vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This was the letter I sent off. Without giving proper validation the reported and alleged debt to all 3 major credit bureaus. This action has caused great financial strain due to their negligence. This is the copy of the letter that has been mailed to them. 



XX/XX/XXXX XXXX Debt Validation Letter Portfolio Recovery, I trust this correspondence finds you well. I am writing to you regarding an alleged debt that was fraudulently reported to all 3 major credit bureaus as accurate and true. As a well-informed consumer, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws to request comprehensive validation of the debt in question. 

In light of the legal complexities surrounding debt validation, I kindly request the following information : 1. * * Verification of Debt Ownership * * : I am requesting a copy of the purchase agreement, delineating the terms and conditions of the transfer. The original creditor must also attest to the accuracy of the alleged debt. * Refusing, or failing, to produce the purchase agreement will be treated as suppression of vital information.

2. * * Chain of Assignment * * : Provide a meticulous and chronological chain of assignment, elucidating the successive transfers of the alleged debt, including specific dates and the identities of the parties involved.

3. * * Copy of the Bill of Sale * * : I request a copy of the bill of sale pertinent to the transaction, outlining the transfer of the alleged debt with all associated particulars.

4. * * Itemized Accounting of the Alleged Debt * * : Furnish a detailed and itemized accounting of the alleged debt, encompassing principal amounts, interest charges, fees, and any other pertinent details.

5. * * Copy of the Contract of Sale * * : Kindly provide a copy of the contract of sale relating to the transaction involving the alleged debt, incorporating all terms and conditions governing the sale.

6. * * Notice of Mandatory Arbitration * * : In the event of any contemplation of legal action, I request explicit information concerning the existence of any mandatory arbitration clause. If such a provision is applicable, please furnish details on the initiation of arbitration proceedings.

All communications related to this matter should be directed to the address provided below. In the event that any of the requested documents are unavailable, I expect a detailed explanation outlining the reasons for their unavailability.

I appreciate your attention to this matter and anticipate your compliance with the legal requirements outlined above. Your timely response will contribute to a fair and just resolution of this alleged debt. 

C/o XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. The Consumer Financial Protection Bureau filed a lawsuit against Transunion for it's 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 customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX XXXX {$1300.00},, XXXX XXXX XXXX {$1300.00},, XXXX XXXX XXXX {$1200.00}.

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 non-monetary relief
Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
I have a student loan that is serviced via XXXX. According to the credit bureau TransUnion, there are ten accounts ( different lines all for the same loan ) that have late or missing payments during a five-month period, XX/XX/XXXX through XX/XX/XXXX. However, during these months ( as well as before and after ), I was enrolled as a graduate student at XXXX University and eligible for deferment on payments. I have included a file that is my enrollment verification from the university registrar. It shows that I was enrolled during all five months in which late charges are reported. Given that I was eligible for deferment, as I was in the months prior to and after this five-month span, there should be no late or delinquent payments associated with these accounts. I have filed a dispute with TransUnion, but they only allow me to dispute one account ( of the ten ) at a time.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am formally requesting that the dispute comment associated with the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, be removed from my credit report across all applicable credit bureaus. In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have notified the credit bureaus that I am no longer disputing this item, and the continued presence of the dispute remark is now inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am formally requesting that the dispute comment associated with the account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, be removed from my credit report across all applicable credit bureaus. In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have notified the credit bureaus that I am no longer disputing this item, and the continued presence of the dispute remark is now inaccurate and misleading.

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 2025-06-20 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: FL

Complaint narrative:
There are fraudulent accounts listed on my consumer profile due to identity theft and also from me being involved in the Equifax data breach. Debt collectors have reached out to me in reference to the debts knowing I am a victim of identity theft. I am in the process of trying to clean up this mess thieves have made with my personal information. Below are the accounts that are fraudulent : * XXXX XXXX XXXX {$660.00} * XXXX  XXXX XXXX XXXX {$730.00} * XXXX XXXX  acct # XXXX {$76000.00} * XXXX XXXX XXXX- {$1100.00}

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 non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
There are fraudulent accounts listed on my consumer profile due to identity theft and also from me being involved in the Equifax data breach. Debt collectors have reached out to me in reference to the debts knowing I am a victim of identity theft. I am in the process of trying to clean up this mess thieves have made with my personal information. Below are the accounts that are fraudulent : * XXXX XXXX XXXX {$660.00} * XXXX  XXXX XXXX XXXX {$730.00} * XXXX XXXX  acct # XXXX {$76000.00} * XXXX XXXX XXXX- {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-20 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Enterprise Systems, Inc.
State: NV

Complaint narrative:
Updated Complaint Statement Regarding XXXXXXXX Card Account I am writing to submit new and critical information regarding my previous complaint about XXXX Card. 

Upon reviewing my records more closely, I discovered that I have received multiple collection letters from third-party debt collectors specifically XXXX XXXX XXXX XXXX XXXX and National Enterprise Systems , Inc. both attempting to collect on the same XXXX Card account for the same balance of {$2400.00}. These letters date back to XXXX and XX/XX/year>. 

This proves that XXXX has either sold or assigned the account to a third-party debt collector, yet they continue to report this debt to the credit bureaus as if they still own it. The debt collectors are not listed on my credit report at all only XXXX is still furnishing the tradeline, which is marked as closed. 

This is misleading, harmful to my credit score, and a violation of multiple consumer protection laws.

Violations Committed by XXXX : 1. Failure to Report Accurate Information Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information to credit bureaus must report only accurate and current data. XXXX is reporting this debt as if they still own it, when it is clearly being collected by other agencies. 

2. Failure to Properly Investigate and Update Disputed Accounts Per 15 U.S. Code 1681s-2 ( b ), once a consumer files a dispute, the furnisher must conduct a reasonable investigation and, if the information is inaccurate, correct or delete it. XXXX has failed to correct the tradeline despite being notified of my dispute and providing no written validation directly to me.

3. False and Misleading Credit Reporting Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), a company must not communicate credit information that is known to be false or misleading. Continuing to report a tradeline as if the original creditor still owns the account while third parties are actively collecting on it is a deceptive and unlawful practice.

Request for Action : Given that XXXX has failed to validate this debt in writing ( as I previously reported ), and they no longer appear to be the legal owner of the account, I am requesting that the XXXX tradeline be deleted in full from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 

I have attached both debt collection letters as proof. 

Thank you for your 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Northstar Location Services, LLC
State: NV

Complaint narrative:
Updated Complaint Statement Regarding XXXX Card Account I am writing to submit new and critical information regarding my previous complaint about XXXX Card. 

Upon reviewing my records more closely, I discovered that I have received multiple collection letters from third-party debt collectors specifically Northstar Location Services , LLC and XXXX XXXX XXXX XXXX XXXX both attempting to collect on the same XXXX Card account for the same balance of {$2400.00}. These letters date back to XXXX and XX/XX/year>. 

This proves that XXXX has either sold or assigned the account to a third-party debt collector, yet they continue to report this debt to the credit bureaus as if they still own it. The debt collectors are not listed on my credit report at all only XXXX is still furnishing the tradeline, which is marked as closed. 

This is misleading, harmful to my credit score, and a violation of multiple consumer protection laws. 

Violations Committed by XXXX : 1. Failure to Report Accurate Information Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information to credit bureaus must report only accurate and current data. XXXX is reporting this debt as if they still own it, when it is clearly being collected by other agencies. 

2. Failure to Properly Investigate and Update Disputed Accounts Per 15 U.S. Code 1681s-2 ( b ), once a consumer files a dispute, the furnisher must conduct a reasonable investigation and, if the information is inaccurate, correct or delete it. XXXX has failed to correct the tradeline despite being notified of my dispute and providing no written validation directly to me. 

3. False and Misleading Credit Reporting Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), a company must not communicate credit information that is known to be false or misleading. Continuing to report a tradeline as if the original creditor still owns the account while third parties are actively collecting on it is a deceptive and unlawful practice. 

Request for Action : Given that XXXX has failed to validate this debt in writing ( as I previously reported ), and they no longer appear to be the legal owner of the account, I am requesting that the XXXX tradeline be deleted in full from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 

I have attached both debt collection letters as proof. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased an American Express gift card with value of {$100.00} used it once to pay for parking. They told me my card was compromise put it on hold and the only option was to receive a replacement card. This was on XX/XX/XXXX. They told me I would have the card by XX/XX/XXXX And its not here. I have communicated with their customer service multiple times a day trying to get a form of tracking they are denying that they can give me tracking. I have spoken with XXXX. They say every package is tracking or reference number. They are just refusing to give it to me. I have tried to reach out via email but they dont have an email I reached out to target Their customer service is horrendous again the company is American Express .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE FOLLOWED PROCEDURES UNDER THE FCRA AND THE FAIR AND ACCURATE CREDIT TRANSACTION ACT ( FACTA ) TO REQUEST DELETION OF THIS INACCURATE INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
THESE FRAUDULENT ACCOUNTS HAVE AFFECTED MY FINANCIAL STANDING AND CAUSED EMOTIONAL 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 2025-06-20 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: WI

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint against Equifax, Experian, and TransUnion for continued reporting of false, incomplete, and unauthorized credit data in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i.

I previously submitted a notarized dispute letter via certified mail demanding deletion of inaccurate and unverifiable collection and charge-off accounts. These accounts lack legal standing, have no signed contracts, and show no verifiable assignment of debt. They were re-reported or " verified '' without evidence - a material breach of both federal law and Metro 2 compliance standards.

This violates : - 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - failure to delete unverifiable information ; - 15 U.S.C. 1681n & 1681o - willful noncompliance subject to civil liability ; - 15 U.S.C. 1681s-2 ( b ) - duty of furnishers to investigate disputed information ; - The Consumer Data Industry Association ( CDIA ) Metro 2 Format Guidelines.

I now demand the immediate deletion of all disputed accounts within five ( 5 ) business days. The bureaus ' response that accounts were " verified '' is legally insufficient. No documentary proof, contract, or lawful validation was provided.

Enclosures : - Notarized dispute letter sent to Equifax, Experian, and TransUnion - Copy of government-issued ID - Utility bill for address verification - Certified mail receipts The CFPB is requested to intervene to compel deletion and uphold consumer protection law. I also reserve the right to seek injunctive relief and compensatory damages for continued violations of my federally protected rights. 
Respectfully, 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 2025-06-20 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: WI

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint against Equifax, Experian, and TransUnion for continued reporting of false, incomplete, and unauthorized credit data in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i.

I previously submitted a notarized dispute letter via certified mail demanding deletion of inaccurate and unverifiable collection and charge-off accounts. These accounts lack legal standing, have no signed contracts, and show no verifiable assignment of debt. They were re-reported or " verified '' without evidence - a material breach of both federal law and Metro 2 compliance standards.

This violates : - 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - failure to delete unverifiable information ; - 15 U.S.C. 1681n & 1681o - willful noncompliance subject to civil liability ; - 15 U.S.C. 1681s-2 ( b ) - duty of furnishers to investigate disputed information ; - The Consumer Data Industry Association ( CDIA ) Metro 2 Format Guidelines.

I now demand the immediate deletion of all disputed accounts within five ( 5 ) business days. The bureaus ' response that accounts were " verified '' is legally insufficient. No documentary proof, contract, or lawful validation was provided.

Enclosures : - Notarized dispute letter sent to Equifax, Experian, and TransUnion - Copy of government-issued ID - Utility bill for address verification - Certified mail receipts The CFPB is requested to intervene to compel deletion and uphold consumer protection law. I also reserve the right to seek injunctive relief and compensatory damages for continued violations of my federally protected rights. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation