vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding the continued and inaccurate reporting of two collection accounts and one charge-off listed under my Experian credit report. The accounts in question are as follows : XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX for {$2600.00} marked as a collection, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX for {$1500.00} marked as a collection, and XXXX XXXX  XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX for {$0.00} marked as a paid charge-off. 

These negative marks are outdated, inaccurate, and unverifiable. The collection accounts from XXXX have been on my report since XXXX, and no legally sufficient documentation has ever been provided to validate the legitimacy of these debts. Despite repeated disputes and requests for verification, Experian has failed to produce original account records, signed agreements, or any supporting documentation demonstrating that I am legally responsible for these accounts, nor that they were collected or serviced in compliance with the Fair Credit Reporting Act ( FCRA ). These debts are more than five years old and continue to negatively impact my creditworthiness without justification. 

As for the XXXX XXXX  XXXX account, it is listed as a paid charge-off with a {$0.00} balance. If the balance is XXXX and the account has been paid, then the charge-off designation is misleading, outdated, and punitive. Keeping such derogatory information on my report, despite there being no outstanding liability, is unjust and in bad faith. 

The continued reporting of these derogatory marks without full and proper documentation is a violation of the FCRA, which mandates that all information reported must be accurate, complete, and verifiable. Experians failure to remove these harmful and baseless entries is willful negligence and an obstruction to my ability to maintain fair access to credit.

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 2025-06-25 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: CA

Complaint narrative:
I disputed an erroneous 60-day late payment reported by XXXXXXXX XXXX  on my credit report with Experian, initiated on XX/XX/XXXX. Initially, XXXXXXXX XXXX incorrectly reported three months of delinquency ( XXXX, XXXX, and XXXX ). After I disputed this with TransUnion multiple times, they later partially corrected this to show only two months. 
I provided comprehensive documentation, including evidence that this account was under active dispute with XXXXXXXX XXXX  since XX/XX/XXXX. Critically, I have a secure message from XXXXXXXX XXXX dated XX/XX/XXXX ( See Attachment : XXXX ), explicitly stating my " account status has been changed to dispute '' and that my " payment history will also be rectified. '' This dispute also highlighted XXXX XXXX XXXX contradictory statements about reporting status while in dispute ( including their XX/XX/XXXX message ), and their partial acknowledgment of error by reversing late fees ( including those waived by TransUnion after my dispute with them ) but consistently refusing to correct the underlying delinquency status. They even requested and then stated in a letter to me in XX/XX/XXXX, " we are unable to accept this as proof '' for the electronic transmittal form I provided. 
On XX/XX/XXXX @ XXXX XXXX Experian sent me an email stating, " The results of our reinvestigation are included here. '' However, the email contained no results regarding the outcome of my dispute. It merely outlined the dispute process, leaving me entirely uninformed about whether the inaccurate information was corrected or verified. Experian failed to provide the required dispute results. 
This failure by Experian to provide proper dispute results, coupled with the furnisher 's ( XXXXXXXX XXXX ) unresponsiveness and apparent obstruction in correcting a demonstrably inaccurate entry ( even after explicitly promising to change the account status to 'dispute ' and rectify payment history ), has allowed a severe and false negative mark to remain on my credit file. This single, erroneous entry initially caused a devastating drop in my near-perfect credit score ( from XXXX to XXXX ). While my score has since recovered to XXXX, this took over two years of consistent on-time payments. More importantly, this false delinquency directly caused me to be declined twice for balance transfer credit cards that would have saved me close to {$2100.00} in interest and significantly accelerated my journey to being debt-free

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 2025-06-25 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: CA

