vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
Subject : Debt Validation Request Pursuant to the FDCPA and California XXXX XXXXXXXX Dear Portfolio Recovery Associates, I am writing to formally request validation of the alleged debt you have reported under my name, as reflected in my credit report. This letter is sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and the California Fair Debt Collection Practices Act ( CFDCPA ) ( Cal. Civ. Code 17881788.33 ). 
I do not acknowledge ownership of this debt, and I am requesting that you provide verification of the following information : Proof of Debt Ownership A copy of the original signed contract or agreement that establishes my liability for this debt. 
The name and address of the original creditor. 
A detailed accounting of the alleged balance, including principal, interest, fees, and charges. 
Proof of Your Legal Authority to Collect Documentation proving your company is authorized to collect this debt, including the chain of ownership from the original creditor to your agency.

Your California debt collection license number ( per California Debt Collection Licensing Act, SB 908 ).

Statute of Limitations Verification The date of the last payment made on this account and confirmation of whether the statute of limitations in California ( typically 4 years for written contracts under Cal. Code Civ. Proc. 337 ) has expired.

Additionally, under California Civil Code 1788.17, you are required to comply with all provisions of the FDCPA, including ceasing collection efforts until the requested validation has been provided. If you are unable to furnish this information, I request that you remove any negative reporting related to this account from my credit file and cease all further collection attempts. 
Furthermore, I request that all future communication regarding this matter be conducted in writing. Under 15 U.S.C. 1692c ( c ), you must honor this request and cease further phone calls. If you fail to provide the requested validation, any continued collection efforts will be considered a violation of both federal and state laws. 
If this debt is valid, I also request details regarding any potential settlement or pay-for-delete options. 
I expect a response within 30 days of receipt of this letter, as required by law. Please send all correspondence to the address listed above. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-07 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit.

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 2025-03-07 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
I have attached my FTC Identity Theft Report regarding a fraudulent account that appears on my credit files. The details of the account are as follows : Partial Account Number : XXXX Status : Closed, but still appearing on my report I have no knowledge of this account and previously disputed it over XXXX years ago, at which time I was informed that it would be deleted. However, it is still listed under closed accounts and is affecting my credit report. 

Additionally, my personal data was compromised in Equifax data breach, which may have contributed to this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MO

Complaint narrative:
This letter serves as a formal dispute regarding multiple inaccuracies on my credit report. Despite my previous disputes, these errors remain unresolved, which is not only unacceptable but also a clear violation of the Fair Credit Reporting Act ( FCRA ). I expect full compliance with federal regulations in handling my dispute. Below are the accounts in question : XXXX XXXX XXXX  : Account No : XXXX A charge-off account with an active balance? This is a blatant reporting error. It is concerning that TransUnion continues to report inaccurate information on my credit file. I demand the immediate deletion of this account due to its inaccuracy. XXXX XXXX XXXX XXXX : Account No : XXXX This account is reported as a charge-off, yet a balance remains. This contradicts standard reporting guidelines and is a clear violation of the FCRA. Additionally, there is a past due balance reported on an already charged-off account, which is another reporting violation. I demand a full reinvestigation and the immediate removal of this inaccurate account from my credit report. Please be advised that I am keeping detailed records of all correspondence and actions taken regarding this matter. Should TransUnion fail to comply with its legal obligations under the FCRA and fail to correct these inaccuracies within the legally required timeframe, I will have no choice but to escalate this matter, including but not limited to filing a formal complaint with the CFPB and pursuing legal action. I trust that TransUnion will take this matter seriously and conduct a thorough and lawful reinvestigation of these disputes. I expect a prompt and satisfactory resolution.

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 2025-03-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
-INCORRECT ACCOUNTS LISTED BELOW- XXXX Name : XXXX  XXXX Account XXXX Date XXXX Reported Balance : {$500.00} XXXX Name : XXXX  XXXX Account XXXX Date XXXX Reported Balance : {$930.00} XXXX Name : XXXX  XXXX Account XXXX Date XXXX Reported Balance : {$370.00} XXXX Name : XXXX  XXXX XXXX  XXXX  Account XXXX Date XXXX Reported Balance : XXXX XXXX Name : XXXX  XXXX  Account XXXX Date XXXX Reported Balance : XXXX -ADDITIONAL ADDRESSES LISTED BELOW- XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -ADDITIONAL INCORRECT NAMES XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-07 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: OH

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 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 XXXX XXXX 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 seven 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 2025-03-07 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: AZ

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 non-monetary relief
Consumer complaint received 2025-03-07 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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:
On or about XX/XX/year>, my personally identifiable information, including details related to my student records, was accessed & disclosed without my authorization. Specifically, personal data from my education records, including but not limited to, my full name, student ID, academic history, & potentially other confidential information, were involved. The information disclosed was recorded in my education records as it relates to my academic history, student identification, & other personal details protected under XXXX. The disclosure was made to individuals or entities associated with XXXX XXXX XXXX XXXX. The entities involved had no authorization to access or share my personal educational data. The disclosure occurred without my consent & was related to external access to my personal information, likely involving unauthorized access by entities outside of the educational institution. At no point did I provide authorization for such access or disclosure. I became aware of the unauthorized disclosure on or about XX/XX/year>. As of now, I have not had any direct communication with the disclosing individual or entity regarding this matter. As a result of this unauthorized access & disclosure of my personal data, I am requesting the dissolution of my student loans, as this breach has affected my ability to manage my financial responsibilities & compromised my privacy rights under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
On or about XX/XX/year>, my personally identifiable information, including details related to my student records, was accessed & disclosed without my authorization. Specifically, personal data from my education records, including but not limited to, my full name, student ID, academic history, & potentially other confidential information, were involved. The information disclosed was recorded in my education records as it relates to my academic history, student identification, & other personal details protected under FERPA. The disclosure was made to individuals or entities associated with XXXX XXXX & DOGE. The entities involved had no authorization to access or share my personal educational data. The disclosure occurred without my consent & was related to external access to my personal information, likely involving unauthorized access by entities outside of the educational institution. At no point did I provide authorization for such access or disclosure. I became aware of the unauthorized disclosure on or about XX/XX/year>. As of now, I have not had any direct communication with the disclosing individual or entity regarding this matter. As a result of this unauthorized access & disclosure of my personal data, I am requesting the dissolution of my student loans, as this breach has affected my ability to manage my financial responsibilities & compromised my privacy rights under FERPA.

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 2025-03-07 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:
On or about XX/XX/year>, my personally identifiable information, including details related to my student records, was accessed & disclosed without my authorization. Specifically, personal data from my education records, including but not limited to, my full name, student ID, academic history, & potentially other confidential information, were involved. The information disclosed was recorded in my education records as it relates to my academic history, student identification, & other personal details protected under FERPA. The disclosure was made to individuals or entities associated with XXXX XXXX & DOGE. The entities involved had no authorization to access or share my personal educational data. The disclosure occurred without my consent & was related to external access to my personal information, likely involving unauthorized access by entities outside of the educational institution. At no point did I provide authorization for such access or disclosure. I became aware of the unauthorized disclosure on or about XX/XX/year>. As of now, I have not had any direct communication with the disclosing individual or entity regarding this matter. As a result of this unauthorized access & disclosure of my personal data, I am requesting the dissolution of my student loans, as this breach has affected my ability to manage my financial responsibilities & compromised my privacy rights under FERPA.

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