vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I am requesting validation of this debt. 

Please provide complete information on the original creditor, original account number, the date this account was opened, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges. 
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Search How to dispute a collection directly with the debt collector If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within XXXX  days. 

If validation is not provided, I will expect this item to be removed from my credit reports and further collection activity to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting to dispute several inaccurate and outdated items that appear on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602 ( Congressional Findings and Purpose ), 611 ( 15 U.S.C. 1681i ), and 623 ( a ) ( 2 ) and ( b ). These laws require credit bureaus and furnishers to ensure that only complete and accurate information is reported and that proper investigations are conducted when a consumer raises a dispute.

While reviewing my credit report, I discovered multiple inaccuracies that are unfairly damaging my credit reputation and not reflective of my true financial behaviour. I would like to explain my situation in detail so that these errors can be thoroughly reviewed and corrected. 
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 XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} XXXX XX/XX/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/XXXX Under FCRA 611, I have the right to dispute inaccurate information and request that it be corrected following a full reinvestigation. Under FCRA 623 ( a ) ( 2 ), furnishers of information are obligated to promptly correct and update any errors. Under FCRA 623 ( b ), once a dispute is filed, the furnisher must investigate, review all relevant information, and report accurate results back to the credit bureau. Finally, FCRA 602 emphasizes Congresss intent to ensure accuracy and fairness in credit reporting a principle I am invoking to protect my financial integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting to dispute several inaccurate and outdated items that appear on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602 ( Congressional Findings and Purpose ), 611 ( 15 U.S.C. 1681i ), and 623 ( a ) ( 2 ) and ( b ). These laws require credit bureaus and furnishers to ensure that only complete and accurate information is reported and that proper investigations are conducted when a consumer raises a dispute.

While reviewing my credit report, I discovered multiple inaccuracies that are unfairly damaging my credit reputation and not reflective of my true financial behaviour. I would like to explain my situation in detail so that these errors can be thoroughly reviewed and corrected. 
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 XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} XXXX XX/XX/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/XXXX Under FCRA 611, I have the right to dispute inaccurate information and request that it be corrected following a full reinvestigation. Under FCRA 623 ( a ) ( 2 ), furnishers of information are obligated to promptly correct and update any errors. Under FCRA 623 ( b ), once a dispute is filed, the furnisher must investigate, review all relevant information, and report accurate results back to the credit bureau. Finally, FCRA 602 emphasizes Congresss intent to ensure accuracy and fairness in credit reporting a principle I am invoking to protect my financial integrity.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a Bank of America credit card with a {$2300.00} limit. In XX/XX/year>, while in XXXX, I submitted a financial hardship form through the BoA app to temporarily pause payments. Despite this, my account was closed in XX/XX/year> without any notice. When I called customer service on XX/XX/year>, they said the account was already closed but couldnt explain why. They told me to pay {$1200.00} in XXXX installments toward a {$2500.00} balance, which I believed covered missed payments. Later, I discovered BoA had classified it as a settlement without my consent, even stating I had agreed to settle for less than the full balance. I never received a settlement agreement letter or agreed to such terms. I request correction of my account and credit report, and documentation explaining why my account was closed despite my hardship request.

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 2025-11-05 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third 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 non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccuracies in my credit report that have negatively affected my credit score. I request an immediate investigation into the disputed items and a correction if verified inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccuracies in my credit report that have negatively affected my credit score. I request an immediate investigation into the disputed items and a correction if verified 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 non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccuracies in my credit report that have negatively affected my credit score. I request an immediate investigation into the disputed items and a correction if verified 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 2025-11-05 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: OK

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-11-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting to you once again to formally dispute the continued presence of inaccurate and unverifiable late payment information being reported on my Equifax, TransUnion and Experian credit file. Despite several prior disputes and my repeated requests for proper reinvestigation, these same accounts continue to reflect false delinquencies that misrepresent my payment history and financial integrity. It is disheartening that these inaccuracies remain unresolved after multiple rounds of communication, as I have provided sufficient notice and opportunity for correction. 
XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am submitting to you once again to formally dispute the continued presence of inaccurate and unverifiable late payment information being reported on my Equifax, TransUnion and Experian credit file. Despite several prior disputes and my repeated requests for proper reinvestigation, these same accounts continue to reflect false delinquencies that misrepresent my payment history and financial integrity. It is disheartening that these inaccuracies remain unresolved after multiple rounds of communication, as I have provided sufficient notice and opportunity for correction. 
XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo: Consumer Financial Protection Bureau (CFPB) and U.S. Bank Fraud Department Attn:\nCardmember Services XXXX XXXX XXXX XXXX XXXX XXXXSubject: Complaint Regarding Unresolved Fraudulent Debit Card Charges  Case No.XXXX Account Number: XXXX XXXX XXXX XXXXDear CFPB and U.S. Bank Fraud Investigation Team,XXXXI am submitting this complaint regarding fraudulent debit card charges linked to my U.S. Bank accountXXXXlisted above. I was not made aware of these unauthorized transactions until XXXX XXXX XXXX, at which\npoint I immediately contacted U.S. Bank to report the fraud.\nU.S. Bank responded that the transactions could not be disputed because more than 60 days had\npassed since they occurred. However, I was not aware of the charges until that date, and the account\nhad already been closed by the time I discovered the fraud.\nI have made multiple attempts to resolve this matter directly with U.S. Bank, but I have not received any\nmeaningful assistance or consideration as a fraud victim. I am therefore requesting that the Consumer\nFinancial Protection Bureau (CFPB) review this case and forward this complaint to U.S. Bank for further\ninvestigation and resolution.\nPlease investigate these charges as unauthorized under the Electronic Fund Transfer Act (Regulation\nE). I did not authorize these transactions, nor did I provide my debit card or account information to any\nthird party.\nI respectfully request that U.S. Bank: 1. Provide written confirmation of receipt of this dispute; 2.\nConduct a full investigation into the fraudulent activity; and 3. Issue a provisional credit for the disputed\namounts while the investigation is in progress.\nPlease contact me at the address above or at my phone/email on file if additional information or\ndocumentation is required.\nThank you for your attention to this matter and for assisting in protecting consumers from financial\nfraud.\nSincerely, 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 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied to live at XXXX XXXX XXXX XXXX. Upon submitting the application, I paid a {$75.00} online application fee and a {$150.00} online administrative fee, totaling {$220.00}. I later decided against living at the complex and ultimately never signed a residential lease. 

In XX/XX/XXXX, through credit report monitoring alerts, I learned that The XXXX XXXX XXXX had sent an account under my name to collections, alleging that I owe {$75.00} for an online application fee associated with the application submitted in XX/XX/XXXX. I had never received notice of this debt, as the address they used for the collection was the unit I applied to live indespite never having lived in or signing a lease for that unit. 

On XX/XX/XXXX, I sent certified mail through USPS to XXXX XXXX XXXX XXXX inquiring about the debt. On XX/XX/XXXX, I received an email response from the Assistant Community Manager acknowledging the mistake and promising the issue would be corrected. I was told to expect a corrected document. As of XX/XX/XXXX, I have not been provided this document. I was also told it was my responsibility to reach out to the debt collection agency, using the newly corrected document, to resolve the issue. 

On XX/XX/XXXX, I sent certified mail through USPS to XXXX XXXX XXXX XXXX management company, XXXX XXXX, with copies delivered to both a regional office in XXXX, TX, and the corporate headquarters in XXXX, TX. Both letters were signed for and delivered on XX/XX/XXXX. These letters included a plea for resolution and a request for the company to recall the false debt from the debt collection agency. I have not yet received a response from the company regarding the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXXPursuant to my prior CFPB Complaint # XXXX, MACU has responded on 10/9/2025 and has re-opened my credit card account (card # XXXX XXXX XXXX XXXX for the second time. Please see attached the credit unions response letter to that effect, signed by XXXX XXXX SVP/Chief Risk Officer of Mountain America Credit Union.\n\nToday, on XXXX XXXX XXXX, I have logged into my MACU online profile and noticed that my credit card account was no longer listed on my profile. I have tried using my card ending in XXXX  at XXXX XXXX XXXX XXXX XXXX  and the transaction has been declined with the following message (see image attached):XXXXPayment has been Declined.XXXXPlease try again or contact us for more informationXXXXReason: DECLINED:XXXXXXXXThis appears to be a repeated issue on the side of MACU, with the card being blocked / suspended / closed by MACU for security reasons every 1-2 months, then re-opened and reinstated when I contact MACU to inquire and complain about this repeated issue.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
I am submitting once again to express my deep concern and disappointment over the continued presence of inaccurate reporting on my credit file. Despite my repeated efforts and multiple rounds of disputes, certain information remains uncorrected, casting an unfair and misleading impression of my payment behavior. This letter represents my fifth formal attempt to have these errors properly reviewed, verified, and corrected under the provisions of the Fair Credit Reporting Act ( FCRA ).

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 2025-11-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting once again to express my continued concern regarding the inaccurate late payment reporting associated with my XXXX accounts. This marks my third formal attempt to have these errors thoroughly reviewed and corrected, as they continue to appear on my Equifax, Experian and TransUnion credit file despite previous disputes and requests for reinvestigation. I have exercised patience throughout this process, trusting that Equifax, Experian and TransUnion would fulfill its duty to ensure the highest level of reporting accuracy. However, the persistence of these inaccuracies suggests that a proper verification has not yet been completed, as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
I am submitting once again to express my continued concern regarding the inaccurate late payment reporting associated with my XXXX accounts. This marks my third formal attempt to have these errors thoroughly reviewed and corrected, as they continue to appear on my Equifax, Experian and TransUnion credit file despite previous disputes and requests for reinvestigation. I have exercised patience throughout this process, trusting that Equifax, Experian and TransUnion would fulfill its duty to ensure the highest level of reporting accuracy. However, the persistence of these inaccuracies suggests that a proper verification has not yet been completed, as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}

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