vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Central Portfolio Control for multiple violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and privacy laws.

Violations Summary : 1. Continued Harassment After CeaseCommunication Request - Despite my written demand to cease contact ( sent on XXXX XX/XX/2025, they persisted in texting me again on XXXX XXXX XXXX  violating FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ).

2. Failure to Validate Debt - Under FDCPA 809 ( 15 U.S.C. 1692g ), I have the right to request validation of the debt, including : * Proof of the amount owed, * The name of the original creditor, * Documentation proving they own or were assigned the debt.To date, the have failed to provide sufficient validation.

1. Unlawful Credit Reporting- If this unverified debt was reported to credit bureaus, it violates FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires accurate reporting. 
2. Privacy Violations- By texting me without proper identity verification or mailing a written notice, they potentially exposed my private information to third parties, violating FDCP

A 806 ( harassment ) and privacy laws. Demands : 1. Immediate Cease & Desist - Halt all collectio
n eff

orts, including calls, texts, and letters. 2. Debt Cancellation - Cancel the debt entirely for failure to provide debt validation and for continuous harassment. 3. Credit Report Correction - Remove all entries related to this debt from my credit reports. 4. No Resale of Debt - Confirm in writing
that they will not sell, transfer, or assign this debt to another party.

5. Confirmation of Compliance - Provide written confirmation that all unlawful collection activities have stopped.

Evidence Attached : * Screenshot of unauthorized text messages XXXX XXXX XXXX XXXX  This debt collector 's actions constitute harassment, deceptive practices, and a breach of privacy. I request that the CFPB investigate and take appropriate enforcement action. I also reserve the right to pursue legal remedies under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Information and Request for Deletion Dear CFPB I am writing to formally dispute inaccurate information that is being reported on my credit file. My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. 

Upon reviewing my credit report, I have identified certain items that I believe are inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only information that is complete and accurate. Therefore, I am requesting that you investigate these items and remove any information that can not be verified as accurate.

S

pecifically, I am requesting that you delete the following inaccurate account ( s ) : Citi Credit Card The information being reported does not reflect my true credit history and is causing harm to my creditworthiness. I request that you conduct a thorough investigation, provide me with the results in writing, and delete any information that can not be verified with proper documentation from the original creditor. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 

The CFPBs XX/XX/year> enforcement action against XXXX XXXX  resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

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 2025-07-08 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: SC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: SC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: V and H Portfolio
State: SC

Complaint narrative:
I am disputing the accuracy of a tradeline reported by Vance and Huffman LLC, who is attempting to collect a debt originally held by XXXX XXXX XXXX. The collection was first reported approximately five months ago and has now reappeared on my credit report as a new account, causing my score to drop. This is misleading and creates the false impression that the debt is new or recent.

The original account is from XXXX and should be aging off my report within months. Instead, it is now reporting as a five-month-old debt, with no date of last payment, no payment history, and no clarity regarding when the debt was actually incurred. This misreporting is damaging my credit profile during an active mortgage process. 

I contacted Vance and Huffman directly and was told they report the debt based on when they received it, not the original date of default. I spoke with XXXX XXXX. His email is XXXX and phone number is XXXX. However, the FCRA is clear that re-aging a debt to appear newer than it is constitutes inaccurate reporting. 

I have attached a screenshot from my credit monitoring app showing the age of the account, as well as a PDF of the original debt documents confirming the age and nature of this account. I am requesting a full deletion of this account from all three bureaus, as it is being misrepresented and has already been disputed unsuccessfully due to the lack of original documentation at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
Transunion is reporting incorrect information on my consumer report. The account listed as XXXX XXXX, XXXX, and the bankruptcy is incorrect. I have previously disputed this information and Transunion claims to have verified the information but did not over any proof that their investigation was accurate. I know this information is not accurate because both companies have stated the social security numbers do not match up and were closed for identity theft. Yet Transunion states that this information is correct. I do not believe Transunion did an investigation because if they did they would know the social security number nor the date of births match. These accounts are negatively affecting my credit scores and Transunion refused to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
Transunion is reporting incorrect information on my consumer report. The account listed as XXXX XXXX, XXXX, and the bankruptcy is incorrect. I have previously disputed this information and Transunion claims to have verified the information but did not over any proof that their investigation was accurate. I know this information is not accurate because both companies have stated the social security numbers do not match up and were closed for identity theft. Yet Transunion states that this information is correct. I do not believe Transunion did an investigation because if they did they would know the social security number nor the date of births match. These accounts are negatively affecting my credit scores and Transunion refused to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt associated with the Equifax progressive insurance account number XXXX in the amount of {$860.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request a validation of the debt you claim I owe. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to request accurate and verifiable information regarding any negative entry on my credit report. 

Therefore, I hereby request that you provide me with the following documentation and information to validate this debt : XXXX. A complete itemized statement of the debt, including the original creditors name, account number, date of the debt, and the exact amount owed as of today. 
( FDCPA 1692g ( a ) ( 1 ) ) 2. A copy of the original signed contract or agreement bearing my signature that created this debt.

( FDCPA 809 ( a ) ) Requirement to provide evidence of debt ownership XXXX. Documentation proving your agencys legal authority to collect this debt, including the original assignment, sale agreement, or transfer of the debt from the original creditor to your company.

( FDCPA 1692g ( b ) ) 4. Verification that the debt belongs to me, including proof of my identity, name, and address associated with this debt. 
( FDCPA and FCRA requirements for accuracy and verification ) XXXX. Proof of the complete chain of custody for the debt, detailing when and how the debt was transferred or sold from the original creditor to your agency. 
( To establish legal standing to collect and report the debt ) Please be advised that until you provide the requested validation, you are legally required to cease all collection activities under FDCPA 1692g ( b ). Additionally, if you are reporting this account to any credit reporting agencies, failure to verify the debt obligates you to notify these agencies to remove any unverifiable or inaccurate information as mandated by the FCRA 1681i. 

I expect your response in writing within XXXX  days of receipt of this letter. Failure to comply will be considered a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account 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 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 2025-07-08 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NM

Complaint narrative:
Direct express denied my case because I had used these vendors in the past. Well when you use XXXX for example your going to get the XXXX pay hub. And that's exactly what happened, they looked at the charges that they made, saw a similarity and excused the transactions as mine... But if they woulda just gotten the number for the phone that they filed up several times, they would've noticed it wasn't mine! If they woulda just looked at where the XXXX XXXX was that they had used they woulda seen that it wasn't where I was... If they woulda looked a bit closer, they woulda have noticed that I didn't make the transactions even if I had used them in the past...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, due to identity theft that I believe is connected to the XXXX XXXX XXXX XXXXXXXX. My personally identifiable information, including my full name, Social Security number, and date of birth, was compromised in this breach, placing me at high risk of fraud. 

Upon reviewing my credit report, I identified one or more fraudulent items that I did not authorize, open, or recognize. Under FCRA 1681c-2, I am requesting that these items be blocked from my credit file, as I am the victim of identity theft. Block or permanently remove the fraudulent item ( s ) listed above from my credit report, as required by 15 U.S.C. 1681c-2.

2. Provide me with a written response confirming the removal or the outcome of your investigation.

3. Supply me with a free updated credit report under FCRA 1681j ( a ) ( 1 ) ( B ).

4. If applicable, provide the identity of any party that has accessed or relied on this fraudulent account.

Failure to comply with this request within the required time frame may constitute a violation of federal law. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade
Commission ( FTC ), and/or pursue civil remedies as allowed under FCRA 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, due to identity theft that I believe is connected to the 2017 Equifax data breach. My personally identifiable information, including my full name, Social Security number, and date of birth, was compromised in this breach, placing me at high risk of fraud.

Upon reviewing my credit report, I identified one or more fraudulent items that I did not authorize, open, or recognize. Under FCRA 1681c-2, I am requesting that these items be blocked from my credit file, as I am the victim of identity theft. Block or permanently remove the fraudulent item ( s ) listed above from my credit report, as required by 15 U.S.C. 1681c-2.

2. Provide me with a written response confirming the removal or the outcome of your investigation.

3. Supply me with a free updated credit report under FCRA 1681j ( a ) ( 1 ) ( B ). 
4. If applicable, provide the identity of any party that has accessed or relied on this fraudulent account.

Failure to comply with this request within the required time frame may constitute a violation of federal law. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or pursue civil remedies as allowed under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation