vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the validity and enforceability of my federal student loan debt due to a significant breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and other applicable federal laws. Specifically, I request the immediate cancellation and forgiveness of my student loans due to the unauthorized access to the Department of Education data systems by XXXX ( XXXX-related activities ) facilitated through XXXX XXXX  XXXX entities. This breach exposed my personally identifiable information ( PII ) and violated statutory protections under FERPA ( 20 U.S.C 1232 ; 34 CFR Part 99 ), the Privacy Act of 1974 ( 5 U.S.C 552a ), and potentially the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ). My personally identifiable information ( PII ) was exposed due to unauthorized access through Department of Education systems potentially linked to DOGE-related cyber incidents involving XXXX XXXX  XXXX entities, constituting a data breach on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Your Name : ] Valencia Pierce [ Your Address : ] 1391 Broadway Ave East, McKeesport, PA 15035 [ Date of Birth : ] 11/13/1977 [ Last 4 of SSN : ] 6398 [ Date : ] 10/19/2025 To : Experian P.O. Box 4500, Allen, TX 75013 Equifax P.O. Box 740256, Atlanta, GA 30374 TransUnion P.O. Box 2000, Chester, PA 19016 Subject : Dispute of Inaccurate Credit Information Portfolio Recovery Associates ( balance 334 ) Dear Credit Bureau Representative, I am writing to dispute an entry on my credit report under the name Portfolio Recovery Associates, balance 334, which is listed with your bureau. I do not recognize this debt, and I affirm that I have never had any account with this company. I believe this item may be the result of identity theft or a reporting error.

Please investigate this item under the provisions of the Fair Credit Reporting Act ( FCRA ) and remove it if you can not verify it belongs to me. 
Details of the disputed account : Creditor : Portfolio Recovery Associates Status : Collection account ( as indicated on the report ) Dispute reason : I do not recognize the debt and did not authorize or incur it. 
Please give me a copy of the updated credit report once the investigation is complete, and notify me in writing of the outcome. I have enclosed copies of my identification ( e.g., drivers licence ) and proof of address ( utility bill/bank statement ) to verify my identity. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: DE

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 2025-10-19 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: TX

Complaint narrative:
Identity fraud was committed against me please remove all accounts

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 2025-10-19 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am writing to dispute inaccurate account information. Failure to provide accurate credit reporting, Failure to perform a reasonable investigation, Failure to provide proper debt validation documents : Proof of Ownership or Signed Contracts. I am demanding XXXX XXXX XXXX remove both accounts immediately. 
Under the XXXXXXXX XXXX XXXX 15 U.S.C. 1681g I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified, send me copies of the documents that you have in your files that were used to verify the Hard Inquiries.

If you do not have any documentation in your files to verify the Hard Inquiries, and accuracy of this disputed Hard Inquiries, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15U.S.C. 1681i, all unverified accounts information must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within XXXX  days of receipt. Of this letter then you must remove the Hard Inquiries from my credit report. 
Under the Fair Credit Reporting Act, consumer reporting agencies must ensure that all account information is accurate and fair. Please re-investigate and remove all accounts that can not be verified. I have provided attachments clearly identifying the inaccuracies on XXXX XXXX and XXXX  credit reports. 
Requested remedy : I am requesting that XXXX XXXX XXXX provide the documents listed below or inaccurate information be removed immediately from all credit reporting agencies. 
XXXX. Proof of Ownership XXXX. Bill of Sale or Assignment Contract Please complete your re-investigation within the statutory period and mail an updated copy of my credit report to the address above. If your re-investigation finds that any of the above validating information is inaccurate you are required to remove this account for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused me great emotional strain and sleepless nights. I have submitted all required documentation and kindly request its removal at once.

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 2025-10-19 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: GA

Complaint narrative:
This account was charged off on the following date XX/XX/year> Since then the account has been repeatedly updated as charged off every month. 
This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account Account Name XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I had my chime account phone att account cash app account and my XXXX account hacked they used my card online for 15 transactions I disputed the denied my claim. I did not authorize any transactions that I claim to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Credit Bureau Reinvestigation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Equifax Subject : Reinvestigation Request XXXX XXXX XXXX Account Ending XXXX Dear Equifax, This is a formal dispute and reinvestigation request under 15 U.S.C. 1681i regarding the accuracy of reporting for XXXX XXXX XXXX, account ending XXXX. 
XXXX XXXX XXXX has failed to verify or provide documentation supporting the repossession and alleged deficiency balance of {$9900.00}. Their response dated XX/XX/XXXX included no proof of sale, auction documentation, or post-sale accounting as required by UCC 9-6109-616.

Because the furnisher has not provided evidence substantiating this account, its continued reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) and must be deleted immediately under 1681i ( a ) ( 5 ).

Please conduct a full reinvestigation and provide written confirmation of the results. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and request immediate correction of an error that appears on my credit report related to my XXXX XXXX XXXX XXXX XXXX account. 

According to my records, the vehicle lease was returned to the dealer " XXXX XXXX '' at the end of the lease term, and I have written confirmation of the successful return ( attached info ). At the time of the return, no payment or balance was due. Despite this, I just noticed, the account has been reported to the credit bureaus with an unpaid balance of {$5200.00}, and it has been subsequently charged off. 

This is both incorrect and unjustified for the following reasons : 1. I have no knowledge of any outstanding balance or charges related to this lease.

2. I have not received any mail, phone call, email, or other communication from XXXX XXXX XXXX XXXX informing me of a past-due amount.

3. This alleged balance has been reported to my personal credit, causing significant harm to my credit score and reputation. 

I request that XXXX XXXX XXXX XXXX immediately investigate this matter, provide a detailed explanation and documentation of the alleged balance, and update all credit bureaus to remove the incorrect charge-off entry from my credit report. If there is in fact a balance, provide me with all details for my review via email at XXXX. In the meantime, I demand that all XXXX credit bureaus get updated to reflect " no unpaid balance '' or " charge off '' until I receive these documents, have time to review and contact the lender to further discuss. The document must also contain a payment due date in the future. 

Please provide a written response regarding the steps being taken to resolve this issue.

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 2025-10-19 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: FL

Complaint narrative:
I am writing to formally dispute and request immediate correction of an error that appears on my credit report related to my XXXX XXXX XXXX XXXX XXXX account. 

According to my records, the vehicle lease was returned to the dealer " XXXX XXXX '' at the end of the lease term, and I have written confirmation of the successful return ( attached info ). At the time of the return, no payment or balance was due. Despite this, I just noticed, the account has been reported to the credit bureaus with an unpaid balance of {$5200.00}, and it has been subsequently charged off. 

This is both incorrect and unjustified for the following reasons : 1. I have no knowledge of any outstanding balance or charges related to this lease.

2. I have not received any mail, phone call, email, or other communication from XXXX XXXX XXXX XXXX informing me of a past-due amount. 
3. This alleged balance has been reported to my personal credit, causing significant harm to my credit score and reputation. 

I request that XXXX XXXX XXXX XXXX immediately investigate this matter, provide a detailed explanation and documentation of the alleged balance, and update all credit bureaus to remove the incorrect charge-off entry from my credit report. If there is in fact a balance, provide me with all details for my review via email at XXXX. In the meantime, I demand that all XXXX credit bureaus get updated to reflect " no unpaid balance '' or " charge off '' until I receive these documents, have time to review and contact the lender to further discuss. The document must also contain a payment due date in the future. 

Please provide a written response regarding the steps being taken to resolve this issue.

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 2025-10-19 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has filed this on my personal credit report. This is a business account that I never authorized to be opened under my social security number. I never authorized them to hold me personally responsible for a credit card opened for XXXX XXXX XXXX. They have no filed a judgement against me and ruined my personal credit. They only were supposed to use my social security number to verify I was human. My job was to call and open the account, the company XXXX was used to open the account and I need to have this corrected and changed. I am in the process of buying a house and I need to get this rectified 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 explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding an inaccurate rental collection reported on my credit. My former apartment complex sent me an email on XX/XX/year> stating I had until XX/XX/year> to pay my balance in full or set up a payment plan before the account would be sent to collections. Despite this, they sent my account to collections on XXXXonly XX/XX/XXXX day laterviolating their own written notice and denying me the opportunity to resolve the balance. 

The total amount placed for collection is {$1500.00}, which includes a {$360.00} carpet replacement charge. That charge is unfair, as it resulted from XXXX mold that grew in my carpet due to the complexs failure to fix a mold issue I repeatedly reported. Maintenance only came once and painted over the area instead of properly repairing it, then marked the issue as complete. 

I have written proof of the payment extension and text messages showing the unresolved maintenance issue. I am requesting that this collection be investigated and removed, as it contains inaccurate and unfair charges.

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 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX RE : Account # XXXX | Validation Request To Whom It May Concern, This letter is a formal dispute of the debt referenced above and a request for validation pursuant to 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

Under federal law, I request the following documentation : 1. Proof that I am legally obligated to pay this debt ( contract with my signature ).

2. Complete itemized breakdown of the amount you claim I owe.

3. Copy of assignment from the original creditor, proving you have legal authority to collect.

4. Name and address of the original creditor.

5. Proof this debt is within the statute of limitations.

6. Your companys license to collect debt in my state.

Until this information is provided : You must cease all collection activity, including reporting this debt to any credit bureau, per 15 USC 1692g ( b ).

Reporting unverified information is a violation of 15 USC 1692e ( 8 ).

Failure to comply will result in a formal complaint to the CFPB, FTC, State Attorney General, and possible civil action for damages under 15 USC 1692k.

You have 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XXXX XXXX someone sent me {$1300.00} and knew they were sending it to me. After the transaction was completed the person requested the money back and now I owe {$1300.00} that I dont have. I believe I was part of a scam and Venmo is not helping

Company response to consumer: Closed with non-monetary relief