vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : 1. Original Creditor : Complete name and address of the original creditor.

2. Verification of the Debt : A full accounting of the debt amount, including itemized charges.

3. Proof of Your Authority : Documentation proving that you have authority to collect this debt on behalf of the original creditor.

Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports.

Until you can produce evidence validating this debt, I am requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus.

I expect a thorough investigation and a full response within the 30-day period as specified by federal law. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: WI

Complaint narrative:
I am writing to formally dispute and demand the removal of all inaccurate, outdated, unverifiable, and negative items listed on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

After reviewing my credit report, I have identified items that are either inaccurate, unverifiable, or reporting in violation of federal law. Under FCRA Section 611 ( 15 U.S.C. 1681i ), any item that can not be verified must be deleted from my credit file. In addition, under FDCPA Section 809 ( 15 U.S.C. 1692g ), any debt that can not be properly validated by the collector must not be reported or pursued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I am writing to formally dispute and demand the removal of all inaccurate, outdated, unverifiable, and negative items listed on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

After reviewing my credit report, I have identified items that are either inaccurate, unverifiable, or reporting in violation of federal law. Under FCRA Section 611 ( 15 U.S.C. 1681i ), any item that can not be verified must be deleted from my credit file. In addition, under FDCPA Section 809 ( 15 U.S.C. 1692g ), any debt that can not be properly validated by the collector must not be reported or pursued.

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 2025-06-26 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, 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 : 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 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 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 2025-06-26 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: OH

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC regarding their continued collection activity and credit reporting on an alleged debt that has not been properly verified or validated in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

On XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> I sent a written dispute and debt validation request to Portfolio Recovery Associates after discovering a collection account # XXXX listed on my credit report. I specifically requested the following documentation : The name and address of the original creditor A signed contract or agreement proving the debt is mine A detailed itemization or payment history of the alleged amount Proof that Portfolio Recovery Associates has legal authority to collect on this debt As of today, I have not received any of the requested documentation. Despite this failure to validate the debt, Portfolio Recovery continues to report this account to the credit bureaus. This is a direct violation of the FDCPA, and may also constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

This unresolved issue is negatively affecting my credit profile and causing undue stress. I am therefore requesting that the Consumer Financial Protection Bureau investigate Portfolio Recovery Associates for the following violations : Failure to respond to a debt validation request as required by law Continuing to collect and report a debt without proper validation Potential violation of FCRA by furnishing unverified information to credit reporting agencies I respectfully request that this account be removed from all credit reporting agencies unless proper documentation can be provided. Additionally, I request that Portfolio Recovery cease all collection activity until full and lawful validation has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am a victim of identity theft and I have never had an apartment and now I owe {$3300.00} and my moms identity is attached to it. We never signed a lease or lived at the park at walnut ridge.

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 2025-06-26 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: MI

Complaint narrative:
I am disputing the bankruptcy listed on my credit report under FCRA 15 U.S.C. 1681i and 1681b. This item is being reported by the credit bureau, yet the bankruptcy court explicitly confirmed to me that it does not report consumer information to any credit reporting agencies.

Because the court is not the furnisher, the credit bureau has not verified the information with the original source. This makes the bankruptcy unverifiable and potentially inaccurate. Furthermore, per 15 U.S.C. 1681b ( a ) ( 2 ), a credit bureau can not furnish consumer information without a permissible purpose or the consumers written instructions.

I never gave the credit bureau written authorization to report this public record. No permissible purpose exists, and no contract has been established between myself and the court or any other furnisher that would justify the continued reporting of this item. 

I submitted a dispute to the credit bureau and requested an investigation, but the item remained with no meaningful verification or source disclosure. I am requesting that the CFPB investigate this issue, as the credit bureau has failed to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: MS

Complaint narrative:
On XX/XX/year>XXXX  I deposited a check did {$4100.00}. The very next morning my account was restricted and all access was removed. I called the bank they said it was under review. I had to send in documents and finally on XX/XX/XXXX I was told the review was completed an i could contact them to recieve my funds. I contacted them XX/XX/XXXX the lady I spoke to said the check was returned for insufficient funds and to call the person that wrote the check. So I called the law firm who wrote the check. They told me the check cleared on XXXX the XXXX. The bank will not let me in my account still and are claiming I have a negative balance.

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 2025-06-26 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: PA

Complaint narrative:
To whom this may concern my name is XXXX XXXX XXXX and this is not a third party filing this. The credit reporting agencies are taking advantage of me by furnishing inaccurate/ incomplete information on my report. This is tarnishing my financial reputation and lively hood to move forward in life. Please remove those attached inaccurately reporting accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NV

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-06-26 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:
The company XXXX XXXX XXXX obtained the debt without my knowledge on an apartment in which I pad the full lease Im not only that they added to the debt which should have been covered by my security deposit

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 2025-06-26 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:
I am submitting a formal complaint regarding inaccurate late payments reported on my credit profile by XXXX XXXXXXXX XXXX  ( XXXX, Dates reported : XX/XX/XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX Tx XXXX, Reporting : All three bureaus ), XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX, NV XXXX. Reporting : All three Bureaus ), XXXX XXXX XXXX ( Acct : XXXX, Dates reported : XXXX ; Address : XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX : All three Bureaus ). These reported delinquencies are either factually incorrect or do not belong to me. Despite previous efforts to resolve this matter directly with the creditor and through disputes filed with the credit reporting agencies, the inaccurate information remains on my credit report.

This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Under the FCRA, consumers have the right to dispute any inaccurate or incomplete information, and furnishers of information are legally obligated to conduct a reasonable investigation and correct or delete any unverifiable or inaccurate data.

Additionally, if the creditor is reporting this information without proper documentation or continues to report it after being notified of its inaccuracy, it may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, which prohibits misleading and unfair reporting or collection practices.

These inaccurate late payment entries are causing unwarranted damage to my credit profile. I respectfully request that the CFPB investigate this matter further and ensure that the creditor either provides verifiable proof of the alleged late payments or corrects/removes the inaccurate information immediately. If this can not be verified I demand that these payments be updated to paid on time immediately.

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 2025-06-26 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: NJ

Complaint narrative:
I submitted a formal dispute to Equifax regarding inaccurate and/or unverifiable accounts that are negatively impacting my credit report. Despite providing clear identification of the accounts and supporting documentation, Equifax failed to perform a proper reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i.

I requested that Equifax verify the accounts, provide the method of verification, and disclose the name and contact information of the data furnishers. Instead, Equifax either issued a generic response or failed to remove the accounts without supplying any real proof of verification.

The information in question remains on my credit file, and Equifaxs failure to comply with their obligations under federal law is causing measurable harm to my credit standing. The continued reporting of unverified data constitutes a violation of my rights and an obstruction of fair credit practices. 

I am filing this CFPB complaint because Equifax has not fulfilled their legal duties, has not corrected the false reporting, and has offered no transparency in the verification process. I am seeking immediate correction and enforcement of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Credit card or credit inquiry misrepresentation Company : JCPenney ( credit issued by Synchrony Bank ) Summary : On XX/XX/year>, I was offered a 35 % discount at JCPenney in XXXX, LA, if I applied for their store credit card. I expressed concern about my credit being impacted, as I was in the middle of a large real estate development financing process. I asked the associate named XXXX three separate times if the application would affect my credit score. 

Each time, I was told it would be a soft pull only, with no credit score impact. Relying on these assurances, I applied. I later discovered a hard inquiry had been made. 

I returned to the store. XXXX admitted the mistake, and the acting manager XXXX confirmed the facts but refused to help or document them. XXXX also treated me in an unprofessional and belittling manner. 

Resolution Requested : Remove the hard inquiry from my credit reports. Hold the store accountable for the misleading conduct and ensure such incidents are prevented.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ProCollect, Inc.
State: TX

Complaint narrative:
on XXXX XXXX a certified letter was mailed to Pro Collect Inc requesting validation alleged debt to XXXX XXXX pursuant to my rights under the Fair Debt Collection Practice Act,15 U.S. Code 1692g the letter was confirmed delivery via USPS tracking however i have not received any response from the agency to date. despite their legal obligation to cease collection efforts until the account is validated, this account is now being reported on my credit report, in violation of the FDCPA. Additionally the credit bureaus XXXX XXXX has included this unvalidated account in my credit file, which is a violation of the FCRA specifically 15 U.S. Code 1681i as the information is inaccurate and unverified.

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 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, 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 CA XXXX ACCOUNTS : 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 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 non-monetary relief