vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Debt Reporting Account # Dear Portfolio Recovery Associates, This letter is to notify you that I am disputing the debt you are reporting in the amount of {$720.00}, last reported on XX/XX/year>. I am requesting that you provide full validation of this debt, including the name of the original creditor, a breakdown of the amount claimed, and any documentation bearing my signature or personal responsibility. 

Pursuant to the FDCPA and FCRA, I request that you suspend all collection activity and credit reporting until this matter is resolved. If you are unable to provide sufficient validation, I demand this account be deleted from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I discovered that a federal student loan from XXXX is being reported under the name DOE XXXX. I did not apply for, authorize, or receive this loan. On XX/XX/XXXX, I submitted a formal dispute letter along with an FTC Identity Theft Report requesting full validation, including a signed promissory note or other legal proof I agreed to the loan. No documents have been provided, and the account remains on my credit reports. 

The loan is being reported by all three credit bureaus with inconsistent and inaccurate information, including different balances, open dates, and comments. These errors violate the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting and proper responses to disputes. 

I am a confirmed victim of identity theft and was impacted by the XXXX XXXX  data breach. I believe this loan was fraudulently created using my compromised personal information. 

This account is harming my credit and has never been validated. I am requesting immediate and permanent deletion. I have attached my FTC Identity Theft Report and a copy of my formal dispute letter as proof of my efforts to resolve this matter properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
XX/XX/2025 National CRSYS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX RE : CEASE AND DESIST FORMAL DISPUTE, VALIDATION DEMAND & REQUEST FOR DELETION ( Non-Negotiable Directive ) To Whom It May Concern : This letter serves as a formal, final, and non-negotiable demand that you immediately CEASE AND DESIST all communication with me regarding the alleged debt you claim I owe. This includes all forms of contact : phone calls, emails, text messages, postal mail, or any contact through third parties. 
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I hereby formally dispute this debt in its entirety. I do not acknowledge, admit, or accept any responsibility for this alleged obligation. 
Furthermore, I am demanding that you provide the following without exception : A signed and executed copy of any original contract or agreement bearing my signature, proving I am legally obligated for this debt. 
A complete chain of title and assignment, including a bill of sale or legal documentation demonstrating your lawful ownership or right to collect this alleged debt. 
A full itemized accounting of the alleged balance, including fees, interest, and charges. 
Failure to provide this full legal validation constitutes non-compliance, and I will consider your claim and all collection activity as illegitimate. 
If you can not produce these documents in full, I am demanding that you immediately delete all tradeline reporting related to this alleged debt from all credit reporting agencies ( XXXX XXXX XXXX XXXX  ). Simply marking the debt as " disputed by consumer '' is not sufficient. Continuing to report a debt that is unvalidated or unverifiable is a direct violation of the FCRA and will result in immediate legal escalation on my part. 
You are hereby required to provide a full response and complete validation of the alleged debt within 20 calendar days from the date of receipt of this letter. Failure to comply within this timeframe will be interpreted as an inability or unwillingness to validate this alleged debt and will be treated as grounds for formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney generals office, and civil litigation for damages. 
Please be advised : You are not authorized to communicate further unless it is to comply with this demand or notify me of formal legal action. 
Any further contact or continued reporting of this debt, without full and proper validation, will be treated as a knowing and willful violation of federal law. 
This notice is final, binding, and NON-NEGOTIABLE. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: HI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: OR

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-28 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 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 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 2025-05-28 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 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 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 2025-05-28 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: NY

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6400.00}

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 2025-05-28 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: OR

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: FL

Complaint narrative:
I XXXX drove for XXXX I believe beginning if im not mistaking XXXX, XXXX XXXX but needed to wait to recieve a payfare card in the mail which i recieved sometime that week and the amount of {$280.00} WERE PLACED ON THE XXXX XXXX but the amount for XXXX My earnings for that week in which i made were {$400.00} which i never recieved which i called and explained to XXXX that i hadnt recieved that amount of XXXX i were told to give it a few hours in which i did and still i never recieved the amount so i patiently waited and called the next morning and just got bounce backward and forward with speaking to this and that person i waited and waited yet still no funds were placed on the XXXX XXXX i recieved in the mail i called and called still no funds were placed on the XXXX XXXX  so i prayed and felt they would have corrected it before my next pay then from XXXX i made the amount of {$280.00} which again never got posted to my XXXX XXXX again i called and called and got tossed backward and forward without any positive resort of recieving my earnings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
This situation has been beyond frustrating. I suddenly discovered a debt that has nothing to do with meunverified and completely unfamiliar. Since then, Ive been harassed across multiple platforms, even threatened with legal action over something I never owed. As a law-abiding citizen, this is deeply insulting and a blatant violation of my rights. Its taking a serious toll on my mental health, and Ive lost sleep trying to deal with the stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: OH

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. It's my understanding that Experian Will investigate this account for me to ensure accuracy, but I attempted to dispute this directly and it is still reported unaccurately. This is the account I am asking you to verify as accurate XXXX XXXX XXXX : Account No. 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX Inquiries : 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 2025-05-28 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: NV

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
XXXX XXXX XX/XX/year> Request for Investigation and Blocking of Unauthorized/Inaccurate Information under 15 U.S.C. 1681b and 15 U.S.C. 1681c2 To Whom It May Concern, I am writing to formally dispute certain entries on my credit report and to exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b and 15 U.S.C. 1681c2. 

1. Unauthorized Access to My Credit Report 15 U.S.C. 1681b According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish credit reports under specific permissible purposes. Upon reviewing my credit report, I have noticed inquiries and/or accounts that appear to have been accessed or opened without my authorization and without a permissible purpose under the FCRA. I request a thorough investigation into these entries, and if found to be impermissible, that they be immediately removed from my file. 

2. Block of Information Resulting from Identity Theft 15 U.S.C. 1681c2 In accordance with 15 U.S.C. 1681c2, I am requesting the blocking of information on my credit report that I believe is the result of identity theft. Please find enclosed the following documentation as required : A copy of a valid government-issued photo ID A copy of a utility bill or other proof of address A copy of the identity theft report filed with [ local law enforcement agency or FTC ] A statement identifying the specific items on my credit report resulting from identity theft Please block the fraudulent information and notify the furnishers of this information as required by law. I also request a written confirmation of the actions taken as a result of this request. 

Under the FCRA, you are required to act on this request within four business days of receiving proper documentation. I expect full compliance and timely resolution of this matter. If you require any additional information, please contact me in writing at the address above. 

Thank you for your attention to this urgent 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Person contacted me saying my family member had went before the judge that morning & he would have probation, a fine, and he needed a deposit for an ankle monitor before he would be released. This person had names and phone numbers of family members and knew personal information related to my son 's arrest and not of public record. The caller ID read the correct County Sherrif 's Department with the correct number, where my son was incarcerated. It was a SCAM!! I'm out XXXX. 
I contacted my bank & Zelle immediately after the transaction, but have not received a response from either. The incident took place XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I believe that the debt that is reported on my credit report is not valid.

Company response to consumer: Closed with explanation