vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, Account Number : XXXX Subject : Request for Original Purchase Agreement I am filing a formal dispute regarding the accuracy and validity of the account you are attempting to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I request that you provide : 1. A copy of the original purchase agreement or contract that created this alleged debt, bearing my signature.

2. Documentation identifying the original creditor, including account number, date of origination, and complete payment history.

3. Proof of your legal right to collect on this account, including any assignment, transfer, or chain of title from the original creditor.

4. An itemized breakdown of the balance being claimed, including principle, interest, fees, and other charges.

Until you provide this information, I request for Original Purchase Agreement and cease collection activity and refrain from reporting this account to the credit bureaus. If it has already been reported, ). 
Sincerely, 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 2025-09-20 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:
I am submitting this formal complaint against the credit reporting agencies for including false and inaccurate addresses on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) that requires credit bureaus to maintain maximum possible accuracy of consumer information. 

The following addresses are being inaccurately reported on my file and do not belong to me : XX/XX/XXXX These addresses are incorrect, misleading, and unrelated to me. Their presence on my credit report exposes me to the risk of mixed files, identity confusion, and potential fraud. This is damaging to my personal and financial reputation and may affect my ability to obtain credit fairly. 

I am demanding that the CFPB : Investigate the credit reporting agencies failure to maintain accurate information under the FCRA. 

Require the immediate removal of all inaccurate addresses listed above. 

Hold the credit bureaus accountable for compliance with federal law and ensure corrective measures are implemented to prevent recurrence.

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 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The company names is portfolio recovery associates LLC date XX/XX/year> numbers accounting is XXXX acreedor originalXX/XX/XXXX amount the {$1800.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I never did business with JEFFERSON CAPITAL SYSTEMS They need remove their self off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
b'Company: Amsher Collection Services, Inc.\n\nIssue: Failure to validate debt  Continued reporting of unverifiable account\n\nWhat Happened:\n\t\tXXXX XXXX XXXX  I disputed an Amsher collection account.\n\t\XXXX XXXX XXXX I mailed a certified dispute letter (USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX delivered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amshers attorney replied with only a billing statement and a generic chain of title, lacking personal identifiers or a signed agreement.\n\t\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\nDespite this, Amsher continues reporting the account as valid.\n\nThis is a violation of:\n\t\tFDCPA, 15 U.S.C. 1692g(b): Collectors must cease collection until lawful validation is provided.\n\t\tFCRA, 15 U.S.C. 1681s-2(b): Furnishers must conduct a reasonable investigation before verifying disputed accounts.\n\nAdditional Context:\nI am also a documented victim in a federal fraud case (FTC v. XXXX). I have attached my FTC letter confirming my victim status. This collection appears tied to the fraudulent activity recognized by the FTC, making Amshers continued reporting negligent and deceptive.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX reported a 90-day delinquency to Experian on XX/XX/year>, for my federal student loan. This reporting is inaccurate and misleading. 

I made full monthly payments from XXXX through XX/XX/year>, including : {$250.00} on XX/XX/XXXX {$230.00} on XX/XX/XXXX {$250.00} on XXXX XXXX {$230.00} on XX/XX/XXXX {$250.00} on XX/XX/XXXX In XXXX, XXXX, and XXXX, XXXX emailed me stating I was 75 days delinquent. This confirms they were tracking my status as less than 90 days late for several months. 

In XXXX, I made a partial payment of {$150.00} the only underpayment during this period. My next payment wasnt yet due when the 90-day delinquency was reported on XX/XX/year>. 

This appears to be a case of re-aging or misapplied payment tracking, rather than a legitimate 90-day delinquency. It does not align with Metro 2 reporting standards and may violate the Fair Credit Reporting Act ( FCRA ). 

XXXX denied my internal dispute and has refused to correct the record. I respectfully request that the CFPB investigate and direct XXXX to remove the 90-day delinquency from my credit report. 

This incorrect mark has negatively affected my credit profile. I have documentation to support my position.

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 2025-09-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Affirm account number XXXXXXXX XXXX XXXX XXXX  is reporting a late payment in XX/XX/2025. In accordance to the Fair Credit reporting Act this creditor has violated my rights under15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove all late payments from this account and update my report. Thank 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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
These companies keep reporting accounts with XXXX balances and accounts that are over 7 yrs old that have been charged 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 2025-09-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I am a victim of identity theft. My personal information was fraudulently used to open multiple unauthorized bank accounts and generate inquiries on my ChexSystems consumer report without my knowledge or consent. Fraudulent accounts were reported by 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. I never opened these accounts, did not authorize anyone else to do so, and received no benefit. In addition, multiple unauthorized inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were made using my stolen information. These fraudulent items remain on my report despite my disputes. I have filed an FTC Identity Theft Affidavit, submitted a police report with the XXXX XXXX Police Department ( Tracking Number : XXXX ), and collected additional supporting evidence proving these items are fraudulent

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: GA

Complaint narrative:
XX/XX/2000 Re : Identity Theft Dispute Request for Blocking of Fraudulent Information ( 15 U.S.C. 1681c-2 ) Related to : XXXX  Data Incident / Breach To Whom It May Concern : I am writing to notify you that I am the victim of identity theft resulting from the XXXX data breach. 
I did not authorize the accounts, inquiries, or other activity listed previously, and I hereby dispute any and all information on my credit file that was created or affected by that unauthorized access. 
Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I request that you immediately block from my credit file all information relating to the fraudulent accounts and inquiries arising from the XXXX  data breach that are not clearly attributable to me.

Enclosed with this correspondence are copies of the following supporting documents : 1. A copy of my Identity Theft Report from IdentityTheft.gov ( or the police report, if applicable ). 2. A copy of a government-issued photo identification ( driver 's license ). 
3. Proof of my current address ( utility bill / bank statement ).

4. Any other documentation I have that supports my claim of identity theft.

Please treat this matter with the urgency it requires. I request that you : 1. Block the fraudulent information from my credit file under 15 U.S.C. 1681c-2.

2. Conduct a thorough and timely investigation and provide me with the results in writing.

3. Provide a written confirmation that the fraudulent items have been blocked/removed. 
4. Place an extended fraud alert on my credit file.

5. Provide me with an updated copy of my credit report showing the results of your investigation. 
My contact information is listed above ; you may reach me by phone at XXXX or by email at XXXX for any necessary follow-up. I appreciate your prompt attention to this serious matter. Sincerely, ______________________________ XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On my Affirm account, I noticed a purchase that I didn't make, and they claim that I did make it. So I filed a claim for fraud or a dispute regarding this purchase, but their response is that it's correct, even though I'm telling them it's not. Therefore, I need to pursue this claim further because they can not simply dismiss a claim filed by the account owner, especially when I'm asserting that I did not make the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: EQUIFAX, INC.
State: FL

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 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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
From XXXX XXXX To XXXX Date XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). View security details Under Section 609 of the FCRA. Please provide me with details including PURCHASE AGREEMENT on all 29 negative accounts. 
XXXXexperian.com/

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 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-21 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NM

Complaint narrative:
Company : Charles Schwab Bank , SSB Account Type : Checking Last XXXX Digits of Account # : XXXX Schwab Case # : XXXX Complaint : My Schwab Bank account was frozen on XX/XX/year> and has remained inaccessible for over 13 days, despite my prompt submission of all requested documents for review. 

I have contacted Schwab multiple times, but their Fraud Investigations department has not reached out, and customer service can not transfer me because there is no direct phone line. 

This is urgent because the IRS is scheduled to deduct a tax payment from my account on XX/XX/year>. If Schwab does not release the funds, I may face federal penalties and financial hardship. 

I request that Schwab : 1 Immediately release my account or allow sufficient funds for the IRS payment.

2 Provide a written explanation for the account freeze.

3 Establish direct communication from Fraud Investigations to me, the account owner. 

I am seeking a prompt resolution to avoid financial and legal consequences. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: MS

Complaint narrative:
requested a debt validation and never received it XXXX XXXX XXXX violated several fcra laws and their are several inaccurate things. I received harassed calls and messages. this has damage my credit and caused a horrible mental state. im requesting this account be deleted from all credit bureaus asap.

Company response to consumer: Closed with non-monetary relief