vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Subject : Follow-Up : PRA Account Ending in XXXX, complaint XXXX Validation Still Not Provided Dear CFPB, While PRA responded with a general explanation of their procedures, they have still not provided the documentation I requested to prove that they legally own this debt and have the right to collect on it. 

On XXXX I sent a certified letter to PRA requesting : The purchase agreement showing this specific debt was sold to PRA.

The chain of title or other legal documentation proving PRAs ownership.

. Forward Flow Agreement.

To date, they have only repeated that they purchased the account from XXXX, but have provided no proof of that purchase relating specifically to my account. A few billing statements from XXXX do not establish PRAs legal right to collect. 

If PRA can not or will not produce this documentation, I respectfully request : This account be removed from my credit report.

All collection activity cease immediately.

PRA be required to fully validate their claim per the FDCPA and FCRA. 

Thank you for your continued assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing this letter to dispute the accuracy of the hard inquiries that appear on my credit report. According to USC 1691 ( q ) and USC 1681, I have the right to dispute any inaccurate or incomplete information in my credit report, and I believe that there are errors present that need to be rectified. I have recently reviewed my credit report and have found several hard inquiries that I did not authorize. These inquiries were made without my knowledge or consent and have negatively impacted my credit score. I do not recognize any of the names or companies associated with these inquiries.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint againstExperian, Equifax, and TransUnionfor their repeated failure to correctinaccurate personal informationon my credit reports, in violation of theFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Incorrect Information on My Credit Reports : The followingphone numbers and addressesdo not belong to meand have never been associated with me. Yet, they continue to appear on my credit reports despite multiple disputes : Incorrect Phone Numbers : 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  Incorrect Addresses : 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 Violations of the FCRA : 1. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) I have disputed these inaccuraciesmultiple times ( via [ online disputes/mail/phone ] on [ dates if known ] ), yet the credit bureaus havefailed to correct or removethe information. 

2. Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) The credit bureaus are required to maintain reasonable procedures to ensure maximum accuracy, yet they continue to report data that does not belong to me. 

3. Potential Identity Mixing/Identity Theft Risk These inaccuracies suggest that my credit file may bemixed with another consumers, increasing my risk of fraud or denied credit applications. 

Demands for Correction : 1. Immediate removalof all incorrect phone numbers and addresses listed above. 
2. Confirmation in writingthat these inaccuracies have been deleted. 
3. A detailed explanationof why these errors were not corrected in previous disputes. 
4. A free copy of my updated credit reportto verify corrections.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
recently i pull up credit report i sow many incorrect report in my credit file and i requesting credit bureaus to remove all the negative items from my credit file but it still remain same i can't do anything bacause of my negative items.I request XXXX times in Experian, Transunion, Equifax bacause of the incorrrect report i can't apply for anything Now I am providing my account which has incorrect report. 
XXXX account # XXXX account status : incorrect last reported : incorrect date opend : incorrect payme status : incorrect dat of last payment : incorrect XXXX account # XXXX account status : incorrect = last reported : incorrect = date opend : incorrect= payment status : incorrect = date of last payment : incorrect XXXX  XXXX account # XXXX account status : incorrect = last reported : incorrect = date opend : incorrect = payment status : incorrect = date of last payment : incorrect capital XXXX account # XXXX account status : incorrect last reported : incorrect date opend : incorrect payment status : incorrect payment status : incorrect XXXX account # XXXX account status : XXXX last reported : incorrect= date opend : incorrect =payme status : incorrect XXXX  account # XXXX account status : incorrect last reported : incorrect date opend : incorrect payme status : incorrect payment status : incorrect high credit : incorrect XXXX account # XXXX account status : incorrect= last reported : incorrect payment status : incorrect high credit : incorrect date last active incorrect last reported incorre XXXX accunt # XXXX account status : incorrect last reported : incorrect credit : incorrect date last active incorrect last reported incorrect XXXX XXXX # XXXX ccount status : incorrect= last reported : incorrect date opend : incorrect= payment status incorrect date of last payment incorrect XXXX XXXX account # XXXX ccount status : incorrect last reported : incorrect date opend : incorrect payme status : incorrect dat of last payment : incorrect This all are incorrect in my file more than years i can't do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
recently i pull up credit report i sow many incorrect report in my credit file and i requesting credit bureaus to remove all the negative items from my credit file but it still remain same i can't do anything bacause of my negative items.I request XXXX times in Experian, Transunion, Equifax bacause of the incorrrect report i can't apply for anything Now I am providing my account which has incorrect report. 
XXXX account # XXXX account status : incorrect last reported : incorrect date opend : incorrect payme status : incorrect dat of last payment : incorrect XXXX account # XXXX account status : incorrect = last reported : incorrect = date opend : incorrect= payment status : incorrect = date of last payment : incorrect XXXX  XXXX account # XXXX account status : incorrect = last reported : incorrect = date opend : incorrect = payment status : incorrect = date of last payment : incorrect capital XXXX account # XXXX account status : incorrect last reported : incorrect date opend : incorrect payment status : incorrect payment status : incorrect XXXX account # XXXX account status : XXXX last reported : incorrect= date opend : incorrect =payme status : incorrect XXXX  account # XXXX account status : incorrect last reported : incorrect date opend : incorrect payme status : incorrect payment status : incorrect high credit : incorrect XXXX account # XXXX account status : incorrect= last reported : incorrect payment status : incorrect high credit : incorrect date last active incorrect last reported incorre XXXX accunt # XXXX account status : incorrect last reported : incorrect credit : incorrect date last active incorrect last reported incorrect XXXX XXXX # XXXX ccount status : incorrect= last reported : incorrect date opend : incorrect= payment status incorrect date of last payment incorrect XXXX XXXX account # XXXX ccount status : incorrect last reported : incorrect date opend : incorrect payme status : incorrect dat of last payment : incorrect This all are incorrect in my file more than years i can't do anything.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I received a bill of XXXX that I was told to pay. 
I went to the website typed in my information & paid the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I received an offer for Amex Platinum for XXXX points ( instead of the usual XXXX offer ) if I was a new member and if I spent over $ XXXX in the first 6 months. 

I signed up to the card on XX/XX/year> using the promotion. It was my first time as an Amex Platinum user.

I hit the spending requirement within the first 60 days, and have continued to use the card regularly - spending significantly more in total than the $ XXXX requirement. 

I called Amex today about an unrelated issue and asked about the promotional points, as I hadnt received it yet. The person I spoke with said I didnt sign up with any offer and was not going to receive any amount of promotional points. I asked if there was someone else I could speak to and she stated that they would all say the same. She said she made a note and that it can take up to XXXX weeks to receive a response, but advised that they generally dont even issue a response at all. 

I signed up to this card because of this promotion. I cancelled another paid card ( XXXX XXXX XXXX ) that I had been using for years because of this specific offer. 

I have a screenshot of the offer and a conversation with my husband on XX/XX/year> sharing the screenshot and discussing if it was worth signing up. We signed up using the same page, displaying the same offer, on XX/XX/year>. 

I even confirmed this offer with Amex on the phone during these dates. The agent insisted this is the best offer I would receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I received a notification that I had a new collection on my credit profile from Sunrise Credit Service. Original Creditor being XXXX XXXX XXXX XXXX. It stated that the account was opened on XX/XX/2025. This is false! I never opened an account with XXXX XXXX XXXX or any company whatsoever on this date. Im confused as to why this is on my credit report & would like for it to be removed 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
AmRent inaccurately reported my credit score to an apartment company preventing me from getting approved. After further research I discovered this company has a history of doing this to multiple consumers, has multiple complaints and is not an accredited company. I explained this to the apartment and they could care less. I feel this was a way to get my application fee because I pulled my own credit and the score was XXXX points higher than what AmRent presented!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. Upon reviewing my report, I noticed that one of my accounts is incorrectly showing a late payment for XX/XX/year>. This payment was made on time, and the account has always been in good standing. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that all information they report is accurate and verifiable. The current reporting of a late payment is incorrect and may unfairly affect my credit score. 

I have attached supporting documentation regarding this account. I kindly request that you investigate this matter and update the account history to reflect that the XX/XX/year> payment was made on time.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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 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 XXXXXXXX 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

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 2025-04-18 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX Consumer ID:XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX Pl XXXX , CA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank 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 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  I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I contacted Oportun regarding a past-due amount reflected on my account. That same month, I paid the full balance in good faith, demonstrating my intent to resolve the matter and restore my creditworthiness fully. 

Despite fulfilling my obligation and communicating proactively with the company, one or more late payments remain on my credit report. These entries negatively impact my credit profile, even though the underlying debt has been satisfied and the account closed in good standing. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies must ensure that the information they report is accurate and complete. While technically the late payment may have occurred, its continued reporting, despite the full resolution of the account and my subsequent responsible behavior, may be misleading or unfairly damaging, especially in the context of my efforts and the lack of ongoing delinquency. 

Furthermore, the FCRA does not prohibit data furnishers from making goodwill adjustments, and many creditors make such corrections when a consumer demonstrates a genuine effort to resolve their obligations. My request to Oportun was based on this principle. 

Given that I fully paid the balance in XXXX and have had no further delinquencies, I respectfully request that Oportun reconsider the continued reporting of these late payments and remove them as a goodwill adjustment in accordance with industry practice and alignment with the principles of fairness and accuracy required under the FCRA. 

I am seeking the CFPB 's assistance in facilitating a resolution that accurately reflects the current state of my account and supports my ongoing efforts to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year> a finance charge was made to my account for XXXX. I did not authorize this charge. Payments were made to this account monthly in the amount that was above the minimum due. I had my account paid down to XXXX. Now the amount due is over XXXX

Company response to consumer: Closed with explanation