vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Summary of Evidence Package Law Office of XXXX XXXX, XXXX. 

This file contains verified documentation of continued FCRA and FDCPA violations involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Portfolio Recovery Associates. 

Section A ( XXXX XXXX ) : XXXX XXXX has continued inaccurate credit reporting and direct communication during an active CFPB investigation and after service of a Cease & Desist + Conditional Civil Claim Package ( served XX/XX/year> ). Violations include FCRA 611 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), and FDCPA 805 ( c ).

Section B ( Portfolio Recovery ) : This furnishers collection account was previously deleted by Experian ( XX/XX/year> ) but has reappeared or remained misreported by other bureaus in violation of FCRA 611 ( a ) ( 5 ) ( B ) and 605 ( c ). The account was also misclassified as late instead of collection, constituting deceptive reporting under FDCPA 807 ( 8 ). 

Attached documentation includes : CFPB Complaint Confirmations ( XXXX XXXX, XXXX, XXXX ) BBB confirmation & XXXX data breach proof FTC ID XXXX Report # XXXX Cease & Desist + Intent to Sue correspondence Verified deletion and reinsertion screenshots Requested Resolution : Immediate deletion of all inaccurate XXXXXXXX XXXX  and Portfolio Recovery tradelines across all consumer reporting agencies. 

Submitted by : XXXX XXXX XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX | On behalf of consumer : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA 611 Dispute of Re-Aged and Duplicate Accounts Request for Deletion I am disputing the accuracy and legality of two entries appearing on my credit report. Both accounts represent the same {$520.00} debt but are being reported twice and with inconsistent dates that violate federal law. 


1. XXXX XXXX XXXX Bank Account opened : XX/XX/XXXX Date of first delinquency : XX/XX/XXXX Status : Charged off / sold Balance : {$0.00} 2. XXXX XXXX XXXX Account opened : XX/XX/XXXX Date of first delinquency : XX/XX/XXXX Status : Collection account {$520.00} Balance : {$520.00} These are the same debt, originally from XXXX XXXX XXXX Bank, but XXXX XXXX has re-aged and re-reported it as a new account in XXXX. 
This is a clear violation of : FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) : Re-aging or restarting the 7-year reporting period is prohibited.

FCRA 623 ( a ) ( 15 U.S.C. 1681s-2 ) : Furnishers must report only accurate, verifiable information.

FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus must delete unverifiable or inaccurate data within 30 days of dispute. 

Requested Action 1. Delete all duplicate and/or re-aged entries related to this {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


2. Provide written verification of the original date of delinquency used for reporting.

3. Supply documentation that confirms each furnisher verified the datas accuracy.

If verification can not be provided, both accounts must be permanently deleted under FCRA 611 ( a ) ( 5 ) ( A ). 

Thank you for your prompt attention. Please confirm receipt and provide a written response within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-24 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: SC

Complaint narrative:
The auto loan was originally with XXXXXXXX XXXX XXXX and transferred to XXXX XXXX XXXX in XX/XX/XXXX. The consumer went on XXXX XXXXXXXX in XXXX and XX/XX/XXXX and resumed payments in XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX without any written notice, documentation, or opportunity to cure the alleged default. 

After the repossession, the consumer contacted XXXX XXXX and was given a balance to redeem the vehicle, but no written documentation or proof of the repossession, sale, or remaining balance was provided. 

A dispute was filed with TransUnion on XX/XX/XXXX. On XX/XX/XXXX, the dispute was marked verified, but no supporting documentation was provided. The account still shows Unknown status and Repossession Redeemed/ Profit and Loss Write-Off. The investigation did not correct the inaccurate information on the 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 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 2025-10-24 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: PA

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 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP
State: CA

Complaint narrative:
I dispute an account U.S. Bank is reporting to XXXX  ( Consumer ID : XXXX ). I am not responsible for the activity on this account it appears to be unauthorized. I filed disputes with U.S. Bank and XXXX  ( copies attached ) and requested a fraud investigation, but the record remains. Requested remedy : investigate, delete any unverified records, and block reporting of this fraudulent account.

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 2025-10-24 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: PA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-10-24 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: PA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-10-24 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:
Inaccurate accounts are reporting to my 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 2025-10-24 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: NY

Complaint narrative:
Inaccurate accounts are reporting to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX approximate time XXXXXXXX XXXX I went into the Truist Bank branch on XXXX Virginia XXXX XXXX to get a quarterly owners draw for {$35000.00} dollars where my business tax account ending in XXXX is located and, the two tellers and the Branch office worker collected all my personal information Social security numbers, Bank account numbers, and business XXXX numbers then after stated my Business tax account is not a valid account and that they couldn't pull it up on the computers. This account has substantial amount of money in it. I am being completely blocked from my business tax account now! 
On or around XX/XX/XXXX I made several XXXX payments out of the account to pay my business payroll taxes they all states paid '' and today they are stating unpaid. Also, ref : # XXXX Client # XXXX were the numbers that the branch office lady at Truist Bank gave me for reference these numbers may have to do with a very large direct deposit to my business tax account from the Virginia XXXX XXXX deposit possibly to the account ending in XXXX this past week a few days ago. I have had my business license since XXXX and been working on payroll since XX/XX/XXXX I am a disabled small in -housework business owner and I've worked hard to establish myself and I believe my business account is REAL please I need your office to help me recover my account and hold the bankers accountable for any dishonest business practices. XXXX direct deposit claim # XXXX You can also reach me at XXXX Thank you, XXXX regards 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ), doing business as Dispute Resolution Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for illegal re-aging of my student loan account in violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ). 
XXXX XXXX my institutional XXXX loan for XXXX XXXX XXXX. Their own records show that the loan first became 30 days delinquent in XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. These facts are confirmed in an official letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX ( attached ). 
After I disputed inaccurate reporting with XXXX XXXX re-reported or updated the account as opened or newly delinquent in XX/XX/XXXX, which falsely resets the Date of First Delinquency. This constitutes illegal re-aging, because the FCRA requires furnishers to maintain and report the original XXXX and prohibits restarting the seven-year reporting period when an account is transferred or updated. 
As a result, the account now appears newer than it is, artificially damaging my credit and extending its presence on my report beyond the lawful seven-year period ( which should expire around XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the negative information being reported on my Experian credit report, generated on XX/XX/year>. The following accounts appear to contain inaccurate, incomplete, or unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX  late payments reported ( XXXX XXXX XXXX XXXX XXXX charge-off, multiple late payments XXXX XXXX charge-off, multiple late payments XXXXXXXX XXXX XXXX XXXX  ) paid in settlement, late and charge-off not verified XXXX XXXX XXXX XXXX late payment reported in error Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am exercising my rights under : 602 ( A ) Congress found that inaccurate credit reports undermine confidence and cause harm to consumers.

607 ( b ) Credit reporting agencies must maintain maximum possible accuracy of consumer data.

609 ( a ) ( 1 ) ( A ) I have a right to all information in my file and the source of each item.

611 ( a ) ( 1 ) ( A ) Upon notice of dispute, the CRA must reinvestigate disputed information and delete or correct any data that can not be verified within 30 days.

604 ( a ) ( 3 ) Information may only be furnished for permissible purposes ; inaccurate negative reporting violates this section.

The accounts listed above contain derogatory payment information that is either inaccurate, incomplete, or unverifiable, including but not limited to inconsistent dates of delinquency, balance reporting, and payment status. As such, these items must be deleted immediately from my credit file in accordance with FCRA 611 ( a ) ( 5 ), which requires deletion of unverifiable information.

Please provide written verification of your reinvestigation results and copies of all documentation used to verify each account. If the information can not be verified in full, it must be removed from my credit file and all future reports.

This is a formal demand for deletion of all negative and unverifiable entries. I am also filing this same dispute with Experian for reinvestigation, as permitted under FCRA law.

Thank you for your prompt attention to this matter. I expect a full reinvestigation and response within 30 days as required under 15 U.S.C. 1681i. 

Sincerely, XXXX XXXX Email : 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 2025-10-24 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * * Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Account Current Balance : {$5800.00}, Date of Account : XX/XX/scrub>XXXX XXXX XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation