vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am disputing a debt that was assigned to a third-party collector ( TrueAccord ) on behalf of XXXX XXXX XXXX 

The issue started when I returned multiple devices ( phones and XXXX ) to XXXX through a XXXX store as part of our agreement. XXXX confirmed the return in-store, but later lost track of the devices in their warehouse system. Despite the return, a debt of over {$3000.00} was assigned to me, which we believe is an error. 

Im no longer have the physical return documents due to time passed, but i now working with XXXX to try to get documentation or confirmation from their system. 
I requesting a full investigation into this matter, and for all collection activities to stop while it is being reviewed. 
This incorrect debt has caused me stress and may impact my credit history, even though we followed XXXX return 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 2025-06-27 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:
Complainant : XXXX XXXX XXXX Subject : Inaccurate Late Payment Reporting Violation of FCBA and FCRA Email : XXXX I, XXXX XXXX XXXX, am submitting this complaint due to the continued inaccurate reporting of late payments on my credit report despite a billing error dispute submitted over 35 days ago. This issue has not been resolved, and the accounts remain inaccurately reported. This complaint is being submitted by me directly as a natural person and not by any third party. 

I am exercising my rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) to ensure the fairness and accuracy of my consumer credit file. The creditor has not provided any documentation validating the alleged late payments, nor have I received any information regarding the method of verification required by law. 

Accounts in Dispute : XXXX XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Status : Open Reporting Late Payment XXXX XXXX Account Number : XXXXXX/XX/XXXXStatus : Open Reporting Late Payment Legal Basis for Dispute : According to 15 U.S. Code 1666 ( b ) of the FCBA, the following constitute billing errors that I believe apply to my situation : Failure to accurately reflect a payment or credit issued Computation or accounting errors by the creditor Lack of timely ( 21-day advance ) notice before assessing late fees or reporting delinquency In addition, the FCRA ( specifically 15 U.S.C. 1681e ( b ) ) requires consumer reporting agencies to maintain procedures that ensure the maximum possible accuracy of information reported. Failure to correct or remove unverified data violates this provision.

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 2025-06-27 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: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate Late Payment Reporting Violation of FCBA and FCRA Email : XXXX I, XXXX XXXX XXXX, am submitting this complaint due to the continued inaccurate reporting of late payments on my credit report despite a billing error dispute submitted over 35 days ago. This issue has not been resolved, and the accounts remain inaccurately reported. This complaint is being submitted by me directly as a natural person and not by any third party. 

I am exercising my rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) to ensure the fairness and accuracy of my consumer credit file. The creditor has not provided any documentation validating the alleged late payments, nor have I received any information regarding the method of verification required by law. 

Accounts in Dispute : XXXX XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Status : Open Reporting Late Payment XXXX XXXX Account Number : XXXXXX/XX/XXXXStatus : Open Reporting Late Payment Legal Basis for Dispute : According to 15 U.S. Code 1666 ( b ) of the FCBA, the following constitute billing errors that I believe apply to my situation : Failure to accurately reflect a payment or credit issued Computation or accounting errors by the creditor Lack of timely ( 21-day advance ) notice before assessing late fees or reporting delinquency In addition, the FCRA ( specifically 15 U.S.C. 1681e ( b ) ) requires consumer reporting agencies to maintain procedures that ensure the maximum possible accuracy of information reported. Failure to correct or remove unverified data violates this provision.

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 2025-06-27 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I have always had direct payment from my checking account XXXX XXXX switched their billing partnership & so they assigned a new card & terms etc Due to thier not properly pulling out the min amount due in the transition they claimed I was 30 days past due. I called & explained that they caused the issue with my autopay not working due to new process or company who financed the card & in XX/XX/year> ding 'd my report 30 days late.. I called I submitte dispute via XXXX  to NO RESOLVE - I need them to fix that as it is negativly affecting my credit score. The company is Barclays Bank 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 monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I need a copy of the arbitration agreement. The debt is over 4 years old and they have harassed me. Today they wrote a letter about my XXXX XXXX  which hurt me mental health. They have harassed me. They know its too old for arbitration so they used the courts to harass and threaten me.The complaint should not be in court. I will be filing a motion to compel arbitration and when they file arbitration its more than 4 years old and they know all this but continue to harass me about my XXXX XXXX and health and it just wont stop.they just keep harassing me and Citi bank knows this. 
Citibank 's XXXX XXXX XXXX XXXX agreement includes an arbitration clause that requires disputes to be resolved by a professional arbitrator, rather than a judge or jury. The agreement also states that neither party can go to court, have a jury trial, or participate in a class action if they choose arbitration. The arbitration clause applies to all claims, regardless of the legal theory or remedy sought. 

The agreement also explains how arbitration works, the differences between arbitration and court, and which claims are not covered by the arbitration agreement. Citibank recommends that cardholders read the entire agreement, including the arbitration provision, and keep it for their records.

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : PORTFOLIO RECOVERY ASSOCIATES Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, CA XXXX Dear PORTFOLIO RECOVERY ASSOCIATES, I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I need a copy of the arbitration agreement. The debt is over 4 years old and they have harassed me. Today they wrote a letter about my XXXX XXXX which hurt me mental health. They have harassed me. They know its too old for arbitration so they used the courts to harass and threaten me.The complaint should not be in court. I will be filing a motion to compel arbitration and when they file arbitration its more than 4 years old and they know all this but continue to harass me about my XXXX XXXX and health and it just wont stop.they just keep harassing me and Citi bank knows this. 
Citibank 's XXXX XXXX XXXX XXXX agreement includes an arbitration clause that requires disputes to be resolved by a professional arbitrator, rather than a judge or jury. The agreement also states that neither party can go to court, have a jury trial, or participate in a class action if they choose arbitration. The arbitration clause applies to all claims, regardless of the legal theory or remedy sought.

The agreement also explains how arbitration works, the differences between arbitration and court, and which claims are not covered by the arbitration agreement. Citibank recommends that cardholders read the entire agreement, including the arbitration provision, and keep it for their records.

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 2025-06-27 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: IL

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TN

Complaint narrative:
Around late XXXX I began to have balance with my capital one credit card, which I would try to pay off, I let my mom use my card mistakenly for a big transaction and that where I started to really have problems with paying it off, this card has an XXXX of about 29.74 %, and my mother didnt pay me back until months later .. so it was hard to pay the card when I would make payments and then interest charges of ex. {$78.00} dollars would be charged shortly after month after month, so obviously as an XXXX XXXX XXXX, it became hard to make these payments at all, when I had other things to pay and was just starting my XXXX XXXX XXXX and had a XXXX an hour job. 
Those are the terms of the card okay, I acceptthe issue comes when we start talking about the late fees being charged to my account .. on top of the the interest fees. 
To my understanding credit card companies arent allowed to charge this anymore. As there was a new rule at least I thought there was. It supposedly took effect in XXXX of XXXX, but I have been getting charged this ever since, even after I spoke to a capital one representative in XXXX of XXXX, Where he had stated yes that is correct after I explained to him my concerns and gave me a number to call but was working and put it off for months, and eventually did call in XXXX of XXXX and explained the situation a bit to another representative and got XXXX late fee reversed on XX/XX/XXXX, but that was all. Since that law was supposedly put into effect, Ive been charged {$40.00} on XXXX dates ( not including the one reversed in XXXX ) this is XXXX dollars in just late fees, not to mention the interest. Here are the dates I was charged the late fees of {$40.00} : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX This makes it extremely difficult to pay off the balance, so when I make MINIMUM payments of {$250.00} and $ XXXX feels like Im barely making a dent. My current balance is at {$2900.00}. It limit is {$3000.00} Since XXXX of this year Ive paid {$780.00}, do this doesnt include payment from XXXXand my card is still at its limitand no I have not made purchases .. XXXX this year. Again these fees occur shortly before interest charges ranging from $ XXXX {$84.00}, and of course interest charges are higher as a result of these ridiculously high fees .. as if the interest charges werent high enough. I find this excessive of not outright abusive from capital one as a company valued well over {$70.00} XXXX and has net assets of over {$60.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MO

Complaint narrative:
I received a text message on XX/XX/XXXX about a debt owed to XXXX XXXX after attempting to see the amount that is due I enter the account number and my zip code they provided, it stated no account could not be located. After calling on XX/XX/XXXX I spoke with a woman that was very rude, disrespectful, forceful, predatory, and I asked for more information about the claim and to notify that debt is not mine she proceeded to hound me for my home address date of birth and personal information. I got to the point where I felt I was getting harassed for information that is not relevant other than the account number, I gave her no information and hung up. Absolutely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. 


I contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. 


This breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief