vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I did not get original contract for this amount claim owed. Original creditor place charged off on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
National Recovery is reporting a collection account on my credit file in the amount of {$2200.00}. I fully dispute this account as inaccurate, unverifiable, and unlawfully furnished in violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

First, National Recovery has failed to provide me with any validation of this alleged debt as required under FDCPA 809 ( b ). A debt collector must provide verification of a debt upon request, and until proper validation is furnished, all collection activity and credit reporting must cease. Despite this clear legal requirement, National Recovery has chosen to damage my credit by reporting this account without producing any documentation. 

Second, the Fair Credit Reporting Act mandates strict standards for accuracy. Under FCRA 602A, 607 ( b ), and 623, a furnisher must ensure maximum possible accuracy. Reporting a debt without proof of ownership, chain of assignment, or original agreement is reckless, negligent, and unlawful. Continued furnishing without documentation constitutes willful noncompliance, making National Recovery liable under FCRA 616 and 617.

Third, there is no evidence that I ever authorized National Recovery to possess, share, or report my personal information. There is no signed contract, wet signature, or original agreement granting them permission. Under FCRA 604, a company must have a permissible purpose to obtain and use consumer data. Without proof of such purpose, National Recoverys actions amount to unauthorized use and unlawful handling of my personal information.

Fourth, I was never properly notified of this debt or introduced to National Recovery as a third-party collector. This failure to notify violates my rights under FDCPA 807, which prohibits deceptive and misleading practices. Furnishing information to the credit bureaus without first ensuring lawful ownership and consumer consent is not only misleading but an abuse of the reporting system.

Finally, I am in an unstable living condition and can not reliably receive mailed correspondence. Because of this hardship, I demand that all supporting documents, validation, and responses be uploaded directly to the CFPB portal. Mailing letters that I can not access will not satisfy legal obligations. 

This account is unlawful, harmful, and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To my frustration, I found an unauthorized inquiry on my credit report this morning, and I do not know why it is there. I checked as I usually do, and suddenly these discrepancies appeared. I refreshed my browser thinking it might be a temporary error, but the inquiry stayed. This has caused me unnecessary stress, and I demand that the documents I sent be carefully reviewed right away so this matter is resolved immediately and permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Rebuttal to Navy Federal 's Response to CFPB complaint [ XXXX. 

I am submitting this rebuttal to Navy Federal Credit Union 's response to my complaint filed on XX/XX/XXXX. Their reply is inadequate, misleading, and does not address the actual violation I mentioned. 

1. Navy Federal 's Response Misstates the Issue : Their response reply focuses on the " validity of the debt '' and states that I remain responsible for payment. However, my complaint was not about whether the debt exists. The issue is that Navy Federal violated the Fair Credit Reporting Act ( FCRA ) as amended by the CARES Act ( 15 USC 1681s-2 ( a ) ( 1 ) ( F ) during the Covid-19 covered period.

2. CARES Act Requirements : Under the CARES Act, if a consumer is provided an accommodation during the covered period ( XX/XX/XXXX through 120 days after the COVID-19 national emergency ended ), the furnisher must continue to report the account in the same status it was in at the time the accommodation was made. If the account was current, it must be reported as such. This requirement applies regardless of whether the accommodation was written, oral, formal of informal. 

3. The Violation in My Case : A. During the covered period, I notified Navy Federal of my Covid-19 related hardship and received an accommodation.

B. At the time the accommodation began, the accounts were not delinquent. 
C. Despite this, Navy Federal reported late payments in XXXX, subsequently charged off the accounts during the protected period. 
D. This reporting directly violates the CARES Act amendment to the FCRA as well as CFPB XXXX XXXX. 

4. Deficiency in Navy Federal 's Response : Navy Federal did not provide any review of the account status at the time the accommodation was made ; Any documentation proving compliance with 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ; nor any acknowledgement of their reporting obligations under the CARES Act.

Instead, they attempted to dismiss the issue by restating the debts are valid. This is irrelevant and does not address the legal violation. 

5. Requested Relief : Because the reporting occurred in violation of the CARES Act, the only accurate remedy is complete deletion of the disputed tradelines from all nationwide reporting agencies ( XXXX XXXX XXXX and XXXX ). 


Thank you for your attention to this matter!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$330.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I disputed a {$5000.00} XXXX XXXX XXXX XXXX charge-off on my XXXX credit report. On XX/XX/2025, XXXX completed its investigation and determined that the account could not be verified. As a result, XXXX deleted the account entirely from my credit file. 

Despite XXXX deletion, this unverifiable account is still being reported by other nationwide credit reporting agencies ( XXXX, Equifax, and XXXX ). Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), if disputed information can not be verified, it must be deleted from a consumers file within 30 days. Continuing to report unverifiable information violates my rights under 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. 

I am requesting that CFPB ensure XXXX, Equifax, and XXXX  delete this unverifiable account from my credit report immediately, consistent with XXXX findings. 

If the account is not removed, I reserve my right to pursue legal remedies under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance.

Relief Requested : Immediate deletion of the unverifiable XXXX XXXX XXXX XXXX account from my XXXX, Equifax, and XXXX  reports. 

Written confirmation of deletion. 

Attachment Provided : Copy of XXXX deletion notice ( dated XX/XX/2025 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
XX/XX/year>XXXX  Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Re : Formal Complaint Portfolio Recovery Associates , LLC To Whom It May Concern : I am submitting the enclosed letter as a formal complaint against Portfolio Recovery Associates , LLC ( XXXX, XXXX ), located at XXXX XXXX XXXX, XXXX, VA XXXX. 
XXXX, XXXX has reported a disputed account without providing proper and timely notice to me, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : They furnished negative credit information before giving me the legally required 30-day notice. They mailed the alleged initial notice to an outdated address where I no longer resided, depriving me of my right to dispute. They have continued to report inaccurate and unverified information to the credit bureaus. The enclosed demand letter outlines these violations in detail and requests that XXXX, XXXX delete the account from my credit reports and provide compensation for damages. 

I request that the CFPB investigate these unlawful practices and take enforcement action as appropriate. 

Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a late payment entry currently listed on my credit report. My records confirm that all payments were made on time. The reported late payment is inaccurate and is unfairly damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
XXXXDept. of Education is inaccurately reporting multiple 90-day late payments on my federal student loans. These late marks all stem from a single {$15.00} oversight that has since been resolved, and my account is now at a {$0.00} balance. 
Importantly, XXXX placed my loans into administrative forbearance while processing my Income-Driven Repayment ( IDR ) application, and I have written notice confirming this status. Loans in forbearance can not be reported as delinquent under federal servicing rules, yet XXXX reported me as 90 days late across multiple tradelines. 
This is misleading, duplicative, and disproportionate. It makes it appear as though I had multiple severe delinquencies when in fact it was one small oversight, and it directly contradicts XXXX  own forbearance notice. This inaccurate reporting has dropped my credit score by more than XXXX points and is preventing me from accessing stable housing and fair credit. 
I am requesting that all 90-day late marks tied to this incident be removed from all tradelines and that my reports be updated to show Current or Paid as Agreed.

Company response to consumer: Closed with explanation