vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed items to be remove and deleted company information from XXXX  and Experian. 

XXXX XXXX XXXX BALANCED {$910.00} XXXX XXXX XXXX XXXX BALANCED XXXX {$46000.00} XXXX XXXX  XXXX BALANCED {$26000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3600.00} XXXX XXXX BALANCED {$1200.00} XXXX XXXX  XXXX BALANCED {$1100.00} XXXX XXXX BALANCED {$14000.00} XXXX XXXX  XXXX BALANCED {$1500.00} XXXX XXXX XXXX. XXXX BALANCED {$470.00} XXXX  XXXX XX/XX/2024 XXXX  XXXX XXXX  XX/XX/2024

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am formally requesting validation of the alleged debt referenced in your communication dated [ insert date ]. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

You are hereby notified of the following : 1.Cease Collection Until Validation You must immediately cease all collection activities, including phone calls, letters, and credit reporting, until you have provided the following : The name and address of the original creditor. 
The full amount of the alleged debt with an itemized accounting of all charges, interest, and fees. 
A copy of the original signed agreement or contract bearing my signature. 
Proof that you are licensed to collect debts in [ Your State ] and that you have the legal right to collect this debt.

2.No Assumption of Liability This request should not be construed as an acknowledgment that I owe this debt. I dispute its validity in its entirety unless and until adequate validation is provided.

3.Prohibition Against Continued Reporting Reporting this alleged debt to credit reporting agencies without proper validation will constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

4.Notice of Potential Action If you fail to comply with this request, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the Office of the Attorney General of [ Your State ]. I will also consider pursuing legal remedies for any violations of my rights under federal or state law. 

Please respond within 30 days of receipt of this letter. This request is being sent to you via Certified Mail, Return Receipt Requested, to ensure proof of delivery. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
The inaccurate accounts remain on my credit report despite my concerns, and they have not been deleted. Please examine the attached documents in detail so I can put this matter to rest once and for all.

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 2025-08-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: LA

Complaint narrative:
i have no knowledge of this account. According to section 15 USC 1681C-2 and 1681S-2 you have broken the law by reporting this information on my credit report knowing it is inaccurate. Please remove this fraudulent information from my credit report immediately. Across all XXXX  credit reporting bureas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
I am demanding immediate action regarding multiple fraudulent and inaccurate accounts appearing on my credit report. These accounts do not belong to me and are the direct result of identity theft, where my personal information was used without my consent. I have never had any connection to these accounts, yet they remain on my report despite my prior disputes and submission of an FTC identity theft report, as instructed by Experian. This ongoing inaccuracy is unacceptable, violates my rights as a consumer, and continues to damage my credit and financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I want to file a complaint against XXXX XXXX and experian about the company XXXX XXXXThey put a loan on my credit report that I never took with them and they acquired it from another company and I was never notified and there are inaccurate and inconsistent information on this account and I have requested a copy of the loan and payment history from the company several times and they say they will send it and never do.I have disputed this over and over with XXXX  and asked them to verify the validity and accuracy of the account and when I dispute they just come back very quickly and say we verified when I am sure they didn't and I would like some proof from them on the verification

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1. Public Records Are Not Automatically Reportable Under FCRA While XXXX  filings may be public records, the FCRA 15 U.S.C. 1681e ( b ) requires that all information you report must be complete and accurate. Public record status does not create an exemption from accuracy, verification, or permissible purpose requirements. Reporting simply because a record existswithout strict verification of accuracy and compliance with all consumer protection provisionsis a violation. 

2. Failure to Follow Metro 2 Reporting Standards Under the Metro 2 Format, a XXXX  must be reported with exact compliance to industry data furnisher guidelines, including accurate Compliance Condition Codes, correct Date of First Delinquency ( DOFD ), and removal if unverifiable. If the information you are reporting can not be fully verified to Metro 2 standardsdown to the original source documentationyou must delete it pursuant to FCRA 1681i ( a ).

3. Legal Duty to Use Maximum Possible Accuracy FCRA 15 U.S.C. 1681e ( b ) states :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
To who may it concern, I have recently discovered that I am a direct victim of the Equifax and XXXX data breaches. Upon reviewing my credit report with my attorney, I found several unauthorized accounts. I would like to resolve this issue before pursuing ligation. Please Block and remove these accounts immediately according to FCRA 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
To who may it concern, I have recently discovered that I am a direct victim of the Equifax and XXXX data breaches. Upon reviewing my credit report with my attorney, I found several unauthorized accounts. I would like to resolve this issue before pursuing ligation. Please Block and remove these accounts immediately according to FCRA 605B

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am writing to formally dispute the accuracy and completeness of the information being reported on my credit file by XXXX XXXX XXXX. The account in question is reporting with inaccurate and unverifiable information, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/year>, and again on XX/XX/year>, I submitted formal written requests directly to XXXX XXXX XXXX requesting full debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809, 15 U.S.C. 1692g. To date, they have failed to provide any documentation validating the debt, including : The name and contact information of the original creditor A complete account history showing how the alleged amount was calculated A signed contract or agreement bearing my signature Proof that they have the legal authority to collect the alleged debt Documentation showing the legal assignment or transfer of the account Since no validation has been provided, the account remains unverified. Yet, it continues to be reported to your credit bureau, which constitutes furnishing of inaccurate information in violation of : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation after receiving a dispute FCRA 1681s-2 ( b ) Failure of a furnisher to verify or correct information after notice of dispute FCRA 1681c Reporting obsolete or unverifiable information FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of information reported Impact : This unverifiable account is harming my creditworthiness and causing financial and emotional harm. 

Demand for Resolution : Pursuant to FCRA 1681i and 1681s-2, I demand the immediate deletion of the XXXX XXXX XXXXXXXX account from my credit file. Please provide me with written confirmation that this account has been permanently removed from your records. 

I have enclosed : Copies of my written validation requests to XXXX XXXX XXXX ( dated XX/XX/year>, and XX/XX/year> ) My follow-up letter dated XX/XX/year> Proof of delivery for all correspondence

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-14 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: TX

Complaint narrative:
Dear CFBP, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX  XXXX {$15000.00}, XXXX {$14000.00}, XXXX XXXX {$29000.00}, XXXX XXXX {$29000.00}, XXXX {$4900.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-14 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: TX

Complaint narrative:
Dear CFBP, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX  XXXX {$15000.00}, XXXX {$14000.00}, XXXX XXXX {$29000.00}, XXXX XXXX {$29000.00}, XXXX {$4900.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to comply with the Fair Credit Reporting Act. This is my final attempt to resolve ongoing inaccuracies in my credit file before further escalation. 

I have submitted multiple disputes over the past few months, including my most recent on XX/XX/XXXX, regarding inaccurate and potentially unverifiable accounts. Despite providing proper documentation with each submission, I continue to receive inadequate responses stating that these accounts were verified without the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). 

The disputed accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX The disputed unauthorized inquiries are : XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Despite repeated requests, the bureaus have failed to provide : The specific method of verification used for each item. 

The name and contact details of the data furnisher or furnishers. 

Any documentation relied upon during their investigation. 

This is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). I am requesting that the CFPB take enforcement action to ensure that the bureaus comply with federal law by conducting a full reinvestigation, providing the required method of verification, and removing all unverifiable or inaccurate items. 

If the bureaus do not correct these violations, I will also escalate this matter to the Federal Trade Commission and my XXXX XXXX XXXX, and I will consider legal action to enforce my rights under the Fair Credit Reporting Act.

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