vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: MS

Complaint narrative:
I requested debt validation 60 days ago, as is my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). However, the company failed to provide a valid agreement. As I don't have an agreement with them, I'm disputing the debt. They didn't validate the account as requested.

Given their failure to validate, I demand that they : - Immediately cease all collection activities- Remove the debt from my credit report without delay - Notify the credit bureaus to update my file accordingly and delete any negative marks related to this debt - Provide written confirmation of these actions within 10 days As they have failed to meet their obligations under the FDCPA, I expect prompt resolution. Please take immediate action to resolve this matter and ensure my credit report is updated accurately. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero

compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your
continued reporting of unverified and inaccurate information, despite my m

ultiple disputes, demonstrates reckless disregard for the law and my rights. You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 3.The names, contact information, and job titles of the individuals who handled my dispute. 4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED 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 non-monetary relief
Consumer complaint received 2025-06-05 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:
On XXXX XXXXXXXX XXXX XXXX and Equifax stated on CFPB Portal respond to file complaints that they removed all the DEROGOTARY DELIQUENCIES ACCOUNTS OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX FRAUDALENT VA LOANS AND PURCHASE OF XXXX XXXX XXXX OF CORRUPTED DECEITFUL SALE AND PURCHASE OF XXXX XXXX  OF {$440000.00} DOLLARS .. NONDISCLOSURES LAW VIOLATIONS AMD VIOLATIONS OF MY XXXX XXXX CIVIL RIGHTS ACT.. 
MAJOR DISCRIMINATION AND RETALIATIONS OF XXXX, XXXX  AND EQUIFAX BECAUSE I FILED FEDERAL COMPLAINTS. 

On XXXX XXXX US DEPARTMENT OF VETERANS AFFAIRS BUY OUT PURCHASE XXXXXXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX. 
US Department of Justice XXXX AND INTERNAL REVENUE SERVICE HAS MY FILED COMPLAINTS FROM XX/XX/year>XXXX  TILL PRESENT. 

I am respectfully XXXX Lifetime and Retired I am not able to obtain a new VA Loan because all the DEROGATORY REMARKS OF XXXXXXXX XXXX XXXX TRADELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
On XXXX XXXX XXXX, Transunion and XXXX  stated on CFPB Portal respond to file complaints that they removed all the DEROGOTARY DELIQUENCIES ACCOUNTS OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX FRAUDALENT VA LOANS AND PURCHASE OF XXXX XXXX XXXX XXXX CORRUPTED DECEITFUL SALE AND PURCHASE OF XXXX XXXX  OF {$440000.00} DOLLARS .. NONDISCLOSURES LAW VIOLATIONS AMD VIOLATIONS OF MY XXXX XXXX CIVIL RIGHTS ACT.. 
MAJOR DISCRIMINATION AND RETALIATIONS OF XXXX, TRANSUNION AND XXXX  BECAUSE I FILED FEDERAL COMPLAINTS. 

On XXXX XXXX US DEPARTMENT OF VETERANS AFFAIRS BUY OUT PURCHASE XXXXXXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. 
US Department of Justice XXXX AND INTERNAL REVENUE SERVICE HAS MY FILED COMPLAINTS FROM XX/XX/XXXX  TILL PRESENT. 

I am respectfully XXXX Lifetime and Retired I am not able to obtain a new VA Loan because all the DEROGATORY REMARKS OF XXXXXXXX XXXX XXXX TRADELINES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MS

Complaint narrative:
i sent all 3 bureaus my first letter on XXXXXXXX  about the inaccurate accounts they are reporting and it comes back verified, this is my 2nd and final letter to them concerning my accounts, i have been getting denied for credit because of this violation. I have attached copies of all the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MS

Complaint narrative:
i sent all 3 bureaus my first letter on XXXXXXXX  about the inaccurate accounts they are reporting and it comes back verified, this is my 2nd and final letter to them concerning my accounts, i have been getting denied for credit because of this violation. I have attached copies of all the letters below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eagle Recovery Associates, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I received a letter stating a debt collection. Eagle Recovery was the debt collector and on their website they said the my could be reach by email which I did and can be seen below I received a letter saying there is an outstanding debt that I don't recognize as it was paid previously. The reference # is XXXX. 
This was the email that was sent I never got an email back from them or any letter or notice just repeated calls which I refused because they never responded to my request. In addition they began to call my girlfriend which has no association to this whatsoever and they had no right to do so.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-05 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:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name.

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging.

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.

Any collection efforts tied to these accounts must cease and desist without delay.

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
XXXX XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC regarding the inaccurate and incomplete reporting of the account listed as : XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX This account is being reported as a charge-off with multiple late payments, which is factually incorrect. Additionally, the reporting is incomplete, as it fails to provide the full account number or proper contact information for the original creditor, which hinders my ability to verify or validate the debt directly. 

Key Issues : 1. Inaccuracy in Reporting : The account is inaccurately listed with delinquent payments.

There is no factual basis for the negative reporting reflected on my credit report. 
2. Incomplete Information : The account is missing critical identifying information, including the full account number and an appropriate contact number or address for the original creditor XXXX XXXX XXXX ( CLOSED ).

Without these details, I can not initiate direct verification or dispute with the original furnisher of the data. 
3. Failure to Properly Investigate : It is unclear how Equifax is verifying this account during dispute resolution when even the full account number is not available to identify the debt. 
Equifaxs continued reporting of unverifiable or incomplete data raises concerns under the Fair Credit Reporting Act ( FCRA ).

Legal Support : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to : Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Further, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the court held that : A credit reporting agency may not rely solely on the original source of the disputed information. Instead, it must conduct an independent investigation to determine the accuracy of the information. 

Equifax has failed to meet the standards set in both 15 U.S.C. 1681i ( a ) and XXXX XXXX XXXX XXXX, as it continues to report unverifiable and inaccurate information, and no reasonable investigation appears to have been conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing in direct response to your recent correspondence in which you requested additional documentation to verify my identity and proceed with the investigation of my credit report dispute. I want to reiterate that I am formally disputing inaccurate and potentially fraudulent information that is currently being reported under my credit profile. These inaccuracies have had a negative impact on my credit standing, and I am taking this matter seriously. 

Under the Fair Credit Reporting Act ( FCRA ) and in accordance with U.S. Code Title 15, Section 1681, I am fully exercising my legal rights as a consumer to challenge any information on my credit report that I believe to be inaccurate, incomplete, outdated, or the result of identity theft. The law guarantees every consumer the right to request a prompt and fair investigation of disputed credit information, and to have any unverifiable or incorrect data removed or corrected accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: DE

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXXXXXX XXXX and Experian for inaccurate credit reporting and failure to correct false information, despite multiple disputes. 

In XX/XX/XXXX, I voluntarily surrendered a vehicle to XXXXXXXX XXXX XXXXXXXX XXXX. However, the account on my Experian credit report is inaccurately reported as a repossession, and then shows a voluntary surrender the following month ( XX/XX/XXXX ), which is contradictory and misleading. 

Additionally, the account shows a new balance of {$5200.00} as of XX/XX/XXXX more than three years after the surrender with no explanation or documentation of how that amount was calculated. The account is clearly outdated, misleading, and damaging to my credit profile. 

I have disputed this account with Experian at least seven times, but they continue to retain it on my report and claim the information was verified by the furnisher. This response has not changed despite clear factual inconsistencies and Experians obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation. 

This inaccurate reporting has caused serious harm to my credit standing, and I am requesting the complete removal of this XXXXXXXX XXXX XXXXXXXX account from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
Hello affirm reported one late payment on my account I reached out to resolve balance as it shows it is paid in full but is showing one late payment. I cant even use affirm anymore because of it.

Company response to consumer: Closed with explanation