vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates is reporting two collection accounts on my credit report for {$230.00} and {$850.00}. I requested verification of these debts under FDCPA 809 ( b ), but the collector failed to provide adequate documentation, including the original signed contract, chain of assignment, or evidence linking me to these debts. 

Despite my dispute, Portfolio Recovery continues to report the accounts as open, lists balances without verification, and does not flag the accounts as disputed, violating : FDCPA 809 ( b ) failure to validate debts after a certified dispute FDCPA 807 false or misleading representations of debt FDCPA 808 unfair or deceptive communication in connection with debt collection FCRA 611 ( a ) failure to conduct a reasonable reinvestigation of disputed items FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate or unverifiable information FCRA 623 ( a ) ( 3 ) failing to report items as disputed FCRA 1681s-2 ( b ) failing to correct or delete inaccurate information after notice of dispute The notation consumer disputes after resolution demonstrates that the reinvestigation was incomplete and insufficient. Reporting unverified debts as open harms my credit report and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am filing this complaint because my TransUnion credit report contains inaccurate and outdated charge-off accounts that do not reflect the true status or accuracy required under federal law. The following items are in dispute : XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2300.00} Both of these accounts are being reported as charge-offs despite being long past their valid reporting period and containing inaccurate balance information. I have not had any active or delinquent accounts with XXXX XXXX during this time, and there is no substantiating documentation confirming these alleged debts. I have previously disputed these entries directly with TransUnion, but the responses received were generic and failed to include any supporting verification from the furnisher. Simply marking an item as verified without producing evidence of accuracy or ownership does not fulfill the reasonable reinvestigation standard required by the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681s-2 and FCRA Section 623 ( a ), furnishers and credit reporting agencies are both obligated to ensure that all information reported is accurate, current, and fully verifiable. Continuing to display these charge-offs without proper validation constitutes negligent and willful noncompliance, as the FCRA does not allow obsolete or unverifiable derogatory information to remain on a consumers report. The inclusion of these items has materially damaged my creditworthiness, affected my ability to qualify for fair financing, and caused ongoing emotional stress from being misrepresented as financially irresponsible when I have met all obligations in good faith.

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 2025-11-05 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: CA

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple inquiries on my credit report that I never authorized. Specifically, the following inquiries are in question : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 

I have no existing accounts, prior applications, or established business relationships with any of these entities that would permit them to access my credit file. These inquiries were not initiated or approved by me in any form. As such, their appearance on my Equifax report is a direct violation of the permissible purpose clause outlined under the Fair Credit Reporting Act ( FCRA ). 

Equifax has a responsibility to ensure that only authorized parties with a legitimate purpose can access a consumers report. When I disputed these inquiries directly with Equifax, I received generic responses indicating that the inquiries were verified without any supporting documentation, consent forms, or evidence of a permissible purpose. This is not a reasonable reinvestigation as required by law, and it leaves me without clarity as to how or why these entities were able to access my sensitive credit information in the first place. 

I am extremely concerned that my personal data is being mishandled or accessed through possible internal data-sharing errors or third-party breaches. The fact that these inquiries appeared without my consent has caused me distress and diminished trust in Equifaxs ability to safeguard my private information. I should not have to constantly monitor my own report for unauthorized activity that the bureau should be preventing in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The payment history is incorrect or inaccurate. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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. 

Please remove this account from all my credit reports as soon as possible.

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 2025-11-05 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:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX  XXXX XXXX  XXXX XXXX Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX  XXXX XXXX  XXXX XXXX Therefore, the following accounts must be deleted from my report 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 non-monetary relief
Consumer complaint received 2025-11-05 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 disputing the following accounts reported by TransUnion, as I believe they may be inaccurate or incomplete. Please review the information and provide clarification. 

CHARGED OFF Account Name : 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 explanation
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I closed on my home with Freedom Mortgage on XX/XX/XXXX. The original loan amount was {$370000.00} with an interest rate of 6.25 %. Around XXXX or XX/XX/XXXX, I received a phone call offering a refinance at a 5.75 % interest rate. I asked if there was a catch and was told there wasnt, and that the process would require no money out of pocket. 

I explained that Im a first-time homeowner and not very familiar with how refinancing works. The representative continued the process and mentioned that a notary would come to my home for me to sign the new agreement. I was not aware that my loan amount would increase to {$380000.00}. It now feels as though all the payments I made from XX/XX/XXXX through XX/XX/XXXX were essentially wasted. 

I would like my original mortgage loan back.

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 2025-11-05 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: TX

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 2025-11-05 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: IL

Complaint narrative:
I see there's an amount for {$1100.00} from this Company on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
I am disputing the following charged-off accounts that are incorrectly reported on my TransUnion credit report : Charged Off 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

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 2025-11-05 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 writing to dispute the following information on my Experian credit report, as it contains inaccurate and incomplete data. 

Charged Off 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 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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had a last transaction on this account on XXXX XXXX, leaving the account with a null balance. This morning ( XXXX XXXX ) I get an email saying that my account had been closed, without prior notice. I called Citizens to make this right, and they reopened my account. 

However, I was no longer eligible for the checking account signup bonus they offered me initially. On the phone, they claim that because my account was closed and reopened, it is no longer eligible, even though I had fulfilled all criteria prior to the account being closed. 

They then showed me lengthy documentation that claims they have full discretion to close accounts, which I understand. But it is unfair to market a promotion that requires you to maintain your account open, for them then to close your account unilaterally and claim you are no longer eligible. 

If this were allowed, the promotion would mean nothing because Citizens could simply close everyones accounts as soon as they reach the eligibility criteria and then reopen them the next morning, rendering them ineligible. Effectively, that is what they are doing to me, under the excuse that there was little activity in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I discovered my Navy Federal debit card was missing and saw unauthorized transactions totaling {$330.00}. I immediately froze my card and reported the fraud the same day. Navy Federal denied my claim on XX/XX/year>, stating no error occurred. I appealed on XX/XX/year>, providing the requested date the card was lost and citing Regulation E protections. Despite this, they again denied reimbursement without explaining how the charge was deemed authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
Im writing because Ive been dealing with an ongoing issue with the credit bureaus that I just cant seem to get resolved. About XXXX years ago, I was discharged from bankruptcy, yet its still being reported on my credit file. This has been going on for almost XXXX  months. 
Ive sent countless letters to all three bureaus Experian, Equifax, and TransUnion, XXXX XXXX asking them to investigate and verify the accuracy of this bankruptcy listing. Every time, I either get a stall letter asking for more personal information to verify my identity, or they send me back a generic verified as accurate response without showing any actual proof of where or how they verified it. I've sent in more than enough documents to verify my identity. 
Because I wanted to get to the bottom of it, I reached out directly to XXXX XXXX XXXX office where my bankruptcy was filed. They confirmed in writing that they do not report any information to the credit bureaus. That means the bureaus are somehow pulling or publishing this data from another sourceone that isnt authorized or verified. 
This situation is frustrating, and I believe its a clear violation of my privacy and of the Fair Credit Reporting Act ( FCRA ), specifically the parts that require accurate reporting and proper reinvestigation when a consumer disputes an account. 
Ive done everything I can to resolve this directly with the credit bureaus, but they continue to send the same unhelpful responses and keep the inaccurate bankruptcy on my report. Its been over XXXX years since I was discharged, and this information is still hurting my credit. 
Im asking the CFPB to step in and look into this matter. Please hold the credit bureaus accountable for failing to conduct a real investigation and for continuing to publish inaccurate and unverified information. 
I can provide copies of all my letters, their responses, and the written statement from XXXX XXXX XXXX confirming that they dont report to credit bureaus.

Company response to consumer: Closed with explanation