vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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 your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Late Closed LIBERTYSLS XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX XXXX {$470.00} Date Opened : XX/XX/XXXX Collection XXXX  ( Original Creditor : XXXX XXXX XXXX APTS ) XXXX {$4000.00} Date Opened XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AN # XXXX XX/XX/XXXX CAP XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AN # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX LAND XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account for {$4500.00} allegedly from XXXX XXXX, scheduled to remain on my credit report until XX/XX/2027. I do not have any contract or agreement with Portfolio Recovery Associates, and I dispute the validity of this debt. 

I have formally requested validation of the debt under the Fair Debt Collection Practices Act ( 15 USC 1692g ). They have failed to provide documentation such as a signed original agreement, itemized statements, proof of purchase or assignment, and their legal right to collect or report this debt. 

Under the Fair Credit Reporting Act ( 15 USC 1681s-2 ), furnishers may not report information that is inaccurate or can not be verified. Reporting this debt without full validation is a violation. Additionally, under the Utah Statute of Frauds ( Utah Code 25-5-1 ), this type of alleged debt must be supported by a signed written agreement to be enforceablenone has been provided. 

Portfolio Recovery Associates has continued to report this item despite it being disputed. I believe this account is not legally verifiable, not contractually valid, and is causing serious and unlawful damage to my credit. 



Resolution Requested : I request that the CFPB require Portfolio Recovery Associates to either : XXXX. Provide full validation of the debt ( including original signed contract, itemized breakdown, and proof of ownership ), or XXXX. Immediately remove the account from all consumer credit reporting agencies and cease all collection efforts. 

This account must be removed if it can not be properly and legally validated. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
EXPERAN KEEPS REPORTING A MEDICAL DEBT ON MY FILE, EVEN THOUGH I INFORMED THEM OF IT. XXXX XXXX XXXX IS REPORTING IT, AND I HAVE INFORMED THEM AS WELL, BUT IT ALWAYS GETS BRUSHED UNDER THE RUG BY BOTH. XXXX XXXX IS THE ORIGINAL COMPANY.

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 2025-03-28 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute with Experian about an account that is reporting negatively on my credit report. I contacted the collection company XXXX XXXX XXXX prior to filing the dispute and was told they had no account using my name, dob, ssn, and phone number. Experian returned the dispute stating the account was validated, however I contacted the company again today after getting the results from Experian and spoke to XXXX  at XXXX who confirmed that they do not have my account and I have to contact the original company XXXX XXXX that canceled the time share 5 years ago. If the account is with the original company why is the collection agency reporting on my 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a credit card which I paid off on XX/XX/XXXX {$310.00}. I never got an email or text or phone call or anything in the reg mail about owing interest after this date. They add an interest charge of {$6.00} on XX/XX/XXXX. Then they charged me {$15.00} late fee on XX/XX/XXXX again not notifying me of any charges made to my account. Then on XX/XX/XXXX charged me another {$.00} cents minimum interest charge. " I called when I decided I would close the account that we have faithfully paid off after the company was closed 5 years ago. We paid off this card personally. When I looked up my card online I noticed the charges. I called customer service and they were willing to reverse the {$15.00} late fee but not the interest charges. I told them I did not receive any notices. I then asked to speak with a supervisor. He told me the same thing, " sorry but no ''. He did mention when I told him I was not notified by any means, he said that there was something wrong with the email on file. So I asked again and he said " no they could not reverse the charge. I then asked for the account to be closed. He read us a disclaimer which said of course I am responsible since they will continue to add fees because the account is not at a XXXX balance. I told him I was very unhappy and going to pursue this with Capital One. Then I found your website so I am reporting this issue to you. Hopefully you can help me get this account balance cleared up. 
Thank you. 
I am also going to contact Capital One 's credit card XXXX & XXXX XXXX XXXX and the XXXX, XXXX XXXX. This was totally unfair and a shady move as far as I am concerned. I look forward to hearing from CFPB. Thank you. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
On XXXX I set up a checking account at Citi online. I received notification that my card would be sent soon ; I forgot about my card until I tried to access my account to transfer money over to my other bank account on XX/XX/XXXX. As I lost my debit card, I tried to request a new one on the Citi website. It would not let me request a new card without the XXXX digit pin from the lost card. With a few attempts to guess the pin, it locked me out of my online portal banking account. I called customer service and tried to reset my account and get sent a new debit card, but I was not able to access my account because I did not have my account number that was only stored on my online banking account statements which I had access to before it was locked out. There was no other way besides a security word and I did not have that. 

The next day, XX/XX/XXXX, I found my debit card and pin and called customer service so I can reset my account but met up with the same resolution that they needed my account number or my XXXX word security phrase to access my account. Even with my last XXXX social security and my debit card and pin they sent me, there was no other way to verify my identity other than going in person ( which is not viable ) or send it through mail. This was a horrible experience as a customer as I can not access my account.. I had my user ID, password, social security number, debit card and pin, and possibly any other way to verify my identity ( drivers license, passport, passport card, etc ) but the only way that Citi would ever let me in my account is through the means of something I don't have or as XXXX of their customer service representatives mentioned, to send my social security number through mail to Citi.

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 2025-03-28 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information  on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes  which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor
Late Closed
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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 your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information  on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes  which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor
Late Closed
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-28 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Our house burned down on XXXX XXXX. Our insurance, XXXX  XXXX, sent a payment to Freedom Mortgage in XXXX. They entered into their system on XXXX XXXX. They did not apply it to the or loan. It is just sitting there. They are saying we are behind and are adding up late fees. They were sent a letter saying we want the house paid off and they continue to say we are behind and when you call them, they send you to XXXX different people and none of them have any answers, so they cut you off. Our insurance agent tried to help us, and they did the same thing to him. Meanwhile it is being reported to credit bureaus that we are behind. We have never, ever been behind with them. We live on SS, so all our bills have to get paid as soon as our check comes in because we only get one check a month. Every bill we have gets paid at once. We need someone to make them apply the money and take the late fees off.

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 2025-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to CFPB to formally dispute the reappearance of an account on my consumer credit report that was previously removed due to identity theft by Experian. The re-adding of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws codified under Title 15 of the United States Code ( USC ). Such actions are not only improper but also undermine the trust and accuracy expected in credit reporting practices. I am demanding the additional information by Experian is claiming the creditor certified the information has been verified that the fraudulent account belongs to me.

Under 15 USC 1681c-2, once an account has been confirmed as fraudulent due to identity theft and removed from a credit report, it is explicitly prohibited for the account to reappear unless it is verified as legitimate through proper documentation and due process. In this instance, no such verification, documentation, or prior notification was provided to me before this account was readded to my credit report, violating established legal protocols and my consumer rights.

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 2025-03-28 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: AZ

Complaint narrative:
I AM A VICTIM OF XXXX XXXX  UNDER 605C. PLEASE HELP ME REMOVE THESE FAKE ACCOUNTS FROM MY CREDIT FILE, I HAVE UPLOADED ALL MY DOCUMENTS.

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 2025-03-29 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank made an unauthorized charge for a safe-deposit box on XXXX XX/XX/year> They would not accept a dispute of the charge They demanded I visit the branch I visited the branch on XXXX XX/XX/year> They said they could not do anything and I would need to return I have never used any chase safe deposit box and demand a refund of {$62.00} The teller indicates that many customers have been subject to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
These items are reporting inaccurately on my credit report and need to be removed in the next 20 business days.

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 2025-03-28 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: FL

Complaint narrative:
These items are reporting inaccurately on my credit report and need to be removed in the next 20 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I am submitting this formal complaint regarding a series of repeated phone calls I have received from an unknown number claiming to represent Citibank NA. These calls began during the week of XX/XX/XXXX, and continued through XX/XX/XXXX. I received another call on XX/XX/XXXX, at XXXX PM. The callers claim that I owe over {$3000.00} for a credit card debt that allegedly began in XXXX which is over 8 years ago. However, I have no knowledge of this debt and I believe it does not belong to me. Below are the details of my experience : Repeated Calls and False Claims of Debt : Between XX/XX/XXXX and XX/XX/XXXX, I received several calls from an unknown number, with the caller claiming to represent Citibank NA. They stated that I owe over {$3000.00} for a credit card debt dating back to XXXX. I have never had a Citibank card with such a balance, nor am I aware of any such debt. This is completely inaccurate, and I do not believe this debt belongs to me. 

Insufficient Information Provided : During the most recent call, on XX/XX/XXXX, at XXXX PM, I requested more information to verify the debt. The caller only stated that the last four digits of my social security number matched their records. This vague response is inadequate to confirm the legitimacy of this claim and raises serious concerns about the accuracy of the information they are using. This could be an issue of mistaken identity or even fraud.

Inappropriate Contact with My Mother : Another troubling aspect of this situation is that the caller has also contacted my mother regarding this alleged debt. I do not understand why she is being involved in this matter, as she is not connected to any financial obligations I may have. It is highly inappropriate for a debt collector to repeatedly contact a third party without explanation.

Harassment and Threats of Legal Action : In addition to the repeated phone calls, the caller has threatened legal action, including wage garnishment and damage to my credit by reporting this supposed debt. These threats are unwarranted, as I have already explained that I do not recognize the debt.

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