vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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 am filing a formal complaint against Portfolio Recovery Associates for their continued attempts to collect an alleged debt in the amount of {$7500.00}, despite my repeated disputes regarding its validity for over a year. 

I have never provided Portfolio Recovery Associates with my Social Security number, nor have I signed any agreement or contract with them. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt, and they are required to cease collection efforts until proper verification is provided. However, they have failed to furnish any legitimate proof that I owe this amount or that they have the legal authority to collect it.

Furthermore, as Portfolio Recovery Associates is not the original contract holder, I am under no federal obligation to pay them anything. The FDCPA ( 15 U.S.C. 1692e ) prohibits false, deceptive, or misleading representations in the collection of debts, including misrepresenting their right to collect this alleged amount. 

I request that the CFPB take immediate action to investigate Portfolio Recovery Associates conduct, as they are engaging in potentially unlawful debt collection practices. I ask that this company provide documented proof that they have a valid claim to this debt or cease all further collection attempts. 

I appreciate your attention to this matter and look forward to your response. Please inform me of any steps I should take to ensure this issue is resolved in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
Description of What Happened with Equifax I am filing this complaint because Equifax has wrongfully refused to process my dispute regarding inaccurate information on my credit report. 

I was personally affected by the Equifax data breach, which exposed my personal and financial information to unauthorized parties. Because of this breach, my identity has been compromised, and inaccurate, fraudulent, and unverified information has appeared on my credit report.

Recently, I submitted a dispute to remove multiple inaccurate accounts and unauthorized hard inquiries that do not belong to me. However, Equifax falsely claimed that I can not submit another dispute within 90 days. This statement is factually incorrect and a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ).

The FCRA clearly states that I have the right to dispute any inaccurate, incomplete, or unverifiable information at any time. There is no legal restriction that requires me to wait 90 days between disputes. Equifaxs refusal to process my dispute is an attempt to ignore its responsibility to maintain accurate credit reporting.

How Equifax Violated My Rights 1. They falsely claimed I can not dispute again within 90 days This is a direct violation of the FCRA ( 15 U.S.C. 1681i ), which mandates that Equifax must investigate every valid dispute within 30 days.

2. They have not provided valid proof of verification for the disputed accounts The FCRA requires them to obtain and provide actual documentation from the original creditors.

3. They have ignored the increased fraud risk due to the Equifax data breach Because my personal information was compromised in their breach, Equifax should be taking extra precautions to ensure the accuracy of my report rather than wrongfully denying my dispute.

4. They continue reporting inaccurate information Despite my dispute, Equifax has failed to remove false accounts and inquiries, which are damaging my creditworthiness.

What I Am Requesting I am formally requesting the following corrective actions : A full reinvestigation of my disputed accounts and inquiries, as required under the FCRA.

Immediate removal of any inaccurate, unverified, or fraudulent accounts from my credit report.

Documentation proving verification for any account that Equifax claims is accurate. If they can not provide such documentation, the item must be deleted immediately.

A written explanation from Equifax regarding why they falsely claimed I can not dispute again within 90 days.

If Equifax fails to correct this issue, I will escalate my complaint further by filing additional reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal action for non-compliance with federal law.

I expect a prompt response and full resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I am writing to express my frustration and dissatisfaction with the services provided by Citizens Bank regarding my account. I am an international customer, and unfortunately, my account was transferred to Citizens Bank from XXXX without my consent. I never intended to open an account with Citizens Bank, and I regret this situation as it has turned into an ongoing nightmare. 

My primary concern is the repeated blocking of my credit card due to " suspicious transactions. '' However, I am unable to verify whether these transactions are legitimate because Citizens Bank does not provide me with a proper option to authenticate my identity. As I do not have a U.S. social security number or an American phone number, the bank insists on faxing as the sole method for identity verification. In 2025, this is an outdated and inefficient process. After spending time and money on this service, I am informed after 8 hours that the fax was not received, and I am told to " keep waiting. '' I have been trying to resolve this issue for over a month. 

Citizens Bank has my email address and regularly communicates with me through it. However, I can not use my email to verify my identity, which only adds to my frustration. Furthermore, the bank does not accept my foreign phone number for any verification purposes, and I do not have a U.S. phone number.

When I try to reach customer support by phone, I am only met with generic apologies and no real solutions or alternatives. I am left with the impression that Citizens Bank is stuck in the past, with no regard for the needs of its international customers. 

As a result, I am unable to use my credit card, and without it, my money is effectively locked in the bank. This is an unacceptable situation. 

I request immediate action to resolve this issue. I need a viable solution to access my account, verify my identity, and restore access to my card. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
I am submitting a formal complaint against Experian for failing to comply with federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], as well as for engaging in unfair and deceptive practices that negatively impact consumers. My complaint is further supported by the recent CFPB lawsuit against Experian, which highlights the companys failure to properly investigate disputes, inaccurate reporting, and misleading credit practices.

Experian has failed to investigate and correct inaccurate information on my credit report as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation of disputed items within 30 days.

Experian has continued reporting incorrect information despite my previous dispute, in violation of 15 U.S.C. 1681s-2 ( b ), which requires credit reporting agencies and furnishers to correct or delete inaccurate data.

Experian has engaged in deceptive practices by failing to provide a clear and accurate explanation regarding my credit report dispute, consistent with the allegations in the CFPBs recent lawsuit against the company.

The CFPB lawsuit against Experian highlights systemic issues, including : 1. Failure to conduct proper reinvestigations of consumer disputes and instead relying on automated, inadequate responses.

2. Reporting inaccurate information even after consumers provide evidence to the contrary, violating their duty under the FCRA.

3. Misrepresenting credit scores and data to consumers, causing financial harm.

My experience with Experian directly aligns with the violations outlined in the CFPBs case, demonstrating their continued noncompliance with consumer protection laws. 

ACCOUNT : XX/XX/XXXX, [ OFFICE OF THE ATTY GENERAL ] ACCOUNT NUMBERS : [ XXXX ], [ XXXX ] DISPUTE REASON : [ ACCOUNTS NOT MINES ] I appreciate the CFPBs commitment to protecting consumers and request a prompt review of this complaint. 

Sincerely, [ 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 2025-02-19 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:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that have come to my attention. According to my credit report there are incorrect addresses, phone numbers, and employers listed. This information is erroneous, and I am concerned that these inaccuracies are negatively impacting my credit profile.

I request that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies maintain accurate and up-to-date information. Under the FCRA, I have the right to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ), and the credit reporting agency must investigate and correct any errors. Furthermore, once I file a dispute, the credit reporting agency is required to notify the relevant information provider to correct or remove the inaccurate details.

I respectfully request that you investigate the discrepancies Ive mentioned and either remove or correct any incorrect personal information. Additionally, I ask that you provide me with written confirmation of the outcome of your investigation and any actions taken to resolve the issues.

For your reference, I have enclosed the relevant documentation supporting my claim ( e.g., proof of address, phone number, and employment history ).

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Homeowners insurance policy was canceled due to Wells Fargos negligence. They did not make the payment on time causing our homeowners to be canceled and not reinstated. Now they want to charge us more to find a new policy.

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 2025-02-19 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  XXXX # XXXX XX/XX/year> -- {$0.00} XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

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 2025-02-20 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: PA

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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 2025-02-20 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: GA

Complaint narrative:
i have not supplied proof under the doctrine of the estoppel by the silenceXX/XX/XXXXXX/XX/XXXX( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XX/XX/XXXX balance {$5500.00}, XXXX XXXX Balance {$940.00}, XXXX XXXX XXXX XXXX balance {$750.00},XX/XX/XXXX balance {$210.00}, XXXX XXXX {$440.00}.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FREEDOM FINANCIAL NETWORK
State: MO

Complaint narrative:
I agreed to pay {$860.00} a month for 24-48 months. Un be known to me, they move me to their sister company and are charging me over a {$10000.00} to pay it off now. They are charging this amount since XX/XX/XXXX, 2 months???. My transfer amount was XXXX, In one month they said I owe to pay it off is XXXX. Now they say I will pay off by XXXX and it will be XXXX. This is not right. I will take from my retirement to pay off. They said they will not negotiate with me at all. They told me 15 months ago they would negotiate with credit card companies. Then they said oh you have graduated and we wont take anymore money from your account. Then in XXXX I noticed {$930.00} was taken from my account. I didnt give Achieve permission to do this or anyone else. They say I gave them permission in XXXX. They said they were paying off a creditor, you must sign right away or they may not accept the offer. I struggled to make XXXX, why would I agree to XXXX. They lied to me and mislead

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: KY

Complaint narrative:
A collections account from Stafford group and associates appeared on my credit report. I never received any type of mail or emails about this collections agency. I didn't recieve any phone calls. I looked the company up to determine they are a debt collector. I wasn't able to locate the company that sold the debt to them. I placed a call to their customer service number. They said they loan was from XXXX XXXX. I informed them that wasn't my debt and I have no knowledge of this debt. They said they will take this as I do not want to pay the balance of {$3200.00}. I requested that they send proof that the loan is mine. I never received any communication from them. I have been fighting with the bureaus to have this removed because this is identity theft. I do not have any documentation from them. I'm not able to attach it to this complaint.

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 2025-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I made the payment to City Bank for my Dillard 's card they cashed the payment but did not apply it to my account. so, after hours on the phone and opening a dispute. I still do not have it resolved. I have sent {$10.00} to fax them a copy of the check to two different fax numbers that they provided. Mailed it now to two different mailing addresses that they have provided. Now I am getting threatening notices in the mail and i have done everything I can to get this resolved. they keep passing me from department to department hung up on me multiple time. I am scared to have the bank cancel the check because I done want them to try and hit me the with almost 3 months of late fee that have been accruing on this account because they can not get the payment that they cash applied. please help me I am so exhausted and do not appreciate the harassment i am receiving form them.

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 monetary relief