vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I discovered multiple inquiries that I didnt authorize nor recognize.

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 2025-04-18 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Report incorrect information such as name address employment history, email

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 2025-04-18 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: MI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Date Opened : XX/XX/year> Balance Owed : {$710.00} -XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/year> Balance Owed : {$1800.00} Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Date Opened : XX/XX/year> Balance Owed : {$710.00} -XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/year> Balance Owed : {$1800.00} Chargeoff

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 2025-04-18 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX section XXXX A states I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing multiple inaccuracies in my TransUnion credit report that misrepresent my financial history and violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The report contains erroneous data for several accounts, including a collection account ( XXXX, {$9000.00} owed ), a closed auto loan ( XXXX XXXX XXXX reported with inaccurate delinquency history ), and multiple XXXX  education loans ( balances ranging from {$2600.00} to {$15000.00} ). These accounts reflect incorrect payment statuses, past due amounts, and delinquency histories ( e.g., XXXX and XXXX delinquencies ) that do not align with my records. 

Issues Identified : Inaccurate account details, including balances, payment statuses, and delinquency records, which misrepresent my financial trustworthiness. 



Failure to adhere to Metro 2 reporting standards, undermining the precision and timeliness required by law. 



Lack of verification for disputed entries, potentially warranting their removal from my credit report.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I contacted the company to express that they had incorrectly reported the auto loan account as late on my credit bureaus. I then submitted supporting documentation where it states the vehicle was sold back in XXXX of XXXX therefore the late payments reports for XXXX, XXXX needed to be removed. I submitted this information on XX/XX/XXXX. I can provide this proof if needed ( the car being sold in XXXX ). 
I have also contacted the credit bureaus and provided the same information and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I contacted the company to express that they had incorrectly reported the auto loan account as late on my credit bureaus. I then submitted supporting documentation where it states the vehicle was sold back in XXXX of XXXX therefore the late payments reports for XXXX, XXXX needed to be removed. I submitted this information on XX/XX/XXXX. I can provide this proof if needed ( the car being sold in XXXX ). 
I have also contacted the credit bureaus and provided the same information and nothing has been resolved.

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 2025-04-18 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: VA

Complaint narrative:
I contacted the company to express that they had incorrectly reported the auto loan account as late on my credit bureaus. I then submitted supporting documentation where it states the vehicle was sold back in XXXX of XXXX therefore the late payments reports for XXXX, XXXX needed to be removed. I submitted this information on XX/XX/XXXX. I can provide this proof if needed ( the car being sold in XXXX ). 
I have also contacted the credit bureaus and provided the same information and nothing has been resolved.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DailyPay, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I used Daily Pay a company at which you can retrieve your money earlier than pay day. I made an error in typing the account number and accidentally had a transaction amount of XXXX $ sent to another account and was due to past XX/XX/XXXX. The account is still registered to my bank but it is not my account, I attempted contact both my bank and Daily Pay for escalation but nothing could be done according to them. However there was no verification process when entering the account number to even verify if it was my account or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
This account is closed and reports a {$0.00} balance, yet the derogatory information is not consistently or accurately updated : Equifax ( last updated XX/XX/XXXX ) shows Not more than four payments past due and lists the worst delinquency as 30 days. 
TransUnion ( last updated XX/XX/XXXX ) reports 90 days past due with a worst delinquency of 90 days. 
Experian ( last updated XX/XX/XXXX ) states Paid account/was delinquent 90 days past due date with 90 days delinquent as the worst history. 

This inconsistent information violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) failure to reinvestigate disputed data properly, 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy.

I have disputed this account multiple times, yet no documentation has been provided to validate the derogatory history. I respectfully request that the CFPB investigate this matter and direct the credit bureaus to : Remove the inaccurate derogatory data if unverified, or Ensure consistent and accurate reporting across all agencies. 

This reporting is affecting my creditworthiness. Please confirm receipt and provide updates on the investigation.

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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING will remove the debt from my Credit report, and the next month, they will submit the debt again. According to 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy & 15 U.S.C. 1681g Full file disclosure ( which they have NOT provided. they continue to send OLD month statements.

I am writing about the paperwork I received from LVNV FUNDING seeking a DISCHARGE from the alleged debt, which the debt collector states I owe to them. I have no agreement with LVNV FUNDING LLC. I would like to provide the following explanation : PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVIDEME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : 1. A copy of the ORIGINAL PURCHASE AGREEMENT with my signature 2. Insurance claim of the debt & BILL OF SALE 3. The XXXX with the original creditor and does XXXX XXXX XXXX, XXXX .. 4. Do you have license in the state of XXXX  to collect on this debt as well as the arbitration clause according to 15 U.S.C SECTION 1692 G. 5. Why is this on my Credit Report, - - I am unaware of who this company is or who they are representing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: RI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: RI

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 2025-04-18 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: MI

Complaint narrative:
My income taxes were taken and debt was paid off at the courts. Should be removing from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
My income taxes were taken and debt was paid off at the courts. Should be removing from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
My income taxes were taken and debt was paid off at the courts. Should be removing from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Subject : Request for Block of Fraudulent Information Under 15 U.S.C. 1681c2 To Whom It May Concern, I am writing to formally dispute and request the immediate removal of several unauthorized and fraudulent accounts, inquiries, and personal information appearing on my credit report, pursuant to 15 U.S. Code 1681c2 of the Fair Credit Reporting Act. This law requires consumer reporting agencies to block information resulting from identity theft once proper documentation is provided. 

The following negative accounts and inquiries were not authorized by me, and I believe they are the result of identity theft : Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Status : {$110.00} Past Due XXXX XXXX Account Number : XXXX Status : Charged Off {$1100.00} Written Off and {$1100.00} Past Due XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Charged Off {$1200.00} Written Off and {$1200.00} Past Due XXXX XXXX  Account Number : XXXX Status : Charged Off {$9900.00} Written Off and {$12000.00} Past Due XXXX XXXX  Account Number : XXXX Status : Account Closed XXXX Late Payments XXXX Account Number : XXXX Status : Charged Off {$11000.00} Written Off and {$11000.00} Past Due XXXX Account Number : XXXX Status : Balance {$4200.00} Late Payments XXXX Account Number : XXXX Status : Balance {$4200.00} Late Payment Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition XXXX I request that any other names associated with my credit report be removed. The only correct and valid name that should appear is XXXX XXXX. 

Attached you will find the following documentation : A copy of my government-issued photo ID A copy of my credit report with the disputed accounts and inquiries clearly highlighted A copy of a police report ( or FTC Identity Theft Affidavit ) verifying the identity theft As required under 15 U.S.C. 1681c2, I am requesting that you block the reporting of all the above information from my credit report and confirm the completion of this process in writing. 

Please consider this a formal request and respond promptly. I expect the fraudulent items to be blocked from my credit report within the time frame established by federal law. 

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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I check my XXXX XXXX account on a periodic basis. 
I have noticed an increase of my collections debit, and my credit score dropped.

I also noticed that the company Portfolio Recovery added the name " Portfolio Recovery A. '' And added my collections debit, increasing my debit collections.

I have included name changes and additions to my account. 
I have included the changes to my credit score. 
I have included the different names with different as a new account on XX/XX/year>. 

I wounder how many company names are used by the same company by simply adding a single letter to the end of the name. 
Portfolio Recovery Portfolio Recovery A Portfolio Recovery B? 
Portfolio Recovery C? 

This is ridiculous, unlawful, and a real disgrace for Portfolio Recovery. 

I know this is a continued PROBLEM. I found this article in CFPB newroom : CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations.

Company response to consumer: Closed with explanation