vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Portfolio Recovery I am writing to formally dispute the validity of the alleged debt referenced as Account numbers XXXX, XXXX, XXXX, XXXX, XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Per 15 U.S.C. 1692g ( b ), you are required to verify the debt and provide sufficient documentation proving its validity. Additionally, under 12 CFR 1022.43, you must ensure the accuracy and integrity of information reported to credit bureaus. 

Legal Basis for Dispute and Deletion Request : Lack of Proper Validation According to the recent case XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ), failure to provide proper validation within the statutory time frame constitutes a violation. 

Inaccurate Reporting Under FCRA 15 U.S.C. 1681s-2 ( b ), if a debt is not properly validated, it must be removed from credit reports. 

Recent CFPB Guidance ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) has reinforced that debt collectors must provide substantial proof of the debts validity before reporting it to credit bureaus.

Statute of Limitations Expired If applicable, state-specific statutes of limitations may bar collection efforts and reporting. 

Given these regulations, I request : Immediate deletion of this debt from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Written proof of the debts validity, including signed agreements, billing statements, and chain of ownership. 

Cessation of all collection activities until validation is provided. 

Failure to comply will result in a formal complaint with the CFPB, FTC, and State Attorney Generals Office and potential legal action. 

Please respond within 30 days as required by law. If this debt can not be verified, you must cease reporting it per FCRA 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am writing to formally address a serious matter regarding the unauthorized access of my student loan information by agents of the XXXX  agency. This access was conducted without my prior knowledge or explicit consent, which constitutes a direct violation of the terms outlined in my student loan agreement. 

As stipulated in the contract, any access to or use of my personal and financial information must be conducted with my express permission. The actions taken by the XXXX agency have breached this agreement, rendering the contract null and void. 

I request immediate clarification on how this unauthorized access occurred, as well as a detailed explanation of the steps being taken to rectify this breach and prevent future occurrences. Furthermore, I expect a formal acknowledgment of this violation and a resolution in accordance with applicable laws and regulations. 

Please treat this matter with the urgency it warrants, and provide a response at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-15 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-15 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: CO

Complaint narrative:
Request for Certification of Accuracy of Information Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( XXXX, XXXX. XXXX. ) Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 Permissible Purpose : 15 USC 1681b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately. 

XXXX XXXX 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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My personal student loan information was accessed by XXXX XXXX and his DOGE team without my consent, violating the terms of my agreement when I accepted the student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a repossession on my credit file related to the auto loan account with XXXX XXXX, listed under account number XXXX on my credit report. This dispute is being filed in accordance with the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666b, which mandates creditors to investigate and correct billing errors in a timely manner.

Dispute Details : 1. Inaccurate Balance Reporting : The balance on my XXXX report is listed as {$0.00}, while TransUnion and XXXX both report a balance of {$10000.00}. 
If the account has been transferred or settled, it should reflect a {$0.00} balance across all bureaus.

2. Incorrect Payment Status : The account is marked as Repossession/Involuntary Repossession. However, the comments section also states that the merchandise was returned by the credit grantor, which indicates a voluntary surrender, not an involuntary repossession.

3. Failure to Provide Proper Notice ( 15 U.S. Code 1666b ) : I was not properly notified of the final balance and any deficiency before the repossession was reported.

If the lender failed to follow proper repossession procedures, the reporting of a deficiency balance may violate my rights under federal and state law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a repossession on my credit file related to the auto loan account with XXXX XXXX, listed under account number XXXX on my credit report. This dispute is being filed in accordance with the Fair Credit Billing Act ( XXXX ), 15 U.S. Code 1666b, which mandates creditors to investigate and correct billing errors in a timely manner. 

Dispute Details : XXXX. Inaccurate XXXX XXXX : The balance on my XXXX report is listed as {$0.00}, while XXXX and Equifax both report a balance of {$10000.00}. 
If the account has been transferred or settled, it should reflect a {$0.00} balance across all bureaus. 
2. Incorrect Payment Status : The account is marked as Repossession/Involuntary Repossession. However, the comments section also states that the merchandise was returned by the credit grantor, which indicates a voluntary surrender, not an involuntary repossession.

3. Failure to Provide Proper Notice ( 15 U.S. Code 1666b ) : I was not properly notified of the final balance and any deficiency before the repossession was reported. 
If the lender failed to follow proper repossession procedures, the reporting of a deficiency balance XXXX violate my rights under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NV

Complaint narrative:
XXXX reaching out because I discovered inquiries from your company on my credit report that I never approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

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 2025-03-16 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-14 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: LA

Complaint narrative:
To Whom It XXXX Concern, I am filing a formal dispute regarding an account reported by XXXX XXXX, account number XXXX, which appears on my credit report with a derogatory status, charge-off, and past-due balance of {$790.00}. This dispute is submitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which prohibits unfair or misleading debt collection and reporting practices.

Dispute Details : 1. Potential Inaccurate Reporting : The account was opened on XX/XX/XXXX, yet it is already marked as charged off and reported as a profit and loss write-off as of XX/XX/XXXX. 
A charge-off usually occurs after 180 days of delinquency for revolving accounts. The timeline suggests premature reporting, which violates 15 U.S.C. 1692e ( 8 ) ( misleading representation of debt ). 
2. Violation of 15 U.S.C. 1692g ( XXXX XXXX Rights ) : I have not received proper validation of this debt, including the original creditors breakdown of charges, proof of delinquency, and notice of my right to dispute. 
If this debt was transferred to a collection agency, I have not been properly informed, as required by law. 
3. Potential Violation of 15 U.S.C. 1692f ( Unfair Practices ) : The account was reported with a balance of {$790.00}, but no supporting documentation has been provided to justify the amount. 
If the balance includes unauthorized fees or interest, this could constitute an unfair collection practice.

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