vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt. 

Until such validation is provided, this account should be reported as disputed under the XXXX XXXX guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My citizens loan was reported late to credit bureau.I made a payment over phone ( to a person ) .Because of the holiday weekend, ( as I was just told today ) on XXXX, that it was considered late! There is always an issue with citizens bank! This is the only loan company that I always have an issue with! Now i have to deal with this again! This is like the 3rd time! First time i paid in person at a branch, and still was reported late! How is that possible.Something needs to be done about this bank.I paid with a checking account on file.It is not my fault if they take to long to process.And I wasnt made aware of this when I called to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
I am a victim of identity theft due to the XXXX  XXXX XXXX. The information listed below, which appears on my credit report, relate to transaction ( s ) that I have not made. The following accounts reported on my credit report have transactions that are the result of identity theft. 

Creditor Name/ Debt Collector : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name/ Debt Collector : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name/ Debt Collector : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Creditor Name/ Debt Collector : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name/ Debt Collector : XXXX XXXX Account Number : XXXXXXXX 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 2025-09-04 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: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy and legality of a repossession-related account currently reported on my credit file. The actions taken by the creditor in this matter violate both Florida state law and federal consumer protection statutes, and I am requesting an immediate reinvestigation and removal of the account from all credit reports. 

Violations of Law and Procedure My vehicle was repossessed without prior issuance of a Notice of Default or Right to Cure, which is required under Floridas consumer protection laws. Following the repossession, I was not provided with a Notice of Sale or a Deficiency Balance Notice, as mandated by UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed.

Furthermore, the account is being reported to credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

Specific Issues The reported balance does not reflect the resale of the repossessed vehicle, as required under Florida Statutes 679.610679.614, which govern the disposition of collateral and notification of deficiency.

I have not received a 1099-C form or any documentation showing cancellation of debt or resale proceeds, which is necessary to validate the remaining balance.

The repossession may have violated Florida Statutes 537.012, which outlines lawful repossession procedures, including notice requirements and peaceful recovery.

Under the Fair Credit Reporting Act ( FCRA 611 ), I am entitled to a reinvestigation of any item I believe to be inaccurate or unverifiable.

Request for Documentation Unless the reporting creditor can provide the following documentation, I request that this item be deleted from my credit report : A copy of the original loan agreement and title documentation. 

Proof of lawful repossession procedures and compliance with Florida notice statutes. 

A copy of the 1099-C form or equivalent documentation showing cancellation of debt or resale proceeds.

A full accounting of the resale transaction, including sale price, fees, and calculation of any deficiency balance. 

Action Required Please conduct a thorough reinvestigation and respond within the 30-day window required by the FCRA. Enclosed are copies of my credit report highlighting the disputed item, along with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MA

Complaint narrative:
I am disputing inaccurate credit reporting by XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. 
On my TransUnion report, XXXX XXXX is being reported as 30 days late as of XX/XX/year>. This is factually impossible because the account was opened XX/XX/year> and closed XX/XX/year>. The account was only open for 10 days and never even had a billing cycle long enough to generate a payment due, let alone a 30-day delinquency. 
Both XXXX  and XXXX have already corrected this tradeline after my disputes. TransUnion is the only bureau still reporting the false derogatory mark, based on inaccurate furnishing from XXXX. 
This constitutes a violation of XXXX  duties under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers to provide accurate information and to correct inaccuracies once notified.

I am requesting that XXXX immediately : Retract the false 30 days late reporting from TransUnion. 
Ensure all credit reporting agencies reflect accurate, updated information. 
Provide confirmation that this inaccurate derogatory mark has been deleted. 
This false reporting is causing ongoing harm to my credit and is a clear FCRA violation.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my Experian and Transunion credit report regarding the following account : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX ( lease ) I recently reviewed my credit report and noticed an account that was not reporting accurately. This discrepancy violates the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) I have five late payments on Experian, and four lates on Transunion accounts that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following datesXXXX i am now requesting you investigate and provide verifiable proof with records showing that had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MN

Complaint narrative:
I've been doing business with XXXX XXXX for over 8 years and then all the sudden they just close my account out I told him I have a dinner theft so it might have been something else but they are not telling me why my accounts closed they said something about the rules regulations and no one 's getting mail information and I didn't appeal process you say it takes 30 days and then they can either reopen my account or just leave it like that I don't think that's good practice business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Credit Reporting Agency, I am writing to dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Section 611 ). Please investigate the following account and either delete it or correct the reporting to ensure it is 100 % accurate, verifiable, and compliant with the law.

Account in Dispute : Creditor : XXXXXXXX XXXX XXXX Account Type : Credit Card Reported Balance : {$4600.00} Reported Limit : {$4000.00} Status : Charge-Off / Derogatory Date Opened : XX/XX/XXXXXXXX  Date Closed ( as reported ) : XX/XX/XXXXXXXX  Grounds for Dispute : Contradictory Status ReportingThe account is simultaneously listed as a Charge-Off and under a Partial/Modified Payment Agreement. These statuses can not both apply at the same time and constitute inaccurate reporting in violation of FCRA 607 ( b ). 
Balance After Charge-OffThe creditor reports an active balance of {$4600.00} after charge-off. Once an account is charged off or sold, the balance must reflect {$0.00}. Continuing to report a collectible balance after charge-off constitutes a false representation of the legal status of the debt, violating both FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). 
Over-the-Limit ReportingThe account shows a utilization rate of 116 %, with a reported balance exceeding the original {$4000.00} limit due to fees and interest. Such inflated post-charge-off balances are unverifiable, misleading, and in violation of FCRA 607 ( b ).

Payment History Errors / Re-Aging of DebtThe payment history reflects new late notations in XXXX despite the account being reported as closed as of XX/XX/XXXX. This constitutes improper re-aging of the account, which is prohibited under FCRA 623 ( a ) ( 5 ). 
Conflicting IdentifiersMy credit file reflects multiple variations of my name and addresses tied to this account ( e.g., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, raising serious concerns of mixed-file or inaccurate file association, which further violates FCRA 607 ( b ). 





Requested Action : Pursuant to FCRA 611 and FCRA 607 ( b ), I formally request that this tradeline be : Deleted entirely from my credit file if it can not be 100 % verified with original source documentation from XXXXXXXX XXXX XXXXXXXX, OR Corrected immediately to accurately reflect : {$0.00} balance {$0.00} past due Status Transferred/Closed with no derogatory or late payment notations post-charge-off If this account is verified, I also demand the method of verification be disclosed to me, including the name and contact information of the party who verified the accuracy, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 


I expect the results of your investigation within 30 days, as required by federal law. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt. 

Until such validation is provided, this account should be reported as disputed under the XXXX XXXX guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: KY

Complaint narrative:
In XXXX of XXXX, I noticed a credit card was opened in my name. I did not open this account. I filed a dispute and it got denied. I filed a dispute again, in XX/XX/XXXXXXXX  after I found out it was still in my credit report. I thought it was taken care of in XXXX  but I was wrong. I called the credit card company and gave them information telling them that the address that was on the card was not my card. I told them my address and that my identity was stolen and they opened the credit card under my identity. The lady on the phone said she took the information, made a report and I would get a call back from the investigation team. A week went by. Maybe two. I received no phone call and the dispute for denied. I disputed it again, XXXX XXXX and it got denied again. I called them, telling them about the denied report and that it was fraudulently opened, and again they told me they made a report and they would call me back. No phone call. I made multiple reports, and it eventually got taken off my report. Thats when some guy named XXXX, denied my report and complaint, saying his information was factual and the card got put back in my report and under my name. The address they have wrote down, was originally in Georgia. I have not one stepped in Georgia or have I lived in Georgia. At this point, Im giving them one more time to fix it, or I will be getting a lawyer. I have made more than 4 reports and have called them more than 3 times. This is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion is inaccurately reporting late payment notations for my XXXX XXXX account ending in XXXX for XX/XX/XXXXXXXX  and XX/XX/XXXX. These late payment entries are incorrect, incomplete, and unverifiable. 

XXXX XXXX, XXXX, I mailed a formal dispute letter to TransUnion regarding this inaccurate reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of any information I dispute as inaccurate. Additionally, under 15 U.S.C. 1666b, late fees and late reporting are not permitted if proper notice and billing were not provided within the required timeframe. 

Despite my dispute, the inaccurate late payment notations remain on my credit file. These derogatory marks are harmful to my credit standing and constitute a violation of my rights under federal 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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Please remove this account from my credit report because its Fraud open without my knowledge Police report attached and i will be filling with social security office and changing my driver license number and filing with CFPB. 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 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 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The alleged balance of {$7100.00} is not valid due to the following circumstances : While I was a tenant at XXXX XXXX XXXX, I was the victim of an assault in my unit that resulted in severe damage to the apartment. I promptly reported this incident to management and provided supporting documentation multiple times. The property management acknowledged my safety concerns and agreed to relocate me into another unit, but failed to follow through. 

Because of managements failure to provide a safe living environment and relocation as agreed, I had no choice but to vacate the premises after notifying them of my departure. Therefore, the charge for abandonment and subsequent balance is unjust, inaccurate, and not legally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-04 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: MI

Complaint narrative:
XXXX XXXX you have two options 1 to update the late 30 day history to current paid on time never late or 2 removal of the account from all 3 bureaus. I dont have time for your back and forth XXXX games. When I have more than enough evidence to just make you guys pay a fine monetary relief and file a subpoena against you and the bureaus. 


XXXXXXXX XXXX XXXX delete account

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 2025-09-04 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: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question include XXXX XXXX XXXX, which XXXX XXXX  confirmed would be removed but remains on my report ; it is identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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