vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: NJ

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX to Experian, TransUnion, and Equifax, and I believe that this entry is inaccurate. 

The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX  regarding this account should not be included in my consumer credit report. 

U.S. Code 1681a ( 2 ) ( A ) i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : If XXXX XXXX  can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late Payment ( s ) in Question : XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX Thank you for your prompt attention to this matter. I look forward to your response and information that the disputed late payment entry has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
Please remove the following HARD Inquiries which I have not authorized 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 explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX Charged-Off Account To Whom It May Concern : I am disputing inaccurate and misleading information on my Equifax credit file regarding a XXXX XXXX  account that is charged off but continues to report monthly missed payments and derogatory statuses after the charge-off date. 

The account currently reports : Balance : {$1000.00} ( while in charged-off status ) XX/XX/XXXX : Late Payment notation XXXX XX/XX/XXXX : Late Payment notations XX/XX/XXXX : Derogatory status This practice is factually inaccurate and legally impermissible under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) because once an account is charged off, no new late-payment notations should be added for subsequent months. The continued month-by-month reporting of missed payments after charge-off misrepresents the accounts status, re-ages the debt, and falsely portrays an ongoing delinquency that does not exist.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. 15 U.S.C. 1681i ( a ) requires Equifax to conduct a reasonable reinvestigation of disputed information and delete or correct it within 30 days. 

Case law supports my position : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, No. XXXX JLS ( DHB ), XXXX XXXX XXXX ( S.D. XXXX. XX/XX/XXXX ), the court found that reporting new late payments after charge-off can be misleading and potentially actionable under the FCRA. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that misleading credit reporting that creates a materially false impression of a consumers payment status violates the FCRA. 

Demand for Action : 1. Conduct a full reinvestigation of this XXXX XXXX account. 
2. Remove all inaccurate late-payment notations and derogatory statuses that appear after the official charge-off date.

3. Correct the account history to accurately reflect the true payment status and balance.

4. Provide the method of verification used to substantiate the current reporting.

5. Issue an updated credit report reflecting the corrected and accurate reporting.

Failure to comply with the FCRA will leave me no choice but to pursue all available remedies, including complaints to the Consumer Financial Protection Bureau and potential legal action for statutory and actual damages under 15 U.S.C. 1681n & 1681o. 

This letter serves as formal notice under the FCRA. Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Currently I have an judgement/eviction on my rental history from a property that should not be there and its hindering me from finding a place to live. I have filed a set aside motion, sent letters to the property, lawyer and collection company and no one has supplied the information that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
While attempting to settle my account in person, I was informed that my account had already been sold to a third-party collection agency. I also requested to dispute the account status during that visit but never received any follow-up or resolution from XXXX XXXX. This lack of communication and failure to address my dispute has caused undue XXXX  and financial harm. I am requesting a full review of my account and that appropriate corrective actions be taken to resolve this matter fairly. 

I am submitting this claim because I was provided with misleading and incorrect information by XXXX XXXX regarding my account. Due to this misinformation, my account was wrongfully sold to a thirdparty collection agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MA

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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/2020 - Balance : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES is reporting unauthorized and fraudulent collection account on my XXXX  report, XXXX  report, & XXXX  report, that has been confirmed as FRAUD BY THE ORIGINAL CREDITOR ( ATTACHED IS XXXX  XXXX N.A CORRESPONDENCE. 

PORTFOLIO RECOVERY ASSOCIATES ACCOUNT XXXX XXXX {$350.00} * This account is fraud and does NOT belong to me. 
* I did not authorize this account. 
* ACCOUNT IS a result from identity theft or data compromise stated by original creditor XXXX XXXXXXXX XXXX XXXX 

I DO NOT AND NEVER HAVE EVER HAD ANY XXXX XXXX XXXX XXXX ACCOUNT AND XXXX XXXX XXXX XXXX AGREES. 

If not immediately removed today this violates : * FCRA 1681e ( b ) Failure to ensure maximum possible accuracy * FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information knowingly * FCRA 1681s-2 ( b ) Failure to correct or delete unverifiable info * CFPB Regulation V Failure to respond to disputes properly * CFPB UDAAP standards Deceptive and abusive reporting practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
* * This is not a duplicate request * * I have reviewed your response to my dispute and the documents you provided. While you have asserted that the debt is valid, your documentation still does not fully satisfy the requirements for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 
Specifically : -Bill of Sale Is Generic The Assignment and Bill of Sale you provided is a generic agreement between Rise Credit and NCB Management Services . It does not identify me by name, my account number, or any unique identifiers to prove my alleged account was included in that sale. Without a specific link between my account and the sale, this document does not establish ownership. 

-No Complete Chain of Title You have not provided a complete chain of assignments from the original creditor to NCB Management Services XXXX clearly demonstrates the transfer of ownership for this specific account. 

-Original Agreement Missing While your letter claims you possess the electronically signed loan agreement, this has not been included in the documents I have received to date. I have not been provided with a copy of any original contract or agreement bearing my name and signature ( electronic or otherwise ). 

-Insufficient Itemization The transaction history you provided shows certain payments and charges but does not fully explain how the balance you claim was calculated, including interest accruals, fees, and any post-charge-off additions. 

Failure to Validate Before Reporting Under FDCPA 1692g ( b ), collection activity, including credit reporting, must cease until full validation is provided. Credit reporting an account prior to providing validation violates this requirement. 

For these reasons, your response is incomplete and does not meet your legal obligations under federal law. I continue to dispute this account and request that : All collection activity ceases until complete and specific validation is provided ; and the account be removed from my credit reports with all consumer reporting agencies until such validation is supplied. 

If you believe you have already provided full documentation, I request that you send it directly to me for review, including : -Any legal evidence of your right to collect the debt, -A copy of the original signed ( or electronically signed ) agreement, -A full chain of title with my account specifically identified at each transfer, and -A complete itemization of the alleged debt. 

Furthermore, because you are continuing to report this unvalidated account to the credit bureaus, you are in violation of FCRA 1681s-2 ( b ), which requires furnishers to ensure the accuracy of reported information after a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX Account Reporting Inaccuracies To Whom It May Concern : I am writing to dispute inaccurate information on my TransUnion credit report regarding a closed account with XXXX XXXX The account is incorrectly reporting missed payments for XXXX and XX/XX/XXXX. 

As the account is closed, these reported late payments are factually incorrect and damaging to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., all information reported to credit bureaus must be accurate and complete. 

Specifically : The account is closed, and I dispute the reported missed payments for XX/XX/XXXX and XX/XX/XXXX. 
Reporting late payments after account closure is inaccurate and violates the FCRA. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Additionally, 15 U.S.C. 1681i ( a ) requires TransUnion to conduct a reasonable reinvestigation when a consumer disputes information. 

Case law supports my position : In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), courts held that credit reporting agencies must conduct meaningful reinvestigations when a consumer disputes inaccurate information. 
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court emphasized the duty of furnishers to ensure the accuracy of reported information. 

Demand for Action : 1. Conduct a thorough reinvestigation of this Lead Bank account, focusing on the disputed XXXX and XX/XX/XXXX late payments. 
2. Remove any inaccurate late payment notations for these months.

3. Provide me with the method of verification used to confirm the accuracy of these reported late payments.

4. Provide an updated credit report reflecting corrected information.

Failure to comply with the FCRA will leave me no choice but to pursue all available remedies, including complaints to the Consumer Financial Protection Bureau and seeking damages under 15 U.S.C. 1681n & 1681o. 

Please respond within 30 days as required by law. 

Sincerely, 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 2025-08-09 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: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I have no knowledge of these inquiries on my credit report. It has damaged my credit and its not fair that I have to deal with that. I cant get approved for certain credit cards or loans because of these hard inquiries that makes my credit look as if its delinquent

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 2025-08-09 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: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/year> I submitted a complaint regarding the abuse of discretion by the Capitol One credit card company. The company intern responded with the company needed time to further investigate the matter. I don't believe that is a proper response to warrant closure, denial, ect., to the matter in question. I am now requesting that any account Capitol One has in my name by terminated for fraudulent and abuse of customer information. 
Thanks for your time and consideration!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief