vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXXDraft CFPB Complaint StatementXXXX XXXX XXXX XXXX I sent a certified Debt Validation Letter to Portfolio Recovery Associates, LLC under 15 U.S.C.  1692g. XXXX  Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX confirms delivery on XXXX XXXX XXXX. The letter asked for:XXXX. A copy of the original signed agreement or application, clearly showing your signature.XXXX. Complete documentation outlining every entity that has purchased, transferred, or sold the debt, clearly identifying each transaction.XXXX Full itemized statements from the original creditor detailing charges, interest, payments, adjustments, and fees made by both myself and the original creditor from inception to present.XXXX. Proof that you have legal authority to collect this debt, including documentation showing transfer of ownership from the original creditor.XXXX. Copies of all correspondence between you and the original creditor related to the debt.XXXX. A copy of the original written notice declaring the debt in default or charged-off, including date sentXXXX. Verification that the statute of limitations on the debt has not expired, based on your states laws.XXXX. Verification that the collection agency and current creditor are licensed and authorized to operate and collect debts in your jurisdiction.XXXX. A notarized affidavit by a qualified representative stating the debt is valid, accurate, and legally collectible, based on personal knowledge.XXXX. Evidence confirming that the account information currently being reported to credit bureaus matches exactly with the creditors internal records.XXXX. Documentation showing whether the original creditor received any tax write-offs or insurance reimbursements related to this debt, potentially impacting the validity or enforceability of the balance claimed.XXXXThe company never responded.XXXXInstead, on XXXX XXXX XXXX, it reported the alleged debt to XXXX, XXXX, and TransUnion. This new collection entry lowered my credit scores.\n\nReporting a disputed debt without first providing validation violates 15 U.S.C.  1692g(b) and 15 U.S.C.  1681s-2(a)(3).'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
XXXX reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is XXXX XXXX accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-08-04 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: GA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I purchased a pair of shoes from XXXX on XX/XX/year> using my XXXX XXXXGoldman Sachs on XXXX XXXX XXXX XXXX XXXX . The shoes were delivered on XX/XX/year> to the incorrect address. They were signed for by XXXX XXXX a business who claimed to not have the package when I asked them for it. I filed a dispute with XXXX, who upon seeing the signature told me the package mustve been stolen, to which I agreed. On XX/XX/XXXX they sent an email saying they investigated and that the package was delivered to the correct address which was entirely false. I then filed a dispute through my XXXX XXXX on XX/XX/year>. I received an email from Apple on XX/XX/year> claiming that the charge will remain on my account and that there was no error. So overall XXXX has managed to work with Apple and steal {$130.00} from me and deliver no product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX -- {$0.00}

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 2025-08-04 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: FL

Complaint narrative:
This is a formal complaint against TransUnion for continuing to report inaccurate and unverifiable information on my credit report despite disputes submitted under my legal rights. The following accounts are in violation of federal law : XXXX XXXX XXXX XXXX XXXX {$450.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$540.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX multiple late payments, closed/lost or stolen These accounts are being reported without proper verification, validation, or supporting documentation. 

Applicable Laws Violated : * * 15 U.S.C. 1681e ( b ) * * You are required to maintain the maximum possible accuracy.

* * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * You must conduct a lawful and reasonable reinvestigation when notified of a dispute.

* * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * * You must delete or correct information that can not be verified.

* * 15 U.S.C. 1692g * * ( Collections only ) Debt collectors must provide full validation including a signed contract and itemized statements. 

I have never received validation or documentation confirming the legitimacy of these accounts. You have allowed unverifiable third-party reporting without original signed contracts or legal proof of liability. This violates FCRA and FDCPA standards. 

I am demanding immediate deletion of these accounts from my credit file. If not resolved, I will escalate under * * FCRA 616 & 617 * * for willful noncompliance and legal damages.

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 2025-08-04 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: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Reporting of Paid Account To Whom It May Concern, I am writing to formally dispute the continued inaccurate reporting of an account that has been paid in full but remains listed incorrectly by one or more credit reporting agencies ( CRAs ). I request that the Consumer Financial Protection Bureau investigate this matter to ensure my rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

The account in question has been fully paid and settled, yet the credit bureaus have failed to update the account status accordingly. The inaccurate reporting misrepresents my creditworthiness and could affect my ability to obtain future credit. 
Here are the details : Creditor Name : Exeter Account Number : XXXX Payment Status : Paid in full Date of Payment : XX/XX/year> Credit Reporting Agencies Involved : Experian, TransUnion, Equifax Nature of Inaccuracy : account still listed as balance, not marked as paid in full and never late. 
I have contacted the relevant credit bureaus and the original creditor, providing documentation of the payment, but the reporting remains unchanged. This may be a violation of FCRA requirements for accurate and timely updates to credit information. 
Attached are : Documentation confirming the account was paid in full I respectfully request that the CFPB investigate this issue and ensure the credit bureaus and creditor promptly correct the reporting to reflect the accounts true status. 
Sincerely, 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 2025-08-04 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding an unpaid collection account reported by Calvary Portfolio Services, LLC that recently reappeared on my credit report. 

This debt is an old collection that was previously deleted from my credit reports. However, Calvary Portfolio has re-aged and re-reported the debt as new, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Because of this re-aging, the collection is unfairly impacting my credit score, which is causing financial harm and distress. 

I request that Calvary Portfolio immediately : Provide the original date of first delinquency for this account, as required by law Or remove this account entirely from my credit report if they can not provide accurate documentation Cease any further inaccurate reporting of this debt I have already disputed this item with the credit bureaus but have not received a satisfactory response. 

Please investigate this matter promptly and help me ensure my credit report is accurate and fair. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OR

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-08-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts were previously disputed for fraud with Experian. I submitted a valid FTC Identity Theft Report, identification, and supporting evidence. Experian deleted the accounts in prior disputes.

Now, these same accounts have been illegally reinserted on my credit file without any notice, which violates FCRA 611 ( a ) ( 5 ) ( B ). No certification of accuracy from the furnisher was provided to me, and I received no 5day reinsertion notice. 

The accounts in question are : 1. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Balance : {$7300.00} Previously deleted for fraud 2. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Balance : {$8500.00} Previously deleted for fraud 3. XXXX XXXX  Account # XXXX Credit Card Individual Original Limit : {$900.00} / Balance : {$1100.00} Previously deleted for fraud -- - Violations committed : FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion without proper certification and without notifying me within 5 business days.

FCRA 605 ( c ) Illegal reaging to extend the reporting period.

FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

Metro 2 Compliance Violations : These accounts are not reporting to all three nationwide CRAs.

Furnisher failed to use proper Metro 2 XB ( Account in dispute investigation in process ) or XC ( Account in dispute investigation complete ) coding.

Duplicate reporting of the same accounts under different account numbers, balances, and open dates.

-- - Past enforcement action : The furnishers of these accounts have previously been sued by the CFPB for consumer law violations, which demonstrates a pattern of noncompliance. They are repeat offenders.

-- -

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 2025-08-04 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:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NV

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NV

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems have my named spelled incorrectly, XXXX XXXX XXXX XXXX XXXX has constantly reported inaccurate information, they have listed my last payment date is XX/XX/year>, XX/XX/year> and XX/XX/year>. They can not report multiple last payment dates and I didnt even live in the apartments during those times and nor are any of those dates the correct date for my last payment made to them. They also have it reported on my credit that the account is open and closed, it can not be both.

Company response to consumer: Closed with explanation