vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Formal Dispute and Complaint Regarding Abusive Debt Collection Practices by Portfolio Recovery Associates To Whom It May Concern, I am writing to formally dispute two debt entries reported by Portfolio Recovery Associates on my credit report : {$30000.00} {$2400.00} Both entries are marked as Error Needs Attention and are causing significant harm to my credit profile and financial well-being.

Beyond disputing the validity of these debts, I am compelled to report that Portfolio Recovery Associates has engaged in practices that I believe violate the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ). Specifically : Harassment and Abuse : I have received repeated and excessive phone calls, including multiple calls within short periods, which I believe are intended to annoy, abuse, or harass me, in violation of 12 CFR 1006.14 ( b ).

False or Misleading Representations : Representatives have made statements that misrepresent the amount owed and have implied consequences that are not legally permissible, contravening 12 CFR 1006.18.

Failure to Provide Validation : Upon request, Portfolio Recovery Associates failed to provide adequate validation of the debts, including documentation proving that I am legally obligated to pay these amounts, as required under the FDCPA.

These actions constitute unfair, deceptive, and abusive practices as defined by the CFPB and are prohibited under federal law.

Investopedia I respectfully request that the CFPB : Investigate these accounts and the collection practices employed by Portfolio Recovery Associates.

Ensure that Portfolio Recovery Associates provides proper validation for the alleged debts.

Take appropriate enforcement action if violations are found.

Attached are copies of my credit report highlighting the disputed entries and any correspondence received from Portfolio Recovery Associates.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IN

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 2025-05-29 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
I spoke with represntative that handles the credit card issuance for XXXX on XX/XX/year> and they were not able to assist and transferred me to XXXX XXXX XXXX. I spoke with a representative name " XXXX '' and explained my situation. I made a payment through the XXXX portal on or around XX/XX/year>2025. My priorty for being in the portal was to make a payment in the amount of {$250.00} in order to not be 30 days late for a payment and to avoid late payment credit reporting. In additiona while in the portal I noticed an account closure notice so I submitted an inquiry in their portal. In the message I asked why is my account being closed when my credit score was over XXXX at the time. There was no reply to the message, however, on XX/XX/year> I received an alert from Experian saying my credit score " decreased '' due to a missed payment from XXXX. I was never late past 30 days with any of the payments for XXXX until this one which appeared to be suspicious because the payment was not processed this one time after asking about why the account was being closed. XXXX did say that they will be investigating this matter, but I have lost some confidence in this process being that the situation resulted to significantly drop which would justify their account closing.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding what I believe to be an unfair and abusive practice by American Express. On XX/XX/year>, American Express charged my personal XXXX XXXX account an annual fee of {$690.00} and {$190.00}. Shortly thereafter, they abruptly canceled my account without providing any of the benefits that are supposed to be associated with this premium fee. American Express typically reimburses fees for voluntary closures within 30 days. In this case, because it was closed for a " Business Reason '', they claimed this policy is not applicable and they essentially stole {$890.00}. I did not violate any of their terms or conditions. I was also assured via their phone customer service representatives that I would be reimbursed the fee. 

American Express promoted this card with a set of benefits that justified the high annual cost, such as travel credits, lounge access, and other perks. However, after the fee was posted and paid, the account was terminated before I could access or use any of these benefits. 

I had other cards with American Express for which I paid an annual fee but got at least partial value, and I am fine with paying the annual fee for those. What I am not fine with is to be charged such a substantial amount with no opportunity to realize any value. This is a predatory practice. 

I respectfully request the CFPB review this matter and hold American Express accountable for this abusive and unjustified business action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] Date : [ XX/XX/year> ] To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Failure to Provide Validation of Debt Continued Collection Activity in Violation of the FDCPA Dear Jefferson Capital, This letter is in regard to the alleged debt you claim I owe, referenced by account number [ XXXX ]. 
On [ XX/XX/year> ], I sent a formal Debt Validation Letter under my rights as granted by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, requesting that you provide adequate validation of this alleged debt. As of today, I have not received any of the following information : Proof that you have the legal right to collect on this debt, including a copy of the assignment or purchase agreement.

A complete accounting or statement showing the original debt, including itemized charges and interest.

Verification of the original creditor and documentation showing my obligation to them.

According to the FDCPA, a debt collector must cease collection activities until the requested debt validation is provided. Continuing to pursue collection or reporting this debt to credit bureaus without proper validation is a violation of federal law.

I demand that you : Immediately cease all collection activities, Remove any reporting related to this alleged debt from all credit bureaus, and Refrain from any further contact until you provide the legally required validation of the debt.

If you continue to report this debt to any credit bureau without proper validation, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA and FCRA.

This is a formal notice. Please govern yourselves accordingly. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXXXX/XX/year> To : [ LVNV Funding LLC ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DEMAND FOR DEBT VALIDATION CEASE ALL COLLECTION UNTIL VERIFIED Account Number : [ XXXX ] To Whom It May Concern, This letter is being sent to you in response to your [ letter/call/email ] dated [ XX/XX/year> ]. I do not acknowledge any debt to your agency or any entity you represent. Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), 15 U.S. Code 1692g ( b ), I demand strict validation of this alleged debt. This is NOT a refusal to pay, but a demand that your office provide competent evidence of my legal obligation to pay you.

Until you provide the following documentation, you are required to CEASE ALL COLLECTION ACTIVITY immediately, including phone calls, letters, credit reporting, and threats of legal action.

I demand the following : The original creditor 's name and address.

A complete account history, including all charges, payments, and interest calculations from the inception of the alleged debt.

A copy of the original signed contract or agreement bearing my signature, showing I agreed to assume this debt.

Proof of your legal right to collect this debt, including a copy of the assignment, transfer, or purchase agreement giving you authority.

If you have reported this account to any credit bureau, provide proof that such reporting complies with the Fair Credit Reporting Act ( FCRA ).

Failure to comply with this request will result in immediate complaints to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the State Attorney Generals office. I will also consider all legal remedies available to me, including claims for violations of the FDCPA, should you continue collection efforts without proper validation.

Let me be crystal clear : Do not contact me again unless and until you have provided ALL of the required documentation listed above. Any further attempts to collect this alleged debt without full validation will be documented and used as evidence in formal complaints and potential legal action.

You have 30 days from receipt of this letter to comply. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX  * * * * Balance : {$0.00} XXXXXXXX XXXX XXXX * * * Balance : {$220.00} XXXX XXXX XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), 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 Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-29 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: FL

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), 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 Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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: 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation