.G.S. 20-351. 

The dealer and lender engaged in deceptive business practices, violating N.C.G.S. 75-1.1 and 12 U.S.C. 5531 ( Consumer Financial Protection Act ). The dealer and lender were deceptive selling a warranty that was not enforceable, causing me undue distress for payment of repairs that should have been covered under warranty. I request CFPB investigate and enforce corrective action, including removal from all credit reports and cancellation of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-05-06 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: IN

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

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

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against XXXX, who has failed to honor a pay-for-deletion agreement that I entered into in good faith. Despite satisfying the debt in full, the account continues to appear on my credit report, thereby causing significant harm to my credit score and financial reputation. This is an outright violation of the agreement and represents an egregious lack of professionalism, transparency, and adherence to ethical business practices. 



Here are the key facts : XXXX. Pay-for-Deletion Agreement : I entered into a clear agreement with [ Insert Name of Editor/Creditor ] wherein I paid the debt in full with the explicit understanding that they would delete the account from my credit report once payment was made. 

XXXX. Payment Made : I made the full payment on XX/XX/XXXX, as confirmed by my bank XXXX. Failure to Delete : Despite the payment being processed and the agreement in place, the account continues to appear on my credit report as of XX/XX/XXXX This is a clear breach of the pay-for-deletion agreement and is causing ongoing, unjust harm to my credit. 

XXXX. Inaccurate Reporting : The reporting of this account on my credit report is not only inaccurate but also fraudulent, as the agreed-upon deletion has not been honored. The persistent appearance of this account undermines my creditworthiness and is a direct violation of the Fair Credit Reporting Act ( FCRA ). 



I demand immediate action from both XXXX and the credit bureaus to : Remove the account from my credit report immediately, as per the terms of the pay-for-deletion agreement. 

Provide written confirmation that the account has been deleted from all reporting agencies. 

Ensure no further negative impact on my credit score as a result of this unresolved issue. 



I trust the CFPB will thoroughly investigate this matter and hold the responsible parties accountable for failing to meet their obligations. Should this issue not be resolved within [ insert a reasonable time frame, e.g., XXXX  days ], I will consider further legal action to protect my rights and restore my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
This is not an Error complaint. There are a lot of false and not 100 % accurate information in my credit report. I am very upset and stress to think that this is affecting me negatively!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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