vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any advers
e 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 ) states : 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
Consumer complaint received 2025-07-18 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: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any advers
e 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 ) states : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
To Whom It May Concern, I am filing this CFPB complaint regarding multiple accounts appearing on my credit reports that are inaccurately reporting or can not be verified under the Fair Credit Reporting Act. 

The following items have been disputed but remain unresolved, with no supporting documentation or correction of inaccuracies : XXXX. XXXX XXXXXXXX XXXX XXXX Reporting on XXXX and TransUnion  Balance : {$13000.00} reflects late payments after charge-off, which is not legal Factual Issue : Charged-off accounts can not continue to accrue new late payments Citing FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishers must not report inaccurate info XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) {$3400.00} collection account Factual Issue : No validation of debt provided, and amount differs by bureau Reporting inconsistent dates of delinquency ( re-aging violation risk ) This violates FCRA XXXX ( b ) ( XXXX ) & FDCPA XXXX XXXX. XXXX XXXX XXXX {$250000.00} mortgage account Factual Issue : Late payments are reporting with inconsistent months across bureaus No written verification has been provided after dispute FCRA XXXX ( A ) requires maximum accuracy ; FCRA XXXX requires validation These items are damaging my credit standing and have not been properly verified. I request that CFPB intervene and require the data furnishers and CRAs to : Provide documented validation Remove all inaccurate or unverifiable data Sincerely, XXXX XXXX DOB : 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
To Whom It May Concern, I am filing this CFPB complaint regarding multiple accounts appearing on my credit reports that are inaccurately reporting or can not be verified under the Fair Credit Reporting Act. 

The following items have been disputed but remain unresolved, with no supporting documentation or correction of inaccuracies : XXXX. XXXX XXXXXXXX XXXX XXXX Reporting on XXXX and XXXX Balance : {$13000.00} reflects late payments after charge-off, which is not legal Factual Issue : Charged-off accounts can not continue to accrue new late payments Citing FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishers must not report inaccurate info XXXX. Portfolio Recovery ( Original Creditor : XXXX ) {$3400.00} collection account Factual Issue : No validation of debt provided, and amount differs by bureau Reporting inconsistent dates of delinquency ( re-aging violation risk ) This violates FCRA XXXX ( b ) ( XXXX ) & FDCPA XXXX XXXX. XXXX XXXX XXXX {$250000.00} mortgage account Factual Issue : Late payments are reporting with inconsistent months across bureaus No written verification has been provided after dispute FCRA XXXX ( A ) requires maximum accuracy ; FCRA XXXX requires validation These items are damaging my credit standing and have not been properly verified. I request that CFPB intervene and require the data furnishers and CRAs to : Provide documented validation Remove all inaccurate or unverifiable data Sincerely, XXXX XXXX DOB : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
To Whom It May Concern, I am filing this CFPB complaint regarding multiple accounts appearing on my credit reports that are inaccurately reporting or can not be verified under the Fair Credit Reporting Act. 

The following items have been disputed but remain unresolved, with no supporting documentation or correction of inaccuracies : XXXX. XXXX XXXXXXXX XXXX XXXX Reporting on XXXX  and XXXX Balance : {$13000.00} reflects late payments after charge-off, which is not legal Factual Issue : Charged-off accounts can not continue to accrue new late payments Citing FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate info XXXX. XXXX XXXX ( Original Creditor : XXXX  ) {$3400.00} collection account Factual Issue : No validation of debt provided, and amount differs by bureau Reporting inconsistent dates of delinquency ( re-aging violation risk ) This violates FCRA 623 ( b ) ( 1 ) & FDCPA 809 3. PennyMac Loan Services {$250000.00} mortgage account Factual Issue : Late payments are reporting with inconsistent months across bureaus No written verification has been provided after dispute FCRA 602 ( A ) requires maximum accuracy ; FCRA 611 requires validation These items are damaging my credit standing and have not been properly verified. I request that CFPB intervene and require the data furnishers and CRAs to : Provide documented validation Remove all inaccurate or unverifiable data Sincerely, XXXX XXXX DOB : XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX. ( XXXX  ) for the ongoing false, misleading, and unlawful reporting of a charged-off account on my Experian credit report. The account shows a balance of {$2500.00}, listed as charged off since XX/XX/XXXX, yet XXXX XXXX continues to report monthly CO ( Charge Off ) entries through XX/XX/XXXX. This is materially inaccurate and designed to manipulate my creditworthiness by misrepresenting the nature and timeline of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), this type of repetitive charge-off reporting violates : FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) Failure to properly investigate prior disputes FCRA 609 ( a ) ( 1 ) Failure to provide written validation upon request Furthermore, I have never received a copy of the original signed agreement, a detailed accounting of the balance, or the chain of title that proves XXXX XXXX still legally owns or services this account.

There is reasonable belief that this alleged account was securitized, meaning it may have been sold into a trust or investment pool, and is now governed by the rules of that trust. If securitized, XXXX XXXX may no longer have legal standing to report or collect on this account, especially if the servicing rights were transferred. Under federal banking and securities law, only the legal owner or current servicer may report the account to credit bureaus. 

If XXXX XXXX can not provide proof that : 1. They own this debt, 2. The account was not sold or securitized, or 3. They still have servicing authority, then continued reporting is a deceptive, unfair practice and a willful violation of consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX. ( XXXX  ) for the ongoing false, misleading, and unlawful reporting of a charged-off account on my Experian credit report. The account shows a balance of {$2500.00}, listed as charged off since XX/XX/XXXX, yet XXXX XXXX continues to report monthly CO ( Charge Off ) entries through XX/XX/XXXX. This is materially inaccurate and designed to manipulate my creditworthiness by misrepresenting the nature and timeline of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), this type of repetitive charge-off reporting violates : FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) Failure to properly investigate prior disputes FCRA 609 ( a ) ( 1 ) Failure to provide written validation upon request Furthermore, I have never received a copy of the original signed agreement, a detailed accounting of the balance, or the chain of title that proves XXXX XXXX still legally owns or services this account.

There is reasonable belief that this alleged account was securitized, meaning it may have been sold into a trust or investment pool, and is now governed by the rules of that trust. If securitized, XXXX XXXX may no longer have legal standing to report or collect on this account, especially if the servicing rights were transferred. Under federal banking and securities law, only the legal owner or current servicer may report the account to credit bureaus. 

If XXXX XXXX can not provide proof that : 1. They own this debt, 2. The account was not sold or securitized, or 3. They still have servicing authority, then continued reporting is a deceptive, unfair practice and a willful violation of consumer 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHECKredi of Kentucky, LLC
State: PA

Complaint narrative:
Checkredi has sent unauthorized payments to my XXXX  account causing XXXX  and XXXX  to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

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 explanation
Consumer complaint received 2025-07-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute certain information on my credit report, which I believe is inaccurate due to a recent data breach. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, to request a verification of the disputed information and potential removal. Explanation of the Dispute : " I never signed a contract agreement with XXXX XXXX, XXXX. The company hasn't produced any signed contract agreement with their company after requesting the info through their outsourced collection agency that they hired. I am disputing the following items : credit card {$19000.00} LVNV Funding, LLC because this debt is 7 years. Per FCRA 15 USC 1601and 15 USC 1692c this inaccurate information needs to be permanently removed as soon as possible due to the fact that I have no signed contract with this company. I expect a response within 30 days, as required by the FCRA. Please provide written confirmation of the steps taken to investigate and correct the inaccuracies. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year>2025 I contacted Chase concerning a payment being withdrawn from my account. I was told the payment was declined due to insufficient funds. Which was fine with me I did not want to make the payment I explained that to the representative that I do not agree to make payment. She stated that she would cancel the card and overnight me a new card. Which would guarantee the payment would not be made off the debit card. I agreed to do that. Got the new card and a week later they let the payment go through with insuficient funds in the account. And after XXXX different calls to make sure payment was not made, also left account without the funds a second decision to insure it would not be paid. We'll Chase representative told me they have discretion on what they allow to go through. Chase forced me into a loan by choosing to pay {$2900.00} for something I did not authorize. Nor did I ask Chase for a loan. This has completely caused stress and problems for my business and me personally. For me to have a debit card and the funds not in the account Chase do not have a right to go ahead and pay something without understanding from it's client. This is a mistake on Chase behalf. And I feel like they took advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 

Thank you for your attention to this matter. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
I have no knowledge of these inquiries, which appear unauthorized and potentially fraudulent. Please promptly investigate and rectify the matter. Documentation is enclosed.

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 2025-07-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically XXXX years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the XXXX requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and XXXX from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
BANK XXXX XXXX XX/XX/XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
Re : Request for Debt Validation Dear Dispute Department, I am writing to acknowledge your recent response regarding my validation request. However, I respectfully disagree with your assertion that my request is frivolous or that you have fulfilled your validation obligations. I want to clarify that I have no recollection of this debt or the associated account. I have been actively working on my credit and resolving any debts I am aware of ; however, RS Clark and Associates has refused to provide the documentation I requested to verify that I owe this debt.

Without proper documentationsuch as a copy of the original signed contract or agreement establishing the debt, evidence of your authority to collect, and a detailed statement of the amount owedI am unable to take ownership of or pay a debt I do not recognize or have any record of.

Furthermore, I find it inappropriate and unprofessional for your company to use language such as " frivolous '' and " bad faith '' in response to my legitimate request for validation. It is my legal right under the Fair Debt Collection Practices Act ( FDCPA ) to request validation, and I am exercising that right.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt, which includes providing proof of the original debt, such as a copy of the signed contract or agreement, and documentation that verifies your authority to collect on this debt. My request was made in good faith, seeking to confirm the validity of the debt, and I am entitled to receive this documentation before any further collection activities.

Your assertion that I have submitted the same dispute previously does not negate my right to verify the debt again, especially if I have not received sufficient documentation to confirm its accuracy. Please note that I am not disputing the debt itself but requesting validation as per my rights under federal law.

Therefore, I kindly request the following : - A copy of the original signed contract or agreement establishing the debt.

- Evidence showing your authority to collect on this debt.

- A detailed statement of the amount owed, including any fees or interest.

My goal is to resolve any valid debt I may owe, so I would appreciate your cooperation in providing the necessary documentation. I hope we can settle this matter amicably and efficiently so I can move forward and clear any legitimate obligations.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation