vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates is reporting two collection accounts ( account numbers ending in XXXX and XXXX ) across all three credit bureaus XXXX, XXXX, and XXXX. This is my second formal attempt to get these accounts removed after previously disputing them and requesting validation directly from the company. 

When I initially disputed these accounts because I did not recognize them, a Portfolio Recovery representative told me I could just say fraud to process the dispute. I followed that advice at first, but it did not sit right with me. I later sent a follow-up message clearly stating that I am not claiming identity theft or fraud I just do not recognize the accounts and want proper documentation before they continue to report. 

I requested : Full debt validation under FDCPA 809 ( b ) including a signed agreement, full statements, and proof of ownership Method of Verification under FCRA 611 ( a ) ( 7 ) how it was verified, who verified it, and what documentation was used A confirmation that no internal fraud coding or red flags were applied to my file after my clarification Portfolio Recovery never provided any documentation only continued reporting the accounts as verified. That violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, because : They failed to validate the debts They failed to respond to my Method of Verification request They continue reporting without resolving these issues On top of that, they reported the accounts using a bad address ( XXXX XXXX ) that I had previously removed from my credit report. I told them this address was incorrect, and I believe it caused me to miss any original validation letters or paperwork they claim to have sent. Thats on them not me. 

I am now requesting that both accounts XXXX and XXXX be immediately deleted from XXXX, XXXX, and XXXX, due to : Noncompliance with federal law Failure to provide documentation after multiple disputes Use of the wrong address Inappropriate advice from their staff to claim fraud when I wasnt alleging it I am attaching my clarification statement and other proof showing I requested validation and did not get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have obviously been a victim of Identity theft and per 15 USC 1692c the credit reports are costing e thousands of dollars in interest being paid which is unjust and illegal not to mention unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. XXXX - Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. XXXX - Please remove it from my credit report.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-18 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: IL

Complaint narrative:
On the XXXX of XX/XX/year>, I a letter to Equifax Information Services concerning their response on the XXXX of XX/XX/year> about a previous disputed item which stated that they verified and validated the information with XXXX. After speaking with XXXX, they assured me that they ( XXXX ) did not do such a thing. I then reached out to Equifax and via certified mail to inform them of the information I received from XXXX and they ( Equifax ) have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-06-18 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: U.S. BANCORP
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX I AM FILING THIS COMPLAINT BECAUSE I RECEIVED A LETTER FROM US BANK COLLECTING A DEBT THAT REMAINED ON MY CREDIT CARD, BUT THAT DEBT IS BASED ON A FRAUDULENT TRANSACTION, MY CARD AT THAT TIME WAS STOLEN AND USED TO COMMIT FRAUD, THE BANK CLOSED MY CARD BECAUSE OF THAT FRAUD, BUT A CASE HAS NOT YET BEEN OPENED FOR THE FRAUDULENT TRANSACTION, I HAD REPORTED THAT TRANSACTION AS FRAUD IN THE PAST, BUT THE AGENT WHO TOOK THE CASE FROM US BANK OPENED A DISPUTE CLAIMING THAT I DID NOT RECEIVE THE SERVICES, BUT THAT IS NOT THE WAY IT WORKS. MY CARD WAS STOLEN AND COMPROMISED TO COMMIT FRAUD. I DO NOT RECOGNIZE THE MERCHANT OR THE TRANSACTION. 


FRAUDULENT TRANSACTION DETAIL SHOPIFY- XXXX XXXX AMOUNT : {$9800.00} DATE : XX/XX/year>

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 2025-06-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-06-18 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: MI

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. 

FRAUDULENT ACCOUNTS : 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received an email on XX/XX/scrub>/2025 at XXXX XXXX  that an application for the Capital One XXXX XXXX XXXX XXXX was submitted and being processed. The application was not authorized by me, and I did not give anyone permission to submit an application in my name. I do not have a Capital One Credit Card nor do I wish to obtain one anytime in the near future. The application ID is XXXX. The name being used for this application is " XXXX '' which is an old nickname that I do not use and haven't used in over 10 years. I have reason to believe that this application was submitted by the same person that tried hacking into my XXXX account months ago. This XXXX account has the name " XXXX '' associated with it. I called Capital One customer service this morning ( XXXX XXXX  ) at ( XXXX ) XXXX to report the application as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I am writing to formally dispute a late payment listed on my credit report for my Creditor : XXXX XXXX XXXX XXXX XXXX account account number : XXXX, dated : [ XX/XX/year>2025 ]. 
I believe this late payment is incorrect and the result of a billing error. 

As outlined in the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, inaccurate billing details provided by the creditor led to a delay in the payment. This issue has negatively affected my credit report, and I respectfully request that this matter be investigated.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a formal investigation into this late payment. Please verify its accuracy with the creditor. If it can not be verified or is found to be inaccurate, I request that it be removed from my credit report.

Please confirm receipt of this dispute within 5 business days and provide the results of your investigation within the 30-day period as required under the FCRA.

Thank you for your attention to this matter. I look forward to your timely response. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2019, Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/scrub>/2025 I received several emails/correspondences from credit agencies ( XXXX XXXX XXXX XXXX and wells Fargo ) that I was denied a loan, credit cards, etc. I called each creditor to claim this was identity fraud, they closed all the applications and notified me to contact each credit agency. I spoke with XXXX  who placed a security freeze on my credit and told me to get in contact with the FTC which brought me to the CFPB.

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 2025-06-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Once again, I am demanding that you IMMEDIATELY DELETE all unverifiable, inaccurate, and non-compliant data listed below. You continue to report information that fails to meet XXXX XXXX Compliance standards, violates the CDIAs CRRG guidelines, and breaches my rights under Federal law.

The CDIA clearly states : ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. You have failed to maintain complete, accurate, and fully verifiable records as required under : FCRA 15 USC 1681e ( b ) failure to ensure maximum possible accuracy FCRA 15 USC 1681i ( a ) failure to conduct reasonable investigation FCRA 15 USC 1681s-2 ( b ) knowingly furnishing inaccurate information XXXX XXXX Compliance Guidelines failure to report consistent, complete, and accurate data fields I contest the reportability of all accounts listed below. If you are unable to furnish complete, original documentation proving accuracy, permissible purpose, signed authorization, and proper reporting, you are required to DELETE these records without delay. 

Collections Being Challenged : XXXX - XXXX Personal Information Being Challenged : Employer : XXXX XXXX XXXX XXXX Employer : XXXX  XXXX Incorrect DOB : XXXX  Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX NY XXXX Inquiries Being Challenged : XXXX XXXX XXXX - XXXX XXXX  - XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, the address linked to my profile is INVALID and UNDELIVERABLE per the XXXX XXXX Postal Service. I have NEVER resided at that address. Its presence increases my risk for identity theft. DELETE this incorrect address immediately to prevent continued harm and preserve data integrity. 

You are fully responsible for maintaining strict compliance with XXXX XXXX, CDIA, and Federal consumer protection laws. Failure to take immediate corrective action will be treated as continued willful non-compliance, and will be escalated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation