vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dispute Letter to Loan Servicer XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to XXXX XXXX XXXX Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an executive order to abolish the XXXXXXXX XXXX XXXX XXXX, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to XXXX XXXX. XXXX ( FDCPA ) and XXXX XXXX. XXXX ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within XXXX  days constitutes a direct violation of federal law. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided. 

- A detailed breakdown of loan ownership and servicing rights post-XXXX XXXX XXXXXXXX abolishment. 

- Written confirmation that you will cease reporting this unverified debt to credit bureaus. 

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights. 

Sincerely, 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dispute Letter to Loan Servicer XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to XXXX XXXX XXXX  Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an executive order to abolish the XXXX XXXX XXXX XXXX, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to XXXX XXXX. XXXX ( FDCPA ) and XXXX XXXX. XXXX ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within XXXX days constitutes a direct violation of federal law. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided. 

- A detailed breakdown of loan ownership and servicing rights post-XXXX XXXX XXXXXXXX abolishment. 

- Written confirmation that you will cease reporting this unverified debt to credit bureaus. 

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights. 

Sincerely, 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This is not a duplicate report and this is not file by third-party or credit repair agency in accordance with the fair credit reporting at convergent. These accounts below has violated my rights according to 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604 a section to it also states a consumer reporting agency agency can not furnish an account without my written instructions. 


Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Furthermore, please provide the following 1. The original contract with my signature on it 2. creditor information, ( name, address, and phone number of original merchant ) 3 The payment history and itemized billing associated with each account 4. Proof of ownership ( proof that the company trying to collect this debt has authorization to do so ) if you cant provide these four things, please delete these accounts from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This is not a duplicate report and this is not file by third-party or credit repair agency in accordance with the fair credit reporting at convergent. These accounts below has violated my rights according to 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604 a section to it also states a consumer reporting agency agency can not furnish an account without my written instructions. 


Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Furthermore, please provide the following 1. The original contract with my signature on it 2. creditor information, ( name, address, and phone number of original merchant ) 3 The payment history and itemized billing associated with each account 4. Proof of ownership ( proof that the company trying to collect this debt has authorization to do so ) if you cant provide these four things, please delete these accounts from my credit report. Thanks.

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 2025-05-04 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2025-05-04 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: OH

Complaint narrative:
XX/XX/XXXX None of these addresses was ever tied to my name. I have updated my address to the current one which I've been here over 10 years with all credit bureaus. Remove these illegal accounts not tied to me under FCRA and FTC Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX Equifax, and XXXX XXXX am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX XXXX XXXX  report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  this account has no reporting date of when was opened nothing and under FTC and FCRA needs to be removed. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
RE : CFPB Complaint Response XXXX  Account Ending in XXXX To Whom It May Concern, Thank you for your response. However, I must dispute the findings and position of Portfolio Recovery Associates , LLC ( PRA ) for several legal and factual reasons : 1. Failure to Properly Validate the Debt Under 15 U.S. Code 1692g ( b ) I have never received a proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ). PRA claims it purchased the account and sent an initial letter on XX/XX/XXXX. However, I never received this notice, and therefore my right to request validation has not expired under 15 U.S.C. 1692g ( a ) - ( b ), which allows a consumer to dispute a debt within 30 days of receiving notice.

Furthermore, PRA claims that because I disputed the debt through a credit bureau, it is not required to provide validation. This is incorrect. The FDCPA is independent of the FCRA, and a consumer 's request for validation under 1692g is not waived or negated by filing a dispute via the credit bureaus. 
2. Insufficient Method of Verification Under FCRA 15 U.S. Code 1681i ( a ) Merely confirming name, SSN, and balance is not proper " reinvestigation '' under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The credit bureaus and data furnishers must conduct a reasonable investigation. Case law such as XXXX v. XXXX XXXX Bank, NA, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) holds that merely matching identifiers is not enough to constitute a reasonable reinvestigation. 

If XXXX believes I owe this debt, it must prove : A valid contract bearing my signature ( with XXXX ), A complete account history showing the transactions leading to the balance, That PRA owns the debt with a valid chain of title, and That I was properly notified of the debt and afforded my right to dispute. 

To date, none of these have been provided. 
XXXX. Unauthorized Credit Reporting Violation of FCRA PRA states that my permission or consent are not required to report information. While this is partially correct under 15 U.S.C. 1681b ( a ) ( XXXX ) ( A ) ( permissible purpose in connection with collection of a debt ), that purpose must be valid and lawful. If the debt is inaccurate or disputed without proper validation, PRA lacks a valid basis to continue reporting it. 

Moreover, the absence of a contract or documentation confirming my responsibility calls into question the accuracy of the account. Continued reporting of unverifiable or inaccurate data violates 15 U.S.C. 1681s-2 ( b ).

4. Preservation of Rights and Notice of Further Action I did not authorize PRA to report anything on my credit report, and since no contract or documentation tying me to the XXXX account has been provided, I maintain that the reporting is unauthorized and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Central Portfolio Control , Inc has not removed paid debt from my credit report. 
Balance of medical bills amounting to {$650.00} was paid on XX/XX/year>.

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

Complaint narrative:
I am writing to file a dispute regarding the inaccurate reporting of my credit report by [ XXXX ]. This dispute concerns the erroneous reporting of a paid-off credit card as being in a negative status, which is both incorrect and unfairly impacting my credit score. THIS ACCOUNT WAS SETTLED/PAID IN FULL Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have my credit report accurately reflect the true status of my accounts. Section 1681i of the FCRA requires credit reporting agencies to investigate any disputes regarding the accuracy of information on a credit report and to correct any inaccuracies that are not verified. 
Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits the reporting of inaccurate information related to debt settlements or accounts that are paid off. By inaccurately reporting a paid-off account as negative, the creditor has failed to comply with these consumer protection laws.

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 2025-05-05 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: NY

Complaint narrative:
I am writing to file a dispute regarding the inaccurate reporting of my credit report by [ XXXX ]. This dispute concerns the erroneous reporting of a paid-off credit card as being in a negative status, which is both incorrect and unfairly impacting my credit score. THIS ACCOUNT WAS SETTLED/PAID IN FULL Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have my credit report accurately reflect the true status of my accounts. Section 1681i of the FCRA requires credit reporting agencies to investigate any disputes regarding the accuracy of information on a credit report and to correct any inaccuracies that are not verified.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits the reporting of inaccurate information related to debt settlements or accounts that are paid off. By inaccurately reporting a paid-off account as negative, the creditor has failed to comply with these consumer protection laws.

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

Complaint narrative:
I am writing to file a dispute regarding the inaccurate reporting of my credit report by [ XXXX ]. This dispute concerns the erroneous reporting of a paid-off credit card as being in a negative status, which is both incorrect and unfairly impacting my credit score. THIS ACCOUNT WAS SETTLED/PAID IN FULL Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have my credit report accurately reflect the true status of my accounts. Section 1681i of the FCRA requires credit reporting agencies to investigate any disputes regarding the accuracy of information on a credit report and to correct any inaccuracies that are not verified.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits the reporting of inaccurate information related to debt settlements or accounts that are paid off. By inaccurately reporting a paid-off account as negative, the creditor has failed to comply with these consumer protection laws.

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 2025-05-04 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card. Closed XXXX XXXX XXXX balance I disputed and called this account is not mine never belonged to me and not my correct information ihave no knowledge of this inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XX/XX/XXXX XXXX navy federal credit union credit credit card. Closed XXXX XXXX XXXX balance I disputed and called this account is not mine never belonged to me and not my correct information ihave no knowledge of this inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation