vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Please take this as a formal request to have the following medical bills removed from my credit. I've tried over the last 4 years to explain to this company that I was covered under XXXX. This debt has continued to be reported on my credit. I provided my XXXX XXXX at the time of service. The debt is as follows : XXXX - Date Assigned - XX/XX/XXXX Total Balance is XXXX this is a medical bill Portfolio Recovery A Account XXXX Date Assigned XX/XX/XXXX Total Amount XXXX Both of these items are listed on my XX/XX/XXXXredit Report. I am requesting that these items be removed as this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
Experian is reporting a 30 day past due delinquency / late payment on my credit report. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account was closed on XX/XX/year> the balance was {$0.00} and last payment made on XX/XX/year> no past due amounts were recorded at closure XXXX XXXX XXXX XXXX XXXX XXXX  all reported this account as paid or paying as agreed. I disputed the inaccuracy with Experian and their response was it will remain on my credit report which is a violation. I the again contacted XXXX XXXX XXXX they said the account was paid in full with no delinquency and that they would send out a courtesy update letter out to all the credit bureaus to assist them on getting the inaccuracy corrected They also sent me a letter stating the actions they took concerning this matter

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
To Whom It May Concern, This letter serves as a formal Advanced Dispute Verification Challenge ( ADVC ) in regard to a collection account that has been removed from my credit report twiceand yet has reappeared due to repeated re-reporting by the collection agency.

Let me be absolutely clear : This repeated reinsertion of a previously deleted account without proper legal notice is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Collection Account Details ( Subject to Removal ) : Collection Agency : NCB MANAGEMENT SERVICE Original Creditor : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Dates Removed : XX/XX/year> Date Reinserted : XX/XX/year> ________________________________________ FCRA 1681i ( a ) ( 5 ) ( B ) Requires : If any information is deleted from a consumers file and is then reinserted in the file, the consumer reporting agency shall promptly notify the consumer in writing within 5 business days, and the furnisher must certify that the information is complete and accurate before reinsertion.

You failed to meet these legal requirements. I received no notification of the reinsertion, and no proof of revalidation has ever been provided.

________________________________________ My Demands : 1. Permanently delete this collection account from my Equifax credit report.

2. Do not allow this account to be reinserted again unless you receive and can provide : o Certified documentation verifying the full accuracy of the debt ; o Written notice to me within 5 business days of any reinsertion attempt ; o Full compliance with FCRA 1681i ( a ) ( 5 ) ( B ) and 1681i ( a ) ( 7 ).

3. Provide a detailed written explanation of your reinvestigation process, and a copy of any records used to verify this information.

Legal Consequences of Continued Noncompliance : If this account is not permanently removed, or is reinserted without proper documentation and notice again, I will pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Notify the Federal Trade Commission ( FTC ) and New York Attorney General ; Seek statutory and punitive damages through legal action under FCRA 1681n and 1681o for willful and/or negligent noncompliance.

I expect this matter to be resolved within 15 business days, and confirmation of permanent deletion to be sent to me in writing. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
: I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-10 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MD

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

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 2025-07-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXXXXXX  Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : Account Name : DEPTEDXXXX Type of disputed information : Education Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : Account Name : DEPTEDXXXX Type of disputed information : Education Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : Account Name : DEPTEDXXXX Type of disputed information : Education Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : Account Name : DEPTEDXXXX  Type of disputed information : Education Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 5 Account Number : Account Name : CXXXX  Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


HARD INQUIRIES Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  Thank you for your assistance Sincerely, 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 2025-07-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXXXXXX  Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : Account Name : DEPTEDXXXX Type of disputed information : Education Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : Account Name : DEPTEDXXXX Type of disputed information : Education Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : Account Name : DEPTEDXXXX Type of disputed information : Education Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : Account Name : DEPTEDXXXX  Type of disputed information : Education Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 5 Account Number : Account Name : CXXXX  Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


HARD INQUIRIES Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  Thank you for your assistance Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Requested debt validation letter for debt and has not received any thing per request via certified mail and calls requested this information regarding debt they are trying to collect on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, XXXX stopped reporting account information to the credit bureaus without notice. Given this was the largest and oldest revolving credit I had, my credit score dropped by about XXXX points. 

XXXX, XXXX did not adequality disclose why, have a solution or agree to start reporting again.

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 2025-07-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from MRSBPO in the amount of {$2400.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed. Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: OR

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 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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In XXXX I worked vigorously to fix my credit so I could purchase a car and home for my children. In XXXX I financed a vehicle with Credit Acceptance Corporation at a very high interest rate. I made on time payments every month, maintained insurance regularly, and had the vehicle maintained at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY. After COVID-19, my family informed me that me and my children had to move out. As a single mom and sole financial provider with no outside money coming in at all, I could not afford the car payment/insurance and rent or a mortgage. I refinanced the vehicle with XXXX XXXX XXXX ( XXXX ), but Credit Acceptance overvalued the vehicle so that XXXX rescinded their offer. I abided by the contract I signed with Credit Acceptance and voluntarily surrendered the vehicle since I could not longer afford the car. I cleaned it out, took pictures, and returned the vehicle in excellent condition. I received a letter months later from Credit Acceptance stating the car sold for less than half the blue book value at auction and I was being held financially responsible. I wrote them letter explaining the error. They had a law firm write me a letter claiming the cause for the car under selling at auction and I responded with photographic evidence taken on the day and at the time the car was being repossessed. This has been negatively impacting my life for 3 years. The trauma and financial abuse has caused difficulties including homelessness, resignation from my job at XXXX XXXX XXXX XXXX XXXX, the loss of family, animals, and life as we knew it. XXXX XXXX in the Compliance Department at Credit Acceptance Corporation admitted on a recorded line that if the vehicle I had financed sold for full blue book value at auction that it would have been reported as paid in full to the credit reporting companies. When I asked XXXX XXXX why I was being held financially responsible for damages to the vehicle I did not cause, she became angered and even told me she was putting me on a " time-out for 2 minutes, '' and did so. The treatment towards me and my children by Credit Acceptance Corporation has been beyond that of just financial abuse. Since their actions forced my family on to the XXXX XXXX, they have also negatively impacted New York State and the country as a whole. It is ironic the government talks about cutting spending, but allows multi-billion-dollar companies like Credit Acceptance Corporation to force people and families into poverty and onto welfare. The Credit Agenices, XXXX, XXXX, and XXXX  are not fairly investigating my complaint and refuse to hold Credit Acceptance Corporation accountable for what they did wrong.

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 monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
The estimated escrow activity for the period of XX/XX/XXXX through XX/XX/XXXX did not accurately reflect the actual property tax obligations, specifically regarding school and county taxation. As a result, the escrow account was overfunded, and I subsequently received a refund check. 

The estimated escrow activity for the period of XX/XX/XXXX through XX/XX/XXXX was then inaccurately calculated, resulting in a financial shortfall. Following the payment of school taxes in XX/XX/XXXX, the escrow account reflected a negative balance. I was not notified of this issue at any point, and the subsequent payment of county taxes further exacerbated the deficit. Moreover, monthly escrow account balances are neither included in account statements nor made available online, making it difficult to effectively monitor the account and identify discrepancies in a timely manner. The financial shortfall was only documented upon receipt of the XXXX escrow statement, which was issued after XX/XX/XXXX. 

Prosperity Bank is now attempting to recover the deficit, which has led to a substantial increase in my monthly mortgage payments. The new payment amount is unaffordable, and I am seriously concerned about the potential risk of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 non-monetary relief