vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Supplemental Addendum to CFPB Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX RE : Continued Reporting of Unvalidated Debt by Portfolio Recovery Associates and Experian To Whom It May Concern, This letter serves as a formal update to my complaint filed on XX/XX/XXXX, against Portfolio Recovery Associates , LLC ( PRA ) and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

As of XX/XX/XXXX, Experian continues to report the alleged debt under account number XXXX with the following updated details : - Balance : {$1600.00} - Status : Collection account, past due as of XX/XX/XXXX - Original balance : {$1600.00} - Opened date : XX/XX/XXXX - On record until : XX/XX/XXXX - Payment history : Collection status reported from XX/XX/XXXX through XX/XX/XXXX This update reaffirms that Experian and Portfolio Recovery Associates have continued to report the debt as valid, despite having failed to provide legal validation as requested under the FDCPA and FCRA. As previously stated, PRA has not supplied any assignment contract or itemized documentation to prove ownership or accuracy of this debt. 

Additional Legal Concerns Based on the XX/XX/XXXX Update : 1. Violation of FCRA 1681e ( b ) : - Experian is continuing to report this account as a verified collection despite the absence of documentation establishing PRAs legal right to collect.

2. Violation of FCRA 1681i ( a ) : - The reinvestigation of my dispute was inadequate, as the account remains unchanged and incorrectly verified without any substantive evidence.

3. Violation of FDCPA 1692g ( b ) : - PRA is actively reporting and attempting to collect on a debt that remains unvalidated after a formal disputecontrary to legal requirements.

4. Violation of FDCPA 1692e ( 8 ) : - By furnishing this information to Experian while it remains disputed and unsubstantiated, PRA continues to supply misleading information about my account status.

Requested Action : I respectfully reiterate my request for the CFPB to take the following actions : - Compel PRA to provide the assignment contract and full documentation or delete the account entirely.

- Direct Experian to remove the collection account unless legal validation is presented.

- Ensure both parties are held accountable for these ongoing violations of federal consumer protection laws.

This continued reporting is materially damaging to my credit and financial well-being and violates my rights under federal law. 

Please find attached a copy of the XX/XX/XXXX, Experian update for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX INQUIRIES XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$370.00} I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings.

There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$370.00} I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings.

There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
Re : Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 


Accounts in Dispute : # XXXX Dept of EdXXXX XXXX {$3500.00} Dept of EdXXXX XXXX {$6000.00} Dept of EdXXXX XXXX {$3500.00} Dept of EdXXXX XXXX {$6000.00} Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 
XXXX XXXX XXXX  Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans. 
2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 
Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action. 
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 2025-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 


Accounts in Dispute : # XXXX Dept of EdXXXX XXXX {$3500.00} Dept of EdXXXX XXXX {$6000.00} Dept of EdXXXX XXXX {$3500.00} Dept of EdXXXX XXXX {$6000.00} Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 
XXXX XXXX XXXX  Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans. 
2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 
Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/year> US BANK received the title from XXXX ON XX/XX/year> US BANK employee XXXX from titling told me the title went in the mail on XX/XX/year>. She confirmed it was the hard copy title sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA On XX/XX/year> US BANK employee XXXX from XXXX release/titling told XXXX XXXX XXXX XXXX XXXX was not sent but could be overnighted with a UPS or FedEx account number. 
On XX/XX/year> US BANK employee XXXX told me the title was still in the titling office, but she could not physically check on it because she worked from home. I spoke with a manager XXXX XXXX he also could not physically check on it or call because he worked from home. He did not have any number or anyway to contact the title department, neither of them could get me an overnight shipping without my own XXXX or XXXX  XXXX account #. At XXXX I spoke with a second XXXX XXXX who took the XXXX account #. She also worked from home and could not verify where the title was.

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 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I am writing to formally dispute the accuracy of a Credence Rm collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Credence RM would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I'm writing with genuine frustration and urgency regarding an account that continues appearing on my credit report despite the fact that it has nothing to do with me.

Heres the background : back in XXXX, my family and I went to the XXXX XXXX Basketball Tournament ( XXXX XXXX  ), a tradition weve loved for years. It was crowded, exciting, chaotic in the best way but unfortunately, during the event, my wallet was stolen. At first, I didnt even realize it was gone. I thought I mightve handed it off to my wife, but when she said she didnt have it, I assumed I just misplaced it. It wasnt until later that I realized it had been stolen, and worse used by someone else to commit identity theft. 

Since then, Ive taken all the proper steps I placed fraud alerts, I froze my credit, and Ive been using XXXX ID monitoring services ( which I can provide documentation for ). But Im still dealing with the aftermath.

One of the fraudulent accounts thats still being reported is from XXXX, opened on XX/XX/XXXX, with a balance of {$7900.00}. This account was not opened by me, and I have no connection to it. When I contacted XXXX, they confirmed that the account went unpaid and that the items were repossessed clear signs that this was not my doing. 
Ive sent multiple letters to Equifax and TransUnion explaining the situation, and I havent received a single response. It honestly feels like Im being completely ignored, and its incredibly frustrating when Im doing everything right to fix something I didnt even cause. These agencies are supposed to investigate and help protect consumers in exactly these kinds of situations and right now, theyre not doing that.

Ive also spoken with my lawyer, who confirmed that I have every legal right to demand this account be deleted from my credit file.

Please understand Im just trying to clear my name. I never opened or used this account, and I shouldnt be held responsible for someone elses criminal activity. Im kindly asking for your help to make this right. If you need any further information or documentation from m
e, Ill gladly provide it. You can reach me by phone or email at your convenience. 



Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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