vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint against the three major credit bureaus for continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ).

This is a second formal dispute regarding multiple accounts inaccurately reporting late payments. My first dispute was sent more than 35 days ago, and I have yet to receive any valid documentation verifying the accuracy of these reported delinquencies. Despite my lawful requests, the bureaus have failed to provide documentary evidence or the required method of verification. 

Disputed Accounts with Alleged Billing Errors : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX Multiple accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The basis of my billing error disputes under 15 U.S.C. 1666 ( b ) includes : Failure to correctly reflect payments or credits. 

Computation or accounting errors by the creditor. 

Failure to provide proper billing notice at least 21 days before assessing late fees or reporting late payments. 

The bureaus failure to provide any proof of the alleged delinquencies or disclose their reinvestigation procedures violates : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures ensuring maximum possible accuracy.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: C/C Financial
State: CA

Complaint narrative:
My credit score is showing as a XXXX and my information wasn't accurate and my original credit score account was compromised to the name XXXX XXXX XXXX and I need my crefit score and credit score account and options and royalties back without another request to someone else or any company to fix for me please with no conservatorship or conservatee tithes or alters or interest please. 
My private bank and private client and feature says XXXX XXXX and I need it put back to my name XXXX XXXX XXXX from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint because Experian and TransUnion have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes I have submitted since XX/XX/XXXX, most recently on XX/XX/XXXX, both bureaus continue to report inaccurate, unverifiable, and fraudulent information on my credit file. 

The disputed items include : A XXXX  XXXX bankruptcy ( Case # XXXX ). 

Unauthorized inquiries from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ). 

Multiple charge-offs from XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  ). 

Incorrect personal information reporting under the name XXXX XXXX XXXX, which is not my legal name. 

These items remain on my file despite clear requests for deletion and documentary evidence showing they are either inaccurate or unverifiable. Both bureaus have failed to : Conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ).

Provide the method of verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ).

Ensure maximum possible accuracy in reporting ( 15 U.S.C. 1681e ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Constant daily harassment even when asked to stop calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
I am the victim of identity theft. My credit reports contain multiple fraudulent accounts and inquiries that I did not authorize, including two XXXX XXXX XXXX accounts, a XXXXXXXX XXXX account, and numerous hard inquiries from financial institutions nationwide. These items were opened or reported without my knowledge, consent, or authorization and continue to damage my creditworthiness and reputation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), I have the right to have fraudulent information resulting from identity theft blocked and permanently removed from my credit file. Despite previous disputes and submissions, these fraudulent accounts and inquiries remain or have reappeared, violating my rights under federal law.

Furthermore, in accordance with federal regulations, the credit reporting agencies and furnishers are required to act within four ( 4 ) business days of receiving proper identity theft documentation to block and delete fraudulent information. I am demanding strict adherence to this statutory deadline.

In addition, any flags, consumer alerts, fraud alerts, or other notations that imply I am a credit or fraud risk must be immediately removed. Such notations unfairly prejudice potential lenders against me and could constitute defamation of character and related causes of action if not promptly corrected.

If compliance is not achieved within the four-day statutory period, I will consider this a willful violation of my rights under the FCRA and related consumer protection statutes, and I will pursue legal remedies to hold all parties accountable for damages.

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 2025-08-27 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 the victim of identity theft. My credit reports contain multiple fraudulent accounts and inquiries that I did not authorize, including two XXXX XXXX XXXX accounts, a XXXXXXXX XXXX account, and numerous hard inquiries from financial institutions nationwide. These items were opened or reported without my knowledge, consent, or authorization and continue to damage my creditworthiness and reputation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), I have the right to have fraudulent information resulting from identity theft blocked and permanently removed from my credit file. Despite previous disputes and submissions, these fraudulent accounts and inquiries remain or have reappeared, violating my rights under federal law.

Furthermore, in accordance with federal regulations, the credit reporting agencies and furnishers are required to act within four ( 4 ) business days of receiving proper identity theft documentation to block and delete fraudulent information. I am demanding strict adherence to this statutory deadline.

In addition, any flags, consumer alerts, fraud alerts, or other notations that imply I am a credit or fraud risk must be immediately removed. Such notations unfairly prejudice potential lenders against me and could constitute defamation of character and related causes of action if not promptly corrected.

If compliance is not achieved within the four-day statutory period, I will consider this a willful violation of my rights under the FCRA and related consumer protection statutes, and I will pursue legal remedies to hold all parties accountable for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
I am submitting this complaint because the three major credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), regarding identity theft.

I previously submitted a full identity theft package, including a police report, FTC identity theft affidavit, copy of my drivers license, Social Security card, and proof of address. Despite this, the bureaus continue to report fraudulent inquiries, charge-offs, late payments, and inaccurate personal information tied to identity theft. By law, they were required to block and delete this information within four ( 4 ) business days of receiving my report, yet they have failed to act. 

Fraudulent or Inaccurate Items Still Reporting : Incorrect addresses and employers ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent/erroneous accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

This is not a standard disputeit is a legally supported identity theft case. The bureaus refusal to block and remove these items violates : 15 U.S.C. 1681c-2 : Failure to block information resulting from identity theft.

15 U.S.C. 1681g ( f ) : Failure to provide required disclosures to identity theft victims.

15 U.S.C. 1681s-2 ( a ) ( 6 ) : Continuing to furnish information known to be the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company has been calling be at XXXX over and over again from different numbers leaving voice mails and it gets full and they call after XXXX and they call from different numbers over and over again and I have XXXX XXXX XXXX and and irregular XXXX rate and ever time they call it makes it go up and its affecting my health..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from Figure Lending stating that my account is severely delinquent and that they are preparing to charge it off. The notice falsely claims that Figure has attempted to contact me and offered a repayment plan neither of which is true. 
Since filing my original CFPB complaints on XX/XX/year> ( Complaint XXXX : XXXX & XXXX ) and a follow-up on XX/XX/year> ( Complaint XXXX : XXXX & XXXX ), Figure has not contacted me with any repayment options, settlement offers, or responses to my dispute. 
This XX/XX/XXXX email is the first communication Ive received since those filings and it appears retaliatory. It makes no mention of my open disputes or complaints and instead escalates the situation toward charge-off without any attempt at investigation or resolution. 
The letter also directs me to contact their debt collection partner, despite the following : The account is actively under dispute ; The tradeline has not been updated to reflect transferred, sold, or closed ; There has been no good faith effort to negotiate or communicate. 
I request that the CFPB investigate potential violations, including : FCRA 1681s2 ( b ) : Failure to properly investigate a disputed tradeline before continuing to report ; FDCPA : Possible violation for transferring or assigning a debt during an unresolved dispute without proper notification or account update ; Retaliatory conduct in response to my lawful dispute filing ; False written statements, including fabricated claims of contact and plan offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, KY XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX RE : Cease and Desist of Communication To Whom It XXXX Concern : I am formally requesting that Midland Credit Management , Inc. immediately cease and desist all communication with me regarding any alleged debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the legal right to request that a debt collector stop all communication with me. Once you receive this letter, you may only contact me to confirm that you will cease communication or to notify me of specific legal action being taken.

I demand that you immediately stop all phone calls, letters, emails, or any other form of contact with me, my family, or my place of employment regarding this matter.

Failure to comply with this request will be considered a violation of the FDCPA and may result in legal action being taken against your company. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: WI

Complaint narrative:
VANCE AND HUFFMAN LLC has violated my rights I never received written notification about this fraud debt of {$3500.00} I would had disputed the debt if VANCE AND HUFFMAN would had provided the proper notification. VANCE AND HUFFMAN LLC violated another right of mines by making false statements trying to collect {$3500.00} I do not owe VANCE AND HUFFMAN LLC. VANCE AND HUFFMAN LLC is in violation of the FDCPA for violating my privacy rights by accessing my consumer report damaging my score and effecting my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
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 XXXXXX/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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX XXXX XXXX XX/XX/XXXX RE : Investigation Request to Delete Credit Inquiries To whom it may concern, In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Act ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX XXXX XXXX XXXX INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX Inquiry Date-XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE XXXX Date- XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Inquiry Date- XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX MI XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX Inquiry Date- XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX Pursuant to FCRA 1681 under reinvestigation procedures, you are allowed 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results. I am asking that you verify the account directly with the source of the information. If the account is verified, I require that you provide me the mode and method of communication and verification you received from the furnisher Truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following account were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct unverifiable data. 
XXXX XXXXXXXX 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 2025-08-27 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: MD

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation