vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
b'I am reporting multiple inaccuracies and potentially fraudulent entries on my XXXXXXXX XXXX XXXX, which I believe are either:\n\nResulting from identity theft\n\nInaccurate due to misreporting\n\nOr duplicates that are unfairly affecting my XXXX XXXX\n\nDespite disputes filed with XXXX XXXX XXXX dated XXXX XXXX XXXX, these accounts remain unresolved or inaccurately reported. I am requesting a formal investigation and resolution by the CFPB.\n\n1. Unauthorized or Unverified XXXX Inquiries\nThe following companies made XXXX  inquiries I did not authorize:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (unsure of why credit was pulled)\n\nThese were not initiated by me, nor do I have credit applications or consent on file with these lenders.\n\nXXXX Mortgage Reporting Errors (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) shows repeated delinquencies from XXXX XXXX XXXX However, I was under a partial payment agreement and/or forbearance, and the account is now being disputed.\n\nXXXX XXXX XXXX XXXX reports multiple missed payments prior to transfer, but shows account status as XXXX XXXX XXXX This creates duplicate XXXX impacts.\n\nThese inconsistencies and duplicative delinquency reporting on the same loan are XXXX XXXX XXXXXXXX unfairly.\n\n3. Collection Accounts Needing Validation or Removal\nThe following accounts are in collection or XXXX XXXX many of which I did not authorize or do not recognize. Some are also duplicative or outdated:\n\nCollection Agency\tCreditor\tAmount\tOpen Date\tStatus\nDebt Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nSome of these were:\n\nNever opened by me\n\nHave been paid or settled but remain on file\n\nReported without validation of debt\n\nReported incorrectly during identity theft'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX 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, Date Opened : XX/XX/XXXX, Balance : {$10.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : 0XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-16 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit, claims to have garnishment paperwork from a court case, neither did I know about, but the paperwork wasn't sent to me or to my work, it was sent to another employee of the hospital I work for, and she turned it into my payroll dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
What Happened ( Summary Statement for Complaint or Follow-Up ) : On XX/XX/year>, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against Equifax for inaccurate and unverifiable information being reported on my credit file. 

On XX/XX/year>, the company acknowledged the complaint and stated they were working on the issue. 

Then, on XX/XX/year>, I received a physical letter from the company stating that they had verified all disputed information without providing any documentation or explanation of the verification process, in direct violation of 15 U.S.C. 1681i ( a ) ( 7 ) which requires them to disclose the method of verification. 

Subsequently, they responded via the CFPB portal that they were unable to respond due to lack of information. This is both misleading and contradictory, as they previously claimed to have verified the information and had mailed me a letter stating such. 

Their responses are inconsistent and do not comply with federal consumer protection laws. They are failing to verify the disputed information, refusing to provide evidence, and continuing to report data that is inaccurate, unverifiable, and harmful to my credit profile. This is willful noncompliance with the Fair Credit Reporting Act and should result in the immediate deletion of all disputed items.

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 2025-06-16 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: GA

Complaint narrative:
What Happened ( Summary Statement for Complaint or Follow-Up ) : On XX/XX/year>, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against Equifax for inaccurate and unverifiable information being reported on my credit file. 

On XX/XX/year>, the company acknowledged the complaint and stated they were working on the issue. 

Then, on XX/XX/year>, I received a physical letter from the company stating that they had verified all disputed information without providing any documentation or explanation of the verification process, in direct violation of 15 U.S.C. 1681i ( a ) ( 7 ) which requires them to disclose the method of verification. 

Subsequently, they responded via the CFPB portal that they were unable to respond due to lack of information. This is both misleading and contradictory, as they previously claimed to have verified the information and had mailed me a letter stating such. 

Their responses are inconsistent and do not comply with federal consumer protection laws. They are failing to verify the disputed information, refusing to provide evidence, and continuing to report data that is inaccurate, unverifiable, and harmful to my credit profile. This is willful noncompliance with the Fair Credit Reporting Act and should result in the immediate deletion of all disputed items.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I recently reviewed my credit reports and was shocked to find multiple collection accounts from PORTFOLIO RECOV ASSOC for what is purported to be utilities debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-16 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:
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  XXXX ] Account Number : [ XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: NY

Complaint narrative:
they closed my account for no reason keep rising interest and my credit report is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a XXXX XXXX XXXX XXXX any nonpublic personal information. XXXX XXXX XXXX ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a XXXX XXXX XXXX  unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX XXXX ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a XXXX XXXX account under an XXXX XXXX XXXX XXXX  plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) 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. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-06-16 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX XXXX I found out of my accounts is passed due. However I never received any payment is due in X days notifications. I was not able to setup autopay or auto payment to payment the statement balance.

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 monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am filing this complaint regarding an Affirm virtual card loan ( Loan ID : XXXX ) used to purchase {$500.00} worth of tickets from XXXX on XX/XX/year>. The event was canceled, and I received no goods, services, or value from the transaction. The merchant ( XXXX ) issued a full refund on XX/XX/year>, which Affirm confirmed receiving. 

However, despite receiving the refund, Affirm has withheld {$28.00} in interest from the payments I made while waiting for the refund to process. I made two loan payments on XX/XX/XXXX and XX/XX/XXXX, each for {$50.00}, totaling {$100.00}. Of that, only {$72.00} was returned to me {$28.00} was kept by Affirm as " interest. '' Affirms customer service stated that interest is non-refundable because the refund occurred more than 30 days after the loan was processed. However, this delay was entirely the merchants fault, not mine. I had no control over the timeline. Affirm is profiting off of a transaction that resulted in zero benefit to me as the borrower. This feels misleading and exploitative. 

Loan ID : XXXX Purchase Date : XX/XX/year> Refund Date : XX/XX/year> Payments Made : XX/XX/XXXX & XX/XX/XXXX ( {$50.00} each ) Refunds Received : {$50.00} + {$21.00} Interest Affirm withheld : {$28.00} No services or products received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
I received a letter in the mail from XXXX XXXX XXXX that I owe XXXX XXXX, XXXX {$24.00}. I do not owe XXXX any money and never have. I dont even know how a consumer could owe XXXX XXXX money. I have contacted XXXX fraud department to let them know about this letter. I have disputed the debt with XXXX as well. XXXX also tacked on {$20.00} in fees. I presume a lot of elderly folks would just pay the {$44.00} rather than look into it. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-16 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief