vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding PORTFOLIO RECOVERY in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Kansas Without proof of ownership or a chain of title, PORTFOLIO RECOVERY has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information. 

I am requesting the following : XXXX. Immediate deletion of any credit reporting related to this account. 

XXXX. Cessation of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into PORTFOLIO RECOVERY 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : PORTFOLIO RECOVERY Original Creditor : XXXX XXXX  Alleged Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/year> I recieved, by mail, a credit card issued by XXXX XXXX. The card is for a CASH APP account that I did not open and have no knowledge about. According to a XXXX XXXX  others have had this happen. In the thread XXXX XXXX  and CASH APP required their personal info to look into the suspected fraud. Then they told the XXXX  they would not be made aware of the results of the investigation because the XXXX  was not a customer and they would not want to share the account holder 's information with anyone. The issues others have had in dealing with these companies compelled me to skip reaching out to them directly. It was also stated they we're very dismissive of the callers. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NC

Complaint narrative:
I am submitting this complaint to request a credit freeze with all XXXX  major credit reporting agencies. I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
This is my XXXX  formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX  score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Debt from XXXX was paid off to another collection company and this bill was not authorised by me and it sits under my name XXXX XXXX XXXX XXXX BALANCE {$440.00} Last payment date XX/XX/year> 2022

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX  - XX/XX/year> 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 2025-10-27 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: VA

Complaint narrative:
This is my XXXX formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
I was unable to speak with a customer service representative on XX/XX/XXXX. I called XXXX at XXXX and XXXX. The wait time was XXXX minutes and XXXX minutes. 

Originally XXXX loans were with XXXX XXXX XXXX XXXX XXXX, I. 

The following are the total aid amounts while at XXXX XXXX. 
Reference XXXX  ID XXXX. 

The loan periods were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The amounts were XXXX, XXXX, and XXXX. 

This is a total amount of aid for XXXX. 

The total amount was paid off for XXXX XXXX XXXX XXXX XXXX, I. 

These loans were all listed with dates and breakdown amounts. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The total amount of aid was consolidated and moved under the XXXX XXXX XXXX XXXX of the State of Missouri, or MOHELA section. 

This amount listed the total amount of aid as XXXX for the consolidation or total amount disbursed. There is no breakdown data available for the XXXX  Consolidation under this servicer. 

There are differences in the total amount of disbursements for this consolidation. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I referenced my XXXX XXXX workbook total aid as a gauge. 

For Fall XXXX to XXXX XXXX, the total aid for tuition and book advancements was XXXX. 

For Fall XXXX to XXXX XXXX, the total aid for tuition and book advancements was XXXX. 
( No book advancements listed for summer XXXX in my XXXX XXXX  invoice breakdown XXXX XXXXXXXX. ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Can you explain why the carryover total aid amount from XXXX XXXX XXXX XXXX XXXX I for XXXX was different from the XXXX XXXX XXXX XXXX of the State of Missouri, or MOHELA for XXXX? 

I am asking XXXX XXXX, because there is a XXXX XXXX XXXX ID. I thought maybe you consolidated this XXXX XXXX loan? 


I have attached the images from my XXXX XXXX breakdown records from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MO

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Subject : Formal Re-Dispute and Demand for Removal of Unverified and Reinserted Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally re-dispute information on my credit report and to request that your agency comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding the accuracy, verification, and reinsertion of disputed items.

Over the past several months, I have submitted multiple disputes regarding inaccurate or unverifiable information appearing on my credit report. While I have received Closed with explanation responses, I have not received any actual proof of verification or clear explanation addressing my concerns. Furthermore : My credit score has continued to decline even though all of my payment history is positive or neutral. 

A XXXX inquiry that was previously deleted has been reinserted without notice or documentation of permissible purpose. 

Your bureau has claimed to have mailed results that I never received, and no supporting evidence or verification documents were provided. 

Some explanations referenced potential identity theft, which is inaccurate I have confirmed that no fraudulent activity has occurred. 

Under the FCRA : If an item can not be verified, it must be deleted or corrected ( FCRA 611 ( a ) ( 5 ) ).

If deleted information is reinserted, you must provide written notice within XXXX business days identifying the source ( FCRA 611 ( a ) ( 5 ) ( B ) ). 

I also have the right to request the method of verification used to confirm disputed information ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ).

Accordingly, I am demanding the following actions : Immediate deletion of any unverifiable or reinserted items, including the previously deleted XXXX  inquiry. 

A complete reinvestigation of all disputed items with documentation from the original source confirming accuracy and permissible purpose. 

Written confirmation once the reinvestigation is complete, including copies of verification materials used in the process. 

Removal of any unverifiable personal information ( addresses, names, or accounts ) still being reported inaccurately. 

If your bureau can not verify the accuracy of these items through documentation within the time required by law ( generally XXXX  days ), they must be deleted immediately as required by federal law. 

Thank you for your attention and prompt compliance. Please send a written response to my mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am submitting this complaint to request a credit freeze with all XXXX  major credit reporting agencies. I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
See attached for date and amount. 

XXXX is only info I have. I called XXXX  times and each time agent refused to give me any info and they tell me their system is down, however they're updating the system notes. This is a scam I never signed up for and XXXX refuses to help and claims they can not dispute. Please help me

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL XXXXEquifax Information Services, LLCXXXXP.O. Box XXXX GA XXXXSubject: Dispute of Inaccurate Information on My Credit ReportXXXXDear Equifax,XXXXI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.XXXXDisputed Account Details:XXXX1.XXXXXXXX XXXX XXXX XXXX XXXX2.XXXXXXXX XXXX  A XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, includingXXXXCopy of IDXXXXSSNXXXXProof of AddressXXXXAccording to the FCRA, you are required to investigate my dispute within XXXX  days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.XXXXRequest for Action:XXXX1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.XXXX2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within XXXX  (XXXX) business days, and a final resolution within the legally mandated timeframe.XXXX3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all XXXX  credit bureaus so they can update my report accordingly.XXXXFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.XXXXLegal Notice:XXXXPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.XXXXThank you for your prompt attention to this matter. Please send any responses or updates to [Your Address/Email].XXXXSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: ID

Complaint narrative:
True Accord ( XXXX XXXX ) has been sending emails to my adult child that discloses personal, private, and confidential information about a debt.The information includes an account number, dates, amounts owed, interest, payments, total amounts due, when the account went into default, when it was charged off. 

Emails were sent to my adult daughter on XX/XX/year>, XX/XX/year>, and XX/XX/year> It is illegal under the Fair Debt Collection Practices Act for any of this information to be divulged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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