vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Subject : FDCPA Violation Improper Collection Practices by Portfolio Recovery Associates , LLC To Whom It May Concern : I am writing to file a complaint regarding improper debt collection practices carried out by Portfolio Recovery Associates , LLC and their representing law firm.

I was sued by this company regarding a credit card debt originally owed to XXXX XXXX XXXX. However, I was never informed that my account was sold or transferred. I did not receive a validation letter, nor was I given notice that Portfolio would be collecting on this debt. 

Furthermore : I was not properly served with post-judgment notices. 

The garnishment proceeding was filed in a different county than the original judgment. 

My employer was contacted without proper legal notice, and my wages are currently being garnished based on a judgment I did not have the opportunity to contest. 

I was denied the chance to dispute the debt because the debt collector failed to provide documentation verifying the amount or legal authority to collect.

I believe these actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly : 15 U.S.C. 1692g Failure to validate debt 15 U.S.C. 1692e Misleading representation 15 U.S.C. 1692f Unfair or unconscionable collection methods I am i the process of filing a Motion to Vacate Judgment in XXXX XXXX, Georgia, and a Motion to Stay Garnishment in XXXX XXXX. However, my wages are being actively garnished while this issue is unresolved. 

I did not initiate any transactions or relationships with Port Folio or the law firm that is representing them that would give them access to my personal information. My rights have be violate and compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Between XXXXXXXX XXXX XXXX XXXXXX/XX/year> someone used my info to buy an automobile. I am not aware of this or the XXXX inquiries on my report doing this time. UNDER LAW 15 USC 1681 N and 15 USC 1681 C-2, I am requesting these be removed immediatley or I will pursue {$1000.00} in damages for each Inquiry that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-07 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I drop my credit card on XX/XX/XXXX I called my bank of XX/XX/XXXX when I learned my credit card was missing and XXXX fraudulent transaction accord I dispute the transaction right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: DHI Mortgage Company
State: WA

Complaint narrative:
On Tuesday, XX/XX/XXXXXXXX XXXX XXXX XXXX I spoke with XXXX XXXX XXXX # XXXX of DHI Mortgage and requested a Loan Estimate, as she had informed me earlier that morning that new mortgage rates were available. 

She told me it would take up to 3 business days for a new LE to be sent to me and that she had queued my request. I followed up with her again on Thursday, XX/XX/XXXX at XXXX PST, after multiple failed attempts that morning to reach anyone at DHI Mortgage. XXXX told me she'd follow up on my request. 

Its Monday XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX and I have still not received my a Loan Estimate. I believe DHI Mortgage is making it intentionally difficult for me to shop around for fair Mortgage Loan terms, since I had previously disclosed to XXXX that I am working with multiple lenders. 

I submitted feedback to XXXX XXXX XXXX XXXX XXXX # XXXX on Monday Morning XX/XX/XXXX and I am still waiting to hear back as at the time I'm submitting this complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-07 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-07 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: TX

Complaint narrative:
I want to make it absolutely clear that this complaint is not submitted in error. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to both my financial stability and personal well-being.

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 2025-07-07 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-07 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-07 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: MO

Complaint narrative:
Subject : Formal Complaint Against Credit Reporting Agencies and Creditors for Violations of the FCRA To Whom It May Concern : I am filing this complaint against TransUnion, Experian, Equifax, and several creditors for multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), resulting in inaccurate and harmful information on my consumer credit report. The following FCRA laws have been violated : -- - FCRA Section 611 ( a ) ( 1 ) ( A ) Violation : Credit bureaus failed to respond to written disputes within 30 days.

Fine : {$1000.00} per violation. 


-- - FCRA Section 605 ( c ) Running of the Reporting Period Violation : Creditors and/or credit bureaus attempted to re-age accounts, including GLBLNDSVCS, updating last activity dates to extend derogatory items on my file. 
Fine : {$1000.00} per violation.

-- - FCRA Section 623 Violation : Despite my dispute on the XXXX XXXX XXXXXX/XX/XXXXXXXX collection accounts, creditors failed to mark them clearly as " disputed '' to all CRAs ( Credit Reporting Agencies ). 
Fine : {$1000.00} per violation, per bureau. 


-- - FCRA Section 604 ( a ) ( 3 ) Violation : Several inquiries from IR, XXXX XX/XX/XXXX were made without a permissible purpose. 
XXXX : {$1000.00} per violation. 


-- - FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Violation : Equifax reinserted disputed accounts ( e.g., XXXXXX/XX/XXXX) without proper written notice within XXXX business days. 
Fine : {$1000.00} per violation.

-- - I have attached my full credit report and documentation clearly showing these violations. I demand : 1. Immediate deletion of all inaccurate, unverifiable, and improperly reported accounts across all three bureaus.

2. Full investigation and enforcement actions by the CFPB for each listed violation. 


3. Monetary penalties applied to each bureau and creditor for their ongoing noncompliance and harm done to me financially and emotionally. 



These entities have acted in direct violation of FCRA law and federal consumer protection statutes. I respectfully demand swift resolution and enforcement. 

Consumer Name : XXXX XXXX XXXX XXXX of Birth : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX Credit Report Date : XX/XX/XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MO

Complaint narrative:
Subject : Formal Complaint Against Credit Reporting Agencies and Creditors for Violations of the FCRA To Whom It May Concern : I am filing this complaint against TransUnion, Experian, Equifax, and several creditors for multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), resulting in inaccurate and harmful information on my consumer credit report. The following FCRA laws have been violated : -- - FCRA Section 611 ( a ) ( 1 ) ( A ) Violation : Credit bureaus failed to respond to written disputes within 30 days.

Fine : {$1000.00} per violation. 


-- - FCRA Section 605 ( c ) Running of the Reporting Period Violation : Creditors and/or credit bureaus attempted to re-age accounts, including GLBLNDSVCS, updating last activity dates to extend derogatory items on my file. 
Fine : {$1000.00} per violation.

-- - FCRA Section 623 Violation : Despite my dispute on the XXXX XXXX XXXXXX/XX/XXXXXXXX collection accounts, creditors failed to mark them clearly as " disputed '' to all CRAs ( Credit Reporting Agencies ). 
Fine : {$1000.00} per violation, per bureau. 


-- - FCRA Section 604 ( a ) ( 3 ) Violation : Several inquiries from IR, XXXX XX/XX/XXXX were made without a permissible purpose. 
XXXX : {$1000.00} per violation. 


-- - FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Violation : Equifax reinserted disputed accounts ( e.g., XXXXXX/XX/XXXX) without proper written notice within XXXX business days. 
Fine : {$1000.00} per violation.

-- - I have attached my full credit report and documentation clearly showing these violations. I demand : 1. Immediate deletion of all inaccurate, unverifiable, and improperly reported accounts across all three bureaus.

2. Full investigation and enforcement actions by the CFPB for each listed violation. 


3. Monetary penalties applied to each bureau and creditor for their ongoing noncompliance and harm done to me financially and emotionally. 



These entities have acted in direct violation of FCRA law and federal consumer protection statutes. I respectfully demand swift resolution and enforcement. 

Consumer Name : XXXX XXXX XXXX XXXX of Birth : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX Credit Report Date : XX/XX/XXXX Sincerely, 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 explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report for the following account : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Status : Paid, Closed ( as of XX/XX/year> ) The account is inaccurately showing late payments for XXXX and XX/XX/year>, listed as 30 and 60 days past due. This information is inaccurate and misleading, as I made all payments in a timely manner during the accounts 12-month term. The account should reflect a positive payment history, as it was paid in full and closed satisfactorily. 

These erroneous late marks are damaging my credit and do not reflect the true nature of my payment activity. Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a full reinvestigation and have the late payments removed. I ask that this account be updated to reflect : Paid as agreed Never late. 

Please complete your reinvestigation within the 30-day period required by law. Upon completion, kindly provide an updated credit report reflecting the corrections. 

Thank you for your prompt attention to this matter

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 2025-07-07 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report for the following account : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Status : Paid, Closed ( as of XX/XX/year> ) The account is inaccurately showing late payments for XXXX and XX/XX/year>, listed as 30 and 60 days past due. This information is inaccurate and misleading, as I made all payments in a timely manner during the accounts 12-month term. The account should reflect a positive payment history, as it was paid in full and closed satisfactorily. 

These erroneous late marks are damaging my credit and do not reflect the true nature of my payment activity. Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a full reinvestigation and have the late payments removed. I ask that this account be updated to reflect : Paid as agreed Never late. 

Please complete your reinvestigation within the 30-day period required by law. Upon completion, kindly provide an updated credit report reflecting the corrections. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 



Unauthorized Inquiry ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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