vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates , LLC and XXXX  XXXX are reporting inaccurate and unverified information on my credit file, despite my formal disputes. 

On [ insert date of dispute ], I disputed the following account with XXXX  ( File Number : XXXX ) : Portfolio Recovery Associates , LLC Original Creditor : XXXX XXXX Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$3600.00} Reported Past Due : {$3600.00} Remarks : Consumer Disputes Placed for Collection Estimated Removal Date : XXXX Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), XXXX  was required to conduct a reasonable reinvestigation of the disputed information and delete any information that can not be verified. 

Despite my dispute, XXXX  only updated remarks but left the inaccurate account in place without providing the method of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX  investigated the exact same account ( see Exhibit A ) and determined it should be removed entirely from my credit file. This shows a direct inconsistency between the bureaus and suggests that XXXX  failed to conduct a reasonable investigation.

Additional Issues : 1. Portfolio Recovery has not provided any signed contract, account statements, or payment history proving I am legally responsible for this debt.

2. The reported past due amount is mathematically inconsistent with the reported balance, violating 15 U.S.C. 1681e ( b ).

3. The account is beyond the applicable statute of limitations for collection in my state, making it misleading to report.

4. The account dates appear to be re-aged to extend its reporting period, another FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IN

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : 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 non-monetary relief
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
I reviewed my credit reports and found five accounts that I do not recognize, never applied for, and never authorized. I have filed an FTC Identity Theft Report and attached it. The fraudulent accounts are : ( 1 ) XXXX XXXX Acct # XXXXXXXX XXXX  ~ {$1000.00} XXXX : XXXX XXXX XXXX ; TU shows Open/Collection while Experian shows Closed/Collection ; different Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and conflicting Last Activity/Reported dates ; no payment history. ( XXXX ) XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} OC : XXXX XXXX. ; XXXX XXXX XXXX Experian Closed ; inconsistent Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and Last Activity ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) ; no terms or payment recordXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX  ; TU Open vs Experian Closed ; different Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and XXXX dates ; no payment history. ( XXXX ) Portfolio XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXXXXXX XXXX XXXX XXXX  ; TU Open vs Experian Closed ; different Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and XXXX ; no payment history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX ; TU Open vs Experian/Equifax Closed XXXX conflicting Date Opened/Reported ( TU XX/XX/XXXX & XX/XX/XXXX ; EXP/EFX XX/XX/XXXX & XX/XX/XXXX ) ; nonstandard remarks at Equifax ; no payment data. These inconsistencies create inaccurate and misleading files in violation of FCRA 607 ( b ), 609, 611 and 623 ( a ) ( 5 ). Because these are the result of identity theft and are inaccurate, incomplete, and unverifiable, I request immediate deletion from TransUnion, Experian, and Equifax.

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 2025-08-11 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: NJ

Complaint narrative:
I reviewed my credit reports and found five accounts that I do not recognize, never applied for, and never authorized. I have filed an FTC Identity Theft Report and attached it. The fraudulent accounts are : ( 1 ) XXXX XXXX Acct # XXXXXXXX XXXX  ~ {$1000.00} XXXX : XXXX XXXX XXXX ; TU shows Open/Collection while Experian shows Closed/Collection ; different Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and conflicting Last Activity/Reported dates ; no payment history. ( XXXX ) XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} OC : XXXX XXXX. ; XXXX XXXX XXXX Experian Closed ; inconsistent Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and Last Activity ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) ; no terms or payment recordXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX  ; TU Open vs Experian Closed ; different Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and XXXX dates ; no payment history. ( XXXX ) Portfolio XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXXXXXX XXXX XXXX XXXX  ; TU Open vs Experian Closed ; different Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and XXXX ; no payment history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX ; TU Open vs Experian/Equifax Closed XXXX conflicting Date Opened/Reported ( TU XX/XX/XXXX & XX/XX/XXXX ; EXP/EFX XX/XX/XXXX & XX/XX/XXXX ) ; nonstandard remarks at Equifax ; no payment data. These inconsistencies create inaccurate and misleading files in violation of FCRA 607 ( b ), 609, 611 and 623 ( a ) ( 5 ). Because these are the result of identity theft and are inaccurate, incomplete, and unverifiable, I request immediate deletion from TransUnion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
Im in need of some information as well. I was on a forbearance for 12 months and in that time I was erroneously reported to XXXX, XXXX XXXX, and XXXX  more than 90 days late in XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX. I made the {$3900.00} agreed upon modification payments from XXXX. Please see attached screenshots. I would greatly appreciate your assistance in this matter or forwarding it to the appropriate department that can rectify this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 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 2025-08-11 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: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcome. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the dispute account, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Self Financial Inc.
State: GA

Complaint narrative:
I have been home for about 5 months now and Im finally purchasing my first home, well thats what I thought. I applied for Mortgage through XXXX and was denied and I applied through my main bank which is XXXX and was denied also. I thought it was impossible!!!! I havent spent money in over 10 years and Im well off, so it must be a mistake. One of the bankers told me to create accounts with the 3 credit bureaus but I told her I m not big on that type of stuff. I deal with my 2 banks and thats it. Well long be held as I check my credit reports there was a delinquent Self account and 2 delinquent loans and an XXXX XXXX XXXX ha-ha. My commander advised me to write you all a letter first before I seek counsel on this matter. I lived In XXXX from XXXXXXXX XXXX XXXX. Thats where I did my XXXX brief at. I often came back home to visit family and friends In Georgia but what I didnt do was open a Self XXXX XXXX XXXX. I would like to see all the information Self has about this fraudulent account. I would like it to be removed immediately. As Im writing this complaint, Im also doing my research, and this is what I gathered. I found out scammers and fraudsters open these easy credit builder accounts such as Self, XXXX, XXXX, XXXX etc so that they can be reported to their target person credit fast and after its reported it gives them a credit score. After a credit score is generated, they add Tradelines like authorized users and this when the damage begins. They may pay on the credit builder account for a few months, so it establishes a payment history. Its only XXXX XXXX {$15.00} so they dont mind spending a little bit of money because the rewards will be bigger. Once they get as much credit from that person, they then abandon that persons credit and then go on to their next target person. Self needs to start using biometrics and ask for driver 's license and selfies to verify an account owner identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NJ

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 2025-08-11 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX, my debit card connected to my checking account had two charges that were fraudulent. I contacted truist bank, blocked my current card and ordered a new card with a new number. After receiving and activating my new card, again, fraudulent charges were made. 25 fraudulent charges were made, over {$1000.00} at XXXX. This is the same location the original fraudulent charges were made in XXXX. I disputed what charges I could, those that were not pending. I contacted Truist and cancelled the card and ordered a new card with a new number. Somehow, my card information is getting leaked directly after I activate it and being used for fraudulent charges. This is my third card in 2 weeks. I believe someone involved in card production and distribution is leaking card information to an outside party.

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 2025-08-11 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:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX - Please verify. - I was never late on this at all - DELETE THIS NOW! 
XXXX XXXX - Please verify. - I was never late on this at all - DELETE THIS NOW! 
XXXX XXXX XXXX  - VERIFY - I was never late on this at all - DELETE THIS NOW! 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Please delete immediately. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Please delete immediately. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Please delete immediately. 

I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). 

I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. 

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 

SEND UPDATED CREDIT REPORT * Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
In accordance with XXXX XXXX. XXXX ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Collection account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account is showing late payment history also shown in collection only on Equifax. 
which is being inconsistently reported among the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
I was trying to rent an apartment and I keep getting denied because of the damages on my credit report according to15 U.S.C 1681 there shouldnt be any damages on my report its a defamation to my character.

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