vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: IL

Complaint narrative:
Account : Systems & Services Technologies , Inc. ( SST ) XXXX XXXX XXXXXXXXXXXX I am unaware of this alleged debt and was not provided any prior opportunity to dispute this account. If you believe that proper notification was sent, please provide verifiable proof specifically certified mail documentation showing delivery and my signature. 

If such proof can not be provided, I request that this account XXXX XXXX XXXX be deleted from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). Continued reporting of unverified information constitutes a violation of federal law and may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/XXXX, I purchased a cappucino from XXXX in XXXX, XXXX XXXX on my Bank of America credit card. The coffee shop is owned by a ceramics shop called The XXXX XXXX. The employee typed in the wrong amount and I was charged XXXXXXXX XXXX for the purchase. I didn't notice this until about 10 days later. I immediately called Bank of America customer service and explained what happened. I asked if I should return to the merchant because I knew exactly where it happened and was advised not to. They told me to claim the charge as fraud and helped me submit a claim on XX/XX/XXXX. On the XXXX, I received a temporary credit on my account until the claim was closed. On the XXXX, I was notified that my claim was denied because I was present for the transaction. The charge returned to my account, causing my statement to exceed its monthly limit. My monthly limit is {$3000.00}, and this charge is 93 % of that limit. I have not received a fee for overdrawing the account, but expect to soon. I went to dispute the charge on the Bank of America website, but the dispute portal is conveniently " temporarily unavailable '' ( pictured in my attached documents ). I then contacted the seller directly. He acknowledged the mistake and apologized ( all our communications are attached in my documents ). He said his bank ( XXXX XXXX XXXXXXXX ) was waiting for my bank to contact them so they could transfer the money back to me ( of course they never did because my claim was denied ). I am currently traveling and this whole situation has caused me to panic quite a bit because I really need that money for nightly accommodation. I