vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have experienced non-stop calls since XXXX, XXXX to collect a debt from Portfolio Recovery on a XXXX XXXX credit card that had been paid in full when I retired in XXXX. I asked for a copy of the bill and where the charge originated. The info they sent are all interest charges now amounting to {$520.00}. I did reach a helpful agent after receiving a letter. She told me it seems the charges are invalid, mentioned a possible fraudulent charge from Minnesota and also mentioned charges from XXXX. The agent told me she was going to dispute these charges with Portfolio and would send me copies in the mail. I have not received anything. I mailed a certified letter on XX/XX/XXXX that requires signature and have not received a response. Portfolio has reported me to all major credit reporting agencies, with no proof of the charges or any information sent as I requested to prove. The reporting by Portfolio has resulted with my credit dropping from the high XXXX 's to now mid XXXX 's, affecting the purchase of a car, my mortgage and my life in general as I retired in XXXX. I have been called non-stop, and now this company has ruined my credit without any valid proof of these charges to date. I feel at this point that an attorney is needed to stop this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
Consumer Collection Management is attempting to collect a {$950.00} debt related to a lease at XXXX XXXX. I sent a written debt validation request in XX/XX/year>2025. On XX/XX/XXXX, the company acknowledged the request and stated they would verify the debt with the original creditor within 30 days. As of XX/XX/XXXX, no documentation has been provided to me. 

I disputed this through TransUnion on the same day I contacted them through an email. Despite this, they continued reporting the debt to TransUnion, which now shows the account as verified with no supporting validation sent to me. This violates the Fair Debt Collection Practices Act and Fair Credit Reporting Act. I am requesting that this account be removed from my credit report and that the company be held accountable for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
The debt collector in question has reported a debt in my credit report for an amount exceeding {$700.00}, which has lowered my credit score by over XXXX points. I believe it is a duplicate of a debt from XXXX ( beyond the legal allowance in Oklahoma  for debt collection ) that was paid from a car accident at the time. Of course, I have no records from that time, as it was almost 10 years ago. The collection agency lists their name as " Credit Management Company '', their phone number links them to an now permanently closed " XXXX XXXX XXXX '' group in Texas. The debt was placed on my credit report a few months ago, and I disputed it as not my debt. It has now returned. I've had no calls or letters from them. At the previous event, I requested verification of the debt and received nothing from them. This time, I called them and was told " there is nothing we can do for you, '' and I was placed on an indefinite hold. Everyone I spoke to had very thick accents, and it was difficult to understand what they were saying. I believe the collection agency to be a " Ghost collection '' or debt collection fraud group.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
I am a veteran and XXXX XXXX whose federal student loans are serviced by MOHELA. They reported late payments for XXXX, XXXX, and XX/XX/XXXX  to the credit bureaus, which I believe are unfair and inaccurate due to MOHELAs own communication failures. 

I was never directly notified that repayment had resumed after the federal pause. MOHELA repeatedly called my motherwho is not on the loaninstead of contacting me. When I realized there might be an issue, I attempted to regain access to my account but was unable to reach anyone. I called multiple times and held for over an hour each time without speaking to a representative. This left me unable to make payments because I didnt know I owed anything and couldnt get into my account to verify or act. 

Once I gained access, I resumed payments and brought the accounts current immediately. Despite this, MOHELA reported the lates to the credit bureaus, causing my credit score to drop significantly. I attempted to resolve this through the dispute process with XXXX, but was limited to 200 characters and couldnt fully explain the situation. MOHELA also told me they do not offer goodwill adjustments. 

Im asking the CFPB to help remove the XXXX XXXX  late marks from my credit report due to MOHELAs miscommunication and unresponsiveness, which prevented me from addressing the issue in a timely manner.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and discovered a collection account from XXXX ( Original Creditor : XXXX XXXX  XXXX ) with a balance of {$1600.00}, marked as a charge-off and noted as Placed for collection as of XX/XX/year>. 

I do not recall opening or authorizing this account, nor have I received any documentation validating the existence of this debt. There is no signed agreement, no billing history, and no evidence proving the debt is legitimate or belongs to me. 

In addition, the account contains missing and inaccurate reporting details : No monthly payment, credit limit, or repayment timeline No supporting documents to justify charge-off or collection status No proof of verified ownership or liability This appears to be an unverified and potentially inaccurate entry, which violates my rights under the Fair Credit Reporting Act : FCRA 611 Right to reinvestigation of disputed information FCRA 623 Obligation of data furnishers to report accurately and with verification FCRA 602 ( A ) Duty of credit bureaus to ensure maximum possible 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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year>2025 wrote to XXXX  I disputed the accuracy and completeness of certain accounts on my credit file, under the Fair Credit Reporting Act ( FCRA ). In response, I received an update showing that descriptors were changed, but I did not receive any legal documentation, verification of debt, chain of title, or date of first delinquency for any of the disputed accounts. 

The FCRA requires a reinvestigation and validation of all relevant documentation if the dispute involves accuracy or identity. Merely changing the descriptor does not meet the burden of verification. 

XXXX  failed to provide documentation, and the accounts remain, which you believe is a violation of FCRA ( 15 U.S. Code 1681i )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>2025, I reviewed my TransUnion credit report and found a collection account from XXXX  ( Original Creditor : XXXX  ) showing a balance of {$180.00}. It is marked as Collection/Chargeoff and labeled Placed for collection as of XX/XX/scrub>, 2025. 

I do not recall authorizing or entering into any agreement with XXXX or XXXX. I have not received any verification, signed contract, or account documentation that proves the account belongs to me or was lawfully initiated. 

Furthermore, the account reporting contains incomplete and unverified data, such as : No monthly payment, credit limit, or repayment terms No documented activity or billing history A charge-off status applied without supporting validation These deficiencies violate the Fair Credit Reporting Act : FCRA 611 My right to request a reinvestigation FCRA 623 The furnishers duty to report verified, accurate information FCRA 602 ( A ) TransUnions responsibility to maintain maximum possible 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and found a collection account from XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) with a balance of {$840.00}, listed as a charge-off and marked Placed for collection as of XX/XX/year>. 

I do not recognize or recall opening this account. I have not received any original documentation from XXXX XXXX or XXXX XXXX validating the debt. No signed agreement, billing history, or evidence has been presented to prove the account is valid or belongs to me. 

The reporting also includes missing or incomplete details : No credit limit or monthly payment info No itemized charges, due dates, or contractual history No verified support for charge-off status These issues violate the Fair Credit Reporting Act, including : FCRA 611 Right to dispute and reinvestigation FCRA 623 Accuracy and verification requirements for furnishers FCRA 602 ( A ) Obligation for maximum possible 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 2025-07-26 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: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to TransUnion notifying them of the reinsertion of XXXX account number XXXXXXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: MA

Complaint narrative:
Opened an online account on XX/XX/year> with a direct deposit of my paycheck and was supposed to receive a {$200.00} bonus with in 5 days after. Never received it.

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Im writing CFPB in regard to my rights as a consumer. Ive been writing and calling every credit bureau and company trying to address the adverse credit on my credit. Per 15 USC 1681B the credit bureaus are violating my rights. Ive sent my identification and Social Security number with my address above to XXXX XXXX, XXXX, and XXXX. I have no power on their end to correct my credit. I have been trying to do this since XX/XX/scrub> 2023. I get automatic responses by email and have received some mail. Ive called XXXX XXXX, and XXXX, and they all had the same response. Their process is looking a credit reports and not calling or contacting the companies to investigate one at a time. They all have blatantly ignored my rights as a consumer. Nothing has been deleted at all. XXXX  responds only once, via email, and XXXX  responds via mail and an automatic response. XXXX XXXX responded once as well. I have requested that all companies listed on my credit bureaus respond, and I will be emailing a few responses as part of a complaint. Some companies have charged off, and I have responded to the following companies : XXXX, XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX. No prevail in getting any kind of debt validation and trying to be taken to court. A creditors contacted me after sending a cease and desist letter. Please investigate and have these debts removed from my credit reports immediately, per my rights. I appreciate your time in this matter, thank you.

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 2025-07-26 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: FL

Complaint narrative:
Creditor/Collection Agency : TekCollect I have never been notified by TekCollect or by any original creditor that I owed any balance. I have not received any letters, emails, or phone calls regarding this alleged debt of XXXX that was placed on my account XX/XX/year>. This account appeared on my credit report without any prior communication or validation. 

Additionally, TekCollect has a poor standing based on public reviews and numerous complaints filed with the XXXX XXXX XXXX regarding similar practices of placing unverified accounts into collections. 

Because I have never been informed of this debt and have not been provided with any validation, I am requesting : Immediate removal of this account from my credit file with XXXX, XXXX, and XXXX. 

A validation letter detailing what this account is for, including the name of the original creditor, the alleged amount, and supporting documentation proving that I am responsible for this debt. 

Under the Fair Credit Reporting Act, I have the right to request verification of any debt reported on my credit file. If TekCollect can not provide proper validation, this item must be deleted from all three credit bureaus. 

Please investigate this matter and provide me with written confirmation of the results. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I kindly request your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In accordance with USC 1681g, I am formally requesting their removal within 15 days. All supporting documents have been included for your review. Furthermore, the information being reported is inconsistent and differs across the major credit reporting agencies.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AK

Complaint narrative:
There are two loans on my account that are in default. The rest are all in good standing. The reason for default is allegedly not being able to contact me even though its the only two accounts unable to reach me. My address, phone number and email have always been updated on the US Department of education website. These loans are from over 20 years ago and this is the first I am hearing about them. The US Department of Education states that all loan information can be obtained on their studentaid.gov website. 13 years ago I applied for an income driven repayment plan and have made on time payments ever since. I was under the assumption that all my loans were covered under this program because they all showed in repayment and never in default. I do not know how loans that I never knew about can show up as defaulted upon after 22 years. This is a malicious practice and has effectively ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
There are two loans on my account that are in default. The rest are all in good standing. The reason for default is allegedly not being able to contact me even though its the only two accounts unable to reach me. My address, phone number and email have always been updated on the US Department of education website. These loans are from over 20 years ago and this is the first I am hearing about them. The US Department of Education states that all loan information can be obtained on their studentaid.gov website. 13 years ago I applied for an income driven repayment plan and have made on time payments ever since. I was under the assumption that all my loans were covered under this program because they all showed in repayment and never in default. I do not know how loans that I never knew about can show up as defaulted upon after 22 years. This is a malicious practice and has effectively ruined my credit.

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