vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681 XXXX : XX/XX/2025, XXXX XXXX XXXX XXXX XXXX XX/XX/2025.

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 2025-06-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-12 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: PA

Complaint narrative:
Dear Transunion I am writing to formally report that I have been a victim of identity theft. I have recently discovered suspicious activity and unauthorized use of my personal information, including a new credit card issued in my name, unfamiliar account, I kindly request your assistance in investigating this matter and taking immediate action to secure my personal data and prevent further misuse. I am attaching relevant documents including a copy of my ID, proof of address, and any supporting evidence. 

Please let me know the next steps required from my side. 

Thank you for your urgent attention. 

Sincerely,

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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates ( XXXX ) is attempting to collect and report an unvalidated debt in violation of multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I submitted multiple written debt validation demands via certified mail ( on XX/XX/XXXX, and XX/XX/XXXX ), which were either ignored or met with a non-compliant response that failed to provide : ( XXXX ) proof of ownership of the debt through a complete chain of assignment from the original creditor to XXXX, ( XXXX ) a copy of the original signed contract creating the debt obligation, and ( XXXX ) a full and accurate accounting of the alleged balance owed all required under 15 U.S.C. 1692g ( b ), 1692e ( 10 ), 1692e ( 8 ), 1692f ( 1 ). 

Despite XXXX  failure to validate the debt, they are currently reporting this disputed and unvalidated debt to all three major credit reporting agencies ( XXXX XXXX XXXX XXXX ). This ongoing reporting is inaccurate and misleading under both FDCPA 1692e ( 8 ) and FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i. XXXX  conduct is knowingly causing continued harm to my credit profile and financial standing. 

XXXX  responses omit the necessary legal documentation to establish any lawful right to collect or report this debt. Under established case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a debt collectors failure to produce material documentation to substantiate their claims constitutes an unfair and deceptive practice under 1692e and 1692f. Continuing to report such a debt to the credit bureaus without proper validation further violates the accuracy and reinvestigation duties imposed by the FCRA. 

I respectfully request that the CFPB enforce corrective action, including : requiring XXXX to immediately delete this unvalidated account from all credit reporting agencies ; ordering XXXX to cease all collection activity unless and until full and lawful validation is provided ; initiating a review of XXXX  collection and credit reporting practices, which fail to comply with both the FDCPA and FCRA ; ensuring that XXXX is held accountable for continuing to publish inaccurate and disputed information across the consumer credit reporting system. 

Consumers deserve protection from coercive collection tactics and from having unvalidated, inaccurate debts falsely reported on their credit profiles in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KeyBridge Medical Revenue Management
State: NV

Complaint narrative:
Account XXXX XXXX XXXX # # # # # # # # # # # # # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account # # # # # # # # # # # # # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-06-12 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts and inquiries : XXXX. XXXX XX/XX/XXXX {$420.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and public records appearing on my consumer XXXX credit report.Here is a list of the following hard inquiries in question, XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX. Ihave also included a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, public records, collections, or hard inquiries as reported. The aforementioned accounts, collections, public recordsand hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, public records and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-12 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report. 

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report. 

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 non-monetary relief
Consumer complaint received 2025-06-12 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: MI

Complaint narrative:
This letter is to formally request the removal of all negative information from my credit report due to my active military service. I was a XXXX XXXX in the XXXX XXXX XXXX XXXX United States XXXX XXXX and was on XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I am writing to assert my rights under the XXXX XXXX XXXX XXXX ( XXXX ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the XXXX allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX service.

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 2025-06-12 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: MI

Complaint narrative:
This letter is to formally request the removal of all negative information from my credit report due to my active military service. I was a XXXX XXXX in the XXXX XXXX XXXX XXXX United States XXXX XXXX and was on XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I am writing to assert my rights under the XXXX XXXX XXXX XXXX ( XXXX ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the XXXX allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX service.

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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I dispute the following public record on my TransUnion credit report : - Type : Bankruptcy - Filing DateXXXX - Case/Court : Case XXXX, XXXX XXXX, Oklahoma This record is no longer verified by XXXX, as confirmed by its absence from my XXXX  and XXXX  reports. Under the FCRA, you must remove unverified data. 

Please delete this item immediately and provide an updated 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 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX CFPB Complaint ID # XXXX SPS Acc # XXXX Attn : SPS- Select Portfolio Serving, INC. 
Relationship - Manager XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Phone XXXX Website - https : //www.spserving.com Request for Emergency of the recovery funds! 

XX/XX/year> Dear Relationship Manager, I would like to request emergency assistance regarding our recovery funds for the property of XXXX XXXX XXXX XXXX, VA XXXX since it sold on XX/XX/year>, to XXXX XXXX XXXX. for {$390000.00} As of right now our family and XXXX children are staying in a family shelter service in XXXX XXXX, Va XXXX. 

We are waiting for our recovery refund to move forward with our lives and need to find a fixed address to register our XXXX children for the upcoming school year. 

We are asking for your help and support for an emergency request to help our family with recovery funds as soon as possible for our XXXX children for a brighter future and for living in a better environment. 

We have never made a single monthly payment for a residence mortgage payment to SPS since last XXXX because we have never signed any documents or agreements with SPS | Select Portfolio Servicing INC . 


The assistance that SPS provides with a Federal Housing Counselor in XXXX does not assist someone who is out of the area and I was pointed to another location in XXXX XXXX XXXX with no solution. 

Our outstanding balance on this property is {$230000.00}. 

The SPS - Select Portfolio Services sold the property for {$390000.00} on XX/XX/year>, to XXXX XXXX XXXX. 

We would like to ask the SPS Relationship Manager for your help and support please return the refunds that were left over of the {$390000.00} so we can move forward with our new journey.

As of right now our family and XXXX children are living in the XXXX XXXX XXXX in XXXX XXXX Va and have reached the lowest income for a family of six according to the U.S Department of Human Services guidelines for low-income families in homelessness situation. 


We are asking the SPS Relationship Manager for your help and support to help us get the recovery refunds as soon as possible and please lift our family and XXXX children out of the deeper poverty situation we are facing right now. 

Thank you very much for your help and consideration in this matter. I look forward to hearing from the SPS Relationship Manager regarding the emergency request for this purpose. I greatly appreciate it. 


Respectfully XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
On XX/XX/year> an account was opened with XXXX using my information. I contacted this company and explained to them Ive never opened an account or given anyone to open an account on my behalf. Since speaking with the company I thought it was investigated and removed from my credit. However XXXX I received a letter from XXXXXXXX XXXX XXXX about this same debt. Ive since submitted an Identity Theft report to get this issued resolved. I am requesting a thorough investigation be performed and this item removed from my credit profile immediately. There are also discrepancies from the company such as my personal information as well that furthermore shows that this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
My name is XXXX XXXX, and Im directly submitting this complaint. Theres no third party involved.

Ive been trying to buy a home, but incorrect credit report entries are in the way. Ive tried to stay patient, but the lack of updates has been disappointing. 
This issue has created stress and delayed important goals. Please act quickly to correct it after reviewing my 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
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and Im directly submitting this complaint. Theres no third party involved.

Ive been trying to buy a home, but incorrect credit report entries are in the way. Ive tried to stay patient, but the lack of updates has been disappointing. 
This issue has created stress and delayed important goals. Please act quickly to correct it after reviewing my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report XXXX : acct. no : XXXX, XXXXXXXX : acct. no : XXXX, XXXX XXXX : acct. no : XXXX, XXXX XXXX XXXX XXXX : acct. no : XXXX, XXXX XXXX  XXXX : acct. no : 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 2025-06-12 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report XXXX : acct. no : XXXX, XXXXXXXX : acct. no : XXXX, XXXX XXXX : acct. no : XXXX, XXXX XXXX XXXX XXXX : acct. no : XXXX, XXXX XXXX  XXXX : acct. no : 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