Complaint narrative:
I disputed an erroneous 60-day late payment reported by XXXXXXXX XXXX  on my credit report with Experian, initiated on XX/XX/XXXX. Initially, XXXXXXXX XXXX incorrectly reported three months of delinquency ( XXXX, XXXX, and XXXX ). After I disputed this with TransUnion multiple times, they later partially corrected this to show only two months. 
I provided comprehensive documentation, including evidence that this account was under active dispute with XXXXXXXX XXXX  since XX/XX/XXXX. Critically, I have a secure message from XXXXXXXX XXXX dated XX/XX/XXXX ( See Attachment : XXXX ), explicitly stating my " account status has been changed to dispute '' and that my " payment history will also be rectified. '' This dispute also highlighted XXXX XXXX XXXX contradictory statements about reporting status while in dispute ( including their XX/XX/XXXX message ), and their partial acknowledgment of error by reversing late fees ( including those waived by TransUnion after my dispute with them ) but consistently refusing to correct the underlying delinquency status. They even requested and then stated in a letter to me in XX/XX/XXXX, " we are unable to accept this as proof '' for the electronic transmittal form I provided. 
On XX/XX/XXXX @ XXXX XXXX Experian sent me an email stating, " The results of our reinvestigation are included here. '' However, the email contained no results regarding the outcome of my dispute. It merely outlined the dispute process, leaving me entirely uninformed about whether the inaccurate information was corrected or verified. Experian failed to provide the required dispute results. 
This failure by Experian to provide proper dispute results, coupled with the furnisher 's ( XXXXXXXX XXXX ) unresponsiveness and apparent obstruction in correcting a demonstrably inaccurate entry ( even after explicitly promising to change the account status to 'dispute ' and rectify payment history ), has allowed a severe and false negative mark to remain on my credit file. This single, erroneous entry initially caused a devastating drop in my near-perfect credit score ( from XXXX to XXXX ). While my score has since recovered to XXXX, this took over two years of consistent on-time payments. More importantly, this false delinquency directly caused me to be declined twice for balance transfer credit cards that would have saved me close to {$2100.00} in interest and significantly accelerated my journey to being debt-free

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : Debt Validation Request and Formal Complaint Against Portfolio Recovery Assoc To Whom It May Concern, I am filing this complaint to request the Consumer Financial Protection Bureaus assistance regarding a debt collection issue that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 





Background : I received a collection notice from XX/XX/year>, regarding an alleged debt with the following details : Creditor/Original Lender : XXXX  XXXX XXXX  Account Number : XXXX Amount Allegedly Owed : {$1800.00} Date of Initial Contact/Notice : XX/XX/year> On XX/XX/year>, I submitted a written request for debt validation to the collector under Section 809 of the FDCPA, requesting that they provide the following : Proof that I am legally obligated to pay the alleged debt A complete breakdown of the amount they claim I owe A copy of the original contract or agreement bearing my signature ( if applicable ) Proof that the collection agency has the legal authority to collect on this debt To date, I have not received sufficient validation, and the collector has either continued to pursue collection efforts or reported the debt to the credit reporting agencies without proper verification, which may constitute a violation of federal law. 





Action Requested : I respectfully request the CFPB investigate this matter and ensure the debt collector : Ceases collection activity until the debt is properly validated Removes any unverified or inaccurate information reported to the credit bureaus Provides a written response outlining how they have complied with the FDCPA and FCRA Attached Documents : A copy of the original validation request sent to the collector Any correspondence received in response Collection notices Copy of credit report with disputed account ( s ) highlighted ( if applicable ) I am requesting that this issue be reviewed and resolved as soon as possible. Thank you for your attention and assistance. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX this is my original complaint ref # from you. 
I already sent several disputes to equifax. I sent my state issued valid ID, social security card and a utility bill to confirm my identify prior to reaching out to you for assistance. 
you sent information on XX/XX/year> as you can see via the attachments that they opened and closed your investigation as well and I still show a blank report. they are not investigating anything. just closing them with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MO

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal follow-up to my previous disputes. I am demanding immediate reinvestigation and deletion of multiple inaccurate and unverified accounts that continue to appear on my credit report, despite my prior requests.

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 2025-06-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: MI

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: MI

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unifin Inc.
State: KS

Complaint narrative:
I have received multiple calls and voicemails and now I'm receiving text messages about the discharged debt from XXXX XXXX XXXX. It first started with XXXX XXXX trying to bill me for these discharged bills, they ignored the proof of bankruptcy discharge paperwork that was sent to them in the mail, and faxed, to their office. They sent it to a debt collector anyway. I have also recently received a handful of letters in the mail with the dates of the debt and what it is pertaining to. All debt obtained before XXXX of XXXX has been discharged, everything with this collection is before that date. I have given the contact information for my bankruptcy lawyer and I still keep receiving calls, and texts. The calls all started mid-XXXX here and there and have slowly gone up to every single day since middle of XXXX. I received letters the first week of XXXX, and today XX/XX/XXXX I started getting text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
I completely disconnected my bank information from this application and they still withdrew a subscription fee without my consent. Any requests to speak with an individual for a refund have gone completely unanswered. I used this application for less than a month and they still felt entitled to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the Synapse bankruptcy case, indicating their belief that XXXX  may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

My Background I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX XXXX  & XXXX and was frozen on or around XX/XX/2024, without warning. 

The Harm I Suffered When my account was frozen, I had {$15000.00} in the account. Since then, I have recovered {$26000.00}, leaving {$11000.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : - I had to take on credit card debt to survive while waiting for my funds. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX 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, TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00}

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 non-monetary relief
Consumer complaint received 2025-06-25 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: CO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation