vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
Subject : Formal Complaint FCRA Violations and Inaccurate Reporting by XXXX XXXX ( Acct XXXX XXXXXXXX ) I am filing this complaint against XXXX XXXXXXXX for gross violations of the Fair Credit Reporting Act ( FCRA ) based on the enclosed XXXX  report. This account has been reported with multiple errors and inconsistencies that are seriously damaging my credit profile and were not corrected after dispute. 
Violations and Errors : * Charge-Off Date Conflicts : Report shows charge-off in XXXX XXXX, yet lists " Last Payment Date '' as XX/XX/XXXX, and Charge-Off as XX/XX/XXXX. These dates conflict and violate FCRA 623 ( a ) ( 5 ). 
* False Payment History After Charge-Off : Late payments ( 30 to 150 days ) are listed after the charge-off/closure. This is not allowed and constitutes unlawful re-aging.

* Balance Inaccuracy : Balance is shown as {$290.00} after being written off. The account can not simultaneously be charged off and carry a collectible balance. This misleads creditors and violates 623 ( a ) ( 2 ).

* Credit Limit/Utilization Error : Credit limit is reported as {$200.00} but highest balance is listed as {$370.00} a contradiction that distorts utilization ratios. 
* Failure to Mark Account as Disputed : I previously disputed this account, but no consumer dispute remark is present, violating FCRA 623 ( a ) ( 3 ).

* Incomplete Reporting : The monthly payment field is blank, and the " Closed '' status fails to clearly state that the creditor closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
My personal information was exposed in XXXX XXXX XXXX XXXX and my Identity was stolen resulting in fraudulent collections and credit card accounts being added to my report thru Transunion. 

Account 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 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 2025-07-14 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: MI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I sent a written debt validation request to Portfolio Recovery Associates after discovering they were reporting a collection account on my credit reports. They responded, but the documentation they provided was incomplete. Specifically, they did not provide a full chain of assignment proving they own the debt, nor did they provide original account documentation or an itemized breakdown of the balance owed. 

I followed up with a second request for complete validation. As of today, I have still not received sufficient proof that I legally owe this debt or that Portfolio Recovery has the legal right to collect it. Despite this, they continue to report the debt to the credit bureaus, harming my credit standing. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MI

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries that are not mine.

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 2025-07-14 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:
XXXX and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, RE : Formal Demand to Correct and Update Personal Information Under the Fair Credit Reporting Act ( FCRA ) This letter serves as my formal dispute and demand for correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am exercising my legal right to accurate reporting and demand immediate correction of all inaccurate, outdated, and unverifiable personal information in your files.

Please Immediately Update My Correct Information : - Full Legal Name : 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  This is my sole valid address. No other address is current, valid, or associated with me. 

Delete All Inaccurate, Obsolete, or Unverifiable Data : 1. Former or Incorrect Names : Any name variations other than XXXX XXXX XXXX must be permanently deleted. 
2. Inaccurate Addresses : Remove all addresses except my current one listed above. These addresses are no longer valid or never belonged to me. 
3. XXXX XXXX : Delete all listed employers from my file. I did not authorize or verify any employment information to be reported. Employment data is neither required nor relevant and must be removed immediately. 

Legal Notice of Intent to Sue : Under 15 U.S.C. 1681e ( b ) and 1681i ( a ), you are required by law to maintain maximum possible accuracy in your records and to reinvestigate and delete any information that is incomplete, inaccurate, outdated, or unverifiable.

If you fail to comply, I will seek {$1000.00} in statutory damages for each violation, as permitted by 15 U.S.C. 1681n and 1681o, and pursue all available remedies including litigation, injunctive relief, and attorneys fees. 

This letter puts you on official notice. You now have 30 days to complete the investigation and correct or delete the information, or you will be held liable.

Enclosed Documents for Verification : - Copy of government-issued photo ID - Proof of current address ( utility bill, lease, or bank statement ) - Social Security card or identifying document A full corrected copy of my updated credit report must be sent to me upon completion of your reinvestigation. I expect written confirmation of compliance. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: MRS BPO, LLC
State: IL

Complaint narrative:
In XXXX, I cancelled my service with XXXX. Before I had even seen my last bill, I got a text from MRS-BPO regarding XXXX. XXXX had made and unauthorized withdrawal from my checking account and debited the amount back to my account, then contacted MRSBPO. At first, I thought MRS-BPO was scamming me but later found out they do indeed collect for XXXX. I have subsequently attempted to contact MRS-BPO regarding this matter, but they do not answer their phone. The website directs me back to XXXX. When I call XXXX about the matter, the actually transfer me back to MRS-BPO. As stated previously, they do not answer their phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I am writing to express my frustration and disappointment with the handling of my recent account issues and the overall customer service experience I have encountered. 

Recently, I requested a replacement card, which I received and followed the provided instructions to activate. Despite successfully activation of the card, I encountered repeated problems when attempting to reset my PIN and access my account. I contacted Alliant support team multiple times, and each time I was transferred between departments, told I was doing something wrong, and met with unhelpful and rude responses. 

Specifically : - I was advised to have my PIN reset manually after system blocks prevented me from doing so. 
- I was repeatedly told I was not following instructions, despite following the steps provided. 
- My account was unexpectedly blocked, and even after resetting my password, I continued to face issues such as ATM withdrawal declines. 
- Customer service representatives spoke over me and transferred my calls without addressing my concerns properly. 

This experience has been extremely frustrating and unprofessional. The service I received has been rude, unhelpful, and unacceptable. Due to these ongoing issues, I have decided to transfer my funds out of Alliant bank, and I plan to close my account shortly. 


Sincerely, XXXX XXXX XXXX Member at Alliant Credit Union

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I reviewed my credit reports from Equifax, Experian, and TransUnion and discovered that they continue to report inaccurate, obsolete, and unverifiable personal information that does not belong to me or is no longer valid. This includes old addresses, misspelled names and aliases, outdated employer information, and a phone number I do not recognize. I submitted a notarized affidavit, government-issued ID, and proof of address to all three bureaus demanding removal of this information, but they have failed to delete the data or provide proper verification. Their failure to correct or remove this information violates multiple sections of the Fair Credit Reporting Act, including : 15 U.S.C. 1681g Right to accurate disclosure 15 U.S.C. 1681e ( b ) Duty to maintain accuracy 15 U.S.C. 1681i Duty to reinvestigate disputed items 15 U.S.C. 1681b ( f ) Impermissible use of data The continued reporting of this data is resulting in emotional distress, reputational harm, and inaccurate association to accounts that do not belong to me. This information was disputed in writing with supporting documentation, including : Notarized affidavit under 28 U.S.C. 1746 Valid ID SSN Card Proof of current address I am demanding that the bureaus delete and suppress all inaccurate personal identifiers and send written confirmation within the timeframe mandated by law. If not resolved immediately, I will escalate to the FTC, State Attorney General, and pursue civil damages under FCRA 616 and 617 for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I reviewed my credit reports from Equifax, Experian, and TransUnion and discovered that they continue to report inaccurate, obsolete, and unverifiable personal information that does not belong to me or is no longer valid. This includes old addresses, misspelled names and aliases, outdated employer information, and a phone number I do not recognize. I submitted a notarized affidavit, government-issued ID, and proof of address to all three bureaus demanding removal of this information, but they have failed to delete the data or provide proper verification. Their failure to correct or remove this information violates multiple sections of the Fair Credit Reporting Act, including : 15 U.S.C. 1681g Right to accurate disclosure 15 U.S.C. 1681e ( b ) Duty to maintain accuracy 15 U.S.C. 1681i Duty to reinvestigate disputed items 15 U.S.C. 1681b ( f ) Impermissible use of data The continued reporting of this data is resulting in emotional distress, reputational harm, and inaccurate association to accounts that do not belong to me. This information was disputed in writing with supporting documentation, including : Notarized affidavit under 28 U.S.C. 1746 Valid ID SSN Card Proof of current address I am demanding that the bureaus delete and suppress all inaccurate personal identifiers and send written confirmation within the timeframe mandated by law. If not resolved immediately, I will escalate to the FTC, State Attorney General, and pursue civil damages under FCRA 616 and 617 for willful and negligent noncompliance.

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 2025-07-14 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 have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Access Receivables of NC Inc.
State: FL

Complaint narrative:
Access Rec Mgmt continues to call even after being told not a valid debt. Today XX/XX/year>, the called and talked to a sales associate about my account being delinquent for over! XXXX This is against FDCPA for them to discuss with my employees. I do not owe this debt. Have asked them to stop calling and they continue to call and send emails and they discuss personal information with my employees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received notice through my employer that Midland funding was garnishing my wages. I have contacted Midland Funding and advised them that this debt does not belong to me. They have been garnishing my wages for about a year and {$1600.00}. They state there is still a balance of {$1400.00} left. This account was previously disputed and removed from my credit report due to not being an accurate debt. It does not belong to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 explanation
Consumer complaint received 2025-07-14 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief