vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint because a collection agency is reporting inaccurate information on my credit report. I have disputed the account and requested validation from the debt collector, but they failed to provide proper documentation proving that the debt is valid and that I am legally responsible for it. Despite this, the agency continues to report the account to the credit bureaus. 
This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information reported to credit bureaus be accurate and verifiable. I am requesting that this collection account be removed from my credit reports and that the collection agency cease all reporting and communication until the debt is properly validated. 
PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX ( Original Creditor : XXXX XXXX BANK ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX BANK ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm claims not to pull credit for loans or accounts. However, after managing my Affirm loans responsibly and never missing a payment, I received an unauthorized credit inquiry on my report.

They then restricted my ability to access new loans after issuing a physical Affirm Card in the mail. This sequence is misleading and inconsistent with their advertising and previous statements.

I did not initiate a new loan, I have not defaulted, and yet they pulled my credit and penalized me. Im requesting a review of their credit reporting practices and reinstatement of access based on good faith history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$570.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information Request for Deletion Account Name : XXXX Account Number : XXXX * ( or as shown in my credit report ) XXXX writing to dispute some inaccurate and inconsistent information I found on my credit report regarding the account listed above. After reviewing the details, there are several issues that I believe make this account reporting incomplete and misleading. 

Heres what I found : - The * * date of last payment * * is listed as * * XX/XX/XXXX * *, but the * * last activity date * * is shown as * * XX/XX/XXXX * *. These dates dont line up and suggest errors in how the account is being reported. 
- The account status shows only a * * XXXX late payment * *, but the notes say it was * * sold to XXXX Acquisitions * *, which usually only happens after a charge-off. That inconsistency is concerning. 
- It also says the account was active for * * 0 months * *, which isnt accurate. This account was opened and used, so there should be some reporting on the term. 
- Theres even a typo in the comments section : Purchased by a another lender. That raises questions about whether this information was verified properly. 
- Since the account was sold, Im concerned this could lead to * * duplicate reporting * * if the buyer is also listing it on my credit which would be unfair and potentially damaging.

Because of these issues, Im asking that this account be removed from my credit report. Under the Fair Credit Reporting Act, all information must be accurate, complete, and verifiable and this listing doesnt meet those standards. 

Please look into this and let me know the outcome of your investigation. If the original creditor cant verify the account fully and correctly, I respectfully request that it be deleted from my file. 

Thank you for your time and help. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing multiple hard inquiries reported by Experian that I did not authorize, initiate, or give written or verbal permission for. I did not apply for credit with these companies. Under FCRA 1681b, Experian is not permitted to disclose my credit file to any third party unless I initiate the transaction or provide explicit permission. That never happened.

I contacted Experian and disputed each of the inquiries. They responded with a blanket verified status and provided no proof of authorization, no signed application, and no method of verification. There was no investigation. Just an automated responsemost likely via e-OSCAR.

This is a direct violation of : FCRA 1681b ( no permissible purpose ) FCRA 1681e ( a ) ( failure to use procedures to prevent unauthorized access ) FCRA 1681i ( a ) ( failure to reinvestigate properly ) FCRA 1681n ( civil liability for willful noncompliance ) Some of the inquiries are duplicative, some are linked to auto loan lenders I never contacted, and some are from companies Ive never heard of. I have one legal name, one phone number, and one address. If Experian can not provide original documents showing I authorized each inquiry, they must remove them.

I am demanding : Immediate deletion of all disputed hard inquiries Disclosure of the method of verification used for each Proof that a human reviewed and validated each inquiry Confirmation whether Experian used an automated system ( e.g. e-OSCAR ) If this issue is not resolved, I will escalate it through the Texas Attorney General and the FTC and proceed with civil litigation for willful FCRA violations.

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 2025-07-18 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: Early Warning Services, LLC
State: CT

Complaint narrative:
Name : XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : Bank XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX Bank ( Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-07-18 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$40.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX  Original creditor XXXX XXXXXXXX High balance {$510.00}

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 2025-07-18 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: KY

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$40.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX  Original creditor XXXX XXXXXXXX High balance {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I previously submitted a formal identity theft dispute under FCRA 605B in XX/XX/year> regarding an unauthorized XXXX XXXX account in the amount of {$1400.00}. My dispute package included an FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a credit report from XXXX. The dispute was submitted to all three credit bureaus : XXXX XXXX XXXX XXXX. As a result, the XXXX XXXX account was permanently deleted between XXXX and XX/XX/year>, as clearly documented in my attached XXXX reports for XXXX, XXXX, XXXX, and XX/XX/year>. Additional evidence includes screenshots from XXXX XXXX and the official XXXX mobile app showing the removal of the XXXX XXXX account, including the original account number : # XXXXXXXX XXXX XXXX XXXX XXXX Despite this, in XX/XX/year>, a third-party collector, JEFFCAPSYS, reported a new collection account for the exact same amount ( {$1400.00} ), listing XXXX XXXX as the original creditor and reusing the same debt. This is a direct violation of FCRA 605B ( c ) ( 2 ) ( B ), which prohibits re-reporting of blocked identity theft information unless the furnisher certifies accuracy and the consumer is notified in writing. Neither occurred I received no notification, and no new certification was issued. JEFFCAPSYS is attempting to collect on a debt that was previously invalidated and federally blocked, and this collection must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My Experian shows my name as XXXX but it is XXXX AND XXXX XXXX XXXXXXXX is not at all affiliated with me. It is on my report and I did not deal with or know who that even is.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is continuing to report multiple tradelines and a dismissed XXXX  XXXX bankruptcy that are inaccurate, outdated, or unverifiable. Despite repeated disputes, Equifax responds with automated verified outcomes, providing no method of verification, original documentation, or proper investigation. In at least one case, a bankruptcy has been confirmed deleted by XXXX ( the apparent source ), yet Equifax continues to publish it. Several accounts have also been re-aged to appear more recent, which violates FCRA 1681c ( a ) ( 4 ), Metro 2 guidelines, and Texas Finance Code 392.202.

Equifax has failed to comply with FCRA 1681e ( b ), 1681i ( a ), and 1681i ( a ) ( 5 ), and has not disclosed its verification methods as required by law. These are not minor mistakes ; they are part of a systemic pattern that has been litigated in the past. I have attached a formal letter outlining each violation in detail. I demand deletion or correction of all disputed items and full disclosure of Equifaxs reinvestigation methods. If not resolved, I am prepared to take legal action under FCRA 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wxw Investments, LLC
State: SC

Complaint narrative:
Financial hardship and life issues make it hard to pay back on time. Now I'm getting letters and phone calls daily after agreeing to a certain day to pay. Won't give me time to get back on track

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-18 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 non-monetary relief