vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : 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 2025-05-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on Credit Report Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information regarding a charged-off account that appears in my credit report. The account in question is listed under XXXX  XXXX with an account number of XXXX. 
I do not agree with the reporting of this account as a charge-off for the following reasons : 1. I dispute the amount being reported as inaccurate and inconsistent with my records.

2. The accounts charge-off date appears to be incorrect.

3. I have not received adequate documentation from the original creditor verifying the balance and the events leading to the charge-off. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. Therefore, I am requesting a full investigation and : A copy of the original contract or agreement bearing my signature. 
A detailed accounting or billing history that shows how the charge-off balance was calculated. 
Verification of the charge-off date and delinquency timeline. 
Proof that the creditor complied with all legal obligations prior to reporting this charge-off. 
If the information can not be verified, I respectfully request that this charge-off listing be corrected or deleted entirely from my credit file. 
Please conduct your investigation within the 30 days required by the FCRA and send me the results in writing. 
Sincerely, 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 2025-05-08 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: FL

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable.

The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( XXXX See CFPB enforcement action, XX/XX/year> * ) I am requesting : XXXX. Immediate deletion or correction of the disputed accounts. 
XXXX. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice ofyour findings within the 30-day period allowed by law. 

Enclosed are the necessary supporting documents, including a copy of my government-issued ID and proof of residency. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
Account Credence Resource Management # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EdFinancial Services
State: AL

Complaint narrative:
I requested student loan debt cancellation due to permissible purpose of transferring of loan information amongst services. My contractual agreement was made directly with he department of education not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Company Portfolio Recovery make phone calls 7 days a week at least 4-5 times per day.

Company threatens and harasses uses legal terms and threatens legal actions.

Company acts like they are law enforcement or legal representatives.

Company contacts individuals ( relatives ) exposing my personal information further.

Company/agency does not have my consent or permission to have my information.

Collecting on an old debt with in accurate balance and information.

Requested signed original contract from this company/agency with my signed consent acknowledging a contract with them which is not possible since I HAVE NOT CONDUCTED ANY business with portfolio recovery.

Company harasses me and violates CFPB consumer rights.

Company or agency has been asked to remove this debt and negative markings from credit report.

Company agency continues to negatively report on my credit report with all agencies with no consent or permission and no signed contract to be able to do so. 

Company porfolio recovery on XXXX XXXX XXXX  not business hours called 5 times with different numbers Monday through Sunday this company calls making XXXX calls per week. Violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MN

Complaint narrative:
Disputing inaccurate and fraudulent information on my credit report due to identity theft

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 2025-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it? Otherwise, can you please remove from my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. 


The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/2025, the CFPB fined Equifax {$15.00} million due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/2025 * ) I am requesting : XXXX. Immediate deletion or correction of the disputed accounts. 
XXXX. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX. Written notice ofyour findings within the XXXX period allowed by law. 

Enclosed are the necessary supporting documents, including a copy of my government-issued ID and proof of residency. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: VA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
Account Metro Collection Services # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
b"I was a victim of identity theft and this is another request\nto remove the information from my credit file resulting from\nalleged identity theft. Per FCRA  605B (15 U.S.C.  1681c-2)\nCREDIT BUREAUS are required to remove any items not later\nthan 4 business days after the receipt. Also, the information\nprovided on some items are UNKNOWN to me and REMOVED\nfrom other bureaus and I have doubts about their accuracy.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 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

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Contacted creditor/agency and requested proof of the alleged debt specifically, the original application bearing my signature. They have not been able to provide such proof.

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 2025-05-08 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: CT

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-05-08 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: CT

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-05-08 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: NY

Complaint narrative:
Date : XX/XX/XXXX Filed via CFPB Portal Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : CFPB Complaint Furnishers Failure to Investigate and Inaccurate Credit Reporting Consumer : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) Dear CFPB Examiner : I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) for repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer-protection statutes. Despite multiple certifiedmail disputes ( most recently XX/XX/XXXX ) and a prior CFPB complaint ( ID # XXXX ), XXXX XXXX continues to report inaccurate, confusing, and unverifiable information on my credit file and has failed to conduct any legitimate reinvestigation. 

Key Issues : Misidentification of Consumer XXXX XXXX response misnames me as XXXX XXXX rather than XXXX XXXX XXXX, creating confusion over who must respond to this alleged debt. 

Fraud Alerts Ignored I have received multiple company emails and account alerts acknowledging fraudulent transactions on this account, yet XXXX XXXX never halted reporting or launched a fraud investigation. 

Charge-back vs. Charge-off Confusion Account history reflects both charge-backs and write-offs/charge-offs at different times, with no clear documentation of which action was taken or justification for each. 

Failure to Reinvestigate Under 15 U.S.C. 1681i, furnishers must conduct a reasonable reinvestigation of disputed data. XXXX XXXX has not provided any proof of investigation steps, results, or consumer-notification letters. 

Requested CFPB Action : Open an investigation into XXXX XXXX policies and practices for handling disputes and fraud alerts. 

Enforce corrective actions to ensure XXXX XXXX conducts proper reinvestigations and accurately updates all Consumer Reporting Agencies ( CRAs ). 

Require XXXX XXXX to provide me, within 30 days, documented evidence of any investigation and confirmation of removal or correction of all inaccurate tradelines. 

Thank you for your prompt attention. Please send any correspondence regarding this complaint to my address above.

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 2025-05-08 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: NY

Complaint narrative:
Date : XX/XX/XXXX Filed via CFPB Portal Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : CFPB Complaint Furnishers Failure to Investigate and Inaccurate Credit Reporting Consumer : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  ( Acct # XXXX ) Dear CFPB Examiner : I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer-protection statutes. Despite multiple certifiedmail disputes ( most recently XX/XX/XXXX ) and a prior CFPB complaint ( ID # XXXX ), XXXX XXXX continues to report inaccurate, confusing, and unverifiable information on my credit file and has failed to conduct any legitimate reinvestigation. 

Key Issues : Misidentification of Consumer XXXX XXXX response misnames me as XXXX XXXX rather than XXXX XXXX XXXX, creating confusion over who must respond to this alleged debt. 

Fraud Alerts Ignored I have received multiple company emails and account alerts acknowledging fraudulent transactions on this account, yet XXXX XXXX never halted reporting or launched a fraud investigation. 

Charge-back vs. Charge-off Confusion Account history reflects both charge-backs and write-offs/charge-offs at different times, with no clear documentation of which action was taken or justification for each. 

Failure to Reinvestigate Under 15 U.S.C. 1681i, furnishers must conduct a reasonable reinvestigation of disputed data. XXXX XXXX has not provided any proof of investigation steps, results, or consumer-notification letters. 

Requested CFPB Action : Open an investigation into XXXX XXXX policies and practices for handling disputes and fraud alerts. 

Enforce corrective actions to ensure XXXX XXXX conducts proper reinvestigations and accurately updates all Consumer Reporting Agencies ( CRAs ). 

Require XXXX XXXX to provide me, within 30 days, documented evidence of any investigation and confirmation of removal or correction of all inaccurate tradelines. 

Thank you for your prompt attention. Please send any correspondence regarding this complaint to my address above.

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 2025-05-08 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: MA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> received a letter from Capital One Platinum Credit card services Envelope in big letters state CONGRATULATIONS Youre invited to apply for platinum Mastercard Opening the letter the letter states Good new valued customer! Youre invited to apply and start building credit with responsible use. 
Received reservation number XXXX XXXX code XXXX Expiration date XX/XX/year> I proceeded to apply since I was pre screened to apply as a candidate. 
I instantly received a denial. 
This is misleading for customers as myself trying to build credit. This is not okay. 
XX/XX/year> I received an email with Capital one credit card services company inviting me to apply. The email states see if youll approve for a credit card 100 % certainty with no impact to your credit score. 
This is misleading and false I was 100 % denied.

Company response to consumer: Closed with explanation