vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
FINAL NOTICE OF DISPUTE AND DEMAND TO CEASE COLLECTION UNDER 15 U.S. CODE 1692c ( c ) Re : PRA Account Ending in XXXX To Whom It May Concern : This letter serves as a final notice and formal demand that Portfolio Recovery Associates , LLC ( PRA ) immediately cease and desist all collection activity and communication regarding the above-referenced account under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). This includes phone calls, letters, emails, and furnishing information to consumer reporting agencies. 
I have disputed this debt three times, and PRA has failed to provide full and complete debt validation.

Repeating the same generic response and citing unverifiable records is not sufficient under the FDCPA. You have not provided : - A signed contract or agreement bearing my signature, - A full itemized account history from the original creditor,- Legal proof that PRA has the right to collect on this debt.

As such, PRA is in violation of both : - 15 U.S.C. 1692g - for failure to provide proper debt validation, - And now 15 U.S.C. 1692c ( c ) - by continuing communication and reporting after being notified in writing to cease.

This letter constitutes a formal demand that PRA : 1. Immediately stop all communication and collection attempts ; 2. Cease reporting this account to the credit bureaus unless and until full and proper validation is provided ; 3. Delete the account from all credit reporting agencies if validation can not be produced.

If PRA continues to report, communicate, or pursue collection, I will pursue : - Formal complaint escalation with the Consumer Financial Protection Bureau ( CFPB ), - Complaints with the State Attorney General and FTC,- And legal action for damages, legal costs, and additional remedies under FDCPA and FCRA. 
You are now on notice under federal law. Govern yourselves accordingly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XX/XX/XXXX I opened my Chase Bank online savings account to discover a transaction for {$4800.00}, which I was not expecting and is fraudulent. The name on the transaction was XXXX, which is not an organization of which I have any dealings or knowledge. On the day before this large transaction there were three small transactions ( {$0.00} credit, {$0.00} credit, {$1.00} debit ) also from XXXX, presumably to test the account before making the large transaction. The fraud occurred over the holiday weekend and I reported it to Chase as soon as they opened after the weekend. Chase have refused to refund the fraudulent charge, but have not provided any evidence or reason for their decision, except that I was late in claiming for an unrelated fraudulent charge for {$300.00} from XXXX XXXX that occurred in XX/XX/XXXX, but I do not see why this should in any way prejudice my prompt claim for an unrelated fraud in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I have tried multiple times to contact the company and request that an hard inquiry which I did not consent to be removed from my credit report. Each time I called I was told it was an easy fix and they would transfer me to the correct department. Each time they went to transfer me, the call was disconnected, and I had to call back. On my fourth phone call I pointed this out and was told maybe I should write an email instead. I did so and was given the runaround. They asked for my address after I had already provided it, and then told that I did have a line of credit with this company for an HVAC and the hard credit inquiry was in XXXX so thats what I was seeing. This was despite the fact that I had provided a detailed explanation of my request andincluded a screenshot of my hard credit inquiries from the XXXX website, showing that there were two hard inquiries from goodleap, one in XX/XX/year>, which I did not dispute, and one in XX/XX/year>, which I am disputing because I did not consent to that inquiry. I did not receive a response after that final email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
I took federal student loans out from XXXX and have been paying them back religiously. I qualify for public student loan forgiveness ; however, in XXXX of last year Mohela quit reporting my payments to studentaid.gov as such my payment counts on the federal student loan website are stuck at XXXX qualifying payments. I have made payments that at this point have over satisfied the terms for forgiveness however Mohela is still asking that I pay and refusing to share payment counts.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-08 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: MA

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX Equifax Information Services XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Request for Immediate Deletion of Late Payments Re : XXXX XXXX Account XX/XX/XXXXXXXX Dear Credit Reporting Agency, I am writing to formally dispute and request immediate deletion of the late payment history reported on myXX/XX/XXXX XXXX account ( Account XX/XX/XXXXXXXX ) from my credit file. 
Upon reviewing my recent credit report, I identified serious inaccuracies : * BothXX/XX/XXXX and Equifax are reporting late payments ( including Late 90 Days ) that are not accurate and can not be substantiated with full documentation. 
* The payment history and dates reported are inconsistent, conflicting across bureaus, and fail to reflect my records. 
* The account shows contradictory credit limit and balance information that further demonstrates reporting errors.

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, you are required to : 1. Conduct a proper reinvestigation of this account with the furnisher ( XXXX XXXX ) and obtain full payment records and signed agreements proving the validity of these reported late payments. 
2. Delete any information that can not be fully verified with original documentation from the creditor not simply a database confirmation.

I request that you : * Remove all late payment notations from this account, including the Late 90 Days entry. 
* Provide me with an updated credit report reflecting the corrections. 
If you are unable to verify the accuracy of the late payment records within 30 days, you must delete them from my credit file as required by law. 
Please consider this my official written dispute and request for deletion under the FCRA. I expect confirmation of your investigation results in writing. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Second Removal Request for Authorization of Users on Account Hello Chase Bank, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX Credit Card XXXX Customer Service, I am writing to formally follow up on my previous request regarding the authorization of additional users on my account. This marks the second attempt to address this matter, and I respectfully request your immediate attention and assistance in completing this process. 

I would greatly appreciate a prompt resolution, as the delay has been increasingly inconvenient. If you have any questions or require additional information to move forward, please do not hesitate to contact me directly at ( XXXX ) XXXX. 

Thank you in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX Chase Credit Card : XXXXXXXX XXXX XXXXXXXX Card : XXXX XXXX XXXX XXXX XXXXXXXX Removal of Authorized Users : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: AZ

Complaint narrative:
On XX/XX/year>, TransUnion completed an investigation into my dispute of account XXXX and confirmed the XX/XX/year> payment status was updated to Current, with the account reporting as Paid or Paying as Agreed. 

However, my consumer credit file as seen by creditors and through TransUnions own credit report products still incorrectly shows the XX/XX/year> payment as late. 

This violates : FCRA 611 ( a ) ( 5 ) ( A ) failure to promptly modify/delete inaccurate data after reinvestigation.

FCRA 607 ( b ) failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) failure to conduct a reasonable reinvestigation if the correction does not appear in the consumer file.

This ongoing inaccuracy is materially harming my creditworthiness and my ability to obtain credit. TransUnions own records prove the late mark is false, yet it remains in the public-facing file.

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 2025-08-08 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: TX

Complaint narrative:
My credit report shows a late payment that I believe to be a mistake. Given my flawless payment track record, I request it be removed right away.

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 2025-08-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : 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 explanation
Consumer complaint received 2025-08-08 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: SC

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) 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 2025-08-08 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00}

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} INQUIRIES : XXXX XXXX  Date : 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