vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX * * is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : BANKRUPTCY Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : Account Name : XXXX  Date of inquiry : XX/XX/XXXX Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law 3. XXXX  's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold XXXX  and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 
1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information. 
Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

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 2025-11-18 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: GA

Complaint narrative:
I demand that these late payments and charge-off accounts be thoroughly investigated and permanently deleted from my credit reports at Equifax, Experian, and TransUnion. If the furnishers can not provide irrefutable proof of accuracy, the bureau must immediately remove the negative items to remain in full compliance with the FCRA and ensure the integrity of my consumer credit file.

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 2025-11-18 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: GA

Complaint narrative:
I demand that these late payments and charge-off accounts be thoroughly investigated and permanently deleted from my credit reports at Equifax, Experian, and TransUnion. If the furnishers can not provide irrefutable proof of accuracy, the bureau must immediately remove the negative items to remain in full compliance with the FCRA and ensure the integrity of my consumer credit file.

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 2025-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Removal of Negative Information Due to the Experian Data Breach Dear Experian, I, XXXX XXXX, hereby submit a formal dispute and request for review regarding certain information on my credit report. I have been a victim of the Experian data security breach, which exposed the personal and confidential information of thousands of individuals. 
It was not possible to file a report with the FTC because the system is currently not available. For this reason, I am including an affidavit listing the accounts and inquiries that I do not recognize XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Inquiries to be removed : XXXX XXXX  / XXXX XX/XX/XXXX XXXX / XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX For this reason, I formally request the immediate and permanent removal of all fraudulent accounts and related inquiries, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ). 
I respectfully ask that this statement be given the attention it deserves and that all applicable legal procedures and protections be applied to block and delete any unauthorized or inaccurate information 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 2025-11-18 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: NY

Complaint narrative:
I am writing to dispute certain accounts listed on my credit report. I have found discrepancies and errors that I believe violate the Fair Credit Reporting Act ( FCRA ) and require investigation and correction. Please see the following details for each bureau : Charged Off Accounts : XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$20000.00} Inquiries : XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Late Payments : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-18 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: LA

Complaint narrative:
I am requesting a formal investigation of the following charged-off accounts reported by Experian. I believe the reporting is inaccurate, and I request the removal or correction of these accounts if they can not be verified. 

XXXX XXXX  | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$2300.00} XXXX XXXX XXXX | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX XXXX Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX XXXX XXXX Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$1200.00} XXXX XXXX XXXX | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$1900.00} XXXXXXXX XXXX  XXXX Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$520.00} XXXX XXXX  XXXX Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$690.00} XXXX  | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$1000.00XXXX XXXX XXXX XXXX | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$330.00} XXXX  | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$270.00} Inquiries XXXX XXXX | Date : XX/XX/XXXX XXXX XXXX  | Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  | Date : XX/XX/XXXX XXXX  | Date : XX/XX/XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX XXXX | Date : XX/XX/XXXX Late Payments DPT EDXXXX | Account # : XXXXXXXX XXXX XXXX | Account # : XXXX XXXX  | Account # : XXXX XXXX | Account # : XXXX XXXX | Account # : XXXX XXXX | Account # : 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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I received a letter from XXXX XXXX and XXXX. They were going to garnish my wages, which they did. I paid the full amount. Now, I receive another letter stating that they want me to pay {$12.00} additional after Ive paid the full amount which was paid almost 2 months ago. I called them several times and spoke with two people who did not help me or can explain to me why Im being charged another {$12.00}. I feel like Im being harassed and taking advantage of. I should not have to pay additional money two months after I paid the full amount that was ordered by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am requesting that these accounts be removed immediately from my credit report. These accounts and inquiries appeared after a recent data breach that compromised my personal information. I believe this is a direct result of identity theft and unauthorized use of my data. I have contacted these companies regarding the same and nothing has been removed. XXXX XXXX XXXX XXXX  have all had data breaches and my information has been exposed. If these accounts are removed immediately, I will file a lawsuit. 

XXXX {$890.00} XXXX XXXX {$6300.00} XXXX XXXX  {$1200.00} Capital One {$2700.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX  : {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because [ Experian XXXX XXXX XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the XXXX XXXX reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : 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 2025-11-18 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate, unauthorized, and unverified information. As a consumer, I am seeking the correction or removal of these items, in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX. Charged Off Disputed These accounts are disputed because they are not correctly verified and are reported inaccurately : XXXX, Acct XXXX XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Acct XXXX XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} Please verify these accounts and provide supporting documentation or remove them if they can not be properly verified. 

XXXX. Inquiries Disputed There are no disputed inquiries listed for Equifax. 

XXXX. Positive Accounts There are no issues with positive accounts at this time. 

XXXX. Late Payment Disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
HSA bank XX/XX/year> attempted withdrawal of {$2500.00} ( max amount ) for reimbursement of medical bills. System saw it as suspicious. Called HSA bank XX/XX/year> it sent the money back and I called they said there was a hold and she would lift it and it would take XXXX hours and I can make the transaction again and it won't happen again. XX/XX/year> I called again because my account should be cleared by now. I talk to a lady and she says she can't get a hold of the fraud department and they should tell why me there's still a hold. Told me to give my number so they can call me back. I need the reimbursement badly I've been coming out of pocket for years and now when I want need it, they keep pushing the goal post. I seriously feel this is done on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am filing a formal dispute regarding the following accounts. These accounts are inaccurately reported, and I request immediate correction. Failure to resolve these issues promptly will result in escalation of this matter. 

Charged Off Accounts : No charged off accounts listed for dispute on TransUnion. 

Inquiries : XXXX  Date Open : XX/XX/year> XXXX XXXX  Date Open : XX/XX/year> XXXX XXXX XXXX Date Open : XX/XX/year> XXXX XXXX  Date Open : XX/XX/year> XXXX XXXX  Date Open : XX/XX/year> XXXX XXXX  Date Open : XX/XX/year> XXXX Date Open : XX/XX/year> XXXXXXXX XXXX XXXXXXXX Date Open : XX/XX/year> Late Payments : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2025-11-18 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting 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 2025-11-18 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: SC

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you regarding information on my credit report that I have previously disputed but continues to be reported inaccurately. This ongoing reporting of unverifiable or incorrect information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation and correct or remove any information that can not be verified.

I request that you immediately reinvestigate all disputed items and ensure that any information that can not be verified is permanently deleted or corrected. Continued reporting of inaccurate information can significantly harm my creditworthiness and financial opportunities.

Please provide written confirmation of your investigation results and the actions taken to correct my credit report. I am providing all available supporting documentation to assist with your review. Prompt attention to this matter is required. 

Thank you for ensuring my credit report accurately reflects my credit history.

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