vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XXXX XXXX 2025 Portfolio Recovery Associates Attn : Compliance Department Re : Cease and Desist Demand Alleged Account : Account Number : XXXX To Whom It May Concern, This letter serves as my formal Cease and Desist demand regarding any and all communication attempts related to the above-referenced alleged account. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am invoking my right to request that you cease all communication with me concerning this alleged debt, except as permitted by law ( such as providing notice of termination of collection efforts or notice of specific legal action ). 
Please note the following : 1. I dispute the validity of this alleged debt. 
2. You are to immediately stop all phone calls, messages, emails, mailed notices, and thirdparty contact attempts. 
3. Any future communication must be limited to written notice if you intend to take one of the legally permitted actions under the FDCPA. 
4. Do not contact my family members, employer, or any third party regarding this alleged debt. 
Failure to comply with this request will constitute a violation of the FDCPA and may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois XXXX XXXX. 
Please confirm in writing that you have received this Cease and Desist request and that all collection communications have been halted. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: MN

Complaint narrative:
I am a survivor of XXXX XXXX and an individual with permanent XXXX XXXX  XXXX as defined under the XXXX and FCRA 605C. I am submitting this complaint regarding multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), Constitutional protections, and consumer rights by the credit bureaus TransUnion, Equifax, and Experian, as well as the furnishers : XXXX ( State of CaliforniaXXXX ), XXXX XXXX Bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
Summary of Violations and Demands : 1. Reporting of invalid child support debts XXXX XXXX XXXX XXXX XXXX, which are actively under appeal ( Case No : XXXX ) and subject of a federal lawsuit for civil rights violations including unlawful garnishment of Social Security Disability. These actions use my XXXX XXXX XXXX history as coercive mechanisms to induce debt under color of law. 
XXXX. XXXX XXXX XXXX and XXXX XXXX continue to show derogatory trade lines despite the debt being paid in full, as evidenced by a lien release and final payment of {$27000.00}. Documentation attached. 
3. XXXX XXXX and XXXX XXXX are reporting inaccurate balances and derogatory statuses on paid-off accounts, with documentation attached showing full payoff and closure. 
XXXX. The credit bureaus have failed to suppress, mark as disputed, or remove these items despite prior requests, supporting documentation, and multiple FCRA and CFPB rule violations. 
I have been going through this for several years with the credit reporting agencies and they have failed to correct the issue, sending back the same answers even when presented with valid evidence.

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 2025-11-23 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
EASTERN ACCOUNT XXXX Reported : XXXX XXXX, 2025 {$130.00} To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint & Request for Immediate Removal of Fraudulent Collection Eastern Account System Dear Sir or Madam, I am submitting this formal complaint regarding a fraudulent collection account that is currently being reported on my Equifax credit report by Eastern Account System in the amount of {$130.00}, reported on XX/XX/year>2025. 

This account is not mine and is a direct result of ongoing identity theft, which I have been actively working to resolve for more than two years. I have previously filed disputes and provided supporting documentation to the credit bureaus. As a result of those disputes, both XXXX and XXXX have investigated and REMOVED this exact collection account from my credit reports. This confirms that the account was unverifiable, inaccurate, or fraudulent. 

Despite these verified removals, XXXX refuses to delete this account, which is creating inaccurate and damaging reporting on my credit file. This failure violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure that any information they report is accurate, complete, and verifiable. 

It is unreasonable and unlawful for XXXX to continue reporting an item that has already been deemed invalid by the other two major credit bureaus. The presence of this account is negatively impacting my creditworthiness, financial opportunities, and emotional well-being. 

I am requesting the following actions immediately : 1. A complete investigation into Eastern Account Systems reporting on XXXX 2. Full removal of this fraudulent collection from my XXXX  credit report 3. Written confirmation once the deletion has been completed I am prepared to provide all supporting documentation, including proof of prior identity theft reports and confirmation of deletion from XXXX  and XXXX, upon request. 

Thank you for your attention to this serious matter. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
Please be advised that as of XXXX2025 as listed on my most recently reviewed consumer credit report on Experian, there is a fraudulent / unauthorized inquiry listed : XXXX XXXX XXXX XXXX 2025. I am hereby notifying you that this is fraudulent and neither on those dates or dates similar did I authorize any individual from Experian to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b, Both together and separately, my consumer and privacy rights are being violated. If Experian can not provide my written authorization, then the aforementioned fraudulent/unauthorized hard inquiry is to be removed from my consumer credit report and file IMMEDIATELY as its reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )

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 2025-11-23 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: LA

Complaint narrative:
information.Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Product or Service : Auto Loan or Lease Issue Category : Incorrect information on credit report company failed to fix errors after dispute Summary of the Problem : I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681n, and 1681o. 
On XX/XX/XXXX, I submitted a formal dispute to both GLS and the credit reporting agencies ( Experian, Equifax, and TransUnion ) regarding inaccurate reporting of my auto loan account # XXXX ( XXXX XXXX XXXX ). My dispute included documentary proof of multiple inaccuracies, yet XXXX has failed to conduct a reasonable investigation or correct the information. 
The verified inaccuracies include : XXXX. Borrower Designation Misrepresented I am listed as a co-signer per the original sales documents, but XXXX reports me as a joint borrower. 
XXXX. XXXX XXXX XXXX confirmed the vehicle was repossessed and sold on XX/XX/XXXX, but continues reporting the full pre-sale balance of {$16000.00} as past due. 
XXXX. Conflicting Dates XXXX internal records and bureau entries ( XX/XX/XXXX, and XX/XX/XXXX ) conflict, falsely extending derogatory history. 
XXXX. Dealer Record Errors Multiple vehicles were recorded on the same contract date ( XX/XX/XXXX ), suggesting erroneous data attribution. 
Despite evidence and repeated notice, GLS continues to report inaccurate, misleading information. Their inaction violates the FCRAs requirement to investigate and correct disputed data. 
What I Want Done : - Immediate correction or deletion of all inaccurate tradelines related to this account from all credit bureaus.- Written confirmation of corrected or deleted reporting.- Compensation for actual damages and harm to credit reputation. 
Attachments ( to upload with complaint ) : - Intent to Sue Letter dated XX/XX/XXXX, XXXX Original Dispute Letter ( XX/XX/XXXX ) with Exhibits XXXX XXXX Letter dated XX/XX/XXXX, XXXX Proof of continued inaccurate reporting from Experian and Equifax

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX  - XX/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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Checking Account # XXXXXXXX XXXX XXXX XXXX  Re : XXXX XXXX Claims # XXXX ; # XXXX ; # XXXX ; # XXXX. 

XXXX XXXX XXXX  To the Executive Office : Please find attached a formal Demand for Reimbursement regarding unauthorized electronic fund transfers totaling approximately {$410000.00} removed from my account due to identity theft. Please forward this email to the XXXX XXXX. 

I am filing this grievance because the XXXX XXXX Department has wrongfully denied liability based on a demonstrable failure to investigate, a disregard for dispositive evidence, and a systematic misapplication of Regulation E regarding extenuating circumstances. 

Summary of Attached Evidence & Demand : XXXX. Extenuating Circumstances ( Proof of Travel ) : I have attached my flight itinerary confirming that I was in XXXX sanctioned jurisdiction where accessing XXXX banking is prohibitedfrom XX/XX/year> through XX/XX/year>. This constitutes a mandatory extenuating circumstance under Reg E 1005.6 ( b ) ( 4 ) requiring an extension of reporting periods. 

XXXX. Constructive Notice of Fraud : I have attached a screenshot of a text message from XXXX XXXX XXXX dated XX/XX/year>, explicitly flagging the unauthorized transactions as suspicious at the time they occurred. 

XXXX. Duty to Mitigate : The unauthorized transactions from XX/XX/XXXX and XXXX, XXXX, settled less than XXXX  days ago. Under XXXX XXXX XXXX, XXXX has the right and obligation to return these debits as Unauthorized while the window remains open. 

I demand that XXXX immediately reopen these claims, transmit the necessary XXXX returns to recover the funds, and issue provisional credit to my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX / XXXX * * * Attachments : XXXX. Formal Demand Letter XXXX. Flight Itinerary XXXX. XXXX XXXX XXXX Text Message ( XX/XX/XXXX ). 

XXXX. FTC Identity Theft Report XXXX. Copies of Correspondence & Denial Letters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PR XXXX Date of Birth : XX/XX/XXXX File Number : XXXX Date Created : XX/XX/XXXX XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting Discover Card and PR Telephone Co To whom it may concern : I am submitting a formal complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccurate accounts reported on my TransUnion credit report. These inaccuracies are causing measurable harm and must be investigated. 
The disputed accounts are as follows : ________________________________________ XXXX. Discover Card Account ending XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Errors and issues : XXXX. Incomplete monthly reporting : Most monthly entries for over XXXX years show No Data for balances, payments, and past due amounts. Violates FCRA 1681e ( b ). 
XXXX. Delinquency ratings without supporting amounts : Shows XXXX, XXXX, XXXX, XXXX day late and repeated Charge Off without monthly balances or payment history. Not verifiable. 
XXXX. Nonstandard remark codes : XXXX and XXXX  are undefined, ambiguous, and unverifiable. 
XXXX. Continuous Charge Off without documentation : XX/XX/XXXX XX/XX/XXXX shows Charge Off monthly without supporting evidence. 
Missing XXXX  : No Date of First Delinquency Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
Experian, Equifax, Transunion all did scams investigations into my credit reports reguarding information inaccuracies in my credit reports. i sent certified letters to all of them and they didnot respond to my requests too remove the information ask of them

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 2025-11-23 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: NY

Complaint narrative:
Experian, Equifax, Transunion all did scams investigations into my credit reports reguarding information inaccuracies in my credit reports. i sent certified letters to all of them and they didnot respond to my requests too remove the information ask of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXXXXXX INQUIRIES : XXXX - XX/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 non-monetary relief
Consumer complaint received 2025-11-23 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: VA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax XXXX breach. 

I request that the following fraudulent items be blocked within XXXX business days. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of an installment account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX in the amount of {$6200.00} ; an installment account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX in the amount of {$4300.00} ; an installment account opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX in the amount of {$1000.00} ; a collection account opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX in the amount of {$1600.00} ; and a collection account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, under account number XXXX in the amount of {$1600.00}. They have resulted in multiple fraudulent hard inquiries, collections, and charge-offs appearing on my consumer XXXX credit report. This is a formal block request for fraudulent items, and I do not authorize any disputes to be opened without my written authorization. I authorize only the blocking of the aforementioned fraudulent items on my consumer report. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XXXX attempted to place multiple unauthorized holds on my Navy Federal Credit Union account totaling {$4300.00} ( {$2100.00} twice, plus {$1.00} and {$20.00} ) even though the booking failed due to an XXXX system glitch. This immediately overdrafted my account and caused hardship. I am on Social Security XXXX, on a fixed income, and recovering from XXXX surgeries. 



On XX/XX/year>, an XXXX agent told me the authorizations should have already fallen off and that the issue was caused by a system glitch not my fault. XXXX XXXX informed me they could release the holds immediately if XXXX contacted them directly. On XX/XX/year>, I called XXXX again and spoke with supervisor XXXX XXXX, ID XXXX, who refused to call my bank or join a XXXX call. 



Because XXXX refused to cooperate, my funds remained frozen, my account stayed negative, and the price of my trip increased by {$1000.00}, which I had to pay out of pocket. I also have a screenshot showing the payment attempt before the system glitch. 



I am requesting release of all holds, reimbursement of overdraft fees, compensation for the increased trip cost, and a written explanation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation