vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am writing to file a formal complaint and request investigation regarding an account that appears on my credit report with Portfolio Recovery Associates , LLC in the amount of {$1100.00}. This account does * * not belong to me. It was fraudulently opened by a family member with the same name and is a direct result of identity theft. 

Although I made a few payments on this account, it was under false pretenses I was led to believe the account was legitimately mine. Upon further investigation, I have confirmed that the account is not associated with any debts or credit lines I opened or authorized. 

The account in question is approximately two years old and continues to appear on my credit reports, damaging my credit history and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under : 15 U.S.C. 1681c-2, which requires credit reporting agencies to block information resulting from identity theft once a consumer provides proof of identity theft.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers of information ( such as Portfolio Recovery Associates ) from reporting inaccurate or false information to credit bureaus ; and 15 U.S.C. 1681i, which requires credit reporting agencies to reinvestigate and correct inaccurate or incomplete information upon dispute.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ), it is illegal for a debt collector to falsely represent the character, amount, or legal status of any debt. Continuing to report or attempt to collect on a debt known to result from identity theft is a violation of federal law.

I respectfully request that the CFPB take immediate action to : 1. Investigate Portfolio Recovery Associates for improper reporting and collection of a fraudulent debt.

2. Require all credit reporting agencies to permanently delete the {$1100.00} Portfolio Recovery account from my credit report ; and 3. Ensure no further negative reporting or collection attempts are made on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: VA

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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing a late payment reported by Capital One that resulted from a payment processing error. On XX/XX/year>, I attempted to make my regular payment, but I accidentally used the wrong bank account number. The payment was returned, but I immediately corrected the issue and resubmitted the payment once I realized the mistake. 
I contacted Capital One and explained the situation, providing proof from my bank showing the returned transaction. Despite acknowledging that this was a keying error and not intentional delinquency, they stated they could not remove the late payment from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), I am requesting that Capital One update or remove the 30-day late payment, since the transaction error was corrected promptly and did not reflect my willingness or ability to pay. 
Please review the attached bank documentation and correspondence showing that I made a good-faith payment on time, but the wrong routing/account number caused the return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
I previously dispute this account with the credit bureaus under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C s 1681 ), but it still remains.The company or collection agency has not provided any proof or documentation verifying that I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AZ

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
Several days over last 2 weeks I have attempted to close my investment accounts with sofi bank and as you'll see on the screenshot I attached that I have XXXX withdrawal available and every time I try it says they are sorry they are having trouble with some states and I attached that as well. I called the customer service and chat several times and they told me no matter what it will always cost me XXXX to close the account. I was never told or read that. Even trying to get the XXXX out I can't and been trying over a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive identified late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be included in a consumer report. I am requesting a full verification of these entries, and if they can not be substantiated, they must be either updated or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: 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. 
Creditor Name : [ XXXX/DOFED ] Account Number : [ XXXX ] Creditor Name : [ XXXX/DOFED ] Account Number : [ XXXX ] Creditor Name : [ XXXXDOFED ] Account Number : [ XXXX ] Creditor Name : [ XXXX/DOFED ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the gra
ce period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: SC

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 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advantage Collection Professionals, Inc.
State: WI

Complaint narrative:
I spoke with XXXX XXXX regarding a medical debt paid by my insurance company, and this is double-dipping. I was informed that the debt is no longer with Advantage Collection ( XXXX XXXX  ), and I should contact another collection agency XXXX. XXXX XXXX XXXX. I then sent a letter on XX/XX/year> with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the following items on my credit report under the Fair Credit Reporting Act ( FCRA ) 609 and 605B. I request that TransUnion, CFPB, FTC investigate and DELETE IMMEDIATELY any inaccurate information and provide written confirmation of the results along with PROOF of investigation, how they determine their decision under the Fair Credit Reporting Act 15 USC 1681i TransUnion must conduct a reasonable investigation and provide evidence to support any verification. Fair Collections & Outsour Account Original Creditor : XXXX XXXX XXXXXXXX Balance : {$9200.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Agency : FAIR COLLECTIONS & OUTSOUR Agency Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Agency Phone : XXXX Account Status : Unpaid / Rental/Leasing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported late payment by XXXX XXXX XXXX XXXX that appears on my Experian and XXXX credit reports under the following details : XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX - XX/XX/scrub>XXXX XXXX XXXX This late payment entry is both misleading and unsupported by verifiable documentation. I have made multiple attempts to resolve this issue directly with XXXX XXXX XXXX XXXX and through formal disputes with the credit bureaus, but my concerns have been dismissed without a proper reinvestigation as required under federal law. The responses I have received thus far are automated verified results with no substantiated evidence or account-level details to justify the continued reporting of this alleged delinquency. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), furnishers are required to conduct a reasonable investigation upon notice of a consumer dispute and ensure that only accurate and verifiable information is reported. XXXX XXXX XXXX XXXX failure to provide any documentation confirming the validity and date of this alleged late payment demonstrates a breach of this duty. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus must maintain reasonable procedures to assure maximum possible accuracy of the information they report. Continuing to display this late payment without evidence of its legitimacy directly violates that obligation. 

This entry also raises significant inconsistencies. Based on my own payment records and past correspondence with XXXX XXXX XXXX XXXX, there was no payment due or missed in XX/XX/year> that would justify a delinquency mark. The timeline appears artificially adjusted to extend the reporting of a negative item, which would be considered a deceptive practice under the FCRAs accuracy and fairness provisions. Moreover, if XXXX XXXX XXXX XXXX claims that a late payment occurred, it must provide documentationsuch as billing statements, correspondence, or transaction ledgersthat substantiate when the payment was due, when it was received, and how the delinquency was calculated. 

The continued appearance of this false late payment has caused measurable harm. It has negatively impacted my credit score, limited my ability to secure favorable credit terms, and undermined my financial stability. It is distressing to experience the same unverified information circulating across multiple credit bureaus despite repeated, good-faith efforts to correct it. These ongoing inaccuracies reflect a systemic failure to uphold the accuracy and verification standards that the FCRA mandates to protect consumers like 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 explanation
Consumer complaint received 2025-10-14 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: MN

Complaint narrative:
I am disputing a {$2400.00} collections account from XXXX on my credit report. I attempted to contact the collection agency using the phone number listed on my credit report, but it connects to an AI voice claiming to be a XXXX XXXX XXXX XXXX. I then contacted the original creditor ( XXXX ) who stated they sold their accounts to XXXX XXXXXXXX XXXX, but XXXX confirmed they do not have my account. Despite this, Experian verified the account as accurate, but did not disclose who verified it or provide any supporting documentation or a way for me to contact the company. I am unable to validate or resolve this debt, and no one has reached out to collect. I am requesting verification of the debt per the Fair Credit Reporting Act and removal if it can not be substantiated. I just want to pay the debt or get it removed, because I'm trying to buy a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
My report still shows late payments even though the account has been settled completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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