vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am formally disputing inaccurate information appearing on my credit report regarding the following account : Creditor : XXXX XXXX XXXX Reported Balance : {$11000.00} Date Opened : XX/XX/year> Term : XXXX XXXX  After reviewing the report, I have identified the following errors : XXXX. XXXX XXXX The report lists a balance of {$11000.00}, while the highest balance reported is {$10000.00}. 
Additionally, a civil note received lists the balance at {$8600.00}, which is significantly lower than what the credit report reflects.

2. Contradictory Payment History The report states Youve made 100 % of payments on time but also lists Current Payment Status : XXXX  Days Late. 
It also reports Times late : XXXX. These contradictions can not be accurate.

3. Missing Payment Data The Last Payment field shows No Info. 
If payments were allegedly made or missed, this field must be reported accurately, not left blank.

4. Account Status Confusion The tradeline shows XXXX, yet includes remarks such as XXXX disputes after resolution and Loan modified. 
It also lists Closed : No Info. An account can not simultaneously be open, modified, in dispute, and closed.

5. Premature Negative Reporting The account is only XXXX  months old, yet is already showing as late and modified. This raises concerns of inaccurate or unlawful reporting. 

Please provide me with an updated copy of my credit report after your investigation is completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate and unauthorized items on my credit report These items are negatively impacting my credit score and financial reputation I am protected under the Fair Credit Reporting Act 15 U.S.C 1681 et seq and the Fair Debt Collection Practices Act 15 U.S.C 1692 et seq I request immediate investigation, correction, and removal of all inaccuracies XXXX XXXX Late Payment, High Balance {$470.00}, Date Opened XX/XX/XXXX I dispute the reported late payment. I have always paid on time, and this reporting is inaccurate. Under FCRA Section 611, I request correction of the payment history to accurately reflect timely payments. Reporting a false late payment has damaged my credit reputation and could result in unfair denials of financial opportunities. Documentation and payment history clearly support that no late payments occurred. 
XXXX XXXX XXXX Charge Off, High Balance {$2500.00}, Date Opened XX/XX/XXXX I have no knowledge of this account and dispute its validity. I request deletion of this charge-off under FCRA Section 609 and 611, as reporting an account I do not recognize constitutes inaccurate information. Such erroneous reporting can cause serious credit harm and financial consequences, and it is essential that this item be removed immediately. 
These inaccurate entries are causing severe harm to my creditworthiness, ability to secure loans, and financial standing I request that the responsible credit bureaus and furnishers fully investigate each item and provide written confirmation of results, corrections, and deletions Failure to comply may result in legal action for damages, attorney fees, and all remedies available under federal and state law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does

not reflect complete and verifiable records of the debt. Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this a
ccount was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated. 

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Reinsertion of Previously Deleted Account FCRA Violation To : I am writing to dispute the reinsertion of an account that was previously deleted from my credit report. The account in question is : XXXX on XXXX XXXX- COLLECTIONS Account number : XXXX [ XX/XX/year> ] Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ), a credit reporting agency may not reinsert information that has been deleted unless the furnisher provides proper written verification of its accuracy. This account was previously deleted and, to my knowledge, has been reinserted without proper verification. I request the following actions : 1. Immediate reinvestigation of this account. 2. Permanent removal of this account from my credit report unless proper verification is provided. 3. Written confirmation that this account has been removed or verified. Enclosed are copies of : My previous credit report showing the deletion Any relevant dispute confirmation letters If your investigation confirms the account was reinserted in error, I expect it to be permanently deleted.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Reinsertion of Previously Deleted Account FCRA Violation To : I am writing to dispute the reinsertion of an account that was previously deleted from my credit report. The account in question is : XXXX on XXXX XXXX- COLLECTIONS Account number : XXXX [ XX/XX/year> ] Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ), a credit reporting agency may not reinsert information that has been deleted unless the furnisher provides proper written verification of its accuracy. This account was previously deleted and, to my knowledge, has been reinserted without proper verification. I request the following actions : 1. Immediate reinvestigation of this account. 2. Permanent removal of this account from my credit report unless proper verification is provided. 3. Written confirmation that this account has been removed or verified. Enclosed are copies of : My previous credit report showing the deletion Any relevant dispute confirmation letters If your investigation confirms the account was reinserted in error, I expect it to be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
PLEASE BLOCK AND REMOVE. 
This is not a valid account and must be removed without delay. I never authorized it. Documentation is provided.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC Bank has mishandled and blocked, causing severe financial and emotional harm. My account ( ending in [ last XXXX digits ] ) was closed on XX/XX/year>, without any prior notice. 



Here is the timeline of PNCs mishandling : XX/XX/year> : My employers direct deposit was processed. I called PNC and was told to call back later or the next day because the check was pending. 
XX/XX/year> : I called again ; representatives said the deposit was still pending. 
XX/XX/year> : I called again; told the check was denied and sent back to my employer. 
Following days : I went back and forth between my employer and PNC, trying to access my funds. 
XX/XX/year> : I traveled over an hour to a branch in person. I was told the funds were available and a check would be issued on Monday, XX/XX/year>. 
XX/XX/year> : I called to confirm if the check could be expedited. A representative said it had been mailed on Friday. 
XX/XX/year> : I found the check in my mail. When I went to cash it, a cash-checking service informed me there was a hold on my check. A PNC representative finally told me that the branch I walked into had reported my check as lost or stolen. 




Because of PNCs repeated mishandling : I have had no access to my money for weeks. 
I am late on rent and at risk of additional financial penalties. 
I have endured extreme stress, wasted time, and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
This letter is sent in response to your [ letter/phone call ] dated [ insert date ] regarding the alleged account with reference number [ insert account/reference number ]. Please be advised that this is not a refusal to pay, but a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I request that you provide proper validation of the alleged debt, including : The name and address of the original creditor ; The original account number ; A full itemization of the amount you claim is owed ; Proof that you are authorized to collect on this debt ; Copies of any contract or agreement bearing my signature showing that I am legally obligated to pay. 


Until this information is provided, you must cease all collection activity, including reporting to credit bureaus, as continuing to do so without validation is a violation of federal law. 

Additionally, under 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me except to provide the above-requested validation. Any further attempts to contact me other than as allowed by law will be documented as harassment. 

Please note that I am keeping a record of all correspondence and communication for future reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
I am submitting a follow-up complaint regarding Equifaxs handling of my credit dispute. 

Equifax responded with the following statement : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. 

This response is inadequate because : 1. Equifax failed to provide specific documentation or proof from the furnisher to verify that this account belongs to me.

2. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), Equifax is required to conduct a reasonable reinvestigation. A simple confirmation from the furnisher without supporting documentation does not satisfy this requirement.

3. The disputed account remains inaccurate and is causing harm to my creditworthiness. 
XXXX. XXXX XXXX has not responded to the CFPB regarding this dispute, so it is unclear how Equifax could have verified this account as belonging to me. This raises serious questions about the validity of Equifaxs verification process. 
5. Equifax has been subject to multiple lawsuits and regulatory actions for failing to properly investigate consumer disputes and for systemic noncompliance with the FCRA, which reflects a pattern of disregarding consumers rights. 

Requested Resolution : I am requesting that Equifax either provide documented proof that this account legitimately belongs to me or remove the item from my credit report. 
I request CFPB oversight to ensure Equifax complies with its legal obligations under the FCRA and does not continue this harmful pattern of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/year>, I sent a formal Debt Validation Request to Portfolio Recovery Associates regarding an alleged account # XXXX. I disputed the debt in its entirety and demanded validation pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ). PRA has failed to provide any of the required documentation, including the original signed contract, chain of title, proof of holder in due course, pooling and servicing agreement, and a full debt itemization. 
Violations : PRA continues to report this account to credit bureaus without validation, violating : FDCPA ( 15 U.S.C. 1692g ( b ) ) continuing collection without validation.

FCRA ( 15 U.S.C. 1681s-2 ( b ) ) furnishing false or unverified information.

15 U.S.C. 1692e false representation of authority or ownership.

TILA ( 15 U.S.C. 1641 ( g ) ) failure to disclose transfer of loan.

UCC Articles 3 & 9 attempting to collect without proof of legitimate ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
company filed a court date and have been asked on repeated occasions to provide original charge off date because its past statue of limitations. they keep calling harassing me even after being asked not to contact me. they have sent constables 3 times to serve papers after letting them know I was out of town receiving medical treatment. They are calling before and after times they are supposed to and contacting family members in order to embarrass me.

Company response to consumer: Closed with non-monetary relief