vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: WA

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported on my credit file. Let me be absolutely clear : I did not open this account, I did not authorize it, and it is the result of unauthorized or fraudulent use of my identity. 

This is identity theftplain and simple. I have no connection to this account, no knowledge of the application, and never gave anyone permission to use my personal information to open it. The presence of this account is not only false, but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information in my credit report be accurate, verifiable, and reported with a permissible purpose. 

The continued reporting of this fraudulent account is causing serious damage to my credit standing and personal peace of mind. It is unacceptable that I should bear the consequences of someone elses criminal actions.

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 2025-06-30 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: LA

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding a collection account listed under my name : Creditor Name XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Balance : {$440.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX This item is being reported without proper verification or documentation, and violates multiple provisions under federal law : 1. No Original Contract or Chain of Title : As a debt buyer, Portfolio Recovery is required under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ) to provide complete documentation validating their right to report and collect this debt. No such documentation has been provided. 


2. Incomplete Reporting : The report lacks original creditor identification, detailed payment history, and last activity date rendering it legally incomplete and unverifiable under 15 U.S.C. 1681e ( b ).

3. Unlawful Reporting of Unverified Information : If Experian continues to report this unverifiable item, it constitutes a violation of 15 U.S.C. 1681i ( a ) ( 5 ).

As such, I am demanding this account be immediately removed from my Experian credit report. If the account can not be fully verified with documentation ( not mere electronic confirmation ), it must be permanently deleted within 30 days, per FCRA requirements.

Failure to remove this account will result in complaints to the CFPB, the FTC, and a potential lawsuit for damages under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group
State: FL

Complaint narrative:
I received a call from this company, and I advised the caller that I did not receive my letter containing my rights on disputing all or a portion of the debt. The agent informed me that, since there was no mail return on file, they are assuming I received the letter. I only received phone calls from this company, Revenue Group, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. I have also utilized their website to submit a dispute and request a callback, but have heard nothing from them. I call their number XXXX and get hung up on each time. I'm not sure if they want to get paid, which is what I'm trying to do, but I'm having trouble getting in contact with anyone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CBC Companies, Inc.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
There are inquiries on my credit report that I do not recognize. I did not apply to these companies, nor did I authorize them to access my credit file. This is a clear violation of my consumer rightsrights that I expect to be protected, especially during an already stressful time in my life.

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 2025-06-30 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. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$11000.00} INQUIRIES : XXXX XX/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 2025-06-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
Payment plan made with myself and XXXX XXXX XXXX XXXX in the Amount of {$50.00} every two weeks. It later switch to {$50.00} every month. Reasons I was in and out of finding work. XXXX XXXX XXXX XXXX said they could accommodate me by stopping the payments and to simply let them now when I had find work to give them a call so they could start back up on my payment plan. The amount I owed was {$5000.00} but it had drop because I was making the payments up until I had lost work, my last payment was before XX/XX/year>. Later I was released from my job which I notified them. They told me they could assist me by stopping the payment until I had found work. It took six months for me to find work, they ended up selling my debt to the collection name WILLIAMS XXXX & ASSOCI. Now My credit score has severely been drop and Im just looking to dispute this collection because im no longer paying XXXX XXXX driving school who I originally owed and was at the time in a payment planned with.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: WA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-30 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: WA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
They removed off my report and then added it back Under the fair credit reporting act ( fcra ), specifically 611 ( 15 u.s.c 1681i, I have the right to dispute in accurate or obsolete items.I 've submitted a dispute to the credit bureaus and /or the lender, but the issue remains unresolved

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK
State: CA

Complaint narrative:
They removed off my report and then added it back Under the fair credit reporting act ( fcra ), specifically 611 ( 15 u.s.c 1681i, I have the right to dispute in accurate or obsolete items.I 've submitted a dispute to the credit bureaus and /or the lender, but the issue remains unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AZ

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

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 2025-06-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for IRS Form XXXX ( Cancellation of Debt ) Account Number : XXXX To Whom It May Concern, I am writing to request a copy of IRS Form 1099-C associated with the above-referenced account. If XXXX has canceled or forgiven any portion of this debt in accordance with IRS regulations, I understand you are required to issue Form 1099-C to both the IRS and the borrower.As of today, I have not received this document. Please send a copy of the 1099-C to the address listed above, or notify me if the form has not been issued and the account does not meet the reporting requirements.This request is time-sensitive, and I would appreciate your prompt attention in providing the necessary documentation for my tax records.Thank you for your cooperation.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 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery is trying to collect an amount of a debt that is 7 times more than what i owed to the previous debt collector company XXXX. 

Radius Reference # : XXXX I have reached out to Portfolio Recovery about this matter and they refuse to provide supporting documents that ive requested about the amount owed and for what they purchased the debt for from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

1681c-2 ) that you, the Equifax Information 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
I am disputing inaccurate and unverifiable negative accounts on my Experian credit report dated XX/XX/XXXX. These entries violate the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681e ( b ), 1681i ( a ) ) and Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ).

Collection Accounts ( unverified, possibly duplicate reporting ) : XXXX XXXX XXXX  ( Acct # ending XXXX ) : {$640.00} XXXX XXXX XXXX ( Acct # ending XXXX ) : {$720.00} XXXX  XXXX XXXX ( Acct # ending XXXX ) : {$630.00} Issues : Possible duplicate reporting of same original creditor ( XXXX XXXX XXXX  XXXX. ) No evidence of chain of title or validation Failure to note consumer dispute Charge-off Accounts ( incomplete or incorrect ) : XXXX  XXXX ( Acct # ending XXXX ) : {$1300.00} XXXX  XXXX ( Acct # ending XXXX ) : {$700.00} XXXX XXXX  : {$9000.00} ( written off ) XXXX XXXX XXXX XXXX  : {$490.00} XXXX : {$500.00} Issues : Inconsistent or stale status dates Incomplete balance and charge-off validation Open Accounts with Severe Lates ( potentially misleading ) : XXXX XXXX ( opened XXXX and XXXX ) : {$33000.00} and {$4600.00} Issues : Reporting repeated severe lates despite no payments since XXXX Potentially outdated or misleading balance reporting Legal basis for dispute : FCRA 1681e ( b ) : Inaccuracy and incompleteness FCRA 1681i ( a ) : Items unverifiable must be deleted FDCPA 1692g ( b ) : No debt validation provided Requested Resolution : Full reinvestigation of all listed accounts Immediate deletion of unverifiable, inaccurate, and duplicate negative items Proper notation of disputed by consumer on all accounts I am a single mother seeking to rebuild credit for a checking account. These entries unfairly damage my credit score and violate federal 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 non-monetary relief
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
I am disputing inaccurate and unverifiable negative accounts on my Experian credit report dated XX/XX/XXXX. These entries violate the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681e ( b ), 1681i ( a ) ) and Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ).

Collection Accounts ( unverified, possibly duplicate reporting ) : XXXX XXXX XXXX  ( Acct # ending XXXX ) : {$640.00} XXXX XXXX XXXX ( Acct # ending XXXX ) : {$720.00} XXXX  XXXX XXXX ( Acct # ending XXXX ) : {$630.00} Issues : Possible duplicate reporting of same original creditor ( XXXX XXXX XXXX  XXXX. ) No evidence of chain of title or validation Failure to note consumer dispute Charge-off Accounts ( incomplete or incorrect ) : XXXX  XXXX ( Acct # ending XXXX ) : {$1300.00} XXXX  XXXX ( Acct # ending XXXX ) : {$700.00} XXXX XXXX  : {$9000.00} ( written off ) XXXX XXXX XXXX XXXX  : {$490.00} XXXX : {$500.00} Issues : Inconsistent or stale status dates Incomplete balance and charge-off validation Open Accounts with Severe Lates ( potentially misleading ) : XXXX XXXX ( opened XXXX and XXXX ) : {$33000.00} and {$4600.00} Issues : Reporting repeated severe lates despite no payments since XXXX Potentially outdated or misleading balance reporting Legal basis for dispute : FCRA 1681e ( b ) : Inaccuracy and incompleteness FCRA 1681i ( a ) : Items unverifiable must be deleted FDCPA 1692g ( b ) : No debt validation provided Requested Resolution : Full reinvestigation of all listed accounts Immediate deletion of unverifiable, inaccurate, and duplicate negative items Proper notation of disputed by consumer on all accounts I am a single mother seeking to rebuild credit for a checking account. These entries unfairly damage my credit score and violate federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
My mother called me this morning ( XX/XX/year>, XXXX MST ) to inform me that a collection company ( Midland Credit Management ) has been reaching out to her " for the last month or two '' to which she finally answered the phone call attempts to see who it was, they then said to my mother " We are looking for XXXX XXXX XXXX is this XXXX XXXX '' to which my mother replied no and inquired about the reason for the call to which they replied, " We are debt collection agency and we are trying to resolve debt with her past due account for a furniture company. '' I then immediately called Midland Credit Management at XXXX XXXX at ( XXXX ) XXXX and spoke to XXXX XXXX ( spelled as phonetically accurate as she did not spell her name ) with my formal complaint.

1 ) They have completely viola
ted my HIPAA rights by not only contacting someone other than myself BUT also sharing the information regarding my account to someone who is not authorized to know a single thing about the debt.

2 ) They stated they had the right to call anyone to get in contact with me. This is also not accurate as this is a complete violation of my privacy. They can absolutely see who they are calling to get ahold of me and which numbers do NOT belong to my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift 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