vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XXXX XX/XX/year> Portfolio Recovery RE : Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, This letter is a formal request for validation of an alleged debt that your office claims I owe. I have been informed that your agency is now attempting to collect on this account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, to request full validation and documentation of ; I am requesting validation of the debt as required by federal law. Until you provide the requested documentation, you must cease all collection activities, including reporting this debt to credit reporting agencies or pursuing legal action. 
I am specifically requesting the following : A complete payment history, including : The original amount of the debt All payments made All fees and interest applied to the account How the balance you claim is due was calculated A copy of the original signed contract or agreement which includes my wet signature, proving that I agreed to the terms and the debt. 
Proof that you have the legal authority to collect this debt, including a full chain of title and assignment documents from the original creditor through any subsequent debt buyers. 
Details of any insurance claim or settlement associated with this account ( e.g., debt cancellation, credit insurance, or any third-party payoffs related to this alleged debt ). 
Documentation that proves you are the current creditor or a legally authorized agent of the creditor, licensed to collect debts in my state ( Texas ] ). 
If there is a judgment, I request a copy of the judgment, including the name of the court and the date it was entered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Debt Collector : Sunrise Credit Service Account Number ( partial ) : XXXX Original Creditor : [ Not provided by collector ] Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account {$650.00} past due as of XX/XX/XXXX Status Update : XX/XX/XXXX Balance : {$650.00} Balance Updated : XX/XX/XXXX Original Balance : {$520.00} Payoff : 0 % Past Due : {$650.00} Responsibility : Individual Complaint Statement : I am disputing a collection account being reported by Sunrise Credit Service. The account was allegedly opened on XX/XX/XXXX, with an original balance of {$520.00}. The balance has increased to {$650.00} as of XX/XX/XXXX, but no clear explanation of fees, interest, or charges has been provided. Sunrise Credit Service has not supplied me with the name of the original creditor or documentation validating this account. 

I requested validation of the debt, including the original signed agreement, itemized accounting, and proof of authorization to collect. To date, this information has not been provided. Despite the lack of validation, the company continues to report this debt to the credit bureaus, which is inaccurate and harmful to my credit. 

I am requesting that Sunrise Credit Service provide full validation of this debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), or immediately remove this account from all 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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
I have a cashapp account and Ive been charge multiple times from company I have no idea about and Ive already submitted disputes. The company is called XXXX and Ive been charge multiple times. It is around {$380.00}. Ive never had this issue before with cash app. Ive had cash app for a while now. It started with XX/XX/year> all the way up to today XX/XX/year>. There are XXXX transactions from this company that are {$20.00} each totaling to {$380.00}. I did not authorize any of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a XXXX XXXX account that is being inaccurately reported on my credit report. This account is the result of identity theft and does not belong to me. 

I contacted the creditor ( XXXX XXXX ) directly, and they provided me with the account information. Following that, I immediately filed an FTC Identity Theft Report ( attached to this complaint ) confirming the fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, once a consumer submits an Identity Theft Report, the credit reporting agencies are required to block the fraudulent account from appearing on the consumers credit report within 4 business days.

Despite providing this documentation, the account attributed to XXXX XXXX ( email : XXXX and phone : XXXX ) remains on my credit file. This continued reporting is causing me harm, distress, and is a clear violation of my rights under the FCRA.

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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital auto allowed an false account to be reported to my credit in the amount of XXXX This auto was never signed by me nor did I ever purchase a car Subject : Inaccurate Capital One Account Reporting Across All Bureaus Body : I am disputing the Capital One account [ insert account number ] appearing on my XXXX, XXXX, and XXXX  reports. Capital One is reporting inconsistent dates of first delinquency and balances across the XXXX bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the right to verification. Capital One has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ND

Complaint narrative:
I opened a checking account with US Bank and received my debit card, but it was immediately blocked and flagged for fraud, right upon making the first transaction. On XX/XX/2025, I contacted customer service multiple times, and finally reached an agent who told me to submit my college transcript and student ID to their email at the fraud department to verify my identity. I was told it would be reviewed and unblocked in XXXX days. 

That same day, I visited the branch in person. The teller scanned my passport and student ID, and sent it somewhere - presumably to that same email. Once again, I was told my account would be unblocked in XXXX days. 

As of today, XX/XX/2025, it has been a week - well past those XXXX days. So I contacted customer service again. The teller on the phone lied to me saying she unblocked my account, but when I attempted a transaction just XXXX minutes later, it was rejected. After calling them again, I was transferred to XXXX different departments, and they all confirmed my account is still frozen. But none of them let me talk to their fraud department or to the people in charge of that email. 

As of today, I have run out of cash. My groceries are nearly over- which means I will soon be out of food. This account freeze is causing immediate hardship, and the bank has provided misleading information while failing to resolve the issue.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-09-17 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal.

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 2025-09-17 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: IL

Complaint narrative:
Update current address. 15 USC 1681 ( 4 ) says that they have an obligation to only report accurate and relevant information. There is no way to update or dispute address changes. I need this done Immediately. Here are a copy of my current ID and Proof of address attached. Thank you for getting this information to them far a faster result

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am submitting this complaint regarding an unresolved debt reporting issue. The collectors response to my prior dispute complaint Id # XXXX failed to satisfy the requirements of 15 U.S.C. 1692g ( b ) ( FDCPA ) for proper debt validation. The only documentation provided was a billing statement, which does not establish legal obligation or ownership.

Proper validation requires : A copy of the signed credit agreement or original contract proving I am legally obligated for this account, A complete chain of title or purchase agreement establishing the collectors legal right to collect, An itemized accounting of the balance, including principal, interest, and fees.

Without these documents, the collector has not met the validation requirement. Continuing to furnish this account to credit reporting agencies without proper validation may constitute a violation of 15 U.S.C. 1692e ( 8 ) ( FDCPA ) and 15 U.S.C. 1681s-2 ( a ) ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: PA

Complaint narrative:
b'Upon reviewing my consumer reports, I discovered some instances of late payments with an account I have always maintained timely payments. Consumer reporting agencies play a big role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I request a thorough investigation into these discrepancies and urge you to show proof with evidence or i demand that this be updated to the true status of on-time'

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 2025-09-17 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: FL

Complaint narrative:
This is now my third attempt to resolve serious inaccuracies on my credit report, and I am again forced to exercise my rights under the Fair Credit Reporting Act. Despite my prior disputes, the same accounts remain reported in a manner that is misleading, incomplete, and harmful to my creditworthiness.

One of the issues involves a charge-off accounts with XXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX showing a balance of {$5800.00} XXXX XXXX  This item, like the others I will mention, is being reported without the issuance of a 1099-C even though the alleged debt is above {$600.00}. In addition, there are other charge-off accounts including XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$3700.00}, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6200.00}, and XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2500.00} * *. The absence of a 1099-C for each of these debts places the reporting in direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which mandates maximum accuracy in reporting. Without the legally required documentation, these accounts can not be verified and must be removed.

I have also found inquiries reported on my file that I never authorized and which continue to appear despite previous disputes. These include XXXX on XXXX and XXXX on XXXX. These inquiries do not reflect any permissible purpose under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and are clear violations of FCRA 619 15 U.S.C. 1681q and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit access or use of consumer reports under false pretenses or without consent.

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 2025-09-17 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Date Reported XX/XX/year> XXXX XXXX XXXX XXXX Late Date Reported XX/XX/year> XXXX XXXX XXXX XXXX Late Date Reported XX/XX/year> XXXX XXXX XXXX XXXX Late Date Reported XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s- 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a natural person and private individual, XXXX XXXX, appearing in my capacity as Trustee and beneficial owner with a filed FTC Identity Theft Report dated XX/XX/XXXX ( Report No. XXXX ). Despite this, both XXXX, Equifax and XXXX  continue to report inaccurate and erroneous accounts on my consumer files, specifically XXXX, XXXX XXXX and XXXX, which are fraudulent and falsely associated with me. These accounts are being reported as charge-offs, which is not only false but also unlawful. The reporting of charge-offs constitutes the furnishing of income-related information, which IRS publications make clear is reportable for federal tax purposes only not on consumer credit files. Their continued presence is inaccurate, erroneous, misleading, and damaging. Both agencies are also reporting a false telephone number ( XXXX ) as associated with me. This number does not belong to me, and its continued appearance creates material risk of fraud, misidentification, and further harm. On XX/XX/XXXX, the Supreme Court of New York ( XXXX. XXXX XXXX ) signed a Temporary Restraining Order ( TRO ) expressly prohibiting defendants, including XXXX  and XXXX, from furnishing or collecting disputed tradelines. That TRO remains binding following removal to federal court under Fed. R. Civ. P. 81 ( c ) and Granny Goose Foods v. Brotherhood of Teamsters, 415 U.S. 423, 436 ( 1974 ). By continuing to report the XXXX and XXXX accounts, Respondents are in direct violation of a signed TRO. These actions go beyond simple inaccuracies. By attaching tradelines and identifiers to XXXX XXXX, the CRAs are effectively administering my property without authority and trespassing upon the XXXX XXXX XXXX Trusts equitable estate. This constitutes an invasion of trust property and fiduciary rights that no private entity has lawful standing to administer. Violations Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ) : Failure to ensure maximum possible accuracy and refusal to delete inaccurate and erroneous information despite proper notice. 15 U.S.C. 1681c-2 : CRAs must block information that results from identity theft within four business days of receiving an FTC report and proof of identity. Unlawful publication of charge-offs : Treating canceled debts as liabilities on a consumer file conflicts with IRS reporting rules and exceeds the permissible scope of consumer reporting. Contempt of Court / Violation of TRO : Continued reporting of Affirm and XXXX after the TRO was signed constitutes direct violation of a binding court order. Trespass / Administration of Property : By maintaining these inaccurate accounts, Respondents are unlawfully interfering with Plaintiffs trust property and private rights.

Company response to consumer: Closed with explanation