vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I am filing a complaint because a medical debt was placed in collections and reported to my credit report without any notice. I never received a bill, itemized statement, date of service, or any communication before the collection appeared on my credit report. Because of this lack of notice, I do not know what the debt is for, when the service occurred, or whether the charges were ever properly billed. The collection agency reporting this account is Ability Recovery Services LLC, which can be reached at XXXX or XXXX. The provider listed appears to be XXXX XXXX XXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX, reachable at XXXX or XXXX. Under the Fair Credit Reporting Act, furnishers are required to provide accurate and verifiable information and must not report medical debts without giving the consumer proper notice and an opportunity to review or resolve the balance. Since I was never sent any notice, statement, or explanation prior to this account being placed in collections and reported to the credit bureaus, I am requesting a full investigation into both the provider and the collection agency. I am also requesting deletion of this collection account due to the lack of notice, lack of verification, and improper reporting practices.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If you are not able to provide this, please delete the account you have wrongly created as soon as possible or legal action will be taken.

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 2025-11-25 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: WA

Complaint narrative:
I am writing to EQUIFAX to REQUEST FOR REINVESTIGATION regarding several accounts that continue to appear on my credit report even after I submitted a previous investigation request. My name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, WA XXXX. My date of birth is XX/XX/XXXX. I am asserting my rights under the Fair Credit Reporting Act to ensure all information reported under my name is accurate, complete, and verifiable. 

I am disputing the account XX/XX/XXXX ( XXXX ), opened XX/XX/XXXX, with a reported balance of {$8800.00}. The late payments showing on this account were due to fraudulent activity. I have never been late in making my payments and consistently paid before any past-due date. I request that EQUIFAX remove all inaccurate late payments reported for this time period. 

I am also disputing the account XX/XX/XXXX XXXX ( XXXX ), opened XX/XX/XXXX, with a balance of {$1800.00}. The late-payment dates associated with this account are incorrect. This account should be deleted from my credit report due to inaccurate reporting and violations of the Fair Credit Reporting Act. 

Regarding the account with XXXX BANK, XXXX. ( XXXX ), opened XX/XX/XXXX, with a reported balance of {$20000.00}, I request that EQUIFAX obtain and provide proof of the last payment. The reporting of this charge-off appears to violate the duties of furnishers under the FCRA. Therefore, I am requesting a reinvestigation and appropriate correction or deletion based on the findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX illegally assigned a XXXX XXXX account ending in XXXX to Portfolio Recovery and Portfolio Recovery is continuing to report this inaccurate, unverifiable information reporting this debt as assigned to their agency on XX/XX/XXXX I filed in bankruptcy court a XX/XX/XXXX XXXX bankruptcy the month before on XX/XX/XXXX. This is a clear violation of the bankruptcy law. Creditors arent allowed to contact persons who have filed bankruptcy neither can they attempt to collect a debt once they have been notified that the debt has been included in bankruptcy. When this is done it defeats the purpose and is a travesty of the legal system. 
The fact that this debt was dismissed in bankruptcy has nothing to do with my rights being violated while I was in bankruptcy. 
The account that appears on my Experian and Equifax credit reports by Portfolio Recovery ends in the last 4 numbers XXXX. 
This account should be deleted immediately because when this account was assigned in XX/XX/XXXX It was a blatant bankruptcy violation and the date reporting Assigned was assigned under false pretenses because I was in bankruptcy at the time. 
Additionally, Portfolio and or XXXX REAGED the debt as it should not be reporting on my credit report. Portfolio Recovery continues to verify my disputes regarding REAGING and I will may be forced to seek legal representation for willful non compliance in accordance with with 15 U.S. Code 1681n - Civil liability for willful noncompliance. XXXX knew at the time that I was in bankruptcy and still assigned or sold this debt in the interim which is illegal. Delete this debt immediately fromXX/XX/XXXX, XXXX XXXX or any other credit reporting agency that it appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
This letter serves as my official dispute regarding the accounts listed. I have no connection to them and did not authorize their establishment. I kindly request their deletion and a full investigation. Supporting materials are attached.

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 2025-11-25 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: CA

Complaint narrative:
I am disputing inaccurate and unauthorized items on my Equifax credit report. Under FCRA 611, I request a reinvestigation and correction of the following information. 

XXXX. XXXX Accounts There are charged-off accounts being reported inaccurately. I am requesting documentation verifying ownership, accuracy, and balance, or deletion of the accounts if unverifiable. 

( List any if applicable ) XXXX. Inquiries I did not authorize the following inquiries, and Equifax has not provided proof of permissible purpose as required by law. Please delete them : XXXX, XX/XX/year> XXXX, XX/XX/year> Provide the entitys certification of permissible purpose for each inquiry. 

XXXX. Late Payment The following account is inaccurately reporting late payments. I request verification or deletion : XXXX XXXX, Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account XXXX : [ XXXX * * * * ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am submitting this formal dispute regarding the accounts listed below, which contain discrepancies or inaccuracies. These accounts need to be thoroughly investigated and corrected. Below are the details of the accounts in dispute, organized by each credit bureau. 
Charged-Off Accounts : XXXX Account Number : XXXX * * * * Account Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX * * * * Account Date : XX/XX/XXXX Balance : {$650.00} XXXX  Account Number : XXXX * * * * Account Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX * * * * Account Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX * XXXX * * Account Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Experian ( EX ) : XXXX 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 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I recently purchased a house with XXXX and Rocket Mortgage. I was deceived into selecting Rocket Mortgage since they informed me that by working with XXXX and Rocket Mortgage I would get the following benefits. 

Email from the loan XXXX : " '' '' When you work with Rocket Mortgage and XXXX, you'll have access to exclusive benefits, including : A 1 % lower interest rate for the first year, or up to {$6000.00} in closing cost assistance Expedited closings in as little as XXXX weeks, thanks to our in-house processing, underwriting, and closing teams- much faster than traditional banks and other mortgage lenders. That speed can be the difference between getting your offer accepted or losing out on your dream home Lifetime loan servicing - we don't sell your loan! You'll always deal directly with us from your first payment to your last. No third parties, no surprises- just consistent, reliable service for the life of your loan. Plus, when you're ready to refinance in the future, the process will be faster and much more streamlined because we already know you and your loan " '' '' A month later I get the notification that my loan has been sold as well as the servicing. 

I understand that selling mortgages and servicing is legal and done frequently in the financial sector, however this is not that. This is deceiving a customer and falsely assuring them that they would hold their loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or XXXX. Such actions violate the automatic stay and discharge injunction under bankruptcy 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 2025-11-25 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: Kikoff Inc.
State: AZ

Complaint narrative:
I disputed the Kikoff account because the information they furnished to Experian does not match their own internal records. Between XXXX XXXX XXXX I exchanged multiple emails with Kikoff support. They provided inconsistent dates ( opened XX/XX/XXXX, closed XX/XX/XXXX or XX/XX/XXXX ) that do not match what they reported to XXXX. I pointed out these discrepancies in detail on XX/XX/XXXX, along with screenshots of the inaccurate reporting. 

Despite being shown the errors, Kikoff stated they will NOT remove or correct the inaccurate information. They did not validate the reporting, did not fix any errors, and did not conduct a reasonable investigation. The documents they sent ( agreement, validation file, payment history ) do not support the dates or statuses they furnished to XXXX.

Kikoff is violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 607 ( b ), and 611 ( a ). I am requesting deletion of this account because the company refuses to correct false information after being notified. All emails and documents are attached as evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( EX ) XXXX XXXX XXXX XX/XX/year> XXXX LATE PAYMENTS ( EX ) XXXX XXXXXXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-11-25 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: 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 explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: VeriCore, LLC
State: TX

Complaint narrative:
The debt collector has engaged in the following prohibited conduct : Improper and Threatening Communication with Third Parties : The debt collector has threatened to communicate with third parties for purposes other than acquiring location information. They have initiated a " financial solvency investigation '' which involves instructing their staff to contact our local chamber of commerce to inquire about our business 's membership status, dues history, and grievance procedures. This action is a clear attempt to harass, coerce, and publicly shame our business into payment by disclosing the existence of an alleged debt to a third-party business association. Please see the attached evidence of these instructions. 

Harassing Communications with Employees : The debt collector has been contacting my employees directly at our place of employment to demand payment for the company 's alleged debt. This conduct is highly disruptive to our business operations, constitutes harassment of our employees who have no personal liability for this commercial matter, and is a deceptive and unfair means of collecting a debt. 

These actions appear to violate several provisions of the Texas Finance CXX/XX/XXXXe, specifically those prohibiting harassment, abuse, deceptive representations, and unfair or unconscionable means of debt collection ( XXXX, XXXX, XXXX, and XXXX ). The collector 's conduct is causing significant distress and disruption to my business and employees. 

I request that your agency investigate this matter promptly and take appropriate enforcement action against the debt collector for these violations. 

Thank you for your attention to this serious issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint about TransUnions credit reporting and failure to properly handle my written disputes under the FCRA. 

On my TransUnion report I have : A XXXX XXXX XXXX auto loan that shows as Sold ; was Charged-off, with a high balance around {$19000.00}. 
A XXXX XXXX XXXX XXXX account for about {$6900.00}, which appears to be for the same auto loan. 

I already sent TransUnion a written dispute by mail. I included my ID, proof of address, and a detailed dispute letter. TransUnion did not fix the errors and the accounts are still reporting as negative. 

There are problems with the Dates of First Delinquency, the way the XXXX XXXX XXXX account is reported as charged-off/sold, and the way the XXXX XXXX XXXX is XXXX XXXX including the open account / factoring company style coding and past-due amounts ). The information does not match what other bureaus are reporting and appears to be confusing or misleading. It is not clear how the XXXX XXXX XXXX charge-off amount relates to the XXXX XXXX XXXX XXXX, and it looks like I could be shown as owing XXXX separate debts for the same auto loan. 

I tried to get TransUnion to correct this directly through a written dispute but they did not fix these problems.

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