vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-14 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: Experian Information Solutions Inc.
State: TX

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I have review my credit report and noticed that Security Credit Services is reporting inaccurate information on my credit report. They have reported that the date of my last payment was XX/XX/2020. This account wasnt open until XXXX.Under the FDCPA Section 1006.18 of regulation F compliance requirement a debt collector can not use any false, deceptive, or misleading statement in connection with debt collection. This includes misrepresentating the amount of the debt or its status. Prohibition of unfair or abusive practice : The FDCPA prohibits unfair and abusive practices, which can include inaccuracies in reporting as part of a large pattern of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and these reporting errors are both unfair and unlawful.

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 2025-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
This complaint concerns how United Wholesale Mortgage/Cenlar handled my loss-mitigation appeal on a VA-guaranteed loan. My appeal decision did not comply with Regulation X ( 12 C.F.R. 1024.41 ( h ) ) : it did not identify each option evaluated, did not give specific eligibility reasons, and did not show an independent reviewer. UWM later informed a VA Loan Technician that my denial was because I was under XXXX  days delinquent and that only VETU loans qualify for review under XXXX  daysstatements that do not appear in any VA servicing guidance and were presented as if they were VA rules. UWM also stated that an appeal is merely a XXXX review of the original underwriters work, which contradicts the independent, substantive appeal review required by Reg X. My appeal letter also contained confusing credit-report/adverse-action language, even though the stated denial reason was the XXXX issue. UWM has refused to correct the defective appeal and instead insists I must re-apply, which does not cure prior noncompliance. I am requesting that CFPB require a corrected, Reg-X-compliant appeal determination and clarification/correction of the unsupported XXXX days/ VETU-only eligibility rule and the adverse-action language.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I write as a documented North Carolina Pro XXXX victim of identity theft arising from both the XXXX  and XXXX  XXXX breaches and my XXXX was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX {$11000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX {$12000.00} XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX {$120.00} XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX {$600.00}

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 2025-11-14 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: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and these reporting errors are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: FL

Complaint narrative:
I am filing this complaint because VANCE & HUFFMAN LLC is knowingly furnishing false, unverified, and incomplete information on a so-called collection account ( XXXX ) with a claimed balance of {$3000.00}. The account is literally labeled Customer disputed account, yet this furnisher has completely ignored federal law and refused to conduct a real reinvestigation as required under FCRA XXXX ( a ). I have been disputing this for well over XXXX  days, and they still have not produced a single document proving this debt belongs to me. 
VANCE & HUFFMAN has failed to provide any legally required validation under FDCPA 809 ( a ) no itemized statements, no contract, no proof of assignment, no bill of sale, no chain of title, and no documentation whatsoever showing who actually owns this debt or whether it is even legitimate. They are reporting a balance with no date of last payment, which violates XXXX and creates a factually impossible reporting scenario. 
Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information it can not verify, yet VANCE & HUFFMAN continues to intentionally report this unvalidated account as a collection. This is not an error this is willful noncompliance with the FCRA, FDCPA, and XXXX, and it is actively damaging my credit profile with information they can not substantiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: DC

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 2025-11-14 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: DC

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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted JPMorgan Chase to prevent an upcoming charge from a company called XXXX. I was facing a medical emergency and needed to stop the payment. I explicitly instructed Chase to issue a stop payment on any ACH transfers from XXXX, and I also canceled the debit card that XXXX had on file.

Despite these documented preventative measures, XXXX charged my account for {$630.00} on XX/XX/XXXX. They did this by using a new debit card number that I had just received from Chase and had never provided to XXXX. 

I filed an unauthorized transaction claim with Chase, explaining that I had taken every possible step to stop this payment. Chase denied my claim, falsely stating that I had " actually authorized '' the charge. This completely ignores their own records of my stop payment request and my debit card cancellation. Chase has failed to protect my account as I instructed. 

Furthermore, when I tried to resolve this and a similar issue, I was treated with extreme disrespect by Chase staff. On XX/XX/XXXX, a Chase representative in the Claims department named " XXXX '' was dismissive, refused to understand my issue, and then hung up on me. 

A second representative named " XXXX '' in a " Reassurance '' department purposely misstated my words, falsely claiming I changed my story about the charge, which I never did. Both representatives were unprofessional and abusive. I am currently dealing with a newborn and a sick family member, and this experience has caused me significant financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CT

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and 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 2025-11-14 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: CT

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and 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 2025-11-14 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:
I am filing a complaint regarding inaccurate credit reporting, failure to investigate disputes, and failure to validate a debt involving TransUnion and XXXX XXXX XXXX for an account reported with a balance of {$3600.00}, opened on XX/XX/XXXX, and last updated XX/XX/XXXX. 

XXXX XXXX XXXX is reporting itself as the Original Creditor, which is false. XXXX is a XXXX-party debt collection company, not the lender. This incorrect designation violates FCRA accuracy standards ( FCRA 1681e ( b ) ) and is misleading.

The account is also being reported as OPEN, which is not a lawful or accurate status for a collection account. A collection account can not legally be reported as an open trade line. This misreporting inflates the negative impact on my credit and is deceptive. 

The remarks on the account are duplicated ( Account information disputed by consumer ), which indicates improper updating and inaccurate data handling. The original creditor is not identified anywhere in the reporting. 

I disputed the account with TransUnion, but TransUnion refused to reinvestigate, stating a prior investigation was done. However, I never received any investigation results, documentation, or evidence. TransUnion did not provide a method of verification, nor did they supply any proof of how the furnisher verified the account. This violates FCRA 1681i ( a ), 1681i ( a ) ( 6 ), and 1681i ( a ) ( 7 ). 

XXXX XXXX XXXX also failed to validate the debt after request. They did not provide : A contract or signed agreement Itemized balance Proof of ownership or assignment Chain of title Billing history Name of the actual original creditor Instead of providing validation, they continued reporting and verifying the account. This violates FDCPA 1692g ( b ) and FCRA 623 ( a ) ( 3 ). 

The combined actions of TransUnion and XXXX have resulted in false, misleading, and incomplete information remaining on my credit file. These violations have harmed my creditworthiness, impacted financial opportunities, and caused unnecessary stress and time loss.

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: OH

Complaint narrative:
I am filing a complaint regarding conflicting and potentially deceptive collection attempts by both Credit Control , LLC and XXXX XXXX XXXX XXXX XXXX . 
I received a letter from XXXX XXXX XXXX dated XX/XX/year>, claiming they now service an alleged debt from XXXX XXXX XXXX. Within the 30nday dispute period, I received a second letter from Credit Control , LLC dated XX/XX/year>, attempting to collect the same debt. 
Both letters contain identical account details but list different companies as the collector. This violates FDCPA 1692g ( b ) and 1692e, including : Attempting collection during an active dispute window Misrepresentation of ownership or authority Multiple entities attempting to collect the same debt Failure to provide proper validation Conflicting contact information and privacy disclosures Attachments : Resurgent collection letter ( both pages ) Credit Control , LLC collection letter My debt validation 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 explanation