vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is my 3rd attempt with CFPB to assist in resolving the issue with Portfolio Recovery, but again you just send me to them and again they send me something that does not show what i am requesting. I feel like CFPB has failed in properly reviewing complaints and reviewing companies response.

I am inquiring that portfolio recover send me the ACCURATE statement showing the balance of {$980.00} and how it became to be. All they have sent me was a statement for XXXX, XXXX  in the amount of {$670.00}, and a letter saying the amount of {$980.00} had no interest and no fees. However there is a difference of {$310.00} in the amount reported with the document provided. PRA stated they bought this account from XXXX XXXX in the previous complaint and as the owner they should provide the request of the statement showing the amount reported on my credit report. They are required to have the documentation i seek. This shall show the balance is being accurately reported to all credit bureaus. 

Portfolio Recovery this is my final attempt on this request, if not provided i will seek legal action.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am disputing inaccurate and inconsistent payment history reporting between XXXX major credit bureausTransUnion and Experian. According to XXXX ( TransUnion ), my report shows XXXX accounts with late payments XXXX days and XXXX accounts with late payments XXXX days. However, my Experian report shows XXXX accounts with late payments XXXX days. This discrepancy affects my creditworthiness and FICO score. 

I believe at least XXXX bureau is reporting inaccurate or duplicate information. Under the Fair Credit Reporting Act ( FCRA ), I have a right to fair and accurate reporting. I have not been able to resolve this directly with the credit bureaus and am requesting assistance to investigate and remove any unverifiable or incorrect data.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am disputing inaccurate and inconsistent payment history reporting between XXXX major credit bureausTransUnion and Experian. According to XXXX ( TransUnion ), my report shows XXXX accounts with late payments XXXX days and XXXX accounts with late payments XXXX days. However, my Experian report shows XXXX accounts with late payments XXXX days. This discrepancy affects my creditworthiness and FICO score. 

I believe at least XXXX bureau is reporting inaccurate or duplicate information. Under the Fair Credit Reporting Act ( FCRA ), I have a right to fair and accurate reporting. I have not been able to resolve this directly with the credit bureaus and am requesting assistance to investigate and remove any unverifiable or incorrect data.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. An account was fraudulently opened in my name with XXXX XXXX XXXX XXXX without my knowledge or authorization. The account was opened on XX/XX/year>, and is listed on my Experian credit report with an account number beginning in XXXX. This account has a derogatory status including voluntary surrender and past due amounts. I did not authorize this account, and I am requesting it be blocked and removed from my credit report.

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: NV

Complaint narrative:
Negative accounts etc. 

Delete all things negative in my credit report and pay me {$8000.00} for all negative items on my report or expect a lawsuit Delete Late Payments 15 U.S. Code 1666 15 U.S. Code 1666 ( b ) Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2 Delete Car Repos 15 U.S. Code 1681 ( s ) 2 Delete Hard Inquires 15 U.S. Code 1681

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I had ask the company to provide proof that they are the original owner of the dept that they are trying to collect on and nothing was furnished

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
These hard inquiries doesnt belong to me XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate/Unverified Accounts under Regulation F, FCRA, CDIA, and Metro 2 Guidelines Dear [ Credit Bureau or Furnisher Name ], This letter is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and Metro 2 reporting guidelines established by the Consumer Data Industry Association ( CDIA ).

I am requesting an immediate investigation and deletion of the following negative items that are either : - Inaccurately reported- Not compliant with Metro 2 formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 ) These accounts must be thoroughly investigated and verified under FCRA standards. If the data furnisher can not provide competent evidence and complete documentation verifying the accuracy and permissible purpose for reporting this information, it must be permanently deleted. 
Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureau or furnisher is required to conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of any information reported.

In addition, under Regulation F 12 CFR 1006.34, debt collectors are required to provide itemized validation notices and ensure all communications comply with debt collection rules. Any account that has not followed these rules can not be legally reported.

I am also demanding that you ensure that these accounts are : - Reported with complete and accurate fields per Metro 2 Format - Do not violate FCRA 623 obligations to report accurate data - Properly coded, especially for charge-offs and collections # # # If these accounts are not deleted : Failure to comply with these federal regulations and your own internal procedures ( per the CDIA guidelines ) could result in legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

You have 30 days to complete this reinvestigation and provide a response, as required by law.

Please send me a detailed summary of your reinvestigation, including : - The method of verification - The name and contact of the individual or department that verified each item - A copy of all supporting documentation used in the process Sincerely, XXXX XXXX Enclosures : Copy of Drivers License, Social Security Card, Proof of Address

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate/Unverified Accounts under Regulation F, FCRA, CDIA, and Metro 2 Guidelines Dear [ Credit Bureau or Furnisher Name ], This letter is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and Metro 2 reporting guidelines established by the Consumer Data Industry Association ( CDIA ).

I am requesting an immediate investigation and deletion of the following negative items that are either : - Inaccurately reported- Not compliant with Metro 2 formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 ) These accounts must be thoroughly investigated and verified under FCRA standards. If the data furnisher can not provide competent evidence and complete documentation verifying the accuracy and permissible purpose for reporting this information, it must be permanently deleted.

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureau or furnisher is required to conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of any information reported.

In addition, under Regulation F 12 CFR 1006.34, debt collectors are required to provide itemized validation notices and ensure all communications comply with debt collection rules. Any account that has
not followed these rules can not be legally reported.

I am also demanding that you ensure that these accounts are : - Reported with complete and accurate fields per Metro 2 Format - Do not violate FCRA 623 obligations to report accurate data - Properly coded, especially for charge-offs and collections # # # If these accounts are not deleted : Failure to comply with these federal regulations and your own internal procedures ( per the CDIA guidelines ) could result in legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
You have 30 days to complete this reinvestigation and provide a response, as required by law. 
Please send me a detailed summary of your reinvestigation, including : - The method of verification - The name and contact of the individual or department that verified each item - A copy of all supporting documentation used in the process Sincerely, XXXX XXXX Enclosures : Copy of Drivers License, Social Security Card, Proof of Address

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint is filed under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion block and remove information from my consumer credit report that is the result of identity theft and fraud. This fraudulent information must be addressed within four ( 4 ) business days of receiving this complaint and accompanying documentation. 

The false and unauthorized data currently appearing on my credit file includes the following closed and open derogatory accounts, none of which were opened, authorized, or used by me : Closed Charge-Offs and Late Accounts : XXXXXXXX XXXX XXXX Credit Card ) Closed account with history of 120-day delinquency XXXXXXXX XXXX XXXX Auto XXXX ) Closed auto loan account with 120+ day delinquency XXXX Closed credit account reported as paid charge-off XXXX XXXX Account # XXXX ) Closed account reported as charge-off with 11 separate 90-day late entries XXXX ( Account # 2 ) Closed with derogatory status XXXX XXXXXXXX Closed installment account charged off with an unpaid balance of {$950.00} XXXX Closed auto loan reported as charged off with a balance of {$5400.00} XXXX Closed account reported with a 30-day late payment Active Collections : XXXX XXXX Open collection account with a reported balance of {$3000.00} XXXX XXXX Open collection account totaling {$220.00} XXXX XXXX XXXX Two entries : One open collection with a balance of {$320.00} One closed and paid collection ( still negatively impacting my file ) These fraudulent accounts have also generated multiple unauthorized hard inquiries and derogatory marks, severely affecting my creditworthiness. I have not applied for or maintained any of the accounts listed above. All of them are the direct result of identity theft. 

I have enclosed : A copy of my FTC Identity Theft Report Proof of identity ( government-issued photo ID ) Proof of address Annotated credit reports from TransUnion, Experian, and Equifax showing the fraudulent items These accounts, inquiries, and derogatory marks are not mine and were not initiated by me. I respectfully request that all fraudulent data be permanently blocked from my report and that all data furnishers be notified within the timeframe required by law.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This CFPB complaint is filed under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion block and remove information from my consumer credit report that is the result of identity theft and fraud. This fraudulent information must be addressed within four ( 4 ) business days of receiving this complaint and accompanying documentation. 

The false and unauthorized data currently appearing on my credit file includes the following closed and open derogatory accounts, none of which were opened, authorized, or used by me : Closed Charge-Offs and Late Accounts : XXXXXXXX XXXX XXXX Credit Card ) Closed account with history of 120-day delinquency XXXXXXXX XXXX XXXX Auto XXXX ) Closed auto loan account with 120+ day delinquency XXXX Closed credit account reported as paid charge-off XXXX XXXX Account # XXXX ) Closed account reported as charge-off with 11 separate 90-day late entries XXXX ( Account # 2 ) Closed with derogatory status XXXX XXXXXXXX Closed installment account charged off with an unpaid balance of {$950.00} XXXX Closed auto loan reported as charged off with a balance of {$5400.00} XXXX Closed account reported with a 30-day late payment Active Collections : XXXX XXXX Open collection account with a reported balance of {$3000.00} XXXX XXXX Open collection account totaling {$220.00} XXXX XXXX XXXX Two entries : One open collection with a balance of {$320.00} One closed and paid collection ( still negatively impacting my file ) These fraudulent accounts have also generated multiple unauthorized hard inquiries and derogatory marks, severely affecting my creditworthiness. I have not applied for or maintained any of the accounts listed above. All of them are the direct result of identity theft. 

I have enclosed : A copy of my FTC Identity Theft Report Proof of identity ( government-issued photo ID ) Proof of address Annotated credit reports from TransUnion, Experian, and Equifax showing the fraudulent items These accounts, inquiries, and derogatory marks are not mine and were not initiated by me. I respectfully request that all fraudulent data be permanently blocked from my report and that all data furnishers be notified within the timeframe required by 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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Formal Debt Dispute Request for Validation Under 15 U.S.C. 1692g To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt that CREDIT COLLECTION SERVICE is attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt, including but not limited to : Proof that CREDIT COLLECTION SERVICE has the legal right to collect this debt, including a valid chain of title demonstrating ownership. A full accounting of the alleged debt, including the original creditor, principal amount, interest, fees, and any payments made. A copy of the original agreement bearing my signature that establishes my obligation to pay this debt. Verification that this debt is within the applicable statute of limitations as set forth under 15 U.S.C. 1692f. Additionally, I am asserting my rights under 15 U.S.C. 1692c to request that all communication regarding this matter be conducted in writing. Furthermore, I remind CREDIT COLLECTION SERVICE that any attempt to report invalid or unverified debt to the credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Until proper validation is provided, I am requesting that all collection efforts, including reporting to credit bureaus, cease immediately as per my rights under 15 U.S.C. 1692g ( b ). Please provide the requested documentation within 30 days. If XXXX XXXX XXXX is unable to validate this debt, I request that you remove any negative reporting and cease further collection efforts. I expect your prompt response. Failure to comply with federal law may result in legal action being taken against your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief