vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am filing this formal complaint against EQUIFAX for the inaccurate and incorrect reporting of the following tradelines : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX ( Partial ) : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$870.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Partial ) : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} These accounts are being reported inaccurately for the following reasons : Balance Inaccuracy : The reported balance is not verifiable, and I have received no recent disbursements or communications validating this amount. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report accurate and complete information. Lack of Permissible Purpose : I have not authorized or consented to the reporting of this account under FCRA 604 ( a ), and this tradeline appears without my direct engagement or benefit. Metro 2 Non Compliance : The date formatting and status codes for this tradeline do not align with Metro 2 guidelines and appear to be improperly formatted, further impairing automated dispute resolution and scoring. I have submitted disputes to EQUIFAX, but no reasonable investigation was conducted as required under FCRA 1681i ( a ). The failure to correct or remove this information constitutes willful noncompliance with the Fair Credit Reporting Act, entitling me to relief under FCRA 616 and 617. Violations Summary : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation ; FCRA 623 ( a ) : Furnishing inaccurate or unverifiable information ; FCRA 604 ( a ) : No permissible purpose to furnish or maintain incorrect data ; Metro 2 Reporting Standards : Inconsistent and nonstandard coding ; Possible Duplicate Reporting inflating debt and damaging credit profile ; No verification of consumer responsibility or legal obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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
Consumer complaint received 2025-05-19 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX  Sold the Account to PORTFOLIO RECOVERY associates that shows on my Credit this credit is not mine my information was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Hello : In XXXXXXXX XXXX XXXX  I purchased $ XXXX {$23000.00} worth of furniture from Arhaus XXXX XXXX The promotion was for 2 years interest free. We paid the payments monthly based on what Arhaus recommended the payment to be. At the end of the term of 24 months there was a difference of approximately {$300.00} that was still owed which I was not aware of due to the automatic payments that were set up. When I went online to check that the balance is XXXX, I found a {$11000.00} accrued interest charge because now it was about 2 weeks out of promotion where apparently $ XXXX {$300.00} payment was left, despite my payments set up at the advice of the Arhaus consultant. I have been talking to Arhaus to try and rectify the issue however it seems they are not able to help. I caught the issue before the next billing cycle but Arhaus claims this catch is outside their grace period by 1-2 weeks. As a consumer who has great credit and pays bills on time, I feel that I should be afforded a little understanding by the creditor, especially when I am trying to resolve this in a timely manner within the same billing cycle that a bill would be given. An unreasonable amount of time has not past that shows neglect of my account responsibilities. I am hoping the consumer protection bureau can help me get this matter resolved to avoid the interest penalties and hopefully prevent this for somebody else in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
I'm writing to dispute an item on my credit report that is incorrect and needs to be addressed immediately. After reviewing my report, I found information that either doesnt belong to me, is inaccurate, or was added without proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the accuracy and validity of the following collection accounts currently being reported on my credit file. I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, as I believe these accounts are being reported inaccurately, incompletely, or without proper verification. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o High Balance : {$460.00} o Status : Collection o Issue : FCRA Violation Inaccurate or unverifiable collection o Action Requested : Reinvestigate and remove if unverifiable XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o High Balance : {$970.00} o Status : Collection o Issue : FCRA Violation Inaccurate or unverifiable collection o Action Requested : Reinvestigate and remove if unverifiable Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt. If the data furnisher can not provide full validationincluding original signed agreements, payment history, and accurate account documentationthe information must be deleted immediately from my credit report.

Further, under FCRA 623, furnishers of information are prohibited from reporting inaccurate or incomplete information. If the debt has been paid, settled, or is no longer collectible, continued reporting could also violate the FDCPA.

I am actively working to rebuild my financial health after a period of hardship, and these negative itemsparticularly if they are outdated, inaccurate, or unverifiableare creating unnecessary barriers. I am a responsible consumer trying to move forward, and fair credit reporting is essential to that process. Please treat this request with the urgency and care it deserves.

1. Reinvestigate the above collection accounts with the data furnishers.

2. If the debts are unverifiable or inaccurate, delete them from my report.

3. Provide written confirmation of the results of the reinvestigation.

4. Ensure this is completed within 30 days as required by the FCRA.

Please consider this letter my formal dispute. I look forward to receiving your reinvestigation results and an updated copy of my credit report reflecting any changes made.

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 2025-05-19 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: TX

Complaint narrative:
I am writing to dispute the accuracy and validity of the following collection accounts currently being reported on my credit file. I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, as I believe these accounts are being reported inaccurately, incompletely, or without proper verification. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o High Balance : {$460.00} o Status : Collection o Issue : FCRA Violation Inaccurate or unverifiable collection o Action Requested : Reinvestigate and remove if unverifiable XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o High Balance : {$970.00} o Status : Collection o Issue : FCRA Violation Inaccurate or unverifiable collection o Action Requested : Reinvestigate and remove if unverifiable Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt. If the data furnisher can not provide full validationincluding original signed agreements, payment history, and accurate account documentationthe information must be deleted immediately from my credit report.

Further, under FCRA 623, furnishers of information are prohibited from reporting inaccurate or incomplete information. If the debt has been paid, settled, or is no longer collectible, continued reporting could also violate the FDCPA.

I am actively working to rebuild my financial health after a period of hardship, and these negative itemsparticularly if they are outdated, inaccurate, or unverifiableare creating unnecessary barriers. I am a responsible consumer trying to move forward, and fair credit reporting is essential to that process. Please treat this request with the urgency and care it deserves.

1. Reinvestigate the above collection accounts with the data furnishers.

2. If the debts are unverifiable or inaccurate, delete them from my report.

3. Provide written confirmation of the results of the reinvestigation.

4. Ensure this is completed within 30 days as required by the FCRA.

Please consider this letter my formal dispute. I look forward to receiving your reinvestigation results and an updated copy of my credit report reflecting any changes made.

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 2025-05-19 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: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act these two accounts have violated federally protected consumer rights to privacy and confidentiality. 

1. Department of Education Aid Vantage Account number 1.

2. Department of Education Aid Vantage Account number 2. 

In a response to a claim filed with the CFPB, Aid Vantage failed to address the numerous consumer violations against XXXX XXXX. I don't have a contract with Aid Vantage. Aid Vantage claim they gave me a promissory note but consumer never received a promissory note signed with 2 wet ink signatures between 2 agreeing parties. This violates the Esign Act. Under 15 USC 1681 section 602 ( a ), I have the right to privacy and Aid Vantage reporting late payments directly or indirectly to 3rd parties without my written consent is considered adverse and violates this act. 

Per 15 USC 1681 section 604 ( a ) section 2 states that a agency can not furnish an account without my written instructions. Any transaction between me and a creditor are required to be excluded from my credit report. Consumer was not given full disclosure that consumer would be giving up all Rights which is also a violation.

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 and crimes which antedates the report by 7 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. 

Please delete these accounts from my consumer report for failing to follow federally protected consumer rights laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: DC

Complaint narrative:
Someone opened credit card accounts in my name with XXXX XXXX. These are fraudulent accounts. I filed Identity Theft Report with FTC. See the attached. I called XXXX XXXX and reported it. The XXXX XXXX closed the credit cards. However, it still shows on my credit report. I request to remove these fraudulent credit card account ending in XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Verisk Analytics Inc
State: FL

Complaint narrative:
On XX/XX/year>, I was a passenger in a vehicle struck in a hit-and-run incident caused by XXXX XXXX, who was criminally XXXX XXXX XXXX XXXX ( Crash No. XXXX, XXXX XXXX XXXX. XXXX ). Despite this, XXXX XXXX XXXX XXXX ( XXXX ) submitted a claim ( Verisk Ref # XXXX ) that incorrectly attributes fault and PIP payment responsibility to me. 

I submitted a formal dispute to Verisk, requesting a full reinvestigation under FCRA 1681i ( a ) and removal of the inaccurate claim. I included a XXXX XXXXXXXX XXXX XXXX report and referenced judicial records confirming the actual offender. Verisk responded with no documentation, no explanation of procedures, and no evidence from XXXX. This violates their duty to correct inaccurate reporting. 

The report also reflects a PIP payment of {$4100.00}, but I was neither responsible for nor involved in that capacity. I had no liability, made no claim, and received no benefit. This is a clear case of misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute two derogatory entries listed on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These accounts are negatively affecting my credit profile and I am requesting a full reinvestigation into their reporting accuracy, completeness, and verifiability. 
XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Current Status : Charge Off o Balance Owed : {$580.00} o Issue : FCRA Violation Unverified and potentially inaccurate charge-off o Action Requested : Reinvestigate and remove if unverifiable XXXX. XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$1200.00} o Status : Late Payment o Issue : FCRA Violation Late payment possibly inaccurately reported o Action Requested : Verify and delete if documentation is lacking Per FCRA 611 ( a ), I am exercising my right to dispute any information I believe is inaccurate or can not be fully verified. You are required to : Contact the data furnisher ( s ) Verify the accuracy using original documentation Complete the reinvestigation within 30 days Remove any information that can not be verified or is found to be inaccurate Additionally, per FCRA 607 ( b ), all information reported must be as accurate and up to date as possible. Continued reporting of unverifiable derogatory data may also violate FCRA XXXX ( a ) ( XXXX ) ( A ). 
As someone who is actively working to improve my financial health after a difficult period, I kindly ask that my situation be reviewed with compassion and fairness. Like many Americans, Ive faced financial challenges during uncertain times, but Ive made consistent efforts to get back on track. 
The continued reporting of a potentially inaccurate charge-off and late payment only makes that path more difficult. I am not seeking to avoid my obligationsonly to ensure that what is being reported reflects the truth and complies with federal law. 
1. Conduct a full reinvestigation of the XXXXXXXX XXXX XXXXXXXX and XXXX XXXX entries. 
2. Provide documentation verifying the accuracy of the negative information.

3. If the items are unverifiable, delete them from my credit report immediately.

4. Notify me in writing of the investigation results within the 30-day period.

Thank you for your attention to this matter. I trust that your bureau will handle this dispute with the seriousness it deserves.

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 2025-05-19 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: CA

Complaint narrative:
I am writing to formally dispute two derogatory entries listed on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These accounts are negatively affecting my credit profile and I am requesting a full reinvestigation into their reporting accuracy, completeness, and verifiability. 
XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Current Status : Charge Off o Balance Owed : {$580.00} o Issue : FCRA Violation Unverified and potentially inaccurate charge-off o Action Requested : Reinvestigate and remove if unverifiable XXXX. XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$1200.00} o Status : Late Payment o Issue : FCRA Violation Late payment possibly inaccurately reported o Action Requested : Verify and delete if documentation is lacking Per FCRA 611 ( a ), I am exercising my right to dispute any information I believe is inaccurate or can not be fully verified. You are required to : Contact the data furnisher ( s ) Verify the accuracy using original documentation Complete the reinvestigation within 30 days Remove any information that can not be verified or is found to be inaccurate Additionally, per FCRA 607 ( b ), all information reported must be as accurate and up to date as possible. Continued reporting of unverifiable derogatory data may also violate FCRA XXXX ( a ) ( XXXX ) ( A ). 
As someone who is actively working to improve my financial health after a difficult period, I kindly ask that my situation be reviewed with compassion and fairness. Like many Americans, Ive faced financial challenges during uncertain times, but Ive made consistent efforts to get back on track. 
The continued reporting of a potentially inaccurate charge-off and late payment only makes that path more difficult. I am not seeking to avoid my obligationsonly to ensure that what is being reported reflects the truth and complies with federal law. 
1. Conduct a full reinvestigation of the XXXXXXXX XXXX XXXXXXXX and XXXX XXXX entries. 
2. Provide documentation verifying the accuracy of the negative information.

3. If the items are unverifiable, delete them from my credit report immediately.

4. Notify me in writing of the investigation results within the 30-day period.

Thank you for your attention to this matter. I trust that your bureau will handle this dispute with the seriousness it deserves.

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