vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
Student loan was in a late status on my transunion and experian report. Student loan is in deferment until 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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally dispute debt collection items which appeared on my credit reports without any prior notice. I have never registered for or used any credit card from these providers. I do not owe this debt, and I have strong reason to believe it may have been assigned to me in error or due to identity theft. I only became aware of this alleged debt when I noticed it being reported by debt collectors on my credit reports in XX/XX/year> but failed to report to CFPB due to my health problems. Since then, this derogatory mark has caused significant emotional and stress, including a lowered credit score and difficulty in obtaining approvals for housing and credit. I never received any bills, statements, or correspondence about this debt prior to it being reported. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires that consumers be notified and given the opportunity to validate or dispute debts before they are reported to credit bureaus. I am requesting the CFPB to investigate this matter and instruct the debt collectors involved to : Provide full validation of the alleged debt ( including signed agreements with wet signatures or service logs with my information ). Cease all collection activities until the debt is fully validated. Remove this invalid debt from all credit reporting agencies if they can not prove its legitimacy. I also request that all communication be made in writing and that no further harm be caused to my credit file until this matter is resolved. Thank you for your assistance in this urgent and unfair situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
To the Legal Department and Dispute Resolution Division : I am sending this final demand for the immediate deletion and reinvestigation of multiple fraudulent and unverified accounts, as well as unauthorized hard inquiries on my Equifax credit report. 

These accounts and inquiries have been repeatedly disputed, most recently through CFPB complaints filed more than XXXX  days have now passed, and Equifax has failed to complete its reinvestigation and has not provided a lawful response, which is a clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), requiring a response within XXXX  days. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never applied for credit with these entities and did not authorize these inquiries. These entries were submitted without my consent and Equifax has not disclosed any permissible purpose or supporting documentation under FCRA 1681b.

Legal Failures and Violations : Equifax has violated the following statutes and standards : 15 U.S.C. 1681i Failure to complete a reinvestigation within 30 days ; 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy ; 15 U.S.C. 1681g Failure to disclose the method and sources of verification ; 15 U.S.C. 1681b No permissible purpose for the inquiries ; FDCPA 809 ( b ) Failure to validate debt upon request ; Metro 2 guidelines Improper formatting, outdated statuses, and compliance coding errors. 

I have also filed an FTC fraud report ( # XXXX ), which is attached to my CFPB complaints listed above. Equifax has refused or neglected to provide any verification, and continues to furnish and reverify inaccurate information, likely using automated systems without human investigation, as identified in recent CFPB enforcement actions and lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RAS LaVrar, LLC
State: VA

Complaint narrative:
The XXXX : RAS LaVrar, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Florida XXXX Received a letter from the above company XX/XX/year>. Amount of debt : {$4700.00}. 
They are attempting to collect a debt for XXXX XXXX XXXX XXXX 

I called XX/XX/year> & XX/XX/year> and went in person to their local office XX/XX/year> in XXXX  XXXX va and provided them with the documentation they asked for. After providing the documentation I was sent a letter dated XX/XX/year>. stating the debt is due and owing. 

I was involved in a Gift Card scam where the scammer instruct you to go to various XXXX XXXX and purchase GC 's to off set a charge on your credit card. The scammer opposed as customer service from my credit union. After coming through my laptop via face book as a virus and then to fix the virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, TransUnion XXXX XXXX XXXX XXXX, PA XXXX This document and all enclosed materials have been sent by me personally ( XXXX XXXX ). I am disputing information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681, and expect my dispute to be handled properly. 
Recent enforcement actions show a pattern of non-compliance among the credit bureaus : XXXX  ( XXXX ) Fined {$15.00} XXXX for improper dispute handling. 
XXXX  ( XXXX ) Found to have conducted fraudulent investigations by the CFPB. 
TransUnion ( XXXX ) Ordered to pay {$60.00} XXXX in a lawsuit over consumer mislabeling. 
To ensure my dispute is processed correctly, I request a written response sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX This document and all enclosed materials have been sent by me personally ( XXXX XXXX ). I trust that you will handle this matter lawfully. 
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 2025-06-23 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am writing to formally dispute debt collection items which appeared on my credit reports without any prior notice. I have never registered for or used any services from these providers. I do not owe this debt, and I have strong reason to believe it may have been assigned to me in error or due to identity theft. I only became aware of this alleged debt when I noticed it being reported by debt collectors on my credit reports in XX/XX/year> but failed to report to CFPB due to my health problems. Since then, this derogatory mark has caused significant emotional and stress, including a lowered credit score and difficulty in obtaining approvals for housing and credit. I never received any bills, statements, or correspondence about this debt prior to it being reported. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires that consumers be notified and given the opportunity to validate or dispute debts before they are reported to credit bureaus. I am requesting the CFPB to investigate this matter and instruct the debt collectors involved to : Provide full validation of the alleged debt ( including signed agreements or service logs with my information ). Cease all collection activities until the debt is fully validated. Remove this invalid debt from all credit reporting agencies if they can not prove its legitimacy. I also request that all communication be made in writing and that no further harm be caused to my credit file until this matter is resolved. Thank you for your assistance in this urgent and unfair situation

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company 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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Issue Summary : Bank of America is reporting inaccurate and conflicting information about my account to the credit bureaus. 
This account appears with different statuses, dates, and balances across TransUnion, Experian, and Equifax, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 611. 
Specific Issues : - TransUnion reports the account as 'Paid ', while Experian and Equifax report it as 'Charge-off ' or 'Derogatory '. 
- Last activity dates and payment details do not match across the bureaus. 
- High credit amounts are inconsistent. 
XXXX Bank of America verified the account without providing proper documentation or confirming with the original creditor. 
I formally requested a verification of the account and asked Bank of America to provide : XXXX. A copy of the original signed contract or credit application. 
XXXX. Full payment history with exact dates. 
XXXX. Explanation for the 'charge-off ' status. 
XXXX. Evidence that they verified all data before reporting it. 
To date, I have not received an adequate response. This violates my rights under the FCRA to accurate and verifiable information. 
If Bank of America can not properly verify this account, they must immediately delete it from all credit reports. 
Requested Resolution : XXXX. Cease negative reporting of the account while under investigation. 
XXXX. Provide full documentation as requested for proper verification. 
XXXX. Delete the account if full verification can not be provided. 
XXXX. Be held accountable for reporting incorrect and damaging information. 
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 2025-06-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have XXXX hard inquiries that I did not give permission nor did I authorize to be pulled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This complaint is for LVNV Funding which has a name change of XXXX XXXX XXXX Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX On XX/XX/year>, I sent a letter requesting Debt Validation with my signature that I conducted business with them and not that they obtained this from a third-party. They responded XX/XX/year>, with verbiage of, " we have concluded that our information is accurate ''. This is NOT what was asked for. This is a Failure to Validate the Debt ( FDCPA, 15 U.S.C. 1692g ). This collector is legally required to cease all collection activities, including reporting to the credit bureaus.

As of today, I have received no adequate response verifying the debt 's validity, origin, or a detailed breakdown of the amount owed. Yet the collection account remains reported to the credit bureaus, which constitutes a violation of the law. FCRA,15 U.S.C . 1681s-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
XXXX'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n  1681c-2) that you, the Experian credit reporting agency, block information\n appearing on my consumer credit report that is the result of identity theft and fraud\n within XXXX  business days of you receiving this complaint. The following items do not\n belong to me and is a result of fraud that I did not authorize:XXXX Also, would like to have all addresses and names REMOVED from my credit report,\n except\n for my only name and address listed below:\n Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request the immediate blocking and deletion of certain fraudulent accounts from my credit report, pursuant to my rights under federal law as a victim of identity theft and due to the data breach suffered by XXXX  in XXXX. As a result of this data breach, unauthorized individuals gained access to my personal information, including my Social Security number, date of birth, and other sensitive data. 
XXXX  XXXX XXXX XXXX : In XX/XX/XXXX, XXXX announced a data breach that exposed the personal information of over XXXX XXXX people, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers and credit card details. The breach was a direct violation of the companys duty to protect the personal information of consumers and subjected millions of individuals, including myself, to the risk of identity theft.

As a result of this breach, I have been a victim of identity theft, with fraudulent accounts being opened in my name without my consent. Under 15 U.S. Code 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have these fraudulent items blocked from my credit report.

Applicable Law : 15 U.S. Code 1681c-2 ( a ) According to this law, a consumer reporting agency such as Equifax is required to block the reporting of any information in a consumers credit file that th
e consumer identifies as a result of identity theft, provided the consumer submits : 1. Proof of identity 2. A copy of an identity theft report ; 3. Identification of the fraudulent information ; 4. A statement that the information is not related to any transaction by consumer. Proof of identity ; A copy of an identity theft report ; Identification of the fraudulent information ; and the compliance with this legal requirement, I am providing : fraudulent proof of my identity ( enclosed ). A copy of my identity theft report ( enclosed ). A list of the fraudulent accounts ( provided below ). A statement affirming that these accounts were not authorized by me and are The following accounts were opened without my consent and must be blocked and permanently deleted from my credit report : 15 U.S. Code 1681c-2 ( a ) Obligation to Remove Fraudulent Information 15 U.S. Code 1681s-2 ( a ) ( 6 ) Duty to Block Identity Theft-Related Information 15 U.S. Code 1681e ( b ) Duty to Maintain Maximum Accuracy 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Requirement for a Reasonable Investigation 15 U.S. Code

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 2025-06-23 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: TX

Complaint narrative:
Im writing to demand immediate action regarding an account that has been incorrectly included in my credit report. This account does not belong to me. It is very clearly a case of mixed credit file information, and somehow, someone elses account has been wrongly linked to my personal credit history.

Let me be crystal clear : This is not my account. I did not open it, I have no association with it, and it should never have been connected to my credit profile in the first place. The presence of this account on my report is inaccurate, misleading, and completely unacceptable.

Company response to consumer: Closed with explanation