vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: AL

Complaint narrative:
I was assured during the last complaint that this account was being reported correctly by XXXX, Trans Union and XXXX, but here we are in XXXX and it is still incorrect. This account is fraudulent and needs to be removed, but until litigation is complete regarding that, at the very minimum it must be reported accurately while it remains on my credit report. 

I am formally disputing the reporting of the following XXXX secured credit card account on my credit report. The information currently being reported is not only inaccurate but also misleading and in violation of the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX XXXX  Account Type : Secured Credit Card Balance : {$260.00} Date Closed : XX/XX/XXXX Pay Status : Charge-off Last Payment : XX/XX/XXXX Date Updated : XX/XX/XXXX High Balance History : {$630.00} ( from XX/XX/XXXX to XX/XX/XXXX ) Credit Limit History : {$500.00} ( from XX/XX/XXXX to XX/XX/XXXX ) There are multiple charge off dates between XXXX  and Trans union- XX/XX/XXXX and XX/XX/XXXX. That is a blatant inaccuracy. If this account was closed and charged off in XX/XX/XXXX, why do your records show credit activity, balances, and limits being updated between XX/XX/XXXX and XXXX XXXXwell after the account was closed? And this is after multiple disputes and supposed reinvestigations! This is factually impossible and constitutes an inaccurate and unlawful re-aging of the debt.

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 2025-05-02 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: GA

Complaint narrative:
Name : ( XXXX XXXX XXXX ) Social Security Number : ( XXXX ) Date of Birth : ( XXXX ) Subject : Immediate Demand for Blocking of Fraudulent Information Under FCRA 605B Identity Theft and Fraud Notification To Equifax and All Responsible Personnel : This is a formal and urgent legal demand filed as part of a Consumer Financial Protection Bureau ( CFPB ) complaint. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove all information resulting from identity theft from my consumer credit report within 4 business days of your receipt of this complaint. You are now on notice, and your failure to comply will constitute a direct violation of federal law. 

The following entries currently appearing on my Equifax credit report are fraudulent, unauthorized, and criminal in nature : XXXX. XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, These items have also triggered multiple fraudulent hard inquiries, which I have listed in the attached documentation, along with a copy of my current credit report showing the above-listed fraudulent data. 

Let me be absolutely clear : I did not open, authorize, initiate, or consent to any of these accounts, collections, or hard inquiries. They are the result of criminal identity theft, and you are now in possession of formal legal documentation proving such. 

Attached is my FTC Identity Theft Report Criminal Complaint # [ XXXX ], issued by the XXXX Federal Trade Commission, verifying that all of the above-referenced accounts and entries are the result of identity theft and fraudulent use of my personal information. 

This is a direct invocation of your legal obligation under the FCRA 605B. You are hereby ordered to : Permanently block each of the above-referenced fraudulent items from appearing in any version of my Equifax credit file Cease all reporting of these items to third parties, immediately Confirm in writing within 4 business days that each item has been removed, blocked, and will not be reinserted under any circumstances Provide an updated credit report reflecting these actions in full If you fail to comply with this formal demand, I will pursue all available legal and regulatory remedies, including but not limited to : Filing additional complaints with the CFPB, FTC, and my State Attorney General Initiating a civil lawsuit for damages related to XXXX  negligence, willful noncompliance, and continued publication of knowingly false information Seeking punitive damages under the full scope of the Fair Credit Reporting Act This is your final opportunity to resolve this matter lawfully and voluntarily. Any delay, obstruction, or negligence will be documented and escalated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00}

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 2025-05-02 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 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: FL

Complaint narrative:
Subject : Second Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 To Whom It May Concern, Subject : Second Dispute of Charge-Off Account Request for Reinvestigation under FCRA 1681i, 1681s-2 ( b ), and 1681e ( b ) Account Name : XXXX XXXX  XXXX Account Number : XXXX To Whom It May Concern, This letter is a formal second dispute concerning the charge-off account listed above. I previously submitted a dispute requesting its deletion, as the information reported was inaccurate and unverifiable. However, your response failed to provide sufficient evidence to validate the legitimacy of this account.

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly : 1681i requiring a reasonable reinvestigation within 30 days, 1681s-2 ( b ) requiring the furnisher to properly investigate disputed data, and 1681e ( b ) requiring credit reporting agencies to maintain maximum accuracy, I hereby request a reinvestigation of this charge-off entry.

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 2025-05-02 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: FL

Complaint narrative:
Subject : Second Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 To Whom It May Concern, Subject : Second Dispute of Charge-Off Account Request for Reinvestigation under FCRA 1681i, 1681s-2 ( b ), and 1681e ( b ) Account Name : XXXX XXXX  XXXX Account Number : XXXX To Whom It May Concern, This letter is a formal second dispute concerning the charge-off account listed above. I previously submitted a dispute requesting its deletion, as the information reported was inaccurate and unverifiable. However, your response failed to provide sufficient evidence to validate the legitimacy of this account.

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly : 1681i requiring a reasonable reinvestigation within 30 days, 1681s-2 ( b ) requiring the furnisher to properly investigate disputed data, and 1681e ( b ) requiring credit reporting agencies to maintain maximum accuracy, I hereby request a reinvestigation of this charge-off entry.

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 2025-05-02 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.

Complaint narrative:
Please see file number XXXX, filed on XX/XX/year> and file number XXXX, filed on XX/XX/year>. The documents attached are submitted as further evidence to support my case of violation of consumer protection laws, regarding abuse of debt collection-coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I ask for the debt validation letter that request the assignment contract XXXX vs PRA ( Portfolio Recovery Associate ) this case proves that debt collector do not own your debt so if they dont own it they cant put it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: VA

Complaint narrative:
I see XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on my credit report, but I have no knowledge of these accounts. Ive been homeless and sick for a long time. I need my credit report corrected so it reflects my true history as I apply for housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: VA

Complaint narrative:
I see XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on my credit report, but I have no knowledge of these accounts. Ive been homeless and sick for a long time. I need my credit report corrected so it reflects my true history as I apply for housing.

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 2025-05-02 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: MA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being 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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
b"Dear Consumer Financial Protection Bureau,\n\nI am filing this complaint against Capital One due to their unfair treatment and refusal to resolve a critical issue with my credit card accounts(Capital One Quicksilver One credit card, Account #: XXXX XXXX XXXX XXXX and Capital One Venture One credit card, Account #: XXXX XXXX XXXX XXXX), which I have held for XXXX  and XXXX  years, respectivelyXXXXDespite my exhaustive efforts to resolve the issue caused by XXXX  erroneous reporting, Capital One has refused to restore my accounts unless XXXX  corrects its mistake. I have provided all requested documentation, including affidavits and multiple forms of ID, to prove that I am the rightful owner of these accounts. I have also attached all possible proof to this complaint, the same proof provided to Capital One, showing there has been no fraud and that I am the full owner of these accounts.\n\nAfter hours of dealing with XXXX incompetence, a supervising agent of XXXX  named XXXX  (Agent ID: XXXX) confirmed on the XXXX XXXX XXXX that the error was indeed on XXXX part. While XXXX  has acknowledged responsibility, their track record of incompetence makes me XXXX  about relying on them alone to resolve this situation. Capital Ones insistence on waiting for XXXX, the very entity that caused the problem, is unreasonable and has left me unable to manage my financial obligations.\n\nI have endured hours of unhelpful and dismissive interactions with Capital Ones supervisors and representatives, who have shown no willingness to assist a loyal customer. Their refusal to take action based on the clear evidence I have provided is causing me significant harm and disrupting my life.\n\nI request that the CFPB compel Capital One to promptly restore my accounts(Capital One Quicksilver One credit card, Account #XXXX XXXX XXXX XXXX XXXX and Capital One Venture One credit card, Account #: XXXX XXXX XXXX XXXX), recognizing the proof I have provided and not making me solely dependent on XXXX correction. It is unjust for me to suffer due to XXXX mistake, and Capital Ones refusal to act is causing undue and unnecessary harm.\n\nThank you for your attention to this matter. I look forward to your intervention and prompt XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Collection Dear XXXX, I am disputing the collection amount listed below due to inaccuracies and failure to meet XXXX Compliance XXXX Midland Credit Management , Inc . 

The account contains error in it's reporting, including inconsistent or unverifiable information such as the Date of Last Activity ( XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and removal of this account if it can not be verified. 

Enclosed are my ID and Proof of address for verification. Please resolve in XXXX  days and provide written confirmation of your findings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX, XXXX XXXX Subject : Legal Demand to Cease Violations of FCRA 605B, 605 ( a ), 623 ( a ) ( 5 ), 607 ( b ) and Immediate Deletion of Fraudulent and Improperly Reported Accounts To Whom It May Concern, I am writing to formally demand Equifaxs immediate compliance with the Fair Credit Reporting Act ( FCRA ), as your handling of my credit file is currently in violation of multiple federal provisions.

Identity Theft Blocking Request FCRA 605B I have submitted identity theft disputes with Equifax, including : A valid government-issued ID Proof of address ( utility bill ) FTC Identity Theft Report Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is required to block and delete fraudulent information within 4 business days after receiving a valid request. However, you have failed to take the required action and have improperly stalled, which constitutes willful noncompliance with the law.

Re-aging and Reporting Violations FCRA 605 ( a ), 623 ( a ) ( 5 ), 607 ( b ) Upon reviewing my Equifax credit report, I have identified improper practices, including : Reporting closed accounts as new charge-offs each month to extend negative impact Listing past-due balances as current despite no new activity Inconsistent balances and delinquency dates, creating inaccurate and misleading credit data These actions violate : FCRA 605 ( a ) prohibits negative information from being reported beyond 7 years from the date of first delinquency ( DOFD ).

FCRA 623 ( a ) ( 5 ) requires furnishers to report the correct DOFD to credit bureaus.

FCRA 607 ( b ) requires Equifax to maintain maximum possible accuracy in credit reporting.

Improper re-aging of accounts is a serious legal violation and exposes Equifax to liability for damages under FCRA 1681n and 1681o.

Listed Accounts in Violation The following accounts on my report require urgent deletion : XXXX XXXX XXXX  ( 2 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby demand that Equifax, within 15 days of receipt of this letter : Block and delete all fraudulent accounts under FCRA 605B.

Correct all re-aged or inaccurately reported accounts, ensuring strict compliance with the 7-year DOFD limit.

Provide me with a corrected copy of my credit report reflecting these updates.

Failure to comply will result in additional complaints to the Consumer Financial Protection Bureau ( CFPB ), possible complaints to the Federal Trade Commission ( FTC ), and legal action for damages, statutory penalties, attorneys fees, and punitive damages under the FCRA. 

This letter serves as your final notice before escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX {$190.00} I paid for these on my XXXX XXXX and have the receipts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief