vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I reviewed my credit report and found several collection accounts that appear inaccurate or unverifiable. 
Specifically, XXXX separate collectors are reporting debts that have either already been disputed, are missing documentation, or appear to have been reaged to more recent dates. 

XXXXXXXX XXXX XXXXXXXX began reporting a collection account opened in XXXX for approximately XXXX XXXXXXXX a XXXX XXXX.I previously disputed this item with the credit bureaus, but no validation or supporting documentation was ever received.The account continues to appear on my report even though verification has not been provided. 

XXXX began reporting a collection for about XXXX XXXXXXXX related to XXXX, opened in XXXX report contains incomplete identifying information, and the collector has not supplied documentation verifying the debts ownership or details of the amount owed, despite a dispute request. 

XXXX is reporting a XXXX XXXXXXXX account originally from XXXX, opened in XXXXThis account appears to have been reaged multiple times, with more recent dates than the original delinquency.The company has not produced clear proof of assignment or ownership after my disputes. 

Between XXXX, I submitted written disputes to the credit bureaus under the FairCreditReportingAct ( FCRA ) and separate validation requests to each collection agency under the FairDebtCollectionPracticesAct ( FDCPA ) .As of this complaint, the accounts remain unverified and continue appearing on my file, negatively impacting my credit history. 

I am requesting that each company provide proper verification of the debts, correct any inaccurate or reaged information, and remove all unverifiable accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
XXXX XXXX XXXX has provided my information to XXXX XXXX XXXX collection agency for the amount {$420.00}. I believe that this collection account may be inaccurate and unjust, and i am invoking my rights under the United States Code ( USC ) to request validation of the debt and ensure compliance with applicable laws. According to the Fair Debt Collection Practices Act ( FDCPA ), as outlined in title 15, section 1692g of the USC, I have the right to request validation of the debt you claim i owe. I kindly request that they provide me with the following information : Verification of the amount owed, including a detail breakdown of the principal balance, interest, fees, and any other charges associated with the debt. Proof of your authority to collect this debt, including documents demonstrating that they are licensed to collect debts in my state. Verification of the original creditors identity and contact information, as well as documents establishing your legal right to collect debts on their behalf. Copies of any agreement or contracts that demonstrate my obligation to pay this debt. A complete payment history, including dates and amount of all payments made towards this debt. I kindly request thar you provide the requested information within 30 days of receiving this request as required by the FDCPA. Failure to comply with this request may result in a violation of federal law, and i will be forced to take appropriate legal action to protect my rights. Furthermore, i would like to remind you of your obligations under FDCPA, WHICH PROHIBIT Unfair, deceptive, or abusive practices in debt collection. I expect that you will conduct your debt collection efforts in a lawful and respectful manner, adhering to the guidelines set forth in the USC. Please note that until the requested information is provided and the debt is validated, i dispute the validity of this collection account and request that you cease all collection activities, including reporting this account to credit bureaus. Any further attempts to collect on this debt without providing the requested validation will be considered a violation of the FDCPA. I trust that you will handle this matter promptly and in accordance with the law. I look forward to receiving the requested information and resolving this issue amicably. Please note, that this collection agency had reached out on numerous occasions for payment. I have no business with this collection agency and would be exercising my rights by requested that they delete this ASAP off my credit report.

Thank you

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 2025-11-15 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I request that this be removed and that you provide written notice confirming the deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
Acima has transfered my debt to some other agency, they did make it clear the terms of the agreement. I have tried to talk with them about payment options. This agency they sold it to is now calling my family members threatening to send it to the county I live in & also come to my house. This company they sold this debt to will also not provide any information but wants money, but can't tell me anything. This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
I have been disputing several negative accounts that continue to appear on my credit reports even though they have never been properly validated. These items include multiple collection accounts and charged-off loans dating back to XXXX and XXXX. Despite submitting disputes multiple times, the companies reporting these accounts have not provided any original documentation such as signed contracts, itemized statements, proof of assignment, or accurate delinquency records. Some accounts contain inconsistent payment histories and conflicting dates, which raise clear concerns about the accuracy of the reporting. Each time I requested validation, the responses only stated that the information was verified, but no actual documentation was shown to support that conclusion. These unresolved errors have caused my credit score to drop and have made it difficult for me to access credit and financial opportunities. No inquiries were reported, but the negative accounts continue to harm my credit despite repeated attempts to correct them.

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 2025-11-15 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:
I have been disputing several negative accounts that continue to appear on my credit reports even though they have never been properly validated. These items include multiple collection accounts and charged-off loans dating back to XXXX and XXXX. Despite submitting disputes multiple times, the companies reporting these accounts have not provided any original documentation such as signed contracts, itemized statements, proof of assignment, or accurate delinquency records. Some accounts contain inconsistent payment histories and conflicting dates, which raise clear concerns about the accuracy of the reporting. Each time I requested validation, the responses only stated that the information was verified, but no actual documentation was shown to support that conclusion. These unresolved errors have caused my credit score to drop and have made it difficult for me to access credit and financial opportunities. No inquiries were reported, but the negative accounts continue to harm my credit despite repeated attempts to correct them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
I am submitting this complaint because several accounts on my Experian credit report are reporting inaccurately, and Experian has failed to conduct a proper investigation under the FCRA.

I previously submitted disputes with supporting documentation, including my FTC Identity Theft Report, police report, XXXX  complaints, and mailed dispute letters. Despite this, the accounts continue to report incorrect or unverifiable information. 

The inaccurate accounts include : XXXX XXXX XXXX reporting a charge-off with incorrect status and dates XXXX charged-off account reporting incorrect balance and past-due amounts XXXX XXXX XXXX closed account still reporting past due amounts and inaccurate status XXXX XXXX XXXX ( Collection ) unverifiable account reporting incorrect dates and balance The errors include : Accounts showing charge off or past due that should not be reporting Incorrect balances and inconsistent dates Closed accounts reporting active past-due amounts Accounts not updated or corrected after multiple disputes Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation, correct inaccurate information, and remove unverifiable information. This has not been done.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because several accounts on my Experian credit report are reporting inaccurately, and Experian has failed to conduct a proper investigation under the FCRA.

I previously submitted disputes with supporting documentation, including my FTC Identity Theft Report, police report, XXXX  complaints, and mailed dispute letters. Despite this, the accounts continue to report incorrect or unverifiable information. 

The inaccurate accounts include : XXXX XXXX XXXX reporting a charge-off with incorrect status and dates XXXX charged-off account reporting incorrect balance and past-due amounts XXXX XXXX XXXX closed account still reporting past due amounts and inaccurate status XXXX XXXX XXXX ( Collection ) unverifiable account reporting incorrect dates and balance The errors include : Accounts showing charge off or past due that should not be reporting Incorrect balances and inconsistent dates Closed accounts reporting active past-due amounts Accounts not updated or corrected after multiple disputes Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation, correct inaccurate information, and remove unverifiable information. This has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite being paid in full, the account continues to show late payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is falsely accused in my account and putting false information on it. I need that information removed ASAP. It is hurting my credit and holding up my my credit points Im not able to get new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
Date:XXXX Name : ( XXXX XXXX ) Address : ( XXXX XXXX XXXX XXXX ) Collection Agency Name : Shepherd Outsourcing , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Reference NumberXXXX I am sending this letter in response to a letter you sent me on ( XX/XX/year> ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1.

State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must ha delated and removed immediately from my credit t Repost to followers ire attempts to collect this debt must stop.

United States sincerelv. 
( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
This account does not belong to me and is being reported incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Lawyers for credit card company sent out mail to incorrect address. Took me to court unknowingly and won judgement. I only knew this after receiving garnishment letter at employment. I called on Tuesday, XX/XX/XXXX to set up a payment plan with them. Their representative was rude and threatened to continue with garnishment since he did not feel it was sufficient. I explained to him that I was attempting to resolve matter and would file exempt if needed but continue working with them to ensure they didnt garnish. I reported this to HR at my employment along with proof on their payment portal that a payment plan is set and a payment sent out on my behalf. However they are denying any plan is set and moving forward with garnishment. My employment insists they have to comply even after sending in exempt form to lawyers. Not to mention this is from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Top Line Collectors LLC
State: NY

Complaint narrative:
I signed a business lease for a store front with no personal guarantee at all there have been some late payments but they are reporting it as an individual personal lease. It is not that it's a business lease. It's not being reported as a business leave and is completely destroying my credit. I spoke to them they told me dispute it but nothings happened and it's still there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account is not mine and is being inaccurately reported on my 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 2025-11-15 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: IN

Complaint narrative:
I am submitting this complaint because my TransUnion credit file contains widespread, systemic inaccuracies across almost all accounts. I am attaching my full TransUnion report ( generated XX/XX/year>, File Number XXXX ) as evidence. The majority of accounts on this report are incorrect, outdated, re-aged, unverifiable, or do not belong to me. 

The errors include : Numerous charge-offs and collections reporting without validation Accounts reporting past the 7-year limit Possible mixed-file issues due to multiple names and old addresses Re-aged accounts resetting delinquency dates Completely inaccurate balances and dates Duplicate accounts Previously disputed accounts still reporting incorrectly Incorrect bankruptcy influence despite my XXXX  XXXX being dismissed Several factoring company accounts I never opened Multiple credit card accounts that do not match my records This violates the Fair Credit Reporting Act, including but not limited to : FCRA 602, 607 ( b ), 611, and 623.

I am requesting that CFPB require TransUnion and all furnishers listed in the attached report to : Provide documentation verifying the accuracy of every account Remove or correct all inaccurate, re-aged, unverifiable, or non-matching entries Remove duplicate or outdated negative items Remove information reporting past the legal time period Provide written results of all reinvestigations Conduct a full mixed-file investigation due to the number of names/addresses attached to my profile The inaccurate reporting is preventing me from obtaining housing, credit, and basic services, and it is causing severe financial harm.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I am a victim of XXXX  XXXX, and the person who harmed me was arrested. I am currently living in a XXXX  XXXX safe house for protection. During this situation, unauthorized transactions were made on my Avant credit card without my knowledge, permission, or consent. 

I did NOT authorize these charges, did NOT give anyone my PIN, and did NOT make the purchases myself. I provided Avant with police report numbers, documentation of the XXXX  XXXX incident, and proof that I am in a safe house. These unauthorized charges were made during the period of abuse while I was under threat and had no control of my personal items.

I requested information from Avant about how these transactions were approved and the status of my fraud dispute, but I have not received a clear or satisfactory response. Avant has not resolved my dispute, has not explained how the card was used without my authorization, and has not refunded the fraudulent charges.

I am submitting this complaint because the charges are fraudulent, I am a documented DV victim, and I need Avant to properly investigate and reverse the unauthorized transactions.

Company response to consumer: Closed with explanation