vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: NRA Group, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account that appears on my credit report. The account in question does * * not belong to me * *, and I have * * no knowledge or affiliation * * with the debt being reported. 

Account Name : National Recovey Agency Account Number : XXXX Date Reported : XX/XX/XXXX Credit Bureau ( XXXX ) : XXXX XXXX XXXX  I request that this account be thoroughly investigated and promptly removed from my credit report, as it is inaccurate and does not pertain to me in any way. I am also requesting, under the Fair Credit Reporting Act ( FCRA ), that you provide me with documentation that verifies the ownership and validity of this debt. 

If you are unable to verify this account with appropriate and accurate information, it must be removed from my credit report immediately. 

Please confirm receipt of this letter and inform me in writing of the results of your investigation. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Last XXXX of 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 2025-07-09 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 XXXX XXXX Acct # XXXX XXXX Balance {$8000.00} Subject : Formal Student Loan Dispute and Request for Documentation Under FCRA, FDCPA, and FERPA To Whom It May Concern, I am formally disputing the validity and reporting of a student loan account that appears under my name. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Family Educational Rights and Privacy Act ( FERPA ), as applicable. 

I request the following documentation to verify the legitimacy and enforceability of the alleged student loan : 1. A complete and signed copy of the Master Promissory Note ( MPN ) associated with this loan. 
XXXX. The full chain of assignment, including all transfers and sales of the account from the original lender to the current servicer or creditor, with dates and signatures. 
XXXX. Account-level documentation, including a full payment history, interest calculations, fees, and any deferments or forbearance records applied to the loan. 
XXXX. The forward flow agreement or purchase/sale agreement that governs the relationship between the originator and current servicer/owner, to determine whether you have standing to collect or report this account. 
XXXX. A copy of the authorization under FERPA allowing you to share my student information, including loan data, with any third-party debt collector or credit reporting agency. 

Until this information is provided and the debt is properly validated, I request that you : Cease all collection efforts, including phone calls and written communications. 
Cease any reporting to credit reporting agencies. 
Conduct a full investigation into the accuracy and legality of this account.

Please consider this letter a formal request for validation under 15 U.S. Code 1692g and a consumer dispute under 15 U.S. Code 1681i. 

I expect a full response within 30 days of receipt of this letter. If you are unable to provide the requested documentation, I request that the account be removed from all credit reporting agencies and that any collection activity be ceased immediately. 

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a trade line from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor multiple reasons : - No deposit was collected, and no signed contract or proof of identity verification has ever been provided. 

XXXX XXXX XXXXXXXX representative I spoke with ( XXXX ) confirmed that this account was not sent to collections until more than 3 years later, citing a system conversion from XXXX XXXX to XXXX. 

- The billing records XXXX provided show inconsistencies, such as overlapping billing periods, excessive one-day usage amounts, and a lack of explanation for how multiple accounts were created under my name. 

- No proof was provided showing I was responsible for the specific charges in question. 

- XXXX failed to provide the full usage history, which is essential for confirming the legitimacy of the billed amounts. 

Under FCRA 611 ( a ) and FCRA 607 ( b ), credit furnishers and CRAs must ensure maximum possible accuracy, and if they can not provide documentation, the item must be deleted. 

I am requesting the immediate removal of this account from all consumer reporting agencies, and confirmation that it has been deleted. This debt was not properly validated and should not appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Inaccurate Reporting and Inconsistencies for Portfolio Recovery Account Complaint : I am submitting this complaint to report inaccurate and inconsistent credit reporting related to a collection account from Portfolio Recovery Associates, referencing an original debt with XXXX XXXX. 

Account Details : Creditor Name : Portfolio Recovery Associates Original Creditor : XXXX XXXX. 

Balance : {$2100.00} Date Opened : XX/XX/XXXX Status : Negative Still reporting as open Issues Identified : Inconsistent Dates of Activity and 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 These dates show significant contradictions, which violate the standard of accuracy required under FCRA. 

Payment History Marked as Charge-Off ( CO ) Every Month : XXXX XXXX XXXX show CO ( charge-off ) repeatedly from XX/XX/XXXX to XX/XX/XXXX, which is inaccurate, since a charge-off can only occur once, not continuously each month. 

Terms Reported as XXXX or XXXX XXXX XXXX XXXX XXXX  report XXXX terms, while XXXX XXXXeports XXXX term. This inconsistency suggests data is either incomplete or mishandled. 

Violation of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information.

15 U.S.C. 1681i : Failure to properly reinvestigate disputed data.

15 U.S.C. 1681s-2 ( b ) : Furnishers duty to correct and update inaccurate information after being notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I requested my free annual credit report and I was denied stating I have a dispute in process. A dispute should not block access to my requested credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
In XX/XX/2023, I ordered a new card and spoke with a representative over the phone. During that call, we went over all the transactions from previous months so I could begin the dispute process. 

Unfortunately, I never received the replacement card, which prevented me from accessing my account or contacting XXXX XXXX. Their system requires an active card number to speak with a representative, making it extremely difficult to get any support without one.

For several months, I made repeated attempts to reach XXXX XXXX, but was unsuccessful due to this restriction. As a result, I had to resubmit my disputes even though I had already submitted them months earlier. They now claim I waited too long to file, which is not accurate. The initial disputes were made within the proper timeframe, and I can prove I ordered a new card back in XXXX, which aligns with the timing of my original complaints. 

During the entire period I was waiting for my card, approximately {$2000.00} went missing from my account. Once I was finally able to get through to someone, I again went through the dispute process over the phone, and the representative acknowledged the situation and filed the disputes even though they were over two months old. He understood the delays were due to my inability to access support without a card, and processed the claims anyway.

After waiting some time without seeing any provisional credits, I contacted them again. This time, a different representative told me my disputes were denied because I had waited too long contradicting what I had been told previously. I was instructed to email supporting documents to appeal the decision, but was never provided with a clear list of what documents to send or even an email address to send them to. There seems to be no direct way to contact XXXX XXXX  or XXXX via email for this purpose. 

Additionally, there was over {$800.00} remaining in my account, which they suddenly closed without warning. They refused to allow me to transfer the funds myself and instead sent the money to an unknown account. When I inquired about where the funds went, they repeatedly ignored my requests for clarification and have still not told me whose account received the funds. 


I have attached the letter that was sent by XXXX for expedited shipping I asked for when I first made the disputes and asked for a new card to be shipped to me. It's dated XX/XX/XXXX, XXXX which is in the timeframe allotted for disputing charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
XXXX spoke with XXXX XXXX chat. Requested for electronic authorization to be revoked it was granted. 
XXXX payment coming out today unauthorized. Spoke with 3 different agents all confirming the same. Attempted to be escalated as this is a violation of the contract I signed with them as well as EFTA ( Reg E ) and placed on hold over an hour and 20 min total ( between 3 call attempts ) with no one answering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i. I requested detailed information regarding this account from [ XXXX XXXX prior to the charge-off date. However, I did not receive the necessary documentation or verification of the account 's validity, which prevents me from confirming the accuracy of the reported information. Under the FCRA, I am entitled to accurate and to complete information as well about my account. Their failure to furnish complete documentation or verification of this account before reporting it as a charge-off, constitutes a failure to verify the accuracy of the information. I request also that this account be investigated and, if unverifiable, promptly removed from my credit report. 
Please conduct a thorough reinvestigation and inform me of the outcome in writing. If the account can not be verified, I request its removal from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally requesting that the dispute comment associated with the account ( account name and number ) be removed from my credit report across all applicable credit bureaus. In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have notified the credit bureaus that I am no longer disputing this item, and the continued presence of the dispute remark is now inaccurate and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: OH

Complaint narrative:
I am filing this complaint regarding Self Financial , Inc., which is inaccurately reporting derogatory late payment marks on my XXXX credit report related to a closed secured credit card account. The account was closed and paid off in good standing. I previously submitted a formal goodwill request to have the late payments removed, given my consistent and positive payment history before and after the event. My request was denied without proper justification or investigation. 

This is a secured account, funded entirely by me as the consumer. Self Financial assumed no risk and suffered no loss. The reporting of 30-day and 60-day late payments is excessively punitive given that the company was already secured and ultimately paid in full. 

I have reason to believe that Self Financial failed to provide adequate notice of default or an opportunity to cure the delinquency prior to reporting the late payments, as required by law and industry standards. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). Furthermore, no verification or audit has been provided to demonstrate the accuracy or fairness of the derogatory reporting. 

Additionally, this negative tradeline contradicts the spirit of Section 623 of the FCRA, which requires data furnishers to ensure maximum possible accuracy and fairness in credit reporting. Self Financials refusal to make a reasonable adjustment, especially after my account has been closed and paid in full, is an unjustified act of harm to my creditworthiness. 

I request that the Consumer Financial Protection Bureau investigate this matter and require Self Financial to : Provide evidence of proper notification and opportunity to cure prior to reporting ; Verify all information under FCRA standards ; Remove the 30- and 60-day late marks from all credit reporting agencies ; Cease punitive credit practices inconsistent with the secured nature of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation