vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
writing to formally dispute the accuracy and legality of the way the following accounts are being reported on my credit file. 
These accounts were charged off on the respective dates listed. Since then, however, they have been continuously updated on a monthly basis with new " CO '' ( Charge-Off ) entries, which inaccurately suggests recurring payment activity. This not only misrepresents the nature of a charge-off account but falsely extends the appearance of delinquency and may unlawfully manipulate the statute of limitations.

This practice is misleading, creates unfair damage to my credit profile, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ) which requires credit reporting agencies to maintain

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 2025-07-29 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: NC

Complaint narrative:
writing to formally dispute the accuracy and legality of the way the following accounts are being reported on my credit file. 
These accounts were charged off on the respective dates listed. Since then, however, they have been continuously updated on a monthly basis with new " CO '' ( Charge-Off ) entries, which inaccurately suggests recurring payment activity. This not only misrepresents the nature of a charge-off account but falsely extends the appearance of delinquency and may unlawfully manipulate the statute of limitations.

This practice is misleading, creates unfair damage to my credit profile, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ) which requires credit reporting agencies to maintain

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NCB Management Services Inc.
State: MI

Complaint narrative:
I disputed a collection account from NCB Management Services for XXXX XXXX  XXXX XXXX XXXX. 

The account originally charged off at {$2600.00}. After my XX/XX/XXXX2025 payment the balance dropped to {$1900.00}. XXXX  shows XXXX past due as of XX/XX/XXXX2025 but I need confirmation that future payments are being reflected promptly. 
I requested XXXX  and NCB to confirm : Correct balance after payments That no unlawful fees or interest were added That the debt is properly tied to my original XXXX XXXX  account XXXX Date of First Delinquency so this can age off properly NCB has a duty under 15 U.S.C. 1681s2 ( b ) to update accurate balances and 1681i obligates XXXX  to reinvestigate. Failure to update after payments causes inaccurate reporting. 
I also requested that my credit file reflect active repayment. If verification can not be provided, the inaccurate reporting must be corrected or removed. My dispute letter and FTC Identity Theft Report # XXXX are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am writing in response to your attempt to collect a debt. I do not acknowledge ownership of this debt and request validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I am requesting the following : The amount of the alleged debt.

The name of the original creditor.

Proof that you are legally authorized to collect this debt.

A copy of the original contract or agreement bearing my signature.

A complete payment history and breakdown of any interest, fees, or other charges.

Until you provide this information, you must cease all collection efforts, including reporting this debt to credit bureaus. If you have already reported it, you must notify them that the debt is being disputed.

Please note that under the FDCPA, any attempt to collect on a debt without proper validation is a violation of federal law.

This letter is not a refusal to pay, but a request for validation. Upon receipt of the required documentation, I will determine my position on this matter.

I expect a response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I requested a debt validation three times a I haven't received any answer yet. I did the request over their website ( contact form XX/XX/XXXX) 1._ The first request was made on XX/XX/year>2025. 
2._ The second request was made on XX/XX/year>2025. 
3._ The third request was made on XX/XX/year>2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listedon my credit report that I believe was accessed or reported without a permissiblepurpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumerreport only under specific, lawful purposes listed in 1681b ( a ). Any entity thataccessed my credit file without my authorization or without a valid legal reasonhas done so in violation of this federal law. Upon reviewing my credit reports, Ifound entries that I did not authorize, nor did I initiate any transaction that wouldjustify such access. These unauthorized entries violate 1681b ( f ), which prohibitsusers from obtaining a consumer report without a permissible purpose. LegalPrecedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that acredit report pulled without a valid permissible purpose under FCRA constitutes awillful violation, which is actionable. Furthermore, multiple credit bureaus weredefendants in recent lawsuits filed in 2023 for re-reporting or permitting access toconsumer reports after the accounts were removed, which is also considered awillful disregard of consumer rights. 

XXXX XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: ID Analytics, Inc.
State: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-07-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX. : I have recently been informed that there is negative information reported by BANK OF AMERICA, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, in the file [ XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a [ condition, e.g., NSF, overdraft, account abuse ] in XX/XX/2023 I am unaware of ever having a [ same condition ] from this bank. Please validate this information with BANK OF AMERICA and provide me with copies of any documentation associated with this [ same condition ] bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the file you maintain under my Social Security number. 
You have 30 days to verify this information and to provide me with a document bearing my original signature. If you can not, I am demanding removal under the Fair Credit Reporting Act. 
This report is severely restricting my banking abilities.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
CONSUMER ADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJ is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I am a victim of identity theft. I submitted a valid FTC Identity Theft Report, government-issued ID, and proof of address to [ Experian/Equifax/TransUnion ] in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). I specifically requested that fraudulent accounts be blocked and permanently removed. XXXX  XXXX Account # XXXX, XXXX XXXX Account number XXXX Despite receiving all legally required documentation, the credit bureau failed to comply with federal law and instead marked the accounts as " verified '' and continues reporting them on my credit file. This violates my rights under the Fair Credit Reporting Act. I am requesting that [ Experian/Equifax/TransUnion ] immediately block and delete all identity theft-related information as required by law, and send written confirmation along with corrected credit 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
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
To Whom It May Concern : I recently discovered a collection account on my XXXX  credit report from your company, allegedly related to XXXX XXXX XXXX XXXX with an amount of {$1400.00}. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I formally request full validation of this alleged debt. 

Please provide the following : Proof that I am legally obligated to pay the debt The name and address of the original creditor Itemized breakdown of the amount owed A copy of the original signed agreement Proof that your agency is licensed to collect in my state Until I receive full validation, please cease all collection efforts, including reporting to credit bureaus. 

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores TransUnion 's failure to uphold consumer protections 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 2025-07-29 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:
I submitted a dispute requesting verification of the XXXX  account and asked for the method of verification ( MOV ) under Section XXXX of the FCRA. They verified the information as accurate without providing the method of verification or any supporting documentation.The credit bureau verified a tradeline from XXXX that should not be reporting. XXXX has confirmed the debt was sold, and they no longer have any financial claim to it. Despite my dispute, the bureau failed to properly investigate or obtain the necessary documentation. Under the FCRA, if a furnisher can not verify an account with complete and accurate information, it must be deleted. The continued reporting is damaging, misleading, and a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
I submitted a dispute requesting verification of the XXXX  account and asked for the method of verification ( MOV ) under Section XXXX of the FCRA. They verified the information as accurate without providing the method of verification or any supporting documentation.The credit bureau verified a tradeline from XXXX that should not be reporting. XXXX has confirmed the debt was sold, and they no longer have any financial claim to it. Despite my dispute, the bureau failed to properly investigate or obtain the necessary documentation. Under the FCRA, if a furnisher can not verify an account with complete and accurate information, it must be deleted. The continued reporting is damaging, misleading, and a violation of my consumer rights.

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 2025-07-30 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: OH

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-30 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: OH

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief