vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: WA

Complaint narrative:
I am submitting to formally dispute several inaccuracies on my TransUnion credit report. This is now my third round of dispute submissions regarding these accounts, and I am extremely frustrated that these errors remain uncorrected. Despite prior disputes and submission of supporting documentation, my report continues to display inaccurate information that negatively impacts my credit profile. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), to ensure that all information in my credit file is accurate, complete, and verifiable. The repeated reporting of unverifiable information is unacceptable and must be corrected immediately. 
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 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 2025-12-02 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: AL

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 non-monetary relief
Consumer complaint received 2025-12-02 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: CT

Complaint narrative:
I am filing this complaint because several accounts are being reported on my credit file that I have no knowledge of. None of these furnishers have provided any proof or verified documentation as required under the FCRA. These inaccurate and unverified entries are harming me, and I am requesting immediate investigation and correction or deletion. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Collection I have no knowledge of this alleged debt, never received validation required under 15 U.S.C. 1692g, and no original contract or proof has ever been provided. Reporting without proper verification violates 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). I request deletion. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff I do not recognize this account and no documentation proving my involvement has been provided. Reporting a {$0.00} charge-off without proof violates 1681e ( b ) and the reinvestigation obligations of 1681i and 1681s-2 ( b ). I request deletion. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$70.00} Chargeoff I do not know this account. No original contract, itemization, or proof exists. Reporting without verification violates 1681e ( b ), 1681i, and 1681s-2 ( b ). I request deletion. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Chargeoff I have no knowledge of this account and have never received any proof of its existence. Reporting it without documentation violates 1681e ( b ), 1681i, and 1681s-2 ( b ). I request deletion. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Chargeoff I do not recognize this account. No validation or contract has been produced. This violates 1681e ( b ), 1681i, and 1681s-2 ( b ). I request deletion. 

I am requesting the CFPB to enforce full compliance with the FCRA and require complete documentation and verification from each furnisher. Any account that can not be fully validated under federal law must be deleted immediately to prevent further damage to my credit standing.

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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I am receiving repeated phone calls from SoFi even after I clearly told them to stop calling my number. I withdrew my consent for phone contact, but they continued calling anyway. I asked to be placed on their Do-Not-Call list, and they still contacted me. I want all calls to stop immediately, and I want my number fully removed from all dialing systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates ( PRA ) used deceptive and unlawful litigation practices to obtain a judgment against me in XXXX County JP4 Court ( Case No. XXXX ). Although the court docket shows PRA filed an Affidavit of Business Records on XX/XX/year>, PRA did NOT serve me those records. Instead, on XX/XX/year>, PRA placed a packet of documents in my mailbox by First Class Mail, which is not proper service under Texas law and was not the same set of documents later filed with the court. The XXXX trial was reset from XX/XX/year> to XX/XX/year>. 

On the morning of the XX/XX/year> trial, PRA filed a brand-new Business Records Affidavit and exhibits and submitted them to the judge without serving or notifying me. I learned of the filing only after returning home. Texas Rule of Evidence 902 ( 10 ) requires business records affidavits to be filed AND served at least 14 days before trial. PRA served 0 days, provided no notice, and intentionally withheld the documents until the moment of trial. I was denied any chance to review, object, cross-examine the affiant, or prepare my chain-of-title and securitization defense. 

The affiant is located out of state, works for PRA ( not the original creditor ), and has no personal knowledge of the Synchrony accounts securitization into the XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ). PRA has produced no Bill of Sale referencing my account, no chain of title, and no trustee authorization. PRA represented to the court that it owns a charged-off, securitized debt that XXXX legally can not sell. 

PRAs conduct violates : Texas Rule of Evidence 902 ( 10 ) Texas Constitution Art. I 19 Federal Due Process ( 14th Amendment ) CFPB Regulation F CFPB Consent Orders requiring truthful, non-deceptive litigation practices FCRA duties of accurate reporting I respectfully request that the CFPB investigate PRA for : ( 1 ) filing new affidavits the morning of trial without service; ( 2 ) misrepresenting ownership of a securitized debt ; ( 3 ) improper service through First Class Mail ; ( 4 ) failing to disclose documents used to obtain judgment ; and ( 5 ) continuing to report inaccurate tradeline information while litigation is ongoing. 
PRAs actions in my court case match the exact deceptive litigation practices addressed in prior CFPB enforcement actions. Filing evidence the morning of trial without service is a direct violation of Rule 902 ( 10 ), denies the consumer due process, and unfairly prejudices the case outcome. 

I respectfully request enhanced CFPB review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: IL

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 explanation
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-12-02 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate items on my credit report in violation of FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ), FCRA 605B. 15 U.S.C. 1681c-2, and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) due to the absence of any required 1099-C for debts above {$600.00}. The following charge-offs are being reported inaccurately across Experian, Equifax, and TransUnion : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX each appearing across all three bureaus. I am also disputing unauthorized or improperly verified inquiries under FCRA 619, 604 ( a ), and 604 ( f ), including XXXX XXXX XXXX and XXXX XXXX XXXX in Experian, and XXXX XXXX XXXX in TransUnion.

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I am filing a complaint against Rocket Mortgage regarding the inconsistent and misleading way my Private Mortgage Insurance ( PMI ) has been calculated and applied. 

On XX/XX/year>, I received an email from XXXX XXXX, Executive Servicing Escalation Specialist, stating : PMI loan to current value percentage is based on the current principal balance divided by the purchase price or appraisal price whichever is lower. 

Despite this, Rocket used the purchase price ( {$450000.00} ) instead of my appraised value ( {$460000.00} ) when calculating my loan-to-value ( LTV ). This small but critical difference results in an LTV of 80.07 % instead of 79.14 %, keeping PMI in place even though I have reached the 80 % equity threshold. My PMI is {$430.00} per month, which should already have been removed. 

Rockets portal also shows a much higher Estimated Home Value of {$720000.00}, used to promote refinance or equity productsbut they ignore this or even the appraisal when it benefits the borrower. This selective application of values appears self-serving and predatory, lacking any transparent written policy. 

XXXX XXXX : XXXX Complainant : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: KY

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems for unlawful credit reporting and failure to validate a debt. They are reporting a collection from XXXX but have refused to provide proof of ownership, the original signed contract, billing statements, itemized accounting, or date of first delinquency.

Jefferson Capital claims to have verified the account with credit bureaus, yet can not supply documentation used for verification, violating FCRA 611 ( a ) ( 7 ) and 623 ( a ) ( 1 ).

As an active-duty military service member, they did not apply SCRA protections before reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 

Date of Last Activity. 

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company XXXX, XXXX XXXX XXXX, MIDLAND CREDIT MANAGEM and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 

Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - information relating to the purchase of a bad debt is not proprietary or burdensome. 

Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-12-02 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: EQUIFAX, INC.
State: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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