vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
I am formally disputing inaccurate and unverifiable information that appears on my credit report. This letter is a demand for compliance with the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( b ), 609 ( a ), and 611 ( a ).

The following accounts and inquiries are erroneous, outdated, unverifiable, and/or incomplete and must be removed immediately : Accounts in Dispute : XXXX. XXXX XXXX XXXX Reported XXXX. XXXX, XXXX | {$470.00} | Status : Needs Attention / Closed XXXX. XXXX XXXX XXXX Reported XXXX. XXXX, XXXX | {$0.00} | Closed XXXX. XXXX XXXX XXXX XXXX Reported XXXX. XXXX, XXXX | {$0.00} | Closed Inquiries in Dispute : - XXXX XXXX XXXX XXXX. XXXX, XXXX- XXXXXXXX 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 Unless you can provide documented proof of authorization and complete validation for each of these items, they must be permanently deleted as unverifiable under FCRA 611 ( a ) ( 5 ). 

I expect the results of your investigation within 30 days as mandated by FCRA 611 ( a ) ( 1 ). Failure to comply will result in complaints to the CFPB, FTC, and potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
I am formally disputing inaccurate and unverifiable information that appears on my credit report. This letter is a demand for compliance with the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( b ), 609 ( a ), and 611 ( a ).

The following accounts and inquiries are erroneous, outdated, unverifiable, and/or incomplete and must be removed immediately : Accounts in Dispute : XXXX. XXXX XXXX XXXX Reported XXXX. XXXX, XXXX | {$470.00} | Status : Needs Attention / Closed XXXX. XXXX XXXX XXXX Reported XXXX. XXXX, XXXX | {$0.00} | Closed XXXX. XXXX XXXX XXXX XXXX Reported XXXX. XXXX, XXXX | {$0.00} | Closed Inquiries in Dispute : - XXXX XXXX XXXX XXXX. XXXX, XXXX- XXXXXXXX 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 Unless you can provide documented proof of authorization and complete validation for each of these items, they must be permanently deleted as unverifiable under FCRA 611 ( a ) ( 5 ). 

I expect the results of your investigation within 30 days as mandated by FCRA 611 ( a ) ( 1 ). Failure to comply will result in complaints to the CFPB, FTC, and potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently obtained a copy of my credit report and noticed the following inquiries that I believe are inaccurate and unauthorized. 

Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose, such as : A firm offer of credit or insurance Employment purposes ( with written authorization ) A court order or subpoena A credit transaction initiated by the consumer The inquiries listed below do not appear to meet any of the permissible purposes outlined above. As such, they are inaccurate and must be removed from my credit report. 

Inquiries to be removed : XXXXXXXX XXXXXX/XX/year> Please conduct an investigation in compliance with the FCRA and provide me with written confirmation of the results. If these inquiries can not be verified as having a permissible purpose, they must be deleted from my credit file immediately. 

Thank you for your prompt attention to this matter.

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 2025-08-16 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: NY

Complaint narrative:
On XX/XX/year>, I submitted formal disputes to TransUnion, Equifax, and Experian requesting the deletion of a XXXX XXXX XXXX account ( original creditor : XXXX XXXX XXXX XXXX XXXX  : {$1100.00}, partial account number XXXX ) from my credit reports. 

On XX/XX/year>, I sent a certified debt validation request to XXXX XXXX XXXX ( USPS Certified Mail tracking # XXXX ). This request was delivered and signed, but XXXX never responded to me in any way as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Despite the absence of validation, TransUnion informed me on XX/XX/year>XXXX  that XXXX simply marked the account as accurate. This is not proper validation and does not meet the requirements of the FDCPA. A simple assertion does not satisfy the law. 

The continued reporting of this account without proper validation is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i duty to delete unverifiable information ; 15 U.S.C. 1681s-2 prohibition on furnishing inaccurate information ).

This XXXX account is inaccurate, unverifiable, and unvalidated. Its continued presence on my credit reports is unlawful and damaging to me. 

I request that the CFPB enforce my rights under the FDCPA and FCRA by requiring the immediate deletion of this XXXX account from TransUnion, Equifax, and Experian, and by holding the furnisher and bureaus accountable for their violations.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$660.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
Disputed Information to Be Removed Pursuant to 15 U.S.C. 1681c-2, I am specifically identifying the following accounts and inquiries as fraudulent and not authorized by me. These items must be blocked and permanently deleted from my consumer file.

It is important to note that none of the CRAs ( TransUnion, Equifax, or Experian ) have marked these accounts or inquiries as under dispute as required. Instead, they have improperly failed to initiate the mandatory 1681c-2 block and have attempted to delay compliance by treating my filings as standard disputes under 1681i. This is unlawful, because 1681c-2 provides no discretion to the CRAsonce the statutory requirements are met, the information must be blocked within four ( 4 ) business days. 
The following information must therefore be removed immediately under 1681c-2 and not subjected to a prolonged 1681i reinvestigation : TRANSUNION Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$240.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$980.00} Hard Inquiries : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Collections : XXXX XXXX. Date Opened : XX/XX/XXXX | XXXX Reported : XX/XX/XXXX | Balance : {$630.00} XXXX XXXX. Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$630.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$980.00} Hard Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN Collections : XXXX. XXXX, XXXX. Date Opened : 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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account that is inaccurate and not properly validated. This account was already deleted from XXXX  and XXXX  after my disputes, but XXXX  continues to report it with false and inconsistent information. 

XXXX  is also showing six ( 6 ) consecutive 90-day late payments on this account even though it is already in collection status. This is double reporting and causes duplicate damage to my credit profile. 

Portfolio Recovery has failed to provide any proper validation of the debt under FDCPA 809. Without full validation and documentation from the original creditor, they should not be reporting or collecting this account. 

I am requesting the immediate removal of this account from XXXX  and that Portfolio Recovery cease any collection activity due to lack of proper validation and inconsistent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I bought a house and closed on XX/XX/XXXX the builder of the house bought out my contract for my apartment and were in contact with the apartment complex. They had asked for a check of {$2800.00} to buy out the contract which they took. Then the apartment complex said I owed them {$5000.00} for moving out and non payment of rent and other associated fees. If the contract was bought out why take the check and still want more money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account number : # XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681i ( reinvestigation ), I dispute the reporting of the Auto Loan listed above across Equifax, Experian, and TransUnion. The same account is being reported with multiple discrepancies, which proves that at least one bureau is reporting inaccurate and misleading data. Unless all discrepancies are corrected with competent evidence provided by the furnisher, the account must be deleted under 1681i ( a ) ( 5 ) ( A ). 
Itemized discrepancies among the three bureaus : High Balance Equifax : {$9600.00} Experian : {$29000.00} TransUnion : {$29000.00} Date of Last Activity Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Last Payment Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Date Reported Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Closed Date Equifax : not reported Experian : not reported TransUnion : XX/XX/XXXX Last Verified Equifax : not shown Experian : not shown TransUnion : XX/XX/XXXXXXXX  Creditor Remarks Equifax : Charged off account / Auto. 
Experian : Merchandise was taken back by credit grantor ; there may be a balance due. / Unpaid balance reported as a loss by the credit grantor. 
TransUnion : Charged off as bad debt / Profit and loss write-off. 
These material differences ( balance, dates, remarks ) prove that the reporting is not accurate, not consistent, and therefore in violation of FCRA 1681e ( b ).

Requested action ( for all three bureaus ) : Conduct a full reinvestigation under 1681i ( a ) and obtain documented verification from the furnisher, including payment history, last activity, last payment, actual charge-off date, repossession details, and original balance.

Correct every inconsistent field so all three credit bureaus reflect the same verified and accurate information. 
If the information can not be fully verified and corrected, the account must be deleted from my credit file under 1681i ( a ) ( 5 ) ( A ).

Provide me with the results of the reinvestigation and the method of verification as required by 1681i ( a ) ( 6 ) ( 7 ).

Because the three bureaus currently report different and conflicting information for the exact same account, this record is inherently unreliable and must be corrected or removed to comply with the FCRA.

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 2025-08-16 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran wXXXX XXXX XXXX XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

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 2025-08-16 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: CA

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

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 2025-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I was given a call stating that they were calling on behalf of a law company and they were hired by a check cashing service that I utilized a year ago. They state that I fraudulently cashed a check and they are suing me. They stated I have two hours to give them the balance or they would be moving forward with criminal charger under Californias penal code 476 and they would push for me to be arrested. They stated they were in contact with a prosecutor and they were filing charges immediately. When given a call and asked for basic information I was denied and hung up on. When I called back I was told they dont speak to blocked numbers and again hung up on. They state the name of the law firm is XXXX and associates but Im unable to find anything of that nature and the number they are calling from and that I called is no where to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX, who is attempting to collect an old account from me and has reported inaccurate information to the credit bureaus. 

Re-Aging of Account ( Illegal Date Manipulation ) : XXXX & XXXX XXXX has furnished an incorrect Date of First Delinquency ( DOFD ) to the credit bureaus, effectively re-aging the account to make it appear newer than it is. This is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ), which limits reporting to 7 years from the XXXX, and of XXXX XXXX compliance standards, which prohibit altering the XXXX. 

FDCPA Violations ( Deceptive Collection Practices ) : By re-aging and misrepresenting the account date, XXXX & XXXX XXXX is engaging in a false, deceptive, and misleading representation in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ). If the debt is time-barred, this conduct is an attempt to unlawfully revive collection activity. 

Failure to Provide Proof of Right to Collect in Texas : When requested, XXXX & XXXX XXXX failed to provide : A purchase order/assignment agreement proving ownership or assignment of the account. 

Proof of a valid Texas debt collection license. 

Proof of the required surety bond filed with the Texas Secretary of State, as mandated by Texas Finance Code 392.101.

This suggests they may be illegally collecting debts in Texas without proper authorization or bonding.

Current search shows the company is only allowed to collect in 7 states and Texas is not 1 of 7. 

A certified letter was received on XX/XX/XXXX, 2025.. 

Please see below tracking information sent to notify the company of the dispute. 

Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX  on XXXX XXXX, 2025 in XXXX, TN XXXX. I am expecting resolution and deletion within 30 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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, Capital One restricted my credit card account for security reasons. Because of my XXXX, I can not use the phone and requested XXXX accommodation to verify and manage my account in writing. I accessed XXXX Ones Accessibility Page chat and repeatedly requested immediate written verification and escalation to a supervisor or XXXX compliance representative. 

Instead of resolving the issue, the agent stalled by repeatedly saying one moment, refused to escalate me, and told me to use the phone or wait 24+ hours while XXXX  customers could get immediate help by phone. The agent logged a case ( # XXXX ), but this did not restore my access or provide effective accommodation. 

This denied me prompt and equal access to my account under the XXXX. Capital Ones accessibility channel failed to provide real-time assistance and instead subjected me to delays and barriers because of my XXXX.

Company response to consumer: Closed with explanation