vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am filing a complaint regarding two charge-off accounts that are being inaccurately reported on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I previously submitted formal disputes to all three major credit bureaus ( XXXX, XXXX, and TransUnion ) , with supporting documentation requesting verification or removal of these accounts. However, the bureaus responded stating the accounts were " verified '' without providing any actual proof of investigation or validation from the data furnishers.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 [ 15 U.S. Code 1681i ], which requires a reasonable investigation when a consumer disputes inaccurate information.

These charge-off accounts continue to damage my credit and limit my financial opportunities. To escalate the matter, I also filed a complaint with the Federal Trade Commission ( FTC ) under Report Number XXXX. 

I request that the CFPB investigate this matter and ensure the credit reporting agencies and furnishers comply with federal law. I am seeking either verified documentation from the original creditors or the removal of these accounts 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 2025-07-14 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the 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 2025-07-14 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the 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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against Bank of America regarding an unjustified interest fee of {$30.00} and poor handling of my account payments, which I believe constitutes deceptive and unfair business practices. 

On XX/XX/year>, I made a payment of {$7900.00} toward my account with Bank of America, using a savings account that Bank of America allowed me to add after completing its required trial deposit verification process. Despite confirming and verifying this account, Bank of America returned my payment on XX/XX/year>, stating that payments can not be accepted from a savings account. This directly contradicts their own approval process which permitted me to link and use this account. 

When I contacted Bank of America to resolve this and make a replacement payment, I was informed I could not do so because my balance incorrectly reflected {$0.00} at the time. Once the balance updated, I immediately submitted the payment again on XX/XX/year>. 

I am now facing an unjustified returned payment fee and potentially negative account reporting, all due to XXXX XXXX XXXX own internal error in allowing a payment method that they later rejected. Despite my attempts to resolve this directly, the bank has not taken responsibility or provided written assurance that my account will not be negatively impacted. 


The credit card last four digits 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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I am writing to formally dispute fraudulent accounts that have been reported under my name due to a data breach involving my personal information. The accounts in question include Milestone, Indigo, and Destiny credit cards, all issued under Concora Credit , Inc. These accounts were opened without my knowledge, consent, or authorization. 

This is a clear case of identity theft, and reporting this information as accurate is a violation of the Fair Credit Reporting Act ( FCRA ). Under XXXX U.S. Code XXXX ( a ) ( XXXX ) ( A ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Continuing to report these fraudulent accounts as valid is a direct violation of this federal statute. 

I am demanding that these accounts be immediately removed from my credit reports and that all negative marks associated with them be deleted. I also request written confirmation once this has been completed and my credit file corrected. 

If these accounts are not removed promptly, I will be forced to have my attorney take further legal action to ensure my rights are protected and enforced under the law. 

Personal Information for Verification : Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX, XXXX, PA XXXX Last XXXX of XXXX : XXXX Email : XXXX This matter is urgent and must be resolved immediately. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/2025 Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Portfolio Recovery Associates Account # XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Portfolio Recovery Associates ( PRA ) regarding Account Number # XXXX. I respectfully request that the CFPB investigate Portfolio Recoverys conduct and take appropriate enforcement action. 

I have no intention of paying this alleged debt because PRA has failed to provide any evidence that they have the legal right to collect it. Despite repeated requests, they have not sent a Bill of Sale, Purchase Agreement, or chain of assignment to validate this debt or show proof of ownership.

Additionally, I have reason to believe this debt has been securitized, which means it has been bundled and sold as part of a financial security. Therefore, neither PRA nor XXXX XXXX ( the original creditor ) has the legal standing to collect on this account. I am attaching a XXXX form to support this claim. 

Unless and until proper validation is sent to me, I demand that Portfolio Recovery Associates cease and desist from all collection activities and credit reporting related to this debt. 

If PRA or XXXX XXXX continues to attempt to collect or report this debt, I will pursue legal action for the following : Violations of the Fair Debt Collection Practices Act ( FDCPA ) Violations of the Fair Credit Reporting Act ( FCRA ) Invasion of privacy Mental anguish Attorney fees, court costs, and all other costs I incur trying to protect and repair my credit This is my final notice. If this matter is not resolved, I will take legal action against both PRA and the original creditor. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accscient, LLC
State: TN

Complaint narrative:
XXXX years ago I received a call from an employee at XXXX XXXX XXXX. This employee did not speak very good XXXX and was difficult to understand. She insisted that I pay her for a debt that I owed to XXXX XXXX, Tennessee. I explained to her I have never received anything stating I owed them. I tried to ask her again who she was with and more about the debt. She refused to answer my questions and just insisted that I pay her {$100.00}. I told her no if she could not tell me who she was with and prove the debt. 

Now XXXX years later the debt has been reported and is negatively affecting my credit report. And I never received a letter, FDCPA or CFPB letter notifying me of the debt or giving me chance to verify and take care of the debt. 

I recently reached out to XXXX XXXX about it to see if it was legit and they sent a screen shot showing my service was turned off on XX/XX/27 and that I would have billed XXXX but they didnt have a forwarding address. 

I was there at XXXX XXXX on XX/XX/27 while the lady that bought my house was in line in front of me to turn services on. The employee said if she is here to services I. Her name is dont need to close to just pay my last bill, which I did. I was not told that my bill was not all that I owed. 

I also had my mail forwarded for several months after I moved and I never received a bill.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
As per 15usc 1611TransUnion is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX Client Services XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX Re : Account Number XXXX Dear Client Services, I am writing to dispute the alleged debt to XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX , Ohio XXXX, in the amount of {$2600.00}. 
The reason for this dispute is that I had previously attempted to negotiate a payment plan with XXXX that would accommodate my current economic situation. Unfortunately, they refused to work with me, and I was not able to make payments under the terms they offered. 
I believe that XXXXXXXX XXXX  unwillingness to provide a reasonable payment plan contributed to my inability to pay the debt. I request that you take this circumstance into consideration and verify the debt as required by law. 
Please provide the following information : 1. A copy of the original contract or agreement.

2. A detailed breakdown of the charges.

3. Proof of my responsibility for the debt. 
4. Documentation of XXXX 's payment plan policies and any communications with me regarding payment arrangements. 
I would appreciate a prompt response regarding this matter. If the debt is verified, I request instructions on how to resolve the account. 
Please find below my contact information for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
Recently I was trying to buy a semi truck to start a business and realized I had damages on my credit that where fraudulent not authorize by me. According to 15 U.S.C 1681 law there should not be any damages on my report is a defamation to my character.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased movie tickets with XXXX, total being {$59.00}. The movie showtime was at XXXX however according to the ticket the actual movie wouldnt begin until XXXX30 minutes later ( so around XXXX ). We ended up showing up to the movie later than that, closer to XXXX. At that time we realized we were too late and had already missed part of the movie. I went up to customer service there at the movie theater, and asked for a refund. They refused me a refund due to paying with XXXX XXXX. That didnt make any sense and no matter how much I tried to get a refund they refused. At that point I tried calling capital one next but they said that I had to wait until the charge was actually on the statement, and not pending, as they couldnt do anything for me until then. We didnt watch the movie and left and figured I could deal with it with capital one later. However I still tried, at XXXX same day, to reach out to XXXX customer service to see if they could help. XXXX never responded to my emails. They do not have a direct customer service number that I could find. On XX/XX/XXXX the charge finally was on my statement. I called capital one and disputed it and explained the situation. They credited me and said they would reach out to the merchant. On XX/XX/XXXX Capital One said they sided with the merchant because I did actually make the purchase and knew about it. I had never said I didnt make the purchase. I said we didnt make the movie and therefore we didnt receive the service. They then asked me for more information and I sent them the confirmation of the email I sent to XXXX that same day and a copy of the movie tickets, all showing times. On that same day, XX/XX/XXXX, I once again attempted to reach out the merchant. My attempts have continued to be ignored by XXXX. XXXX XX/XX/XXXX, today, despite me sending everything to Capital One that I have, they have once again sided with the merchant. So essentially I have given free money to XXXX at this point. We are supposed to have protection from Capital One, but what is the point if they are just going to side the with the merchant? Im not sure how else to prove we didnt make it to the movie and Ive tried to ask XXXX for a refundboth in person that same day and via email ( which were sent to Capital One ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
Dear Brock & Scott , PLLC, Re : Reference # XXXX I am writing in regards to the above account for {$27000.00} which you state I am responsible for that I never authorized. I do not care that they hired y'all. The original company who sold you the debt, which is XXXX XXXX XXXX XXXX charged off this fraudulent account and sold it to Brock & Scott , PLLC and states that I am responsible for. This company sold this accused debt and I am not responsible for this fraudulent account. Under the FCRA, this company failed to comply, and it has led Brock & Scott , PLLC, breaching your own contract by violating the Arbitration Clause ( FAA ), 9 U.S. Code 116.

Since this contract has been breached, I am demanding you in 30 days to remove this account associated with me and on my credit report. In this case, which is the only attempt ; failure to do so will result in complaints to : BBB, State Attorney General, FCRA violation complaint, CFPB Complaint as well as a lawsuit. I have also filed a police report regarding this matter and will be using it for evidence when I file my claim against this company for harassment, and being in violation. 
LAST WARNING TO STOP CONTACTING ME. I have already filed the necessary documents with XXXX XXXX about this fraudulent account and they are aware. If you contact me again I will proceed with a lawsuit and seek for harassment and damages just like I did with XXXX XXXX. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am writing to formally dispute this collection account listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent.

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

With this complaint, I will attach proof of XXXX data breach and my personal information including my social security and other private information that was spotted on numerous dark webs and has been exposed and is being used without my permission. A Identity theft affidavit will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Collection Account by Aldous and XXXX XXXX XXXX  Charges Dear CFPB, I am writing to formally dispute an account reported by Aldous and Associates, related to Club Fitness. The account shows an open balance of {$600.00} and has been marked as placed for collection. 

I signed up with XXXX XXXX, but after only one month, I cancelled my membership and informed them I no longer wished to continue. Despite cancelling, XXXX XXXX kept adding monthly payments to my account, which I never authorized or agreed to pay after cancellation. These unauthorized charges have now been sent to collections by Aldous and Associates, damaging my credit. 

I request that the CFPB investigates this matter, as these charges are inaccurate and unfair. The continued reporting of this collection account is causing significant harm to my credit and does not reflect my actual obligation. 

Please help ensure this account is removed or corrected so it does not appear on my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation