vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: MS

Complaint narrative:
I am filing this complaint against Equifax and the furnisher XXXX XXXX XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an {$85.00} collection account reported on my Equifax credit file. 

Account XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Amount : {$85.00} XXXX XXXX : XXXX ( as listed by Equifax ) I dispute the accuracy and completeness of this account. XXXX XXXX XXXX has failed to provide required debt validation and has continued to report this account without verification, in violation of FDCPA 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection activity until validation is provided. 

Additionally, under FDCPA 1692e ( 8 ), a debt collector is prohibited from reporting credit information which is known or should be known to be false, including the failure to communicate that a debt is disputed. I have disputed this account, yet it continues to appear on my Equifax credit report without any notation of my dispute, in violation of this section. 

This conduct also violates the FCRA : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 

FCRA 1681s-2 ( b ) Requires furnishers to conduct a reasonable investigation upon notice of a dispute from a CRA.

FCRA 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

Furthermore, Regulation F under the FDCPA ( 12 CFR 1006.34 ) requires debt collectors to provide a complete and accurate validation notice containing specific information about the debt, including itemization. XXXX XXXX XXXX has failed to provide such notice. 

Requested Resolution : Immediate deletion of the {$85.00} XXXX XXXX XXXX collection account from my Equifax credit file. 

Written confirmation that XXXX XXXX XXXX will cease reporting the account unless they can provide full and complete validation as required by federal law. 

Investigation into whether Equifaxs reporting procedures comply with FCRA 1681e ( b ) when dealing with disputed collection accounts. 

I will attach : A copy of my current Equifax credit report showing the account, This account continues to cause reputational and financial harm. I request immediate corrective action and confirmation of compliance with the FCRA, FDCPA, and Regulation F.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Main Line Recovery Solutions, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I emailed Collection Recovery Services ( CRS ) and requested that all communication be handled via email for documentation purposes. I clearly stated I wanted a written record of everything related to this matter.

In response, a CRS representative named XXXX refused this reasonable request and falsely claimed that email is normally only allowed for overseas consumers. I am a U.S. resident, and this limitation is incorrect. There is no law or regulation preventing a debt collection agency from using email to communicate with a U.S. consumer when the consumer specifically requests it. 

This refusal is an intentional attempt to force a phone call and avoid providing a written record of the companys responses. This is unacceptable behavior and undermines consumer rights to clear, documented communication. 

I have attached screenshots of both my original email to XXXX and his reply refusing my request. These show a deliberate disregard for my rights under the Fair Debt Collection Practices Act ( FDCPA ), which allows me to set a preferred method of communication.

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 2025-08-14 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: UT

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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 submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$26000.00} Date Opened : XX/XX/year> Charge Off Law : FCRA 602 ( A ), 611, 609, 623 ( a ) ( 1 ) ( A ) This law requires that information on my credit report be accurate, complete, and verifiable. Reporting unverifiable charge-off details or balances is a direct violation.

Issue : The account is reporting a charge-off with a high balance of {$26000.00}, which I dispute as inaccurate. The reported balance, payment history, and status do not match my records, and no proof of debt validation has been provided despite my prior request.

Story : I previously disputed this account, but the bureau failed to provide proper verification of the alleged debt. The furnisher has not provided any original signed contract, detailed payment ledger, or supporting evidence that justifies the balance and charge-off status. The lack of documented proof indicates the information is unverifiable. Continuing to report this account without proper substantiation is willful noncompliance with the FCRA. I demand its deletion from my credit file immediately.

I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CT

Complaint narrative:
My credit report for the account XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  shows an inaccurate and re-aged payment history. * * The account was charged off in XX/XX/year>, but subsequent monthly updates continue to report a 'charged off ' status. This is an incorrect practice known as " re-aging. '' A charged-off account should not have an active payment history, as this falsely updates the date of last activity. 

This repeated, inaccurate reporting violates my rights by manipulating the statute of limitations. I demand that this account be deleted from my credit 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 2025-08-14 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: CT

Complaint narrative:
My credit report for the account XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  shows an inaccurate and re-aged payment history. * * The account was charged off in XX/XX/year>, but subsequent monthly updates continue to report a 'charged off ' status. This is an incorrect practice known as " re-aging. '' A charged-off account should not have an active payment history, as this falsely updates the date of last activity. 

This repeated, inaccurate reporting violates my rights by manipulating the statute of limitations. I demand that this account be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
In accordance with the Fair Creat Reporting act capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my rightsI 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

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 2025-08-14 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: SC

Complaint narrative:
Re : Formal Dispute Under the Fair Credit Reporting Act Request for Permanent Deletion To Whom It May Concern, This is a formal dispute regarding the following account appearing on my XXXX  credit file : Portfolio Recovery Associates Account # XXXX This account is reporting information that is inaccurate, incomplete, and unverifiable, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). As a debt collection account, it is also subject to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), which prohibits false, misleading, or unverified reporting. 

Under FCRA 607 ( B ), you are required to maintain maximum possible accuracy, and under FCRA 611 ( a ) ( 1 ) ( A ), you must delete any information that can not be verified as accurate. Since this account can not be substantiated in full compliance with the law, I am demanding that XXXX  : Immediately conduct a reasonable investigation into this account. 

Permanently delete it from my credit report if verification can not be obtained. 

Provide me with an updated credit report reflecting this deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of a late payment account on my credit report which is 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 these inaccurate entries, yet Transunion 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. Transunion 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 ), Transunion 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 XXXX CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Transunion 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/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

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 2025-08-14 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 value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am disputing multiple inaccurate, incomplete, and/or unverifiable accounts on my XXXX XXXX, and Experian credit report dated XX/XX/year>. These include charged-off accounts, accounts marked as included in bankruptcy without proper court validation, and a public bankruptcy record sourced from a third-party database rather than directly from the court. 

The specific issues include : Reporting balances and payment histories that do not match original creditor records. 

Failure to provide original signed agreements and complete payment ledgers. 

Associating multiple accounts with a bankruptcy case without court documentation linking them. 

Reporting a bankruptcy public record without a certified court copy, in violation of FCRA 1681k. 


I have requested verification under the Fair Credit Reporting Act ( FCRA ) 611, 623, and 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy and to delete unverifiable information within 30 days. These items remain on my report despite being unverifiable, incomplete, and inaccurate. 

This has negatively impacted my creditworthiness, caused financial harm, and continues to misrepresent my credit history to potential lenders.

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 2025-08-14 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: MN

Complaint narrative:
I am disputing multiple inaccurate, incomplete, and/or unverifiable accounts on my XXXX, Transunion, and XXXX credit report dated XX/XX/year>. These include charged-off accounts, accounts marked as included in bankruptcy without proper court validation, and a public bankruptcy record sourced from a third-party database rather than directly from the court. 

The specific issues include : Reporting balances and payment histories that do not match original creditor records. 

Failure to provide original signed agreements and complete payment ledgers. 

Associating multiple accounts with a bankruptcy case without court documentation linking them. 

Reporting a bankruptcy public record without a certified court copy, in violation of FCRA 1681k.

I have requested verification under the Fair Credit Reporting Act ( FCRA ) 611, 623, and 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy and to delete unverifiable information within 30 days. These items remain on my report despite being unverifiable, incomplete, and inaccurate. 

This has negatively impacted my creditworthiness, caused financial harm, and continues to misrepresent my credit history to potential lenders.

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