vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
This letter is a formal follow-up to my original dispute regarding an account reporting on my credit file called XXXX. Your previous response stated that the information was verified as accurate, yet you failed to provide the method of verification, the name and contact information of the data furnisher, and proof that a reasonable investigation was conducted. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXXi ( a ) ( 6 ) ( B ) ( iii ), I am legally entitled to a detailed description of how your investigation was conducted, including : 1. The method of verification you used, 2. The name, address, and phone number of the party who verified the account, and 3. Proof that a reasonable investigation occurred. 

If you are unable to provide this information within four ( 4 ) calendar days of receipt of this letter, you must immediately delete the disputed account from my credit file. Failure to comply is a violation of the FCRA and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and civil legal action. 

This is a time-sensitive matter. Please respond in writing to the address listed above. 

Sincerely, 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 2025-07-17 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:
This letter is a formal follow-up to my original dispute regarding an account reporting on my credit file called XXXX. Your previous response stated that the information was verified as accurate, yet you failed to provide the method of verification, the name and contact information of the data furnisher, and proof that a reasonable investigation was conducted. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXXi ( a ) ( 6 ) ( B ) ( iii ), I am legally entitled to a detailed description of how your investigation was conducted, including : 1. The method of verification you used, 2. The name, address, and phone number of the party who verified the account, and 3. Proof that a reasonable investigation occurred. 

If you are unable to provide this information within four ( 4 ) calendar days of receipt of this letter, you must immediately delete the disputed account from my credit file. Failure to comply is a violation of the FCRA and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and civil legal action. 

This is a time-sensitive matter. Please respond in writing to the address listed above. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have called and requested investigation on my closed accounts, my credit score is not being updated, almost XXXX points less than my other two credit companies. Nothing is being done.

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 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I started paying off my debt balance of {$4600.00} in XXXX. Made payment arrangements and paid on time every month until XX/XX/XXXX when I had a baby and was in medical leave. I had an agreement with the company that I could pause payments until XXXX when I returned back to work. They agreed and said it would be interest free. The remaining balance was {$990.00}. 
In XX/XX/XXXX I was severed paperwork that I was responsible for all the months I was on medical leave plus all new interest. I went to the office and tried to speak with a manger but the man was very rude and hostile and said he will just put a levy on my bank account and will continue to do so. He was completely unreasonable and not willing to go back to original payment plan and original balance that I had spent the last year and a half paying down. 
Now XX/XX/XXXX theyre attempting to garnish wages. The work address is not correct and they are attempting to garnish a different XXXX XXXX wages at a healthcare center that is unknown 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 2025-07-17 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: NY

Complaint narrative:
Some time ago, I began to notice a troubling number of unfamiliar accounts appearing on my credit reportsso many, in fact, that I cant begin to guess where they originated. Naturally, I became deeply concerned and took immediate action. I formally requested validation from the credit bureau for each of these fraudulent accountsspecifically asking for copies of the original signed contracts, as is my right, so I could begin to understand who might be using my identity and take steps to clear this matter. 

Following their guidelines, I submitted a detailed letter along with a report from the FTC nearly two months ago. Yet, to this day, I have not received any of the documentation I requested. Ive been given no indication of the method of verification used, no information about who they may have spoken with at these companies, and unfortunately, these fraudulent items still remain on my report. 

At my age, Ive worked hard to protect my credit and my name. This delayand the lack of transparencyis not only frustrating but incredibly unsettling. Im simply trying to get to the truth and ensure my identity is no longer misused.

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 2025-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : You Violated the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under XXXX XXXX Code XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor did not notify me XXXX  days before with a statement so there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 


XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXXXXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



Sincerely, 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Pay Experian For Years Each Month {$29.00} & I Had A Lot Of Information In It But Today When My Bank Contacted Experian, Equifax, TransUnion Said I Have No FICO SCORE NO INFORMATION AT ALL When XXXX XXXX XXXX XXXX, Bought A Home XXXX My Mortgage XXXX XXXX XXXX + All My Accounts Ive Paid For Years But Now Suddenly Everything is ERASED XXXX Nothing Of My Credit History Was On Any Credit Bureau. I Called Experian But Their Robot Refuses To Let Me Speak To A Human Agent & Hangs Up On Me. Something Is EXTREMELY WRONG PLEASE HELP THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Pay Experian For Years Each Month {$29.00} & I Had A Lot Of Information In It But Today When My Bank Contacted Experian, Equifax, TransUnion Said I Have No FICO SCORE NO INFORMATION AT ALL When XXXX XXXX XXXX XXXX, Bought A Home XXXX My Mortgage XXXX XXXX XXXX + All My Accounts Ive Paid For Years But Now Suddenly Everything is ERASED XXXX Nothing Of My Credit History Was On Any Credit Bureau. I Called Experian But Their Robot Refuses To Let Me Speak To A Human Agent & Hangs Up On Me. Something Is EXTREMELY WRONG PLEASE HELP THANKS

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I received a response from Portfolio Recovery Associates ( XXXX ) regarding a disputed debt they claim originated with XXXX XXXX  for a XXXX credit card account. I had previously submitted a debt validation request asking for full documentation to prove the debt is mine and that XXXX has the legal authority to collect it. 

In response, XXXX sent a billing statement, a letter from XXXX XXXX  stating the account was sold, and transaction summaries. However, they did not provide a signed contract, no full accounting of the debt from origination, and no legally binding proof of ownership or assignment of the debt. This does not satisfy the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 

Additionally, the documents provided were confusing and did not clearly identify the origin or complete payment history of the debt. Despite the insufficient validation, XXXX continues to report this debt to credit bureaus, causing harm to my credit profile and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
IN XXXX I called the bankruptcy court to request information and was told that they do not release information to anyone, not EVEN the credit bureau SO HOW DID THIS Information VERIFY. THE CREDIT Reporting act REQUIRES THE Information TO Be -verify. please remove this Bankrupt Because it is inaccurate and no ROOF HAS Been rendering

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 2025-07-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 2025-07-17 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: PA

Complaint narrative:
TO : Notice of Dispute and Demand for Remedy Under XXXX U.S. CXXXX  XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

The disputed information has caused harm, and I am asserting my rights under federal law. 
Please be advised that under {$16000.00} ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. 

I request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. 
This is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: TomoCredit Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  TO OBTAIN A TOMOBOOST CREDIT CARD WITH A XXXX XXXX XXXX CREDIT LIMIT WITH A 2-YEAR HISTORY. THEY DID NOT FOLLOW THROUGH. They canceled MY ATTEMPT TO SPEAK TO A LIVE PERSON. BUT IN MAY WE SPOKE TO A CSR. They promised things would reflect inXX/XX/XXXX Tha never HAPPENED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This letter is a formal request to dispute a late payment entry on my credit report, which I believe to be incorrect. I have consistently made timely payments and take pride in managing my financial obligations responsibly. The late payment listed does not align with my records and appears to have been reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Currently in litigation with Midland Credit Management for a debt that was charged off by the original company ; XXXX. Asked for purchase agreement, payment history, insurance claim, complete account number, any information that was tied to the account. They were untruthful and said I defaulted on the account, which caused it to close. When in fact the account was closed due to the company not renegotiating a contract. I still have not received the full account number, and they continue to state my account was bought from XXXX. The information they provided did not state my account was among the accounts sold, and they still have not validated the account is mine. They also included an arbitration clause that is not binding for my account. The account I had was opened in XXXX, there is a specific arbitration clause that goes with my account. I am entitled to an arbitration per my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
This letter is to notify you that a collection account appearing on my credit report is being reported in error or as a result of fraudulent activity. I have no association with this debt and have not received any valid proof of its legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 was checking my credit report and found this that I don't recognize. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-17 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: CA

Complaint narrative:
these are not my mine please remove all inquiries from my credit report this is fraud 33 they are 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 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
False medical debt on my account, i have NEVER been to this place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Someone opened a credit card under me on XX/XX/scrub>, 2025 with Concora credit, with charges. I have no connections to the account and have tried contacting Concora about this issue but no one answered the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
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 XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief