vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX  open in XXXX  after phone was lost and email was hacked, found XXXX XXXX  was open and I DID NOT OPEN THIS ACCOUNT BEST BUY Account was closed and reopened again I DID NOT REOPEN, I closed account out once I paid it off! 

XXXX was closed SOMEHOW REOPENED HAD PURCHASE MADE, I did not do purchase! 

I had my phone stolen, my wallet stolen and fraud on my credit report.

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 2025-06-26 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: IL

Complaint narrative:
This letter serves as a formal dispute and request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, regarding the alleged debt you claim I owe. 

Upon reviewing my credit report, I have discovered that Portfolio Recovery Associates LLC is inaccurately reporting as the original creditor, which is a false and misleading representation in violation of 15 U.S.C. 1692e ( 2 ) ( A ). I have no contract or agreement with your company, nor have I ever conducted business with you directly. You are a third-party debt buyer and are misrepresenting your role in this matter. 

Additionally, I never received the legally required written notice within five ( 5 ) days of your initial communication, informing me of my right to dispute the alleged debt. This is a clear violation of the FDCPA and places the burden of proof squarely on your company.

Accordingly, I am demanding the following documentation : A copy of the original signed agreement between me and the original creditor. 

A complete chain of title and all assignment or purchase agreements, clearly showing that Portfolio Recovery Associates LLC has legal standing to collect this alleged debt. 

A full accounting and itemized breakdown of the alleged balance, including original charges, fees, interest, and payments. 

Proof that your company is licensed and authorized to collect debts in my state, including your state license number. 

Until you provide all of the above documents, you are to cease all collection efforts, including credit reporting, phone calls, letters, or any third-party involvement. If this account is currently being reported to any credit bureau, and you fail to fully validate it, I demand immediate deletion from XXXX XXXX XXXX XXXX 

If you do not respond within 30 days of receipt of this letter, I will assume you can not validate the debt and will take appropriate action, including filing formal complaints with the Federal Trade Commission ( FTC ), and the Attorney General of my state. You may also be subject to civil liability for continuing to pursue collection without validation.

This is a direct dispute of the alleged debt and a demand for immediate validation. Please update your records and cease all collection activity unless and until full validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MI

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts hav

e blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-26 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:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts hav

e blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-26 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: CA

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 may 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 2025-06-26 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: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX regarding their continued collection activity and credit reporting on an alleged debt that has not been properly verified or validated in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

On XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> I sent a written dispute and debt validation request to XXXX XXXX XXXX after discovering a collection account # XXXX listed on my credit report. I specifically requested the following documentation : The name and address of the original creditor A signed contract or agreement proving the debt is mine A detailed itemization or payment history of the alleged amount Proof that XXXX XXXX XXXX has legal authority to collect on this debt As of today, I have not received any of the requested documentation. Despite this failure to validate the debt, XXXX XXXX continues to report this account to the credit bureaus. This is a direct violation of the FDCPA, and may also constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

This unresolved issue is negatively affecting my credit profile and causing undue stress. I am therefore requesting that the Consumer Financial Protection Bureau investigate XXXX XXXX XXXX for the following violations : Failure to respond to a debt validation request as required by law Continuing to collect and report a debt without proper validation Potential violation of FCRA by furnishing unverified information to credit reporting agencies I respectfully request that this account be removed from all credit reporting agencies unless proper documentation can be provided. Additionally, I request that XXXX XXXX cease all collection activity until full and lawful validation has been provided.

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 2025-06-26 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: CarMax, Inc.
State: FL

Complaint narrative:
information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : carmax financial XX/XX/scrub>XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I have received a copy of my credit report after receiving multiple notices of my personal information being compromised in a date breech. I noticed that I had several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life credit and my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Never heard of this company never had a car loan from company I will take legal action if they do not remove me on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Sunbit, Inc.
State: FL

Complaint narrative:
Never heard of this company never had a car loan from company I will take legal action if they do not remove me on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I was pre-approved for financing with XXXX XXXX through XXXX. I never received any treatment or services, and canceled my appointment. I mistakenly believed the financing was not final until the service was performed. I never signed a service acknowledgment or received treatment. Despite this, my account was charged {$1000.00} and I was enrolled in a XXXX payment plan. 

I contacted XXXX to dispute the charge, but they are still billing me. Ive also contacted XXXX to confirm that no services were rendered. I am asking CFPB to help void the charge and stop future payments for a service I never used. I also request the removal of negative credit reporting caused by this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this statement in connection with a formal complaint against XXXX XXXX regarding the inaccurate reporting of a 30-day late payment for XX/XX/XXXX, which is now negatively impacting my credit. This derogatory reporting occurred despite my repeated good faith efforts to remain current on my account. 

In XXXX and XX/XX/XXXX, I was granted a payment deferment. At the time, my account was enrolled in autopay. However, I was never informed that the deferment would deactivate autopay. I only became aware of this change in XX/XX/XXXX, when I received notice of a missed payment. I immediately contacted XXXX, made the payment, and re-enrolled in autopay. 

In XX/XX/XXXX, I again received a late notice to even though my account was on autopay. When attempting to make a payment through XXXX online system, I experienced technical issues and was forced to complete the payment manually by phone. I again confirmed autopay had been reactivated.

On or around XX/XX/XXXX, I was notified that I was over 30 days past due for the XXXX payment. I had received no prior warning of this issue and had relied on the belief that autopay was functioning. XXXX online platform continued to display no payment due during this time, including on and after the due date, which created confusion and directly contributed to the delinquency.

This pattern of inadequate disclosure, misleading online information, and lack of timely notice raises serious compliance concerns. I believe XXXX actions violate the following : Truth in Lending Act ( TILA ) : for failure to clearly and accurately disclose billing and payment information.

Fair Credit Reporting Act ( FCRA ) : for reporting inaccurate credit information without reasonable investigation or notice.

CFPBs UDAAP Standards : for deceptive practices that mislead borrowers about their payment obligations and account status.

As a result, I have suffered damage to my credit score, increased borrowing risk, denied credit, and unnecessary emotional stress and time lost. I respectfully request that the 30-day late payment for XX/XX/XXXX be removed from my credit reports, and that XXXX XXXX be held accountable for its misleading practices and lack of compliance with federal regulations.

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 2025-06-26 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: OH

Complaint narrative:
Im writing to demand the immediate removal of a fraudulent account that has appeared on my credit report. This account was opened without my knowledge or consent and is a direct result of unauthorized use of my identity. 

Let me be absolutely clear : I did not apply for, open, or authorize this account in any way, shape, or form. I have no affiliation with the company behind it, and Ive never had any communication or relationship with them. The presence of this account on my credit file is the result of identity theft plain and simple and it is both inaccurate and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXXXXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXXXXXX XXXX- XXXX XXXX, XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX- XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX - XXXX XXXX, XXXX 9. XXXX - XX/XX/XXXXXXXX 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 2025-06-26 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: LA

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 and inquiries 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 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 2025-06-26 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: NV

Complaint narrative:
This complaint pertains to two closed accounts on my TransUnion credit report that are inaccurately reflecting late payment notations despite being paid in full or otherwise resolved in good standing. The accounts in question are XXXX XXXX XXXX XXXX account number ending in XXXX, dated XX/XX/XXXX, and XXXX XXXX XXXX, account number ending in XXXX, dated XX/XX/XXXX. Both of these accounts are listed as Closed and either Paid or Paying as Agreed, yet TransUnion continues to display derogatory late payment marks associated with them. 

These late payment notations are not only misleading they are completely unfounded. Once an account is closed and fully satisfied, the continued reporting of negative payment history without adequate documentation is both harmful and unlawful. I have not received any supporting documentation from TransUnion or the furnishers validating the alleged delinquencies tied to these dates. This lack of verification raises serious questions about the integrity of TransUnions reinvestigation process and its compliance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable and thorough reinvestigation when a consumer disputes inaccurate information. Furthermore, 15 U.S.C. 1681e ( b ) mandates that consumer credit files must reflect maximum possible accuracy. By continuing to publish unverifiable late payment entries on closed and resolved accounts, TransUnion is failing in its legal duty and actively misrepresenting my creditworthiness.

It is important to emphasize that this is not a case of identity theft. These inaccuracies are not due to any wrongdoing on my part but are the result of faulty data reporting and negligent reinvestigation practices. I do not consent to the placement of a fraud alert because this matter does not stem from fraud it stems from TransUnions inability or unwillingness to correct erroneous data after repeated disputes.

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 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I don't recognize this account being reported under my personal information ; this debt doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I'm reaching out to formally dispute an account listed on my credit report that is completely unfamiliar to me and not mine in any way. I do not recognize this account, I have never opened or used it, and I have never had any relationship with the creditor listed. Simply put : this account is unknown to me and is clearly a case of mixed or incorrect data being attached to my credit file.

This is a serious issue, and I am demanding that this matter be addressed immediately and thoroughly. I work hard to maintain and protect my credit, and I will not allow inaccurate, misreported, or misattributed information to tarnish my record.

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