vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I decided to terminate my 1-year membership with XXXXXXXX XXXX XXXXXXXX. My membership began on XX/XX/XXXX and in XX/XX/XXXX, I went in person to tell them that I do not wish to renew my membership. The employee at the front desk told me he had cancelled my membership and that I would not be charged anymore after XXXX. I repeatedly ask to make sure that there will not be any additional fees or charges after XXXX. The employee confirmed that I will not be charged anymore. Nevertheless I was charged again in XX/XX/XXXX and I had to file a claim with my bank to stop them from charging me. Then, XXXXXXXX XXXX turned me over to Aldous & Associates to collect the debt that I have no reason to pay. XXXXXXXX XXXX  charged me {$42.00} but the bill sent by Aldous & Associates was {$150.00}. Also, in the letter, XXXX XXXX XXXX threatened to report me to the bureau and damage my credit score. When I called them to discuss the discrepancy and ask for an explanation for the amount, the woman on the other line cut me off at every word, screamed at me, and just hung up. She refused to release crucial information and intentionally concealed the information I have legal rights to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Follow-Up and Request for Update Identity Theft Victim Request to Block and Delete Fraudulent Accounts Dear Transunion Consumer Services , Im writing to follow up on the identity theft report I submitted regarding fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Transunion data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under 15 U.S.C. 1681c-2 ( a ), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 non-monetary relief
Consumer complaint received 2025-08-06 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: DISCOVER BANK
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue XXXX before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with DISCOVER BANK or any of the affiliates. I have confirmed and advised DISCOVER BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how DISCOVER BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that DISCOVER BANK has the right to investigate and obtain all necessary information prior to approving any credits, DISCOVER BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, DISCOVER BANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that DISCOVER BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to DISCOVER BANK 's online advertisement, DISCOVER BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from DISCOVER BANK stating that my information was used or attempted to be used in order to open an account. Thus, DISCOVER BANK has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, DISCOVER BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for DISCOVER BANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Ive requested a written settlement agreement for this account multiple times. I was told a line of credit can not be settled, which is false. I am only able to make a lump sum payment, and Ive been denied that option without justification. 

Additionally, NetCredit continues to issue vague threats about " collection procedures '' without clarity. I believe this violates fair debt collection practices and demonstrates refusal to work with a consumer in good faith. 

Im requesting CFPB assistance in compelling NetCredit to either : -Provide a written settlement option -Cease further collection threats -Remove or adjust this account under XXXX XXXXFCRA guidelines if they can not resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
RE : Formal Debt Validation Request pursuant to 15 U.S.C. 1692g To Whom It May Concern, This letter is being sent to you in response to a collection account reporting on my credit profile. Be advised, this is not a refusal to pay but a demand for validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e. 

Under the FDCPA, I have the right to request full validation of any debt you allege I owe. Until you provide the documentation I have requested, you are prohibited by law from continuing collection efforts, reporting to credit bureaus, or pursuing legal action. Failure to comply constitutes a violation of federal law. 

You must provide me with ALL of the following : The name and address of the original creditor. 
A detailed accounting and breakdown of the alleged debt, including : The amount of the original debt All interest, fees, and payments applied The full chain of title showing how the debt was legally transferred to your company A copy of the original signed contract or agreement that legally obligates me to pay. 
Proof that your company is legally licensed and authorized to collect debt in my state. 
Verification that the statute of limitations on this debt has not expired. 
A sworn affidavit or notarized statement from the original creditor affirming the validity and accuracy of the alleged debt. 
You are hereby notified that any attempt to collect this debt without full validation violates 15 U.S.C. 1692g and may result in legal action for statutory damages, attorneys fees, and any actual damages sustained. This includes, but is not limited to, reporting this unvalidated debt to credit bureaus, continuing to call or write, or threatening legal action. 
Take notice : You have XXXX  days from receipt of this letter to provide full validation. 
Any further contact without proper validation will be considered harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 
All future communications must be made in writing only. 
GOVERN YOURSELVES ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
RE : Formal Debt Validation Request pursuant to 15 U.S.C. 1692g To Whom It May Concern, This letter is being sent to you in response to a collection account reporting on my credit. Be advised, this is not a refusal to pay but a demand for validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e. 

Under the FDCPA, I have the right to request full validation of any debt you allege I owe. Until you provide the documentation I have requested, you are prohibited by law from continuing collection efforts, reporting to credit bureaus, or pursuing legal action. Failure to comply constitutes a violation of federal law. 

You must provide me with ALL of the following : The name and address of the original creditor. 
A detailed accounting and breakdown of the alleged debt, including : The amount of the original debt All interest, fees, and payments applied The full chain of title showing how the debt was legally transferred to your company A copy of the original signed contract or agreement that legally obligates me to pay. 
Proof that your company is legally licensed and authorized to collect debt in my state.

Verification that the statute of limitations on this debt has not expired. 
A sworn affidavit or notarized statement from the original creditor affirming the validity and accuracy of the alleged debt. 
You are hereby notified that any attempt to collect this debt without full validation violates 15 U.S.C. 1692g and may result in legal action for statutory damages, attorneys fees, and any actual damages sustained. This includes, but is not limited to, reporting this unvalidated debt to credit bureaus, continuing to call or write, or threatening legal action. 
Take notice : You have XXXX  days from receipt of this letter to provide full validation. 
Any further contact without proper validation will be considered harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 
All future communications must be made in writing only. 
GOVERN YOURSELVES ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am writing to formally file a consumer complaint against XXXX XXXX XXXX and Fortiva Retail Credit, regarding the deceptive sales tactics and contract obligations imposed upon me. I am a currently resident of XXXX, Florida. 

On the day of the contract, a door-to-door XXXX salesperson visited property I was paying rent for at the time. I expressed that I needed time to think about the offer, but he insisted that we start that same day. Despite explaining that I had other plans, the technician was sent over immediately to begin installation. I was rushed through the documentation process and felt pressured to sign in order for the salesman to move on to the next house. I was told that I could cancel at any time and return the equipment, but I was not informed that this cancellation option was limited to just XXXX days. 

I did not fully understand the nature of what I was signing due to the pressure and speed at which I was being processed. A month into the service, I realized something was wrong when my account was charged, despite the salesperson offering me the first XXXX months free. I called XXXX to address the issue, and while they apologized, they continued charging me month after month. When I attempted to cancel, I was told I was outside of the three-day cancellation window. 

Not knowing how to fight the contract, I continued to pay for the service. XXXX tried to make up for the mistake by offering me a real three-month credit, but then began charging me late fees for the unpaid services, which increased my payment beyond the original agreement. Now, I am moving to a new residence that can not accommodate Vivint equipment, but I am being told I must pay upfront for the remaining contract period through XXXX and still make payments to Fortiva for the equipment loan. 

This situation feels exploitative and deceptive. I would not have agreed to these terms had I been clearly and fairly informed. I am requesting an investigation into XXXX and XXXX practices, as I believe they have engaged in misleading and unfair business conduct in violation of Florida consumer protection laws. 

I hope that your office will consider my complaint seriously and take appropriate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I recently saw this as collection on my credit and I have no idea what it is. I feel like this should not be on my credit and is negatively affecting my credit.

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 2025-08-06 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: GA

Complaint narrative:
IN XX/XX/year> I CONTACTED EXPERIAN ABOUT AN ACCOUNT AND ADDRESS ON MY CREDIT REPORT THAT DID NOT BELONG TO ME IADVISDED EXPERIAN THAT I SPOKE TO THE COMPANY AND THAT THEY HAD NO KNOWLEDGE OF THIS ACCOUNT AND INFORMATION OF ME EXPERIAN IN XX/XX/year> REMOVED THE ADDRESS AND ACCOUNT IN XX/XX/year> EXPERIAN PLACED THE ACCOUNTV RIGHT BACK ON MY REPORT I CALLED AND EXPLAIN WHAT THEY DID BUT NO ACTION WAS TAKEN TO THIS DAY.

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 2025-08-06 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: KS

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ). 

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-08-06 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
The following hard inquiries were noted on my report and not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The following hard inquiries were noted on my report and not authorized by me : XXXX XXXX XXXX XXXX XXXX Capital One Auto Finance XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding Equifax / Experian / TransUnion/ which has failed to comply with the Fair Credit Reporting Act ( FCRA ) in handling inaccurate and disputed credit reporting information on my credit report. Under 15 U.S. Code 1681o, a consumer reporting agency or furnisher of information may be held civilly liable for negligent noncompliance with the FCRA. Their failure to correct known inaccuracies, or to conduct a reasonable investigation following my dispute, constitutes a clear violation of this statute. As a result of this negligent noncompliance, I have suffered damage to my credit reputation, denial or higher cost of credit or insurance, emotional distress and frustration, time and money spent attempting to resolve this matter. I respectfully request that the CFPB,, hold the party accountable for FCRA violations under 1681o, and help facilitate the removal of this erroneous item from my credit report. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian/Equifax/Transunion inaction violates federal law and my rights as a 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