vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phillips & Cohen Associates, Ltd.
State: NM

Complaint narrative:
Phillips & Cohen Associates ( P & C ) is continuing to furnish false, re-aged tradeline data to the credit reporting agencies in connection with a XXXX XXXX  account that was closed and charged off in XXXX. 

Despite multiple certified disputes and active CFPB cases filed against XXXX XXXX  ( CFPB Case # XXXX ) and P & C directly ( CFPB Case # XXXX ), P & C continues to report monthly charge-off ( CO ) notations and refresh the " Date Reported '' through XX/XX/XXXX. This activity violates multiple provisions of the FCRA, including : FCRA 623 ( a ) ( 2 ) P & C is knowingly furnishing information that is inaccurate and outdated.

FCRA 1681s-2 ( b ) Upon receipt of disputes from the bureaus, P & C failed to properly investigate or correct the information within the statutory 30-day window.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) P & C failed to provide the method of verification or supporting documentation upon request.

FCRA 605 ( c ) Re-aging of accounts to falsely extend the reporting period is prohibited. This account was charged off in XXXX, and there has been no new activity to justify continued monthly CO codes or updated Date Reported fields.

Metro 2 Reporting Standards The tradeline continues to show a fixed balance ( {$1500.00} ) with no payments, no activity, and no legitimate collection activity yet derogatory symbols continue to populate monthly. This misrepresents the account as active and delinquent, which it is not.

I have attached : Equifax Credit Report Screenshot showing XX/XX/XXXX CO updates and recent Date Reported field, My original CFPB Complaint PDF ( referencing XXXX XXXX  and initial disputes ), My certified dispute letter sent directly to Phillips & Cohen, demanding verification and documentation, to which they failed to respond. 

These documents clearly demonstrate a pattern of willful non-compliance, especially after being formally notified through the bureaus and through CFPB channels. The account has been in a fixed status since XXXX no payments, no collection attempts, no communication yet Phillips & Cohen continues to manipulate credit reporting fields to reflect ongoing negative activity. This re-aging tactic is used to extend the life of derogatory data beyond its legal reporting window, causing continuous credit harm. 

This is not a matter of opinion its a documented procedural violation of the FCRA, and now a potential basis for a private right of action under FCRA 1681n due to willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: LA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only include information that is accurate, complete, and verifiable. I am formally requesting that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.

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 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed certified dispute letters to Experian, Equifax, and TransUnion. Each packet included my FTC Identity Theft Report, proof of identity, and documentation proving that certain accounts and inquiries on my credit reports are the result of a data breach and identity theft, not legitimate accounts of mine.

Under the Fair Credit Reporting Act ( FCRA ) : * 605B ( 15 U.S.C. 1681c-2 ) requires the credit bureaus to block identity theftrelated information within 4 business days of receiving proper notice and documentation.

* 611 ( 15 U.S.C. 1681i ) requires a reasonable reinvestigation within 30 days and deletion of any inaccurate or unverifiable information. 
Despite providing full documentation and proof of the identity theft, these items remain on my credit reports past the 4-day legal deadline. This is a clear violation of FCRA 605B and 611.

I am requesting that the CFPB compel Experian, Equifax, and TransUnion to immediately delete and block all fraudulent and inaccurate information related to this data breach and identity theft from my credit files, and provide written confirmation of compliance.

Failure to remove these items promptly is causing ongoing harm and constitutes willful noncompliance under FCRA 616617 ( 15 U.S.C. 1681n1681o ).

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
XXXX'Dear CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forwardXXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx. 7XXXX 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 2025-10-06 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: LA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-06 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: LA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/2025 XXXX XXXX XXXX XXXX COMMERCE CENTER XXXX, VA XXXX XXXX : Request for Debt Validation Account # : CAPIT-XXXXXXXXXXXXXX To whom it XXXX concern : I am writing regarding the above-referenced account. I request that you validate this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity and/or amount of the debt and request that you provide the following information in writing : XXXX. The name and address of the original creditor. 
XXXX. A complete, itemized accounting showing how the alleged amount was calculated, including dates, charges, interest, fees, and payments. 
XXXX. Proof that you are licensed to collect debts in Arizona, and provide copies of any license numbers or registrations. 
XXXX. Proof that you are authorized to collect on behalf of the original creditor ( a copy of the contract or assignment showing chain of custody from the original creditor to you ). XXXX. A copy of the original signed contract or agreement bearing my signature that created the alleged debt. 
XXXX. If you claim any judgment exists, provide a copy of the judgment document and details of where and when it was entered. 
XXXX. The name and address of the original creditor ( if different from above ) and the date the debt was incurred. 
XXXX. A statement whether the debt is within the statute of limitations in Arizona ; if you claim the statute of limitations has been tolled, provide documentation supporting that claim. XXXX. Identification of the person who verified the debt and the date of verification. 
While you are validating this debt, I request that you immediately cease all collection activity, phone calls, and reporting to any credit reporting agencies related to this account. If you have reported this debt to any credit bureau, please provide documentation of the date ( XXXX ) and agency ( ies ) notified and remove any negative information until the debt is validated. 
Please send the requested information to the address above. If you can not provide the requested validation, you must cease collection activities and notify any credit reporting agencies to remove any adverse information you reported. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: Credit Corp Solutions Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX RE : Cease and Desist Demand / Debt Validation Request Original Creditor : XXXX XXXX XXXX XXXX. 
Reference Number : XXXX XXXX To Whom It XXXX Concern : This letter is a formal notification that I dispute the validity of the alleged debt referenced above, which you are attempting to collect. I have no knowledge of any such account or debt with the original creditor, XXXX XXXX XXXX XXXX. It is my understanding that this alleged debt was a charge-off purchased by your company, XXXX XXXX XXXX XXXX XXXX XXXX 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am requesting that you provide me with validation of this alleged debt. 

Furthermore, under the FDCPA, I am demanding that you, your company, and any affiliated agencies or attorneys cease and desist all communication with me, my family, and my employer regarding this alleged debt immediately upon receipt of this letter. 

Please be advised that in Nebraska, the statute of limitations for debt on a written contract is XXXX years, as outlined in Nebraska Revised XXXX XXXX. Any legal action to collect on this alleged debt XXXX be time-barred. 

Failure to comply with this cease and desist demand is a violation of federal law. If you continue to contact me, I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Nebraska Attorney General. I will also pursue all legal remedies available to me. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-06 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX SLS RIA - XX/XX/year> XXXX XXXX - XX/XX/year> 2023

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and tracking these transactions where unfeasible. CFPBs finding indicates that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam.

Company response to consumer: Closed with explanation