vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : Account XXXX XXXXXXXX Amount {$1900.00} Notice to Remove Collection from Credit Report To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced account that your company has reported to the credit reporting agencies. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. 
Be advised of the following : A copy of a bill or statement is not proper verification or validation of debt. Courts have consistently ruled that debt collectors must provide competent evidence of the debt, including the original signed contract and a complete account-level breakdown ( flow sheet ) showing the full chain of ownership and transactions. 
I demand a copy of the security agreement/contract between your agency and the original creditor that grants you the legal right to collect on this account. Without proof of such an agreement, you have no legal standing to pursue or report this alleged debt. 
If you are unable to provide proper validation, including but not limited to : A copy of the original signed agreement bearing my signature, A complete payment history and accounting of the alleged debt, Documentation proving you have legal standing and assignment of this debt, The security contract or service agreement between your agency and the original creditor, then you must immediately cease collection activity and request deletion of this account from all credit reporting agencies ( TransUnion, Equifax, and Experian ). 
Continued reporting of unverified or inaccurate information to any credit reporting bureau constitutes a direct violation of the FCRA 623 and the FDCPA. If this account is not removed, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney XXXX XXXX, in addition to pursuing civil remedies. 
This letter serves as my formal demand that you either : Provide full, proper validation of this account as outlined above, or Immediately remove all reporting of this account from my credit files. 
You are hereby notified that failure to comply within XXXX  days will result in further action to enforce my rights under federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-08-21 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts 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 Incorrect Personal XXXX XXXX XXXX XXXX XXXXncorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX FL XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX Incorrect Personal XXXX has violated my rights XXXX 

I looked at my credit bureau EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within XXXX business days.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has my last name spelled incorrectly and my Social Security Number recorded with one wrong digit. These clerical errors caused my account ( ending in XXXX, XXXX, XXXX, XXXX ) to be blocked and my high credit limit revoked journey identity, the time of my life, where everything was reported to the FTC and including their own internal processes, IRS and all other regulatory agencies with proven documentation of the identity, theft, and selling of my information from XXXX XXXX and police reports. I provided them with the proof via email was sent directly from them and Ive called over the course of the past XXXX years and nothing has been done. I provided government ID, Social Security card, and proof of address multiple times, but Capital One has not corrected its records. 

Due to the nature of Capital One recorded my last name incorrectly and my Social Security Number off by one digit. Despite providing proof ( government-issued ID, Social Security card, proof of address ), Capital One has failed to correct these errors. 

Because of this, my {$30000.00} credit line was revoked, two other cards remain open under the wrong name/SSN, and I have been denied proper billing statements. This caused financial harm, higher out-of-pocket costs, and emotional distress during the time of my daughters passing. 

I believe this violates the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA/FCBA ), and Equal Credit Opportunity Act ( ECOA ). I am requesting correction of my records, reinstatement of my account and limit, copies of all billing statements ( up to 7 years ), and compensation for actual and punitive damages due to Capital Ones reckless disregard for my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
EXPERIAN FAILED TO PROPERLY INVESTIGATE A DISPUTE, REPORTING INACCURATE INFORMATION, FAILING TO PROVIDE DISCLOSURES, NOT RESPONDING WITH THE REQUIRED 30 DAY WINDOW. THE BELOW ACCOUNTS ARE STILL SHOWING ON MY CREDIT PROFILE :

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 2025-08-21 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: GA

Complaint narrative:
EXPERIAN FAILED TO PROPERLY INVESTIGATE A DISPUTE, REPORTING INACCURATE INFORMATION, FAILING TO PROVIDE DISCLOSURES, NOT RESPONDING WITH THE REQUIRED 30 DAY WINDOW. THE BELOW ACCOUNTS ARE STILL SHOWING ON MY CREDIT PROFILE :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IN

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Radius Global Solutions is reporting a collection tradeline ( acct ending XXXXXXXX XXXX {$110.00} balance ) that was opened XX/XX/year> and last updated XX/XX/year>. I disputed this item with XXXX and the credit bureaus. XXXX did not provide proper validation and continues furnishing information that is inaccurate or unverifiable. 
Problems and violations No reasonable investigation / failure to validate : After my disputes, XXXX  did not provide the original signed contract, complete payment history, Date of First Delinquency ( XXXX  ) from the original creditor, or the chain of title/assignment proving it has the right to collectrequired under FDCPA 15 U.S.C. 1692g ( b ) ( validation ) and FCRA 15 U.S.C. 1681s-2 ( b ) ( reasonable investigation after a bureau dispute ). 
Missing or non-uniform XXXX XXXX reporting : XXXX has not substantiated core XXXX XXXX elements ( e.g., account status, XXXX, current balance vs. past-due, original charge-off amount, creditor classification/ownership, and dispute coding ). Continuing to update the tradeline without fixing these defects violates accuracy/integrity duties. 
Bureau responsibilities : The CRAs must assure maximum possible accuracy and delete unverifiable information after reinvestigation ( FCRA 1681e ( b ), 1681i ). That has not occurred here.

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 2025-08-21 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: SD

Complaint narrative:
It was requested that Ally transfers title to XXXX XXXX as I have refinanced. I have requested the assistance because in further investigation Ally has struggled with title transactions. I have already waited a week for the transaction but nothing has happened. Customer service has been contacted, but no response or actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
What Happened? 
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXXXXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION Legal Basis for Removal XXXX Under the FCRA, specifically Section 604 ( 15 U.S.C . 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX, XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX  XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

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 2025-08-21 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: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions is reporting a {$680.00} collection account that does not belong to me. According to my credit reports, the account was opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. The account is listed as Placed for collection and tied to me individually, but I have never entered into any contract or agreement with this company or any original creditor for this debt. 

I have disputed this account with the credit bureaus and requested proper validation directly from Bull City Financial Solutions under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). I specifically requested a copy of the original signed contract and verification of their authority to collect. To date, no such proof has been provided. 

By continuing to report and attempt collection without providing validation, Bull City Financial Solutions is violating both the FDCPA and the Fair Credit Reporting Act ( FCRA ) : FC

RA 609 ( a ) ( 1 ) : Right to request the source and proof of information. FCRA 611 ( a ) : Right to dispute and have inaccurate or unverifiable accounts removed.

FCRA 623 ( a ) ( 1 ) : Furnishers may not report information they know, or should know, is inaccurate.

FDCPA 809 ( b ) : Debt collectors must provide validation upon request and cease collection until then.

This account is inaccurate, unverified, and damaging to my credit profile.

Resolution I am requesting : Immediate removal of this account from all credit bureaus ( XXXX, XXXX, and XXXX  ). 

Written confirmation that Bull City Financial Solutions will cease all collection and reporting activities related to this account. 

XXXX that no further attempts will be made to collect on this unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
This company is violating my rights and failed to validate my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them, and my rights are being violated. I'm entitled to {$1000.00} for every violation listed. This company needs to either pay me or delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a {$680.00} collection account that does not belong to me. According to my credit reports, the account was opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. The account is listed as Placed for collection and tied to me individually, but I have never entered into any contract or agreement with this company or any original creditor for this debt. I have disputed this account with the credit bureaus and requested proper validation directly from XXXX XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). I specifically requested a copy of the original signed contract and verification of their authority to collect. To date, no such proof has been provided. By continuing to report and attempt collection without providing validation, XXXX XXXX XXXX XXXX is violating both the FDCPA and the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) : Right to request the source and proof of information. FCRA 611 ( a ) : Right to dispute and have inaccurate or unverifiable accounts removed. FCRA 623 ( a ) ( 1 ) : Furnishers may not report information they know, or should know, is inaccurate. FDCPA 809 ( b ) : Debt collectors must provide validation upon request and cease collection until then. This account is inaccurate, unverified, and damaging to my credit profile. Resolution I am requesting : Immediate removal of this account from all credit bureaus ( XXXX, XXXX, and Experian ). Written confirmation that XXXX XXXX XXXX XXXX will cease all collection and reporting activities related to this account. XXXX that no further attempts will be made to collect on this unverified debt.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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