vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: CITIBANK, N.A.
State: TX

Complaint narrative:
* * Creditor Name : * * BBY/CBNA ( Best Buy ) * * Account Number ( partial ) : * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : * * Collection/Charge-Off * * Last Activity Date : XXXX XXXX XX/XX/XXXXXXXX XXXX  Creditor Name : * * XXXX XXXX XXXXXXXX * * Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : * * Collection/Charge-Off * * Balance : * * {$7300.00} * * Past Due : * * {$7300.00} * * Last Reported : * * XX/XX/XXXX Creditor Name : * * XXXX XXXX ( XXXX ) * * Account Number ( partial ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : * * Collection/Charge-Off * * Reported Balance : * * {$3700.00} * * Past Due : * * {$3700.00} * * Last Reported : * * XX/XX/XXXX * * Creditor Name : * * XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) * * Account Number ( partial XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : * * Collection/Charge-Off * * Reported Balance : * * {$7300.00} * * Past Due : * * {$7300.00} * * BBY/CBNA - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  File # : XXXX | Report Date : XXXXLast Reported : * * XX/XX/XXXX Account Name : XXXX Account Number ( Partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Status : Charged-Off Balance : {$3700.00} Past Due : {$3700.00} Last Reported : 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PORTFOLIO RECOV ASSOC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$990.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PORTFOLIO RECOV ASSOC but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
Re : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am submitting this complaint to dispute inaccurate and misleading information reported by XXXX regarding an auto loan account listed on my credit report. The following details apply : Creditor Name : XXXX Account Type : Auto Loan Account Status : Closed ( as of XX/XX/XXXX ) Reported Balance : {$14000.00} Original Balance : {$21000.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Credit Reporting Agency : TransUnion ( others may apply ) Disputed Items : 1. Late Payments 2. Charge-off Status 3. Collection Status 4. Inaccurate Reporting Duration ( post-closure reporting ) Basis for Dispute : I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically the following U.S. Codes : 15 U.S. Code 1681s-2 Information furnishers must provide accurate information and correct inaccuracies promptly.

15 U.S. Code 1666 ( b ) & 1637 ( a ) Late payments not properly verified should not be reported.

15 U.S. Code 1692 ( g ) & 1692 ( c ) Collection accounts must be validated and properly communicated.

15 U.S. Code 1681 ( e ) & 1681 ( i ) Reinsertion or continued reporting of unverifiable or inaccurate information is prohibited.

15 U.S. Code 1681 ( c ) ( 2 ) Inaccurate derogatory marks must be removed if they can not be verified. 


This account was closed in XXXX, and I dispute the continuing and repeated reporting of derogatory marks years after the last payment without updated validation or documentation.

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER CARD opened XX/XX/year> without my knowledge or consent. I am a victim of identity theft due to Data breach of my social security number and personal identifying information. That has caused my credit file to be exposed to theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very XXXX  that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly XXXX  and has negatively impacted my XXXX. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$38000.00} Date Opened : XX/XX/2023.

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 2025-06-24 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: OH

Complaint narrative:
I was a victim of identity fraud because of the credit breach. These credit reporting companies are important and accurate and fraudulent accounts on my Credit file that I asked to be removed and deleted. I never gave any knowledge of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: OH

Complaint narrative:
I was a victim of identity fraud because of the credit breach. These credit reporting companies are important and accurate and fraudulent accounts on my Credit file that I asked to be removed and deleted. I never gave any knowledge of this information.

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 2025-06-24 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: GA

Complaint narrative:
My personal information was exposed to XXXX data breach and my identity stolen I do not recognize these accounts listed below 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 non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-24 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: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency used to verify the accuracy and completeness of the information currently under dispute, as required by 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this provision, I am entitled to a full description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against MIDLAND CRED regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with MIDLAND CRED but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency used to verify the accuracy and completeness of the information currently under dispute, as required by 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I am entitled to a full description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal 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 2025-06-24 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: NV

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian P.O. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Accounts and Request for Removal of Identity Theft Block Dear Experian Dispute Department, I am writing to formally dispute certain accounts listed on my credit report, which I believe are the result of identity theft. Pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ), I am requesting the immediate removal of these accounts within 4 business days. 

Below are the details of the accounts I am disputing : XXXX XXXX XXXX XXXX 
Account Number : XXXX Balance : {$990.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX ) Account Number : XXXX Balance : {$440.00} Date Opened : XX/XX/XXXX XXXX. XXXX Account Account Number : XXXXXXXX XXXX ( full number not displayed for security ) Balance : {$13000.00} Date Opened : XX/XX/XXXX Legal Reference : Under 15 U.S. Code 1681c-2, I am entitled to request the blocking of information resulting from identity theft, and I am asserting that these accounts are fraudulent and should be removed from my credit report. 

Request : I request that all three accounts be investigated and removed from my credit report if found to be fraudulent, and that any fraudulent activity associated with my identity be blocked as per the above legal statute. 

Enclosed are copies of my identity theft affidavit and any relevant documentation for your review. 

Please confirm receipt of this dispute and inform me of the actions taken regarding my request. I also request that you remove any fraud blocks associated with these accounts as they are not authorized or acknowledged by me. 

Thank you for your prompt attention to this matter. 

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 2025-06-24 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced accounts. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any accounts before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the accounts from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or inquires. It is the result of identity theft. 

XXXX. The inquiry was not authorized XXXX 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 2025-06-24 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:
To Whom It May Concern, This is my final written demand for the immediate removal of unauthorized credit inquiries listed on my Equifax credit report.

I have directly contacted the creditors responsible for these inquiries, and none of them have been able to provide any documentation including a signed authorization showing that I granted permission for these inquiries.

Equifax has also failed to provide any documentation proving a permissible purpose for these inquiries under federal law. Therefore, retaining these inquiries on my report is a direct violation of the Fair Credit Reporting Act ( FCRA ), Sections 604, 609, and 611.

I am also attaching a copy of my FTC Identity Theft Report, which supports my claim that I did not initiate or authorize these inquiries. Under FCRA Section 605B, Equifax is legally obligated to block this information when such a report is submitted. 

The inquiries in dispute are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If Equifax can not provide verifiable evidence that I authorized each of these inquiries, you are legally required to remove them immediately.

Failure to comply will result in the following actions : A formal lawsuit for willful FCRA violation under Section 616 Additional complaints filed with the State Attorney General A small claims court action for damages caused to my credit report I expect written confirmation of removal within 10 business days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation