vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I formally request that you provide validation of this debt. Specifically, I require the following documentation and information to verify the validity of this claim : 1. A detailed payment history : Please provide a comprehensive record of all payments made by me on this account, including dates, amounts, and methods of payment. 
2. Original signed agreement : I request a copy of the signed agreement or contract that I allegedly entered into, which legally obligates me to pay this debt. 
3. Insurance claims : Please disclose whether any insurance claims have been filed related to this alleged debt and, if so, provide the details. 
4. Chain of title : Supply all documentation proving that Jefferson Capital Systems has the legal authority to collect on this debt. This should include evidence of the chain of title, showing how and when the debt was transferred or sold to your company. 
Until these documents are provided, and the debt is validated in accordance with federal law, I ask that all collection activities, including reporting to any credit bureau, cease immediately. 
Please note that failure to comply with this request constitutes a violation of the FDCPA. Should I not receive the requested validation within 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General 's office, or other applicable authorities. 
I expect your prompt attention to this matter. Please confirm receipt of this request and provide the required documents at the earliest opportunity. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am filing a complaint against Uplift , Inc. for improper debt handling, inaccurate credit reporting, and potential violations of the Fair Credit Reporting Act ( FCRA ).

This installment loan was sold, reassigned, or transferred, and I was never properly notified or given documentation of the transfer. However, Uplift continues to report delinquency and a charge-off, even though they may no longer own the debt.

Additionally, I have disputed this account with the credit bureaus, and Uplift has failed to provide full validation that they still have legal rights to report or collect on this debt.

Under the FCRA, Uplift is responsible for ensuring that my credit report reflects only accurate and legally verified information. Since this account was sold or reassigned, they must either provide full documentation proving ownership or remove the charge-off immediately.

I request that the CFPB investigate the following : 1 Whether Uplift can legally verify that they still own this debt.

2 Whether they followed proper procedures when selling or transferring this account.

3 Whether this account should be removed from my credit report if it can not be properly verified. 

This is a violation of my consumer rights, and I request immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MO

Complaint narrative:
I had a debt with XXXX XXXX that was sold to Portfolio Recovery services. I paid this debt off and according to their own website, PRA states that they will delete the debt once paid from all CRA. However the last update on my credit report only shows that the debt balance has changed to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently discovered that my personal informationincluding my full name, Social Security number, and date of birthwas exposed in multiple data breaches. As a result, I have been experiencing ongoing fraud issues, including unauthorized activity on my credit report, frequent fraud alerts, and repeated account freezes. I do not recognize several accounts, inquiries, and other transactions reported in my credit history. I have not authorized any new credit applications, yet my credit file has been accessed multiple times. I have taken steps to protect myself by freezing my credit and placing fraud alerts, but the fraudulent activity continues. I have placed fraud alerts on my credit reports. I have frozen my credit to prevent unauthorized access. I have attempted to dispute unknown accounts directly with the credit bureaus, but the process has been challenging without direct documentation. I am reporting this issue to the CFPB because I need assistance in ensuring that fraudulent accounts and inquiries are removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently discovered that my personal informationincluding my full name, Social Security number, and date of birthwas exposed in multiple data breaches. As a result, I have been experiencing ongoing fraud issues, including unauthorized activity on my credit report, frequent fraud alerts, and repeated account freezes. I do not recognize several accounts, inquiries, and other transactions reported in my credit history. I have not authorized any new credit applications, yet my credit file has been accessed multiple times. I have taken steps to protect myself by freezing my credit and placing fraud alerts, but the fraudulent activity continues. I have placed fraud alerts on my credit reports. I have frozen my credit to prevent unauthorized access. I have attempted to dispute unknown accounts directly with the credit bureaus, but the process has been challenging without direct documentation. I am reporting this issue to the CFPB because I need assistance in ensuring that fraudulent accounts and inquiries are removed from my credit report.

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 2025-03-16 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I have tried to settle this matter with Fair Collection & Outsourcing several times. Fair Collection & Outsourcing has used false and misleading information to try to course the consumer into paying an allege debt by harming my credit without providing and evidence under penalties of perjury to avoid the risk of fraud. They have violated my rights under the Fair Debt collection act and reporting debt illegally and unlawful. I sent a debt validation letter XXXX XXXX notice XXXX third notice XXXX and fourth notice XXXX. Fair Collection & Outsourcing has provided documents from other entities that they can not sign and verify as 100 % true and correct a violation of the Fair Credit reporting Act.

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 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Fair Resolution : 1. Correction of Reported Information : The account with XXXX ( Account Number : XXXX ) shows a charged off as bad debt status from XX/XX/year>, with a balance of {$0.00} at that time. I request that the balance and status be reviewed and verified to ensure that all information is correctly reported. Specifically, the final balance at the time of charge-off and whether it has been settled or paid off should be accurately reflected.

2. Verification of Charge-Off and Transfer : The account was marked as charged off in XX/XX/year> and reported as purchased by another lender. I request confirmation that the charge-off was valid and that the account transfer to a new lender was appropriately documented. If there are any discrepancies in the amount charged off or the account balance, they should be updated accordingly.

3. Update to Paid/Settled Status ( if applicable ) : If the charge-off amount has been settled or paid off, I request that the account be updated to reflect that it was paid in full or settled. This should be reflected in the credit report as either paid off or settled for less than owed, whichever is applicable.

4. Removal of Negative Impact ( if applicable ) : If the account contains any inaccuracies, such as incorrect charge-o
ff dates, amounts, or status, I request that these inaccuracies be corrected or removed from my TransUnion Credit Report . If the charge-off status is incorrect or the account was inaccurately reported, I request that it be updated to show the correct standing.

5. Updated Credit Report : Once the necessary corrections have been made, I request that TransUnion provide me with an updated credit report reflecting the correct status and balance of the XXXX account. This updated report should accurately show the current state of the account, including whether it was settled, paid off, or remains a charge-off. 
6. Written Confirmation : I request written confirmation from both XXXX and TransUnion once the corrections have been made. The confirmation should include a detailed explanation of the changes and a copy of the updated credit report. 
7. Compensation for Damages ( if applicable ) : If this charge-off or any inaccuracies have caused damage to my credit score, denied credit, or unfavorable terms, I request compensation for any damages resulting from the inaccurate reporting.

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 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have disputed these accounts on my credit and asked for verification of debt with no such verification provided from the collection agency. As of today, I have not received a response with proper validation of this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, they are required to provide proper verification before continuing collection efforts. If unable to verify this debt, they must cease all collection activity and remove any negative reporting related to this debt from my credit report.

If they have sent validation and I have not received it, I ask that they please provide it again. Otherwise, I expect them to comply with the law and cease further att
empts to collect. If they fail to respond, I will escalate this matter by filing complaints with my state 's Attorney Generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
On Wed XX/XX/2023, I opened a secured discover credit card with {$1100.00} dollars from my savings. Shortly after on Sun, XX/XX/2023, the account was closed unexpectedly without reason and I never got a refund for my {$1100.00} dollars I used to open the secured credit card. I made positive payments and never did anything wrong, nor did I get a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries on my credit report. I did not authorize the following companies to access my credit, and I request that these inquiries be removed immediately : Capital One Bank XXXX XXXX XXXX Cap One Via Dealer As a consumer, I have the right to dispute any unauthorized transactions or credit inquiries. Since I did not provide consent for these companies to pull my credit, I am requesting their removal from my credit report. 

Please investigate this matter and take the necessary steps to correct my credit file. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had to have an attorney file bankruptcy on my behalf due to unforseen circumstances. My bankruptcy petition was filed on XX/XX/XXXX. All creditors were promptly notified and all creditors except Synchrony ceased collection efforts. I have three store cards through Synchrony ( XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ) and they continue to send payment reminders, allow login to the online portal and state that payment is due soon on each account. I have tried to contact them through the chat feature but it was not working properly. I would like for them to stop collection efforts.

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 2025-03-16 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: CA

Complaint narrative:
it has many incorrect information which doesn't belong to me. I do not have any ideas about them. I will list them below For address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, For Name : XXXX XXXX XXXX XXXX XXXX XXXX 

For hard Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX For bank account XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX on 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 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Fair Resolution : 1. Correction of Reported Information : The account with XXXX  XXXX  ( Account Number : XXXX ) is listed as a charged off as bad debt status in XX/XX/year> with a balance of {$600.00}. The credit report also reflects a credit usage of 121 %, which may indicate an over-the-limit balance. I request that this information be verified and updated to ensure the balance and status accurately reflect the actual standing of the account, especially regarding whether the account has been settled or paid off.

2. Verification of Charge-Off : The account was marked as charged off in XX/XX/year>. If the charge-off is valid, I request confirmation that the charge-off was properly recorded and that XXXX ( the creditor ) correctly reported the final balance and payment status. If any payments or settlements occurred after the charge-off, the account should be updated to reflect this. 
3.

Update to Paid/Settled Status ( if applicable ) : If the account has been settled or paid off after the charge-off, I request that the account status be updated to reflect that the account was paid or settled. This should be reflected as paid in full or settled for less than owed in the credit report.

4. Removal of Negative Impact ( if applicable ) : If any inaccurate or outdated information is affecting my credit report, such as an incorrect charge-off date, balance, or status, I request that these be corrected or removed. If the account is still incorrectly marked as a charge-off or has any inaccuracies in the reporting, I request these errors be corrected.

5. Updated Credit Report : Once the necessary corrections have been made, I request that TransUnion provide me with an updated credit report showing the correct status of the XXXX XXXX account. The report should accurately reflect any payments or settlements made after the charge-off. 
6. Written Confirmation : I request written confirmation from both XXXX XXXX and TransUnion once the updates have been made. The confirmation should include a detailed explanation of any changes made and a copy of the updated credit report. 
7. Compensation for Damages ( if applicable ) : If this charge-off or any inaccuracies have negatively affected my credit score, led to denied credit, or resulted in unfavorable terms, I request compensation for any resulting damages.

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 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Fair Resolution : 1. Correction of Reported Information : The account with XXXX  ( Account Number : XXXX ) shows a charged off as bad debt status from XX/XX/year>, with a balance of {$3500.00} at that time. The account also shows a {$0.00} balance in XX/XX/year> but indicates a profit and loss write-off. I request that the account status be verified to ensure it accurately reflects any settlement, payment, or charge-off status. 
2. Verification of Charge-Off : The account was charged off in XX/XX/year>, and the balance should be updated if a settlement or payment was made after the charge-off. If the account was fully settled, the report should reflect the date of settlement and final payment amount. 
3. Accurate Reporting of Balance and Status : If the account was paid off after the charge-off, I request that XXXX  and TransUnion update the status to show paid in full or settled. If the charge-off is accurate, the information should reflect the correct balance and status as charged off.

4. Removal of Negative Impact : If there is any inaccurate reporting of the balance, status, or charge-off date, I request that these inaccuracies be removed from my credit report. If this was a reporting error, the incorrect charge-off mark and any negative impact should be corrected.

5. Updated Credit Report : Once the corrections have been made, I request TransUnion to provide an updated copy of my credit report showing the corrected account
status, including whether the account was paid off, settled, or accurately marked as charged off.

6. Written Confirmation : I request written confirmation from both XXXX and TransUnion confirming that the account information has been reviewed, verified, and updated as necessary. This confirmation should include a detailed explanation of the corrections made.

7. Compensation for Damages ( if applicable ) : If this reporting error has negatively impacted my credit score or resulted in denied credit or unfavorable terms, I request compensation for any damages caused by the inaccurate reporting.

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 2025-03-16 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:
I recently reviewed a copy of my credit report and I noticed some fraudulent accounts listed. Please have these accounts removed off my credit report. These accounts I do not recognize, nor do I give consent to any 3rd party companies.

Company response to consumer: Closed with explanation