vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This account is being inaccurately reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ), creditors XXXX only classify an account as a charge-off if it has been delinquent for XXXX  days. I was never XXXX  days past due on this account. I made payment ( XXXX ) that brought the account current prior to reaching charge-off status. 

Enclosed are copies of my records, including [ bank statements, payment receipts, or statements ], which clearly show my payments and prove that the account never qualified for charge-off treatment. 

Please provide me with written confirmation once this error has been corrected. If the inaccurate reporting is not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal remedies under the FCRA. 

Thank you for your prompt attention. 

XXXX XXXX XXXXXXXX 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The information that is visible is inaccurate as stated within the complaint.

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 2025-09-18 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forest Recovery Services LLC
State: PA

Complaint narrative:
If this is mine then my landlord changed the name of her company without notifying me. Either way they are charging me for XXXX fraudulently. If she didn't sell the property to a new company then she is way overvaluing what I owed ( as seen in the court docs ). Forest recovery is the debt collector backing this fraudulent debt. Should be suing them in court this is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Calls are XXXX to XXXX times a day with XXXX to XXXX voicemails a day. Even after speaking to representatives turned into harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IN

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns. 
I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law. 
This is your final opportunity to comply before further action is taken.

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 2025-09-18 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: FL

Complaint narrative:
Upon reviewing my credit file, I have found several inaccuracies and inconsistencies with this tradeline that make it misleading and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I am disputing the inaccurately reported late payment on my credit report. My records confirm a consistent pattern of on-time payments, and this negative entry is clearly an error. Its presence unfairly harms my financial standing and misrepresents my payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-18 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
Dear Sir or Madam, I am formally disputing inaccurate and misleading information being reported on my student loan account serviced by XXXX on behalf of the XXXX XXXX XXXX XXXX This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inaccuracies Identified 1. Balance Reporting Conflict The current balance is reported as {$3500.00}, while the highest balance is listed as {$3500.00}. A current balance can not exceed the highest balance. This inconsistency renders the data inaccurate.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) confirms that credit furnishers must ensure accuracy and can not rely on patently inconsistent data.

2. Unknown Payment Statuses Several months are reported as Unknown. This constitutes incomplete and misleading reporting under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

In Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ), the court recognized that incomplete or misleading data violates the FCRA just as much as false data.

3. Derogatory Status Contradiction The account reflects a derogatory status while simultaneously reporting the current status as Current. This contradiction misrepresents my creditworthiness.

Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) established that technically true information which creates a materially misleading impression violates the FCRA.

Demand for Full Investigation Pursuant to 15 U.S.C. 1681i ( a ), I demand a full and independent investigation of this account. You are required to verify all disputed information with original documentation from the Department of Education. Simply confirming internal system records does not meet your obligations ( Cushman v. Trans Union Corp., supra ).

Requested Corrective Action Correct the balance reporting so that the current balance does not exceed the highest balance.

Remove all Unknown payment statuses and replace them with verified, accurate data.

Remove the derogatory designation since the account is simultaneously reported as Current.

If this information can not be verified with documented evidence, you are required by law to delete the disputed entries from my credit file.

Notice of Escalation Failure to comply will result in : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Notification to all relevant Credit Reporting Agencies ( CRAs ), and Pursuing all available legal remedies under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

I expect written confirmation of your investigation results and corrective action within the required 30-day statutory period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Re : Request for Debt Validation under FDCPA 809 ( b ) Dear Collection Agency, I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ).

Please provide me with the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges.

3. A copy of the original signed contract or agreement that makes me legally liable for this debt.

4. Documentation proving you are legally authorized to collect on this account in the State of Louisiana.

5. Verification that this debt has not been paid, discharged, or otherwise invalid.

Until you provide the above information, you must cease all collection activities, including reporting this debt to any credit bureau. Reporting unverifiable information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ).

If you can not validate this debt, you are required by law to remove it from your records and cease collection efforts immediately.

This letter is not a refusal to pay but a notice that your claim is disputed. Please be advised that any further communication without providing validation will be documented as harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
XXXXComplaint Regarding Unauthorized Credit Inquiries\n\nTo Whom It May Concern,\n\nI am submitting this complaint because several credit inquiries have been reported on my XXXX and TransUnion credit files without my knowledge, authorization, or consent. These inquiries are causing harm to my credit profile and I believe they violate the Fair Credit Reporting Act (FCRA), which requires that permissible purpose must exist for a creditor to obtain my credit report.XXXX   Unauthorized Inquiries\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 XXXXDetails of the Complaint\n\nI never applied for credit with these companies on the dates listed, nor did I grant authorization for them to access my credit reports. These inquiries are lowering my credit score unfairly and may misrepresent my credit-seeking behavior to potential lenders.\n\nRequested Resolution\n\nI respectfully request that the CFPB investigate these unauthorized inquiries and require XXXX and TransUnion to:\n\nRemove all the above-listed inquiries from my credit reports.\n\nProvide documentation showing who requested the inquiries and the alleged permissible purpose.\n\nEnsure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your assistance in this matter. Please keep me informed of the progress of this complaint.\n\nSincerely,'

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 2025-09-18 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have found collection accounts on my credit report that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TN

Complaint narrative:
On XX/XX/year>, I received an alert from TransUnion that my credit was critically damaged. When I checked my credit reports through the XXXX website, I saw a XXXX  inquiry from XXXX XXXX dated XX/XX/year>. The phone number and address tied to this inquiry were incorrect - the phone number was unfamiliar, and the address was XXXX I used back in middle school, not my current address. 

On XX/XX/year>, I contacted XXXX  and filed a fraud dispute. I also contacted XXXX XXXX directly to open a fraud case. The same day, XXXX  completed their reinvestigation and removed the XXXX XXXX inquiry as fraudulent. 

However, Equifax refused to remove the exact same inquiry, despite XXXX  confirmed deletion. This leaves inaccurate and fraudulent information on my Equifax credit file. 

TransUnion is also still reporting this XXXX XXXX inquiry dated XX/XX/year>. Unlike XXXX  and Equifax, XXXX dispute portal does not allow consumers to dispute XXXX  inquiries directly, leaving me unable to resolve this issue through their standard process.

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 2025-09-18 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-09-18 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX XXXX # XXXX -- - Opened XXXX XX/XX/XXXX XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 2025-09-18 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:
I am writing to advise that I am a XXXX XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1000.00}

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