vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding repeated debt-collection contacts made to my personal phone number that appear to be based on incorrect information. I believe I am being unfairly targeted and I am requesting assistance to stop these contacts and correct the records causing my number to be associated with debts that are not mine. 

Over the past 2 years, I have received text messages and/or calls from one or more debt collection organizations seeking payment for debts that I do not recognize and do not owe. When I asked how they obtained my phone number, I was told that it was shared by XXXX XXXX XXXX. I contacted XXXX XXXX directly, and he has confirmed to me that he never shared my phone number. Please see attached email as confirmation from XXXX XXXX that he did not provide my phone number to any organization. 

Based on the above, it appears that my phone number has been incorrectly linked to someone elses account ( s ) or has been provided to collectors without a lawful or accurate basis. These contacts have caused significant distress and disruption, and I am concerned about ongoing misuse of my personal information. 

I am prepared to provide supporting documentation, including screenshots of the messages, dates/times of contacts, and the names and contact details of the debt XXXX involved. My contact information is listed below. 

Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates , LLC ( PRA ) continues to furnish inaccurate, misleading, and legally defective credit reporting after receiving multiple certified disputes and validation requests. 

This account is reported as originating from XXXX XXXX XXXX XXXX with a balance of {$4300.00}. PRA has reported this same alleged debt multiple times with conflicting account numbers, statuses, dates, and remarks across consumer reporting agencies. 

I submitted a formal validation request and dispute on XX/XX/XXXX, followed by additional certified disputes. PRA failed to provide lawful validation, including : A signed agreement, A complete payment history, A charge-off accounting from XXXX, or A valid chain-of-title. 

Despite this, PRA continued reporting the account and added the harmful notation Dispute Resolved Consumer Disagrees, even though no reasonable investigation was conducted. 

Additionally, PRA is reporting recent activity dates in XXXX, while the original creditors last activity occurred in XXXX, indicating unlawful re-aging of the debt. 

On XX/XX/XXXX, I sent a Final Demand and Notice of Intent to File Regulatory Complaint. PRA continued furnishing the account after that notice, compounding the violations. 

Why is this an issue? 

Conflicting tradelines violate FCRA 607 ( b ) Re-aging violates FCRA 623 ( a ) ( 5 ) False dispute resolved remarks violate FCRA 611 Continued furnishing after notice violates FCRA 623 ( b ) PRA failed to validate under FDCPA 1692g ( b ) PRA is furnishing information it knows or should know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I disputed inaccurate accounts with TransUnion multiple times and also filed a prior CFPB complaint. Despite this, TransUnion continues to report information that is inaccurate and unsupported. 

XXXX ) XXXX account : I did not open or authorize this account. During multiple disputes, the balance and account details changed and were marked verified but updated, demonstrating that the information is unreliable. I submitted an IdentityTheft.gov ( FTC ) Identity Theft Report and requested removal or blocking, but TransUnion continues to report this account after notice. 

XXXX ) Collection account reported by The Bureaus : This collection has already been deleted by both Experian and Equifax after disputes. TransUnion is now the only credit bureau continuing to report this account despite the same furnisher being unable to verify it elsewhere. TransUnions reporting is inconsistent with other national credit reporting agencies and remains inaccurate after notice.

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 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding a deferred-interest promotional purchase on my Comenity credit card account.

I made all required minimum payments on time throughout the promotional period. I unintentionally missed the promotional payoff deadline, after which {$2800.00} in deferred interest posted as a lump sum.

I contacted Comenity customer service, billing, hardship, and a supervisor to request a one-time goodwill adjustment due to the nature of deferred interest and my otherwise positive payment history. These requests were denied.

I am not disputing the validity of the charge or the terms of the promotion. I am respectfully requesting a goodwill executive review to determine whether a partial or full adjustment of the deferred interest is possible, given the sudden lump-sum impact and the absence of any late or missed payments during the promotional period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a victim of fraud multiple times, and my banking institution ( Citibank ) has been processing all transactions without question or notification to me even after being notified that I'd be out of the country on one occasion. After I discovered the issue, I had to call my bank ( Citibank ) to inform them about the matter. There was another occasion in which I was forced to provide my bank with security footage form my home surveillance as proof to dispute their " investigation findings '' denying my claim, when they received my surveillance they then responded to me saying and I quote " we stand behind our initial decision, however will be providing you with a onetime curtesy credit. '' Today XX/XX/XXXX I have yet again had to notify my bank ( Citibank ) of 6 fraudulent transactions that occurred between yesterday XX/XX/XXXX and today XX/XX/XXXX that they missed to flag leaving my account at {$0.00}. Citi bank has informed me that it will take 10 business days for them to determine if I will be provided with a provisional credit or not and 90 days thereafter to conclude their investigation during which time they will determine if I get to keep the credit ( if it is given to me in 10 days ) or if they will take it back.

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 2025-12-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

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 2025-12-24 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: Early Warning Services, LLC
State: NC

Complaint narrative:
ADDITIONAL XXXX XXXX XXXX FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 604 & amp ; 605B, inquiries made without authorization must be deleted immediately. Once an FTC Identity Theft Report is filed, the following laws require deletion, not investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) requires blocking of all fraudulent accounts within 4 business days. Verification is NOT permitted. FCRA 611 ( a ) Requires a reasonable investigation - not automated ; verified & responses. FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results. FCRA 602A Consumers have the right to fair and accurate reporting. FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy. FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose - these did not. FCRA 1681n & amp ; 1681o Liability for negligent or willful violations of consumer rights. 18 U.S.C. 1028 Identity Theft & amp ; Assumption Deterrence Act illegal to use another person 's data. 12 U.S.C. 5531 CFPB authority to intervene and enforce compliance. Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. 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 proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

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 2025-12-23 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: GA

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 non-monetary relief
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-23 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IS SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDITELY

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