vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Multiple times each day I receive calls from Portfolio Recovery. My debt has been discharged and charged off for years. It is extremely frustrating as I no longer am responsible for this debt. This is harassment plain and simple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Suttell, Hammer & White, P.S
State: MA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, XXXX has not helped determine anything, saying verifed but no proof. XXXX was asked twice to remove address, never lived at from account. I do not know where or who to pay? XXXX XXXX XXXX sent checks back. 

It has been 15 days since the inquiry and no return mail has been provided. What do I owe and who can I pay without being scammed again ( Lost over XXXX $ to debt consolidation companies such as XXXX XXXX XXXX XXXX and XXXX XXXX ( I paid from XXXX monthly payments for {$7000.00} and they did not pay it towards the debt, they paid XXXX $ only. 

New mail received from : Suttell & Hammer XXXX. XXXX XXXX. XXXX XXXX XXXX, WA XXXX XXXX, fax XXXX Reference XXXX Total : XXXX But which account is this for, both or one? 

Starting on XX/XX/XXXX I am requesting debt validation according to 15 U.S.C. 1692g and 15 U.S.C. 1681i ( 7 ). Please verify that both accounts are XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
Specifically, I would like the following information : 1. A detailed history of payments received ( including amounts collected by XXXX XXXX XXXX and XXXX XXXX XXXX ). 
2. A copy of the signature on the contract.

3. Any insurance claims filed related to this debt.

4. Proof of the chain of title for the collection of this debt. Requesting this copy of chain of title.

5. Forward Flow agreement.

6. Breech of data FERPA- unauthorized access and sharing of my records- failure to provide access to my own records. A letter of complaint being sent to student policy- Education records. 
7. Remove XXXX XXXX I never lived there ; I never been there in my life. 
8. Remove XXXX XXXX I never lived there. 
9. Filed complaint with CFPB ( XXXX ) XX/XX/XXXX The accounts in question are : Please verify : - Account Number 1 : XXXX Opened on XX/XX/XXXX - Account Number 2 : XXXX - Opened on XX/XX/XXXX Please verify that these are the correct accounts for settlement. From XXXX from XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Thank you for your attention to this matter. I also never lived in XXXX XXXX XXXX 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX

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 2025-03-30 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 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 2025-03-30 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, financed through Credit Acceptance Corporation. The sales price in the loan contract provided by Credit Acceptance is {$12000.00}, but the actual bill of sale I have shows the price as {$9000.00}. This resulted in a {$3800.00} discrepancy. I was also overcharged on interest, which I believe was caused by this price difference. 

Additionally, I never signed the loan contract or any related documents that Credit Acceptance claims I signed electronically. The documents in question were either forged or signed without my consent or knowledge. Credit Acceptance maintains that I electronically signed these documents on XX/XX/XXXX, but I did not authorize such a signature. 

On XX/XX/XXXX, I discovered the discrepancy and reached out to Credit Acceptance, notifying them of the issue. They acknowledged the price discrepancy but failed to provide an explanation for the forged or fraudulent electronic signature. After filing a complaint with the CFPB on XX/XX/XXXX, Credit Acceptance issued a partial refund of {$5300.00} and adjusted the price by {$7400.00}, clearing my loan balance. However, they did not address the fraudulent signatures or take full responsibility for their actions.

Despite this, Credit Acceptance denied offering full compensation or addressing the issue of the fraudulent loan documentation. 

Key Dates and Actions Taken : XX/XX/XXXX Credit Acceptance claims I signed the loan contract electronically ( which I did not ). 

XX/XX/XXXX I contacted Credit Acceptance to report the price discrepancy and the fraudulent loan documentation. 

XX/XX/XXXX Credit Acceptance issued a partial refund of {$5300.00} and adjusted the contract price by {$7400.00}. 

XX/XX/XXXX I filed my complaint with the CFPB. 

XX/XX/XXXX Credit Acceptance responded to my complaint but failed to resolve the issue of the fraudulent signatures.

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 2025-03-30 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: CA

Complaint narrative:
I Found these inquiries in my credit report. I dont recognize these inquiries 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 explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-30 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

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 BUREAU is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX other than personal XX/XX/XXXX 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 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 2025-03-30 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: CL Holdings LLC
State: GA

Complaint narrative:
Subject : Request for Debt Validation and Assignment Details Under 15 U.S.C. 1692g This letter is in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt and detailed information regarding the assignment and ownership of the debt.

Please provide the following documentation : 1. The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges.

2. The name of the original creditor, and the account number associated with the original account.

3. A copy of the original agreement that bears my signature and shows I have a legal obligation to pay this debt.

4. Documentation showing that you are authorized to collect on this debt, including a full chain of assignment from the original creditor to your agency, with dates and names of all entities that have owned or collected on this debt.

5. The date of default or charge-off and any applicable statute of limitations information.

Please also confirm whether this alleged debt is being reported to any credit reporting agencies. If so, I formally dispute the debt and request it be marked as " disputed '' in accordance with 15 U.S.C. 1692e ( 8 ).

Until this information is provided, I request that you cease all collection activities, including reporting to credit bureaus, as required by law. 

This is not a refusal to pay, but a request for validation. Be advised that any failure to respond with the requested documentation will be considered a waiver of your claim and a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: MS

Complaint narrative:
In XX/XX/year>, I received an email stating that my personal information had been exposed online due to an Equifax data breach. This led me to check my credit report and I discovered that multiple fraudulent accounts had been opened in my name and were never paid. I disputed the fraudulent accounts with the XXXX major credit bureaus, Experian, Equifax, and Transunion. The disputes were dismissed and verified. I did not open these accounts, have no knowledge of the accounts, and never used the accounts. These accounts are 100 % fraudulent. I spoke to my local law enforcement, who directed me to file an identity theft complaint with the Federal Trade Commission, and I did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: MS

Complaint narrative:
In XX/XX/year>, I received an email stating that my personal information had been exposed online due to an Equifax data breach. This led me to check my credit report and I discovered that multiple fraudulent accounts had been opened in my name and were never paid. I disputed the fraudulent accounts with the XXXX major credit bureaus, Experian, Equifax, and Transunion. The disputes were dismissed and verified. I did not open these accounts, have no knowledge of the accounts, and never used the accounts. These accounts are 100 % fraudulent. I spoke to my local law enforcement, who directed me to file an identity theft complaint with the Federal Trade Commission, and I did.

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 2025-03-30 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-30 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: VA

Complaint narrative:
I have a XXXX  XXXX account And a XXXX XXXX account that were open in my business name And I can show you where on a credit report my information was leaked in a date of breach in XX/XX/year> Company With the name of XXXX  and my information was sold XXXX different brokers previously Also to companies like XXXX, XXXX XXXX XXXX and And some other companies Ive never heard of before. I would like all the wrong information about the account removed from my report. I also have I another report in about high utilization on my existing report. Also that I will be putting on here about a XXXX XXXX account and a XXXX account. do the transactions on my credit card from XXXX XXXX and my debit card from XXXX XXXX identity theft is put a damper on my life and I can not function properly or pay back any of my bills because it is taking more than {$200000.00} out of my bank account and has been used Like only fans and XXXX XXXX XXXX XXXX and other servicesu like that.

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 2025-03-30 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: VA

Complaint narrative:
I have a XXXX  XXXX account And a XXXX XXXX account that were open in my business name And I can show you where on a credit report my information was leaked in a date of breach in XX/XX/year> Company With the name of XXXX  and my information was sold XXXX different brokers previously Also to companies like XXXX, XXXX XXXX XXXX and And some other companies Ive never heard of before. I would like all the wrong information about the account removed from my report. I also have I another report in about high utilization on my existing report. Also that I will be putting on here about a XXXX XXXX account and a XXXX account. do the transactions on my credit card from XXXX XXXX and my debit card from XXXX XXXX identity theft is put a damper on my life and I can not function properly or pay back any of my bills because it is taking more than {$200000.00} out of my bank account and has been used Like only fans and XXXX XXXX XXXX XXXX and other servicesu like that.

Company response to consumer: Closed with non-monetary relief