vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates must delete a very old XXXX XXXX collection that has not existed for over XXXX. 

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX XXXX XXXX XXXX XXXXXXXX respectively. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-14 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: GA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the XXXX XXXX XXXX XXXX ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section XXXX ( a ), XXXX XXXX XXXX are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the XXXX XXXX XXXX XXXX ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section XXXX ( a ), XXXX XXXX XXXX are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date 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 2025-07-14 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: TX

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$970.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$970.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-07-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-14 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: CO

Complaint narrative:
Transunion is reporting an illegal account that does not belong to me. XXXXXXXX XXXX XXXX XXXX XXXXXXXX is not my account and XXXXXXXX XXXX  has refused to remove this account knowing that it does not belong to me. I demand that Transunion and XXXX remove this account immediately and stop hurting my credit profile. Their action is an affront to the golden rule under the FCRA to report accurate and true information. As a result of their impunity, they continue to injure my credit rating.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have an USPS account so I am able to see my incoming mail and packages arriving on that exact day delivered an address I previously resided at. 
I believe I believe Ive already been compensated sometime on last month of XX/XX/year>. 
I wanted to update my address and have the checks reissued. I was given another number to call but I cant reach anyone strangely after I hung up I received an call back less than 5 minutes the customer service I had previously spoken with said she had did a check for {$35.00} and I could give her an address to mail it to MI never actually got checks mailed to my previous address directly sent from Wells Fargo Bank, NA XXXX. XXXX XXXX XXXX, Minnesota 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 2025-07-14 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:
This complaint is being formally submitted to demand the immediate and permanent removal of all fraudulent, inaccurate, and unauthorized information appearing on my consumer credit report maintained by TransUnion, in full compliance with my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ).

You are hereby legally obligated to block all disputed information within four ( 4 ) business days of receiving this complaint, as mandated by federal law. Failure to do so constitutes a direct violation of the Fair Credit Reporting Act and may result in legal action and regulatory penalties.

The following accounts and collections were fraudulently created without my knowledge, authorization, or consent, and are the result of identity theft : The fraudulent account in question is XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX opened on XX/XX/year>, with a balance of XXXX. This unauthorized account has triggered multiple fraudulent collections which I did not authorize or initiate. I demand the immediate removal of this account and all related collection activity from all consumer credit reports under my name. This demand is made pursuant to my rights under the FAIR CREDIT REPORTING ACT ( FCRA ) and the FAIR DEBT PRACTICES ACT ( FDCPA ). 
This fraudulent account has also triggered multiple unauthorized hard inquiries and caused severe and unjustified damage to my consumer FICO credit score. To support this demand, I have attached the following documentation : A full copy of my TransUnion consumer credit report showing the disputed items. A list of all fraudulent hard inquiries tied to these unauthorized accounts An official FTC Identity Theft Report ( Complaint # [ XXXX ] ), filed with the U.S. Federal Trade Commission, verifying the above items as confirmed identity theft Let this serve as formal notice that I did not open, authorize, or initiate any of the above accounts, collections, or inquiries. They are 100 % fraudulent, and your continued reporting of these items violates federal law. I demand that TransUnion permanently block all referenced items within 4 business days, as required under FCRA 605B. You are also prohibited from re-inserting any of these items into my report unless all legal reinsertion procedures, including written notice, are strictly followed under FCRA 611 ( a ) ( 5 ) ( B ).

Failure to comply will result in immediate escalation through legal channels, including litigation and additional federal complaints.

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 2025-07-14 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: CO

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On/around XXXX XXXX I rented a XXXX under my moms name, XXXX XXXX. And I used my Capital One credit card ending in XXXX to pay. There was an issue when paying. XXXX charged me for somebody elses rental that was {$420.00}. They then reversed the transaction and issued a refund for the full amount of {$420.00} that was supposed to be returned to my card. I waited a whole week and the funds never returned to my account so I went to dispute it with Capital One. Here we are two months later and Capital One is refusing to refund my money stating that I didnt provide enough information or proof when I literally gave them EVERYTHING that XXXX  sent me and even spoke with someone from XXXX  corporate. Their corporate office told me that they issued and processed the refund and my bank never reversed the transaction to have the funds returned. Please advise and have this resolved or I will be contacting my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
To Whom It May Concern : I am formally disputing the inaccurate, misleading, and unverifiable information currently being reported on my credit file regarding the above-referenced account, pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX  ). 

Basis for Dispute : Misleading Payment History : The reported payment history indicates a " red '' derogatory status in XX/XX/XXXX with an unclear status in early XXXX, while also showing a current status as " Current '' with only {$13.00} past due and 94 % on-time payments. This inconsistency is misleading to any creditor reviewing my report. You are obligated under FCRA XXXX ( b ) to ensure information is not only accurate but not misleading in any way. This dual-reporting creates an artificially negative perception of my creditworthiness. 

Unverifiable Delinquency : The derogatory mark ( XXXX days late ) conflicts with the overall payment performance. I demand strict verification of this claim, including documented proof from the furnisher of when the payment was due, when it was received, and how the delinquency was calculated. If such data can not be verified within XX/XX/XXXXdays, you are required to promptly delete the derogatory data under FCRA XXXX. 

Violation of FCRA XXXX Reporting of Allegedly Fraudulent or Inaccurate Data : I am asserting my rights under FCRA XXXX to request the blocking of this account 's negative information if it is the result of identity theft or any unverifiable or inaccurate reporting. Given the unsubstantiated derogatory reporting, the inability to clearly identify the factual basis for the late mark, and the misleading nature of the information, I request this item be immediately blocked or removed as allowed under 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 2025-07-14 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AR

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} OFFICE OF THE ATTY GEN XXXXXXXX XXXX XXXX  Balance : {$500.00}

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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
XX/XX/year> Dear Brock & Scott , PLLC, Re : Reference XXXX XXXXXXXX I am writing in regards to the above account for {$35000.00} which you state I am responsible for that I never authorized. I do not care that they hired y'all. The original company who sold you the debt, which is XXXX XXXX XXXX XXXX charged off this fraudulent account and sold it to Brock & Scott , PLLC and states that I am responsible for. This company sold this accused debt and I am not responsible for this fraudulent account. Under the FCRA, this company failed to comply, and it has led Brock & Scott , PLLC, breaching your own contract by violating the Arbitration Clause ( FAA ), 9 U.S. Code 116.

Since this contract has been breached, I am demanding you in 30 days to remove this account associated with me and on my credit report. In this case, which is the only attempt ; failure to do so will result in complaints to : XXXX  State Attorney General, FCRA violation complaint, CFPB Complaint as well as a lawsuit. I have also filed a police report regarding this matter and will be using it for evidence when I file my claim against this company for harassment, and being in violation. 
LAST WARNING TO STOP CONTACTING ME. I have already filed the necessary documents with XXXX XXXX about this fraudulent account and they are aware. If you contact me again I will proceed with a lawsuit and seek for harassment and damages just like I did with XXXX XXXX. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ragan & Ragan, P.C.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom This May Concern, i have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection and remove it all together. 



Please attach copies of the following documents : - Agreement that you have the authority to collect on this alleged debt. 
- Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
- Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation