vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
I am filing a formal complaint regarding several closed accounts that are being inaccurately reported on my credit reports by Account info Account name : XXXXXXXX XXXX XXXX XXXX BALANCE : {$550.00} OPENED XXXX PLACED FOR COLLECTION This account is continuing to report with false, outdated, or unverifiable information, violating both the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry compliance standards. I have already disputed these accounts directly with the credit bureaus and requested : The method of verification used to confirm the accuracy of each closed account Full Metro 2 compliance documentation, including : Correct date of first delinquency ( DOFD ) Base Segment integrity Proper condition codes Status and payment history blocks formatted per CDIA guidance Clarification on why these accounts are reporting with negative or outdated data despite being closed The credit bureaus have responded with a generic verified response and have failed to produce any documentation or proof required under FCRA 611 ( a ) and the Metro 2 Format Guide. Additionally, some accounts are reporting inconsistent data across the three bureaus ( i.e., different balances, dates, or statuses ), which is a direct sign of data integrity failure under Metro 2 and FCRA. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and launch an immediate reinvestigation. If the furnishers and credit bureaus can not verify these closed accounts with full Metro 2 formatting compliance and proper documentation, they must be permanently deleted from my credit report. I am attaching : A copy of my credit report showing the closed accounts in question Prior disputes submitted to the bureaus If the furnishers or CRAs fail to produce compliant records or Metro 2 formatting as required, I request full deletion of these unverifiable accounts under federal law. Thank you for your urgent attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
I called about a debt on my credit report. I have the information necessary. I told them the amount of {$130.00} was showing on my credit report. They told me they don't know of that amount or account. Yet they have a account waiting for collection in process with a way higher amount. I asking for a debt validation letter. Was on hold for several minutes with XXXX Until supervisor came on the line. Still to no help about the account showing and hurting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been going through severe financial hardship due to unforeseen circumstances, including the closure of my business, loss of my job and main source of income, and the repossession of my vehicle. My wife is also unemployed, which has made our financial difficulties even worse. I currently owe Synchrony Bank approximately {$7600.00} on an account ending in XXXX. 

I contacted Synchrony Bank by certified mail and explained my situation, requesting to negotiate a lump-sum settlement of {$750.00} in full satisfaction of the account, as I can not afford to pay the full balance. Unfortunately, I have not received any response from them. I am now seeking the CFPBs assistance to help facilitate communication with Synchrony Bank and to reach a fair and reasonable resolution considering my financial hardship.

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 2025-07-11 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: TX

Complaint narrative:
I recently noticed a late payment on my credit report that I believe is inaccurate. My personal records indicate that this payment was made on time.

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 2025-07-11 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: NV

Complaint narrative:
XXXX XXXX XXXX Portfolio Recovery Associates for XXXX XXXX XXXX and XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Portfolio Recovery Associates , LLC ( XXXX ) for what I believe are multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX is currently reporting a collection account on my credit file. I have repeatedly requested that they provide proper debt validation as required under XXXX XXXX Code XXXX of the FDCPA. To date, XXXX has failed to provide sufficient documentation proving the validity of the alleged debt, including : The original creditors name, Proof of ownership or legal assignment of the debt, A signed agreement or contract bearing my signature, A detailed payment history or itemization of the debt. 

Despite the lack of proper validation, XXXX continues to report this account to the credit bureaus, negatively impacting my credit standing. Under FCRA XXXX ( b ), a furnisher of information must conduct a reasonable investigation upon receiving notice of a dispute and must delete or correct any information that is inaccurate or unverifiable. I believe XXXX has failed to meet this obligation. 

Additionally, if XXXX is unable to verify the debt, their continued collection efforts and reporting XXXX also constitute false, deceptive, or misleading representations under FDCPA XXXX. 

I respectfully request the CFPB investigate PRAs actions and require them to : Cease all collection activity unless and until full validation is provided ; Remove the account from all credit reports if the debt can not be properly validated ; Cease reporting any inaccurate, outdated, or unverifiable information ; Provide written confirmation of the results of their investigation and any corrections made. 

This ongoing issue has caused me unnecessary stress, financial harm, and damage to my credit profile. I appreciate your assistance in helping to enforce my rights under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused XX/XX/XXXX and has taken a serious XX/XX/XXXX Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
have been experiencing severe financial hardship due to unforeseen circumstances, including the closure of my business, loss of my job, and the repossession of my vehicle. Additionally, my wife is unemployed, which has further worsened our financial situation. I owe Capital One approximately {$15000.00} on an account ending in XXXX. 

I have reached out to Capital One to explain my situation and sent a written request by certified mail asking to negotiate a lump-sum settlement of {$1500.00} in full satisfaction of the debt, given my inability to pay the full balance. Despite my efforts, I have not received any response from them. I am requesting the CFPBs assistance in facilitating communication with Capital One to reach a fair and reasonable resolution that reflects my current financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX for what I believe are violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX is reporting a collection account on my credit report that I believe is inaccurate, unverified, and damaging to my credit profile. I have submitted requests for validation of the alleged debt, as required under XXXX XXXX Code XXXX ( FDCPA ), but the company has failed to provide adequate documentation proving the validity and legal ownership of the debt. 

Specifically, XXXX XXXX has failed to provide : The name and address of the original creditor ; Proof of assignment or ownership of the debt ; A copy of the signed lease or contract ( if applicable ) ; An itemized breakdown of the debt ( principal, interest, and fees ). 

Despite this lack of proper validation, the account remains on my credit reports, which violates FCRA XXXX ( b ). Under this law, furnishers must conduct a reasonable investigation of any disputed information and remove or correct any data that is inaccurate, incomplete, or unverifiable. 

Additionally, continued collection efforts and reporting without proper validation XXXX constitute a false or misleading representation in violation of FDCPA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-12 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-12 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: FL

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 


* * All these items will be required or under FCRA these illegal items must be removed within 30 days * * An explanation of what this illegal account is for. 

Documentation that shows I agree to pay this illegal debt The agreement that grants you authority to collect on this alleged illegal debt A copy of your state license, including state number. 

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 EquifaxXXXX 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. I 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. 

Remove all negative fraudulent items not associated with me! 

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 XXXX Date Opened XX/XX/XXXX Balance {$550.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$480.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
This letter is to notify you that my credit file contains a collection entry that I do not recognize or acknowledge. I have no relationship with the debt in question, and I firmly believe it to be the result of unauthorized or fraudulent activity.

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