vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
To whom it may concern, I am writing to formally request a copy of my consumer report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C XXXXg. I recently applied for housing, and believe your agency may have provided a tenant screening report about me to the property owner or manager. I would like to review the information contained in that report to ensure its accuracy and completeness. I provided my personal information to assist in locating my file. Please mail the report to the address provided or let me know if additional documentation is needed to verify my identity. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Account Portfolio Recovery Associates I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account Portfolio Recovery Associates as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute and cease-contact letter to Tower Loan regarding their negative credit reporting and unresolved account issues. I received a system-generated email the same day stating my complaint was solved and being handled by a representative. 

However, despite giving them 14 days to respond in writing ( a deadline which passed on XX/XX/XXXX ), I have received no formal reply, no debt validation, and no resolution of the disputed credit reporting. As of today, XX/XX/year>, the negative tradeline remains on my reports with no justification or communication. 

I made it clear I am on the verge of bankruptcy, and their reporting already cost me a {$60000.00} investment opportunity. I believe their failure to respond in good faith after acknowledging the complaint shows a disregard for my rights under the FCRA and for basic fairness in consumer credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BetterNOI, LLC
State: PA

Complaint narrative:
To whom it may concern, I am writing to formally request a copy of my consumer report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681g. I recently applied for housing, and believe your agency may have provided a tenant screening report about me to the property owner or manager. I would like to review the information contained in that report to ensure its accuracy and completeness. I provided my personal information to assist in locating my file. Please mail the report to the address provided or let me know if additional documentation is needed to verify my identity. 


Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Account and Report of Identity Theft Dear Midland Credit I am writing to formally dispute the validity of the account referenced below, which I believe has been opened under fraudulent circumstances due to identity theft. The account details are as follows : - * * Account # : * * XXXX * * * * - * * Account Type : * * Open Account - * * Account Status : * * Derogatory - * * Balance : * * {$380.00} - * * Date Opened : * * XX/XX/XXXX - * * Last Reported : * * XX/XX/XXXX I have reason to believe that this account is a result of identity theft. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e, a consumer reporting agency is required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, under 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including the written instructions of the consumer, which I have not provided. 



Additionally, under XXXX XXXX XXXX XXXX, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without consent. I have not consented to the sharing of my personal information that may have led to the establishment of this account. 



As I have been a victim of identity theft, I request that Midland Credit, XXXX XXXX XXXX XXXX investigate this matter under the provisions of the FDCPA and FCRA. I also demand that you cease collection efforts and remove this derogatory information from my credit report, as it is inaccurate and damaging to my financial health. 



Please provide me with the following : 1. Documentation that verifies the legitimacy of the debt and confirms that I am responsible for this account. 

2. A copy of the procedures followed to verify the accuracy of the information reported. 

3. Confirmation that you will cease collection on this account until this matter is resolved. 



I appreciate your prompt attention to this matter and expect a response within 30 days as stipulated by the FCRA. Thank you for your cooperation. 



Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U S.C. 1681section 604 A Section 2 also stated a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

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 2025-05-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX reported XXXX ( No Data ) for my student loan account from XX/XX/XXXX through XX/XX/XXXX. Despite this, they reported a XXXX-day delinquency in XX/XX/XXXX. That is not possibleper Metro 2 credit reporting standards, a XXXXday delinquency requires XXXX consecutive months of missed payments ( XXXX, XXXX, XXXX, XXXX ), which are not reflected in their reporting. 

This is inconsistent with Metro 2 guidelines and violates the Fair Credit Reporting Acts requirements for accuracy, completeness, and verifiability. I request that this negative reporting be removed or corrected immediately. 

I also have an active CFPB complaint against XXXX related to the same issue. In response to a complaint I submitted in XX/XX/XXXX, XXXX falsely claimed that my autopay was active at the timewhen in fact, it was not. I had documented that autopay was off and that no payments were processing. I contacted XXXX repeatedly throughout fall and winter, but no representative was able to resolve the issue. It wasnt until XX/XX/XXXX, that I finally spoke with someone ( XXXX ) who acknowledged a computer issue and told me he had fixed it. 

XXXX inaccurate explanation in XXXX led to missed payments that were not my fault. Now, their XX/XX/XXXX reporting reflects a XXXXday delinquency without any supporting delinquency history, compounding the damage. The original servicing error and the current credit reporting error remain unresolved. 

In XX/XX/XXXX, after I filed a dispute and autopay had been turned back on by XXXX, I was told for the first time that the original problem stemmed from an XXXX payment in XXXX XXXXand that I was required to re-submit an autopay authorization form to resume payments. However, XXXX never informed me of this requirement at any point during the prior XXXX months, including during my call with XXXX on XX/XX/XXXX. He reinstated autopay without ever mentioning the need for a new form or requesting XXXX from me. 

It appears XXXX is now retroactively assigning blame to me for a process they failed to communicate and did not follow themselves. 

I also want to note that after I submitted disputes to all XXXX major credit bureaus, both XXXX and XXXX  removed the XXXX tradeline entirely when XXXX failed to respond within the required XXXXday window. Experian is the only bureau that continues to report this tradeline, including the unsupported XXXXday delinquency for XX/XX/XXXX. I am requesting that Experian follow the same standard applied by the other bureaus and remove the derogatory information unless XXXX can furnish complete and contemporaneous documentation.

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 2025-05-30 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:
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 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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-05-30 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: CA

Complaint narrative:
b'I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-05-30 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: TX

Complaint narrative:
This morning, I was extremely upset to find an unauthorized inquiry on my credit report with no explanation. I check my report regularly, and this suddenly appeared out of nowhere. I even tried refreshing my browser, hoping it was just a display error, but the inquiry remained. I am seriously frustrated and need the documents I submitted to be reviewed immediately to put an end to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my XXXX loan account referenced below. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), codified at 15 U.S.C. 6802. 



Account in Dispute : Creditor/Servicer Name : [ Insert Loan Servicer Name ] Account Number : [ Insert Account Number ] Reported Late Payments : [ Insert Dates or Range ] I assert that the negative reporting on this account is inaccurate and should be removed for the following reasons : Violation of 15 U.S.C. 6802 Lack of Proper Privacy Notice and Opt-Out Opportunity : Under the GLBA, financial institutions are required to provide consumers with a clear and conspicuous notice of their policies and practices for sharing nonpublic personal information, along with an opportunity to opt out. I was never provided with an adequate initial or annual privacy notice, nor was I given the legally mandated opportunity to opt out of the sharing of my information that may have led to adverse reporting. 

Inaccurate or Misleading Credit Reporting : The reported late payments are either inaccurately documented or the result of internal errors or failure to communicate critical billing or deferment information. I request a thorough investigation and deletion of any derogatory marks found to be inaccurate or unverifiable under the FCRA. 



Please respond within the 30-day period required by law. Failure to correct the error or provide proper documentation will result in further actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal remedies.

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 2025-05-30 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:
To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my XXXXXXXX loan account referenced below. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), codified at 15 U.S.C. 6802. 



Account in Dispute : Creditor/Servicer Name : [ Insert Loan Servicer Name ] Account Number : [ Insert Account Number ] Reported Late Payments : [ Insert Dates or Range ] I assert that the negative reporting on this account is inaccurate and should be removed for the following reasons : Violation of 15 U.S.C. 6802 Lack of Proper Privacy Notice and Opt-Out Opportunity : Under the GLBA, financial institutions are required to provide consumers with a clear and conspicuous notice of their policies and practices for sharing nonpublic personal information, along with an opportunity to opt out. I was never provided with an adequate initial or annual privacy notice, nor was I given the legally mandated opportunity to opt out of the sharing of my information that may have led to adverse reporting. 

Inaccurate or Misleading Credit Reporting : The reported late payments are either inaccurately documented or the result of internal errors or failure to communicate critical billing or deferment information. I request a thorough investigation and deletion of any derogatory marks found to be inaccurate or unverifiable under the FCRA. 



Please respond within the 30-day period required by law. Failure to correct the error or provide proper documentation will result in further actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal remedies.

Company response to consumer: Closed with explanation