vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I dispute this alleged XXXX XXXX XXXX debt ( account ending in XXXX ) in its entirety. Portfolio Recovery Associates ( PRA ) has failed to provide legally sufficient validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and has furnished incomplete and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

PRAs prior response consisted only of a generic balance summary and internal record reference. This is not proper validation. Specifically, PRA has failed to provide : 1. Chain of Title / Chain of Custody : Bill of Sale and assignment documents from XXXX to PRA specifically identifying my account ending in XXXX. 
2. Account-Level Documentation : Monthly statements from opening through charge-off, the original signed agreement, and a full itemization of charges, fees, and interest that make up the alleged {$7800.00} balance.

3. Proof of Legal Right to Collect : Evidence th
at PRA is licensed and authorized to collect debts in my state of residence.

Without this documentation, PRA has no legal standing to collect or report this alleged debt. Continued reporting of this account without proper validation constitutes misleading reporting under the FCRA and violates XXXX XXXX reporting standards, which prohibit furnishing data that is incomplete, duplicative ( charge-off + past due ), or unverifiable. 

I demand that PRA either : Provide full, legally required validation ( chain of custody + account-level documentation ), or Cease all collection activity and delete this account from all consumer reporting agencies.

Failure to comply constitutes continued violations of the FDCPA and FCRA, for which I reserve all rights to pursue statutory damages, attorneys fees, and costs under 15 U.S.C. 1692k, 1681n, and 1681o.

I request that the CFPB compel PRA to comply with the law and to immediately correct its reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX. Protect My XXXX XXXXXXXX Experian has alerted about my own name my maiden name XXXX last name XXXX this happened XX/XX/year> Some one keep adding my information this these following websites : XXXX XXXX XXXX XXXXXXXX XXXXAffordable Background Checks/ Government Registry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX than Protect My ID want me to upgrade so these people can stop adding my information to these websites. I have already went to most of these websites and had this ( my ) information removed myself for free. But someone keep adding this information to these websites and than asking me to upgrade well I'm not going to upgrade. Next, XXXX has adjusted my credit card over payment my credit card balance is not {$4000.00} on protect my ID website there is no where I can dispute this or remove this information. 
Experian has also emailed me a lot to in reference this alert. I'm not upgrading to none of their services. ( I feel like this is a form of harassment ) because it keeps happening they both keep emailing like six months asking me to upgrade and they say they found information on all these websites. I feel like this is a form of harassment because I'm 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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company did not fix issue my account was closed due to account opened years ago fraudulently

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy Court XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-28 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-28 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:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Equifax for their continued reporting of a late payment accounts on my credit report which are XXXX XXXX XXXX...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XX/XX/year>, the CFPB sued Equifax for failing to properly investigate consumer disputes and continuing to report inaccurate data XXXX My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CITI is refusing to help me access my CITI Bank account. I closed my checking account and they eliminated online access to my other CITI bank credit cards account. They keep transferring back and forth, not putting

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 2025-08-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
These accounts are fraudulent and were opened without my knowledge. Kindly remove them within 15 days under the guidelines of USC 1681g. I have enclosed evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX. of XXXX has XXXX reported inaccurate and unfair student loan delinquencies to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts in dispute are as follows : XXXX. of XXXX Account # XXXX Balance : {$3500.00} XXXX. of XXXX Account # XXXX Balance : {$260.00} XXXX. of XXXX Account # XXXX Balance : {$570.00} XXXX. of XXXX Account # XXXX Balance : {$2100.00} These delinquencies have been inaccurately reported because my loan servicer failed to provide the required XXXX advance notice of billing once my forbearance period expired, as mandated by XXXX5 U.S.C. 1666b. Without proper notification, I was denied the opportunity to make payments on time, and late payments were improperly added to my credit reports.

This conduct also violates 15 U.S.C. 1681s-2, which requires furnishers to ensure that information reported to consumer reporting agencies is accurate and complete. By reporting late payments without fulfilling their legal notice obligations, XXXX. of XXXX knowingly furnished inaccurate information that has unfairly harmed my credit standing. 

I request immediate regulatory enforcement requiring removal of these inaccurate delinquencies from my credit reports. If corrective action is not taken, I reserve the right to escalate this matter further, including legal action.

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 2025-08-28 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: GA

Complaint narrative:
I NEVER GAVE ANY IF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO ANY OF MY PERSONAL INFORMATION NOR DID I GIVE CONSENT FOR THEM TO ADD ANYTHING ON MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON MY CREDIT REPORTS MUST RECIEVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. BASED UPON THE LAWS THAT I HAVE POINTED OUT IT IS VER EVIDENT THAT THE CREDIT REPORTING AGENCIES VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT RECTIFY THESE ERRORS I WILL SEEK LEGAL ACTION.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have requested information since XXXX of 2025. They gave the run around. Next thing I know my account was frozen and monies are being taken out. Portfolio Recovery Associates bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without substantiating the debt, Portfolio Recovery Associates collected payments by pressuring consumers like me with false statements and churning out lawsuits using robo-signed court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is written in response to your recent communication, dated XX/XX/year> regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am asserting my right to request and receive full and complete validation of this debt with the accounts below in questioned. 
Creditors Name : 1. XXXX XXXX Bank ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX XXXX XXXX ( Acct # XXXX ) 4. XXXX XXXX XXXX ( Acct # XXXX ) 5. XXXX XXXX XXXX XXXX. ( Acct # XXXX ) 6. XXXX XXXX ( Acct # XXXX ) 7. XXXX XXXX ( Acct # XXXX ) Until this request is fully satisfied, you are hereby instructed to CEASE all collection activities, including calls, letters, credit reporting, or threats of legal action. 
Let me be clear : I am NOT acknowledging or accepting this alleged debt. I am demanding, under federal law, that you provide the following documentation for validation : 1. A copy of the original signed agreement that created the debt, bearing my signature.

2. A complete accounting statement, itemizing the alleged balance, interest, fees, and how these were calculated.

3. Proof of your legal authority to collect on this debt, including a copy of the assignment or purchase agreement from the original creditor.

4. The name and address of the original creditor, including account numbers and the date the alleged debt was incurred.

5. Verification that this debt is within the statute of limitations in my state.

6. Proof that you are licensed to collect debts in my state, including your license number and issuing authority. 
If you can not provide these materials, then you must immediately cease all collection attempts and remove any negative reports made to credit bureaus, in accordance with15 U.S.C. 1692g.

Your failure to validate this debt as required, and any continued collection activity or credit reporting, constitute violations of both the FDCPA and the FCRA. As a result, if this information can not be furnished accurately, I will be requesting statutory damages in the amount of {$1000.00}, pursuant to 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) of the FDCPA 15 U.S.C. 1681n and 1681 of the FCRA Unless you can provide legal and verifiable proof of this alleged debt, you must immediately : Cease all collection efforts Remove all references to this debt from any credit reporting agencies Refrain from contacting me again except to provide the validation requested This letter also serves as notice to preserve all communications and documents related to this matter for potential litigation. 
You have 30 days from the date of your receipt of this letter to provide the above-requested validation. If you continue to pursue collection efforts without complying, you will be in violation of federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
I lost my job and some situations that were out of my control

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX To : XXXX  Subject : Formal Dispute of Inaccurate Credit Reporting I am writing under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute the accuracy of the account ( XXXX ) listed below on my credit report : Midland Credit XXXX XXXX Bank Account # XXXX Dispute Grounds : 1. The account information is inaccurate, incomplete, and unverifiable.

2. The balance, dates, and status are inconsistent across reports.

3. No original signed contract or itemized statement proving the debt has been provided.

Required Action : Please conduct a full investigation under FCRA 611.

If you can not verify with proper documentation ( contract with my signature, complete payment history, itemized charges ), you must delete the account from my credit file. 

Please respond within 30 days as required by federal law. Failure to comply will be documented as a violation of FCRA/FDCPA and XXXX result in further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation