vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PortfolioRecoveryAssociates, XXXX, XXXX XXXX Re : Account XXXX Dear Sir or Madam : I am writing to dispute the abovereferenced collection account and to request full validation and corrective action under the FairCreditReportingAct ( FCRA ) and related laws.

Basis of Dispute * I have identified conflicting information regarding the balance and the delinquency date ( s ) on this account. Accordingly, the accuracy of your reporting is in question, in violation of FCRA 607 ( b ) ( duty of furnishers to provide accurate information ).

* I have not received documentation from you establishing that you own or have the right to collect this debt ( such as the original creditor contract, the chain of assignment, or proof of purchase of the debt ).

* Under FCRA 623 ( a ) ( 3 ), once I dispute the information, you must report to each consumer reporting agency ( CRA ) that the information is disputed and conduct an investigation. Under FCRA 611 ( a ), you must investigate and either correct or delete inaccurate or unverifiable information.

* Until you can validate the debt, you must cease furnishing the account to all credit reporting agencies and cease further collection efforts.

Request for Validation Please provide me, in writing, within the timeframe required by law : 1. The name of the original creditor.

2. The date of first delinquency ( DoFD ) of this debt.

3. A full itemization of the amount claimed, including how the balance was calculated, any interest, fees, or other charges being claimed.

4. A copy of the contract or agreement that I signed which obligates me to pay the debt.

5. The full chain of assignment or documentation of debt purchase showing your legal right to collect this debt.

Request for Deletion or Corrections If you can not provide the documentation required above, I request that you : * Delete the account entirely from my credit reports at all CRAs.

* Notify the CRAs that the item has been deleted or corrected.

* Confirm in writing to me that you have taken the above action.

Other Requirements Please send your response to the address at the top of this letter. Also be advised that I am keeping copies of all correspondence, recordings of dates sent, and returnreceipts. If you continue to report this account without validation, I reserve the right to pursue all legal remedies under the FCRA, the Fair Debt CollectionPractices Act ( FDCPA ), and any applicable state laws.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
The Consumer Financial Protection Bureaus recent enforcement actions demonstrate the consequences of sham investigations and non-compliance. Your continued inaction places Equifax Inc at comparable legal risk and perpetuates irreparable harm to my creditworthiness, financial stability, and personal well-being. The following unauthorized accounts, all traceable to the XXXX  and Equifax Breach, remain on my credit report despite repeated disputes and supporting documentation : XXXX. XXXX XXXX  : Balance : {$2000.00} : Date Fraud Begun : XX/XX/year> XXXX. XXXX XXXX : {$1200.00} : Date Fraud Begun : UNKNOWN The presence of the inaccuracy due to Equifax and XXXX Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Equifax has rereported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about Equifax compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX - Balance : {$700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Bankruptcy - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have experienced great hardships over the last 7 months. 4 close family deaths, My wife has been diagnosed with a XXXX XXXXXXXX, and I myself have been hospitalized with XXXX XXXX and will receive XXXX XXXX XXXX soon. I am financially sound but have been neglecting all financial obligations due to grief and stress. I am not certain if I am late on this months payment or also owe last month in addition. I simply want to sort this up, make a payment plan if I am behind and then begin AUTO Pay.

PHH won't allow me to log in, I have tried everything. They do not respond, The 4 telephone numbers that I have found all state that due to a technical issue Irepresentatives are not available.

I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter.

Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$26000.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$25000.00} Account name XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$38000.00} Account name XXXX XXXX XXXX XXXX XXXX  . 
Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I never authorized its creation or use. Attached are the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I received a notice from Shellpoint that my loss mitigation application was complete. Meanwhile, my attorney received notice from Shellpoints counsel that I was being offered a loan modification and that " to move forward with a modification, a down payment of {$3000.00} is required. However, despite numerous requests to obtain the actual terms of the loan modification, including proposed principal balance, interest rate, monthly payment amount, etc., Shellpoint has not sent me the actual terms. Therefore, it seems I am being put in the impossible position of being asked to accept an offer without any knowledge of the terms of the offer.

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 2025-10-20 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:
Please ensure that the disputed items are deleted as per 15 U.S. Code 1681g requirements.

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 2025-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Starmark Financial LLC
State: UT

Complaint narrative:
This company XXXX XXXX keeps calling my employment, I have told them to stop calling me at work that its against the law and the lady who calls every time, her name is XXXX XXXX. She has called my office on two occasions, the phone number she is calling is XXXX and I want it to stop. My employer doesn't allow creditors to call our office and they shouldn't be anyway. I also want them to stop calling my family members, which they keep doing as well. They have called my office on these dates : XX/XX/year> @ XXXX XXXX XXXX @ XXXX XXXX, XXXX @ XXXX XXXX and 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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I believe XXXX XXXX sold a pool of loans to an investor group XXXX XXXX XXXX without the correct paperwork. To compensate for their lack of proper documents the investment group XXXX signed the assignment of mortgage over to them selves, which is stealing and not allowed, and XXXX XXXXXXXX ( XXXX ) voids their attempted transfer from XXXX XXXX to Pretium cause XXXX XXXX never signed the assignment of mortgage. XXXX XXXX also never indorsed the note specifically to XXXX which is required with investors in Florida per XXXX ( XXXX ). XXXX 's lawyers XXXX and servicer Selene Finance are trying to skip over Florida law and collect on a debt that was XXXX XX/XX/year> and that does not have a valid XXXX against my house due to their forged assignment which Florida law voids their assignment ; and the many breaks in the chain of transfers where their assignment therefore does not relate back to the original mortgage. So XXXX tried to transfer the debt after discharge in XX/XX/year> to XXXX. You can not transfer something you do not own and XXXX XXXX XXXX  XXXX ) voided their transfer so they have no mortgage or note. Because they don't have standing in court to collect they threatened me with a motion for summary judgment and a promise to offer an alternative to foreclosure if I signed the consent judgment. Once they got the consent judgment they failed to offer any alternative to foreclosure. Your classic bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXXnc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-20 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: IL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-20 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: IL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

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 2025-10-20 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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 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 ( XXXX ) 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 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 2025-10-20 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 bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
I am filing this complaint because [ XXXX XXXX XXXX  XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX INQUIRIES : XXXX XXXX XX/XX/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