vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received a collections notification via mail for I XXXX Systems and I would like verification of the original payment history along with original signed contract with signature. I need the date of XXXX XXXX as well. I haven't received anything to verify this account. If they cant provide this need to be removed.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

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 XXXX XXXX XXXXhat 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: MI

Complaint narrative:
Dear Audi Financial Services, I am writing to formally dispute the handling of my account and to demand immediate action to correct what I believe to be a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Dispute Summary : I was waiting for a final balance or payoff statement from your office to complete the payment on my account. I made good faith efforts and was explicitly waiting for XXXX XXXX XXXX  to notify me with the remaining amount due. I was never sent this information, nor was I warned that my account would be submitted to a third-party  collection agency. 

Instead, the account was referred to XXXX XXXX a debt collector, without prior written notice which violates 15 U.S.C. 1692e ( regarding misleading representations ) and 15 U.S.C. 1681s-2 ( duty to provide accurate credit reporting ). I did not receive : Any final payment demand ; Any notification of default ; Any communication that the account would be submitted to collections ; Any opportunity to resolve the matter directly before it impacted my credit report. 


This collection action was taken without my knowledge, consent, or prior notice, and therefore is an inaccurate and unfair entry on my credit report. Additionally, since no agreement exists between me and the XXXX  agency ( XXXX XXXX, I do not acknowledge this debt as valid until the original dispute with XXXX XXXX is resolved. 


XXXXImmediate removal of the account from all credit reporting agencies ( XXXX XXXX XXXX  ) XXXX 
XXXXWritten confirmation that the entry has been deleted or corrected. 
XXXX detailed, itemized account statement showing all transactions, communications, and the original balance due ( if any ). 
XXXXOpportunity to resolve the account directly with XXXX XXXX XXXX without the involvement of any XXXX XXXX 

Please consider this my formal dispute of the account. I am requesting a full investigation and resolution under the FCRA. If I do not receive a response within XXXX business days, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may pursue other legal remedies available under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was looking at my credit report and i saw XXXX accounts opened fraudulently. 

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I contacted the original creditor to negotiate a resolution, but they stated the account had been sold to a collection agency and provided a contact number. The following day, I called the collector, who informed me the account had already been transferred to legal and could not be collected, as it was over XXXX XXXX oldbeyond the statute of limitations under New York State law ( XXXX XXXXXXXX ). 

Despite the account being time-barred and unverifiable, I made a good-faith effort to resolve the matter. However, the collector could not provide documentation or proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ). Additionally, any attempt to collect a time-barred debt without clear disclosure of its status may also violate the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX and XXXX. 

I am requesting immediate cessation of all collection activity and that this account be permanently closed and removed. Continued pursuit of this debt may constitute deceptive or unfair practices under both federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed XXXX accounts reported by XXXX XXXX XXXX on my transunion credit report ( File Identification Number : XXXX on XX/XX/XXXX and XX/XX/2025 ). I asked Transunion to provide full validation including the original contract with XXXX XXXX, a chain of assignment, and legal documentation authorizing XXXX XXXX to report this debt. None of this was provided. 

Despite the lack of validation, transunion closed the dispute and kept both accounts on my report. This is a violation of the Fair Credit Reporting Act ( FCRA ). The reporting is misleading, incomplete, and unsupported. The accounts were sold, and I believe XXXX XXXX does not have the legal standing or documentation to report them. 

I am requesting deletion of these XXXX accounts from my transunion report or a full reinvestigation with documented proof as required by law.

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 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Collection : XXXX  Southwest Credit Systems Date : Paid on XX/XX/year> Requested collection to be removed Results : Not Removed Collection : XXXX  Southwest Credit Systems Date : Paid on XX/XX/year> Requested collection to be removed Results : Not Removed Collection : XXXX  Southwest Credit Systems Date : Paid on XX/XX/year> Requested collection to be removed Results : Not Removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
The landlords representative has openly yelled, screamed, and shouted across the parking lot regarding the debt. There is an XXXX female, unknown what her name is. She rented an apartment in the building and has stalked from the property address to the next property address for collection activity, there is shouting and XXXX in the parking lot, slashed my tires and stole the brand new brakes from the parked car saying that it was because money was owed. There were ashes and insecticides all over the unit, the stairs, and in the entry garage. There were blocked path walkways and the XXXX cleaning person who has long dark wavey hair was engaged in XXXX activity and XXXX  collection for units where they believed they needed to partake in collection activity. 

There is also a XXXX  who has used an email address which was associated with XXXX XXXX address or computer use at XXXX XXXX address who is stalking and has added the old email back to resolved debts, saying that the money is still owed. 

She was in the hallway, and is engaged in XXXX  of persons for debt collection. There were XXXX of them, XXXX is XXXX XXXX, the other is church affiliated a XXXX named XXXX. Both were stalking the apartment and have gone through the documents which were on the desk, attempting to collect for disputed transactions resulting from another account with identity theft. They were stealing packages and XXXX benefits from XXXX XXXX and state in my 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
see complaint XXXX the company gave a XXXX answer about ME contacting the State ( which I will ) they did not address their employees incompetence nor address that I did not abandon my account they did not address me trying for months to get my money out is anyone reviewing the company 's response? do I need to be a big shot to get something done?

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Atlas Credit Company, Inc.
State: VA

Complaint narrative:
Atlas Credit called me the other day stating I had a positive balance to borrow since I've been making payments on my loan. I filled out the paperwork to get that positive balance deposited into my bank account and this morning the money was in my account and I started using the funds. A few hours later i signed into my bank account to see what my balance was and my account was negative because Atlas took the money back. I called Atlas to see what happened because they just took the money back with no explanation and they said when they switched systems there was an error where the system said I had a positive balance but I actually didn't have a positive balance to borrow from so they took the money back and left my checking account in a negative state without any solution to fixing their error.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 
1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$170.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$220.00}

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the unlawful reinsertion of a previously blocked tradeline related to a fraudulent auto loan serviced by XXXX XXXX. 

This tradeline was originally XXXX  under FCRA XXXX after I submitted all required documentation in early XXXX, including a police report and identity theft affidavit. Experian complied with this request and removed the item from my credit report. However, it was reinserted in XX/XX/year> without the legally required XXXX advance notice, which led to my initial CFPB complaint filed on XX/XX/year> ( Complaint # XXXX ). 

Following that complaint, Experian once again removed the item confirming that the documentation I provided was sufficient to fulfill the requirements of XXXX. However, in XX/XX/year>, the same tradeline was reinserted for a second time without any prior notification, again violating the notification provisions of FCRA XXXX ( a ) ( XXXX ) ( B ). 

I called Experian and was told that the reinsertion occurred because XXXX XXXX claimed to possess a signed application, loan agreement, and copy of a driver 's license in my name none of which were verified by Experian or provided to me for review. Experian informed me that this documentation was considered proprietary and thus would not be shared with me, even though it was used to override my previous identity theft block. This contradicts FCRA XXXX ( XXXX ) ( XXXX ) ( C ), which does not permit Experian to unilaterally assess the validity of a consumers identity theft claim once the statutory requirements for blocking have been met. 

There is no legal basis under the FCRA for a CRA to remove a XXXX block without first notifying the consumer in writing and providing a reasonable basis for believing the block was made in error or fraudulently none of which occurred here.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX. XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) XXXX 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 conviction of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm an identity fraud victim and everything that I have put on my affidavit and FTC report is fraud ; nt items that XXXX XXXX XXXX XXXX. The Police have been notified of this and I need to remove these fraudulent accounts, addresses and inquiries please.

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 2025-05-28 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:
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 non-monetary relief
Consumer complaint received 2025-05-28 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:
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 non-monetary relief
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
I disputed this account with the credit bureaus and requested full validation from Portfolio Recovery Associates. Despite my request, they failed to provide any documentation proving that the alleged debt is mine, including a signed contract, full payment history, or legal chain of custody from the original creditor. They have continued to report this debt to the credit bureaus without validating it, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Their failure to provide proper verification and continued reporting of a potentially inaccurate debt is damaging my credit profile and constitutes a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief