vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ter XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Follow-up on Complaint # XXXX Inaccurate Credit Reporting by XXXX  and Equifax To Whom It May Concern : I am writing to follow up on Complaint # XXXX, previously submitted regarding inaccurate and misleading credit reporting by XXXX  and Equifax. Despite my direct communication with both credit bureaus, the erroneous information has not been corrected, and I am requesting the CFPB 's continued assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

The credit reports generated on XX/XX/year> ( Equifax ) and XX/XX/year> ( XXXX  ) include several accounts that are improperly reported : XXXX. XXXX  Numerous accounts from XXXX XXXX. ( e.g., XXXX, XXXX, XXXX, XXXX ) continue to display charge-offs and derogatory payment history, even though they were clearly XXXX unXXXX XXXX XXXX bankruptcy. 

XXXX. Equifax Accounts such as XXXX, XXXX XXXX, and XXXX XXXX, XXXX are also inaccurately marked included in bankruptcy but continue to reflect negative remarks or outdated statuses. 

These entries are inconsistent, misleading, and violate FCRA standards for accuracy and completeness. I have made good faith efforts to dispute these inaccuracies directly with the credit bureaus, yet no satisfactory resolution has occurred. 

I respectfully request that the CFPB : - Ensure the credit bureaus conduct a full reinvestigation of these accounts ; - Confirm that any information reported is accurate, complete, and timely updated to reflect my bankruptcy discharge status ; - Hold the data furnishers and reporting agencies accountable if they fail to comply with their legal obligations. 

Supporting documents attached : - Government-issued photo ID - Proof of current address - Copies of XXXX  and Equifax credit XXXX- Bankruptcy discharge documentation ( if applicable ) - Original dispute correspondence and complaint acknowledgment ( if applicable ) I appreciate your assistance and look forward to a fair resolution. 

Sincerely, XXXX XXXX XXXX ( last XXXX digits ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: NV

Complaint narrative:
I paid my XXXX lease in full and returned the vehicle on time. I later received a Turn-In Settlement Invoice for {$1900.00}, which I was not clearly notified about in advance. The amount was charged off and reported to the credit bureaus, causing my XXXX XXXX to drop by over XXXX points. As soon as I became aware of the balance, I contacted Audi Financial Services and paid a negotiated settlement of {$1400.00} in full on XX/XX/year>. Despite this, the charge-off remains on my credit report, and Audi Financial Services refuses to remove or adjust iteven as a goodwill gesture. I believe this reporting is unnecessarily damaging, especially since the account has been fully resolved and I was not intentionally delinquent. Im requesting that the charge-off be removed or corrected to better reflect the good faith resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/scrub>XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681c-2 ) that you, Early Warning 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 personal credit card account opened at XXXX on. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I asked Experian to investigate and have the company to submit the original contract, a 1099 C, or remove the debt I have submitted all documents needed and still they denied me my rights under 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 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AL

Complaint narrative:
I initiated a consolidation in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The consolidation provided me with a total consolidated payment estimate of around {$340.00} a month. It was also in the qualifying period of the one time consolidation request to update all my loans into one account and adjust my payments to the highest count present ( roughly XXXX payments at the time ). I agreed and sent the form in. However, MOHELA stated I was still enrolled and would not process the request. I provided letters from the school and even the department of education has my enrollment dates correct. MOHELA refused to consolidate these loans under the XXXX time consolidation. This prevented me from entering into repayment, and by now of this date I should have XXXX payments and my student loans XXXX. I've incurred financial stress, and hardship from MOHELA fraudulently preventing me from gaining benefits provided by the federal government and the XXXX program.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent Experian, Transunion, and Equifax dispute letters regarding inaccurate information on my credit report on XX/XX/year>. They have yet to respond within the 30 day window.

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 2025-06-23 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-06-23 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
b'Recently I did an investigation on my credit report and found several items on there to be inaccurate.\nUnder 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.\n15 U.S. Code 16811(5) Treatment of inaccurate or unverifiable information(A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall-i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and(ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\nPlease remove the following items from my credit report, immediately:\n\n\n*****Experian******\n\nXXXX 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 XXXX XXXXXXXX XXXX XXXXEquifaxXXXX 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 XXXXXXXX XXXX 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 2025-06-23 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Klima , Peters & Daly , P.A . contacted me regarding an alleged debt that they claim I owe to XXXX XXXX XXXX. I formally disputed this debt and sent them a comprehensive debt validation letter pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. 
In my validation demand, I requested essential documentation including : an itemized breakdown of the alleged debt, dates of debt incurrence and last payment, charge-off/default date, complete account statements, the original signed contract, proof of their legal authority to collect, and verification that Maryland 's statute of limitations has not expired.

I also restricted their communications to written correspondence only, specifically prohibiting telephone calls, text messages, emails, and third-party contact while allowing only written validation responses and settlement offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 5. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

6. Inadequate Investigation and Reliance on Automated Verificati
on Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

7. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

8. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-06-24 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ter XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Follow-up on Complaint # XXXX Inaccurate Credit Reporting by XXXX  and Equifax To Whom It May Concern : I am writing to follow up on Complaint # XXXX, previously submitted regarding inaccurate and misleading credit reporting by XXXX  and Equifax. Despite my direct communication with both credit bureaus, the erroneous information has not been corrected, and I am requesting the CFPB 's continued assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

The credit reports generated on XX/XX/year> ( Equifax ) and XX/XX/year> ( XXXX  ) include several accounts that are improperly reported : XXXX. XXXX  Numerous accounts from XXXX XXXX. ( e.g., XXXX, XXXX, XXXX, XXXX ) continue to display charge-offs and derogatory payment history, even though they were clearly XXXX unXXXX XXXX XXXX bankruptcy. 

XXXX. Equifax Accounts such as XXXX, XXXX XXXX, and XXXX XXXX, XXXX are also inaccurately marked included in bankruptcy but continue to reflect negative remarks or outdated statuses. 

These entries are inconsistent, misleading, and violate FCRA standards for accuracy and completeness. I have made good faith efforts to dispute these inaccuracies directly with the credit bureaus, yet no satisfactory resolution has occurred. 

I respectfully request that the CFPB : - Ensure the credit bureaus conduct a full reinvestigation of these accounts ; - Confirm that any information reported is accurate, complete, and timely updated to reflect my bankruptcy discharge status ; - Hold the data furnishers and reporting agencies accountable if they fail to comply with their legal obligations. 

Supporting documents attached : - Government-issued photo ID - Proof of current address - Copies of XXXX  and Equifax credit XXXX- Bankruptcy discharge documentation ( if applicable ) - Original dispute correspondence and complaint acknowledgment ( if applicable ) I appreciate your assistance and look forward to a fair resolution. 

Sincerely, XXXX XXXX XXXX ( last XXXX digits ) : 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is a request to reopen and escalate CFPB Complaint ID # XXXX regarding Portfolio Recovery Associates ( PRA ).

While PRA responded to my dispute, I maintain that they * * did not provide legally sufficient validation * * under the Fair Debt Collection Practices Act ( FDCPA ) for the accounts ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They submitted : - Basic account summaries- Billing statements- A letter saying the accounts were purchased They * * did not provide * * : - A signed agreement - A full account ledger or itemized breakdown of charges - Clear chain of custody or legal proof of ownership of the debts Additionally, XXXX of the accounts is listed under the name XXXX XXXX while my legal name is XXXX XXXX XXXX. Although XXXX is a nickname I have used, * * this discrepancy raises the need for identity verification * *, which PRA failed to address.

Given the lack of documentation, I believe these debts remain unvalidated and should not be reported to the credit bureaus under the Fair Credit Reporting Act ( FCRA ). The accounts should either be removed or properly marked as disputed until adequate validation is produced.

I respectfully ask the CFPB to assist in : 1. Reopening this complaint ; 2. Requiring PRA to provide proper validation ; 3. Considering further enforcement action if they fail to comply.

Thank you for your help in protecting my consumer rights.

Company response to consumer: Closed with explanation