vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I just received the attorney 's letter. And will file for a hearing on XX/XX/year>. So I don't know as of now what has been affected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy and continued reporting of charged-off account listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. I am also referencing the Federal Trade Commission ( FTC ) guidance on consumer rights under the FCRA. 
Please investigate the following account and verify its accuracy, including whether it was reported in compliance with federal guidelines : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXXXXXX XXXX in XXXX, PA, per XXXX Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX - {$420.00} ( ACCOUNT # XXXX XXXX XXXX XXXX {$100.00} ( ACCOUNT # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-08-25 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: TX

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Company reported a debt to XXXX Credit Bureau XX/XX/year> for the amount of {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
Complaint narrative ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) by this credit reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record.

Statutes at issue : 605B ( blocking identity-theft information ) 611 ( reasonable reinvestigation ; timely results ; Method of Verification ) 607 ( b ) ( maximum possible accuracy ) Background & prior steps : I submitted multiple disputes with documentation, including an FTC Identity Theft Report and police report. Despite this, the agency failed to block identity-theft information within the required timeframe, did not complete a lawful reinvestigation, and did not provide a Method of Verification ( MOV ) explaining the exact source ( s ) and documents used. I also requested correction of personal-information elements ( removal of unauthorized addresses/phone numbers, suppression of sensitive data ) with no adequate response. 

Public record inaccuracies ( XXXX XXXX ) : Across the three nationwide CRAs, the same bankruptcy public record is reported inconsistently : Filed/Reported date conflicts ( two bureaus report XX/XX/year> ; another reports XX/XX/year> ). 

Reference numbers differ ( e.g., XXXX vs XXXX vs a long, vendor-styled string ). 

Closing date missing on one bureau, even though others show XX/XX/year> and the status is Dismissed. 

Court identification varies ( U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ) instead of a uniform, accurate court name. 

These discrepancies show the record is incomplete/misleading and not maintained with maximum possible accuracy. If a third-party vendor was used, the agency has not disclosed the original court source, vendor name/ID, or the documents actually reviewed. 

Identity-theft handling : I reported fraud and requested blocking under 605B. More than four business days elapsed with no block placed, no adequate status update, and no explanation of verification steps.

Unlawful reinsertions : Items previously removed have reappeared without the required 5-day notice and without proof of proper verification, violating 611 ( a ) ( 5 ) ( B ).

Harm : These failures have caused reputational damage, credit denials/less favorable terms, and ongoing time and expense to correct my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
b'This CFPB complaint has been filed to request pursuant to FCRA 605B(15 . U. S. C.\n1681c2) that you, the Experian credit reporting agencys block the information appearing\non my consumer credit report that is the result of identity theft, and fraud within four\nbusiness days of you receiving this complaint. This fraudulent, inaccurateand false\ninformation consist of personal credit card accounts, auto loans, personal loansand open\nend unsecured consumer accounts as follows:\nINQUIRIES:XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX   DateXXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX  DateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX\nACCOUNTSXXXX XXXX XXXX XXXX  - Account Number: XXXX Date OpenedXXXX XXXX XXXX XXXX Balance:XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections\nappearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in\nquestion as well as a copy of the consumer FICO credit report maintained by you which\nshows the said fraudulent items. I do not recognize these accounts, collections and hard\ninquiries as reported. The aforementioned accounts, collections and hard inquiries appearing\non my consumer credit report maintained by you were not opened, made or initiated by me.\nAll of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I\nhave attached a copy of the FTC identity theft criminal complaint case number XXXX, as\nproof from the US federal trade commission that all of the aforementioned, consumer credit\naccounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Verification, Proof, and Chain of Ownership of Inaccurate Accounts FCRA 611 Please be advised that if you send me a computer generated letter, stating that you have ceased investigation of my credit reports because in your opinion, you believe I have used a third party credit repair agency, you will be in blatant violation of the FCRA. This stall tactic on your part to grant you an additional 30 days to comply with my original request, will result in a lawsuit with your company. This is your only warning To Whom It May Concern : These accounts have been disputed multiple times, on date XX/XX/XXXX XXXX and also on XX/XX/XXXX, yet Experian has failed to provide any documentation or verification proving their accuracy. 

This constitutes willful violation of FCRA 611 ( 15 U.S.C. 1681i ).

Legal Obligations : Under FCRA 611, Experian is required to : 1. Conduct reasonable investigation of all disputed information.
2. Request verification and documentation from the furnishers.

3. Correct or delete any information that can not be verified as accurate. 
Specific Documentation Required : To substantiate these accounts, I demand that Experian provide the following documentation : 1. The original signed credit agreement for each account.

2. Complete account history including payments, charges, and balances.

3. Verification method used by the furnisher to confirm the accounts accuracy.

4. Full chain of ownership / assignment documentation, showing each transfer or sale of the debt, including dates, entities involved, and confirmation that the furnisher reporting the account currently owns or legally controls the debt.

5. Any contractual or legal evidence supporting the furnishers right to report this account. Your continued reporting of these unverified and undocumented accounts constitutes unlawful, inaccurate, and deceptive reporting under the FCRA and is actionable. 
Immediate Demands : 1. Provide all documentation listed above for each account.

2. Temporarily suspend reporting of these accounts until full verification and ownership documentation is provided.

3. Permanently delete these accounts if verification or chain-of-ownership documentation can not be provided.

4. Provide written confirmation of your investigation and actions within 15 days of receipt.

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 2025-08-25 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX  years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-25 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: CA

Complaint narrative:
Inaccurate information being report led with payment discrepancies

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 2025-08-25 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-25 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: FL

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 2025-08-25 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: FL

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 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I have been making payments early and with additional principal payments for most of the life of the loan. I noticed that the interest was at a higher rate than my hand calculation for the amortization. New Rez charges the original amortization interest amount regardless of when the payment is made, like the old credit card companies did. So if my balance as of XXXX XXXX is XXXX, and I make a XXXX XXXX XXXX  payment of XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each day they are charging a full month 's interest on each payment rather than applying the additional monies to principal. Basically, they are charging months of interest of funds they have already received.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I sent a letter disputing inaccurate and unknown items on my credit report. It has now been over 80 days, and I have not received a response. I feel as though I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) ( 1 ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within the required 30 days is grounds for their immediate removal from my credit report. Since more than 50 days have passed without a response, these accounts should be promptly deleted. The continued inaction has caused me unnecessary stress. Additionally, my personal information was compromised in the Equifax data breach, and it is possible that these accounts were opened by the wrong person using my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I sent a letter disputing inaccurate and unknown items on my credit report. It has now been over 80 days, and I have not received a response. I feel as though I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) ( 1 ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within the required 30 days is grounds for their immediate removal from my credit report. Since more than 50 days have passed without a response, these accounts should be promptly deleted. The continued inaction has caused me unnecessary stress. Additionally, my personal information was compromised in the Equifax data breach, and it is possible that these accounts were opened by the wrong person using my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief