vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Who : The company reporting this account is Central Portfolio Control ( Account number partially listed as XXXX ). 

What : A collection account for {$2000.00} has suddenly appeared on my credit report with a reported open date of XX/XX/XXXX, and balance updated on XX/XX/XXXX. This account is being reported as a new collection, but according to the information provided, it is scheduled to remain on my credit report only until XX/XX/XXXX. This implies the original debt is from XXXX or earliermore than 6 years old. 

When : The collection account status was updated in XX/XX/XXXX and the balance updated in XX/XX/XXXX, yet it was not previously reported. This sudden appearance is suspicious and inconsistent with accurate credit reporting timelines. 

Where : This account is being reported on my credit file, and it appears under the name CENTRAL PORTFOLIO CONTRO. 

Why ( complaint reason ) : The timing and age of the debt indicate it is likely beyond the statute of limitations for reporting ( typically 7 years from the date of first delinquency ). 

The debt has suddenly appeared as newly opened in XXXX, though it must have originated well before then if it is to be removed in XX/XX/XXXX. 

This appears to be a form of re-aging the debt to make it appear more recent than it actually is, which may be a violation of the Fair Credit Reporting Act ( FCRA ). 

I have never received a validation notice from Central Portfolio Control and request full validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Got an alert from Experian that JEFFERSON CAPITAL SYSTEM ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) reported a collection. I have never done business with this entity. Entity said its a debt from XXXX. I have never done business with XXXX. This is fraudulent. I put in a dispute with XXXX ( Report # XXXX ) who has somehow completed their investigation within an hour on XXXX XXXX  night without disclosing what methods they used to verify/validate this claim ( 15 USC 1692g and 15 USC 1692h ) resulting in unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America regarding a fraudulent account they continue to report to credit bureaus, despite having received full and legally sufficient identity theft documentation under the Fair Credit Reporting Act ( FCRA ). 

The account in question : - Bank of America Account # : XXXX Balance : {$1500.00} - Status : Charged off approximately XXXX years ago This account was opened fraudulently using my stolen identity. It is explicitly listed in : - A sworn FTC Identity Theft Affidavit - FTC Identity Theft Report - A police report filed with the XXXX Police Department ( Case # XXXX ) I submitted these documents to Bank of America along with a formal FCRA 605B dispute letter requesting that they : 1. Cease furnishing this data to all consumer reporting agencies 2. Notify the bureaus that this account resulted from identity theft Despite this, Bank of America has not confirmed deletion and continues to report the account to XXXX or more credit bureaus. This violates : - FCRA 605B Failure to block identity theft data - FCRA 623 ( a ) ( 6 ) and 623 ( a ) ( 7 ) Furnishing disputed information post-notice - FCRA 616 Civil liability for willful noncompliance Additionally, this account is approximately XXXX XXXX XXXX. If Bank of America fails to comply within the legal time frame, the account will soon be in violation of FCRA 605 ( a ) as well, which prohibits negative reporting beyond XXXX years from the date of first delinquency.

I am requesting the CFPB investigate and compel Bank of America to : - Immediately block and delete this account - Cease reporting it to any credit bureau - Confirm compliance in writing Supporting documentation is attached.

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 2025-05-12 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: MD

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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

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 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 2025-05-12 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: FL

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 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 2025-05-12 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: MA

Complaint narrative:
I recently reviewed my credit report and identified an inaccuracy regarding XXXX of my accounts. It is currently showing a late payment ; however, this payment was made on time. Accurate reporting is required by consumer reporting standards, and this account has never been delinquent. 

For your reference, I have attached a copy of my credit report highlighting the discrepancy, originally dated XX/XX/year>. I am formally requesting that you investigate this matter and provide verifiable documentation to support the reported late payment. 

If the information can not be substantiated, I respectfully request that the record be corrected to reflect an on-time payment without delay. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: LJ Ross Associates
State: MI

Complaint narrative:
This company is violating my rights, they have not provided validations information under 12cfr 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 
i have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation i listed, they either pay me or delete theses accounts ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
My XXXX  loans all reported at 90 days late when they have been and is currently still in deferment. My score dropped XXXX points on Experian and TransUnion. I have never been late on a payment that wasnt due. This needs to be corrected immediately.

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 2025-05-12 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:
XXXX XXXX XXXX XXXX Date of birth XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, Equifax and transunion 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 XXXX, XXXX amount {$3300.00} under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX I on XXXX, XXXX amount {$2100.00} under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XXXX, XXXX amount {$2100.00} under the account number ( XXXX ), a credit account opened at XXXX credit on XXXX, XXXX amount {$9000.00} under the account number ( XXXX ) child support account open at child support enforcement on XXXX amount not reported under account number ( XXXX ). These accounts have resulted in several 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 as reported. The aforementioned accounts, collections 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 


OPEN ACCOUNTS : XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- $ XXXX # XXXX XX/XX/XXXX -- $ XXXX # XXXX XX/XX/XXXX -- $ XXXX # XXXX XX/XX/XXXX -- $ XXXX # XXXX XX/XX/XXXX -- $ XXXX # XXXX -- $ XXXX # XXXX XX/XX/XXXX -- $ XXXX # XXXX XX/XX/XXXX -- $ XXXX # XXXX XX/XX/XXXX -- $ XXXX # XXXX XX/XX/XXXX -- $ XXXX # XXXX XX/XX/XXXX -- {$4100.00} CLOSED ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- $ XXXXXXXX XXXX # XXXX XX/XX/XXXX -- $ XXXX # XXXX XX/XX/XXXX -- {$1900.00}

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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-12 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX MTR # XXXX XX/XX/XXXX -- {$2400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$230.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Date : XXXX Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Debt Validation Account Ending in XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally request validation of a debt that you have reported to XXXX, which appears on my credit report dated XX/XX/XXXX. This request is being made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

According to my credit report, the alleged debt is listed as follows : Original Creditor : XXXX XXXX XXXX XXXX : Southwest Credit Systems Original Amount Owed : {$1600.00} Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Status : Unpaid Account Number : Ending in XXXX XXXX XXXX XXXX XXXXXXXX Please provide me with the following documentation to validate the above-mentioned debt : 1. The amount of the debt, including a breakdown of any fees or interest. 
2. The name of the original creditor and proof of the debts assignment to your agency. 
3. A copy of the original contract or agreement bearing my signature. 
4. Documentation that you are licensed to collect debts in my state, if applicable. 

Until this debt is validated, I request that you cease all collection efforts and not report or continue to report this information to any credit reporting agency. If you have already reported it, please inform the credit bureaus that the debt is disputed. 

Please respond to this request in writing within 30 days, as required by federal law. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. 

The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts. 
XXXX. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX. Written notice ofyour findings within the 30-day period allowed by law. 

Enclosed are the necessary supporting documents, including a copy of my government-issued ID and proof of residency. 
XXXX XXXX  XXXX XXXX....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CT

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 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 2025-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I received letter to pay outstanding taxes by certain date. I paid the taxes within the timeline. The mortgage company appears to have attempted to pay the taxes. Mortgage company was advised via email to XXXX that taxes were paid within timeline and escrow was not needed. Mortgage overstep the deadline in order to pay taxes and increase my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX # XXXX XX/XX/XXXX -- $ XXXX XXXX  # XXXX XX/XX/XXXX -- $ XXXX XXXX  XXXX B # XXXX XX/XX/XXXX -- $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- $ XXXX XXXX  # XXXX XX/XX/XXXX -- $ XXXX XXXX  # XXXX XX/XX/XXXX -- {$290.00}

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 explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX # XXXX XX/XX/XXXX -- $ XXXX XXXX  # XXXX XX/XX/XXXX -- $ XXXX XXXX  XXXX B # XXXX XX/XX/XXXX -- $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- $ XXXX XXXX  # XXXX XX/XX/XXXX -- $ XXXX XXXX  # XXXX XX/XX/XXXX -- {$290.00}

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 explanation
Consumer complaint received 2025-05-12 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$230.00} ( Original Creditor : XXXX XXXX ) XXXX * * * * Balance : {$1000.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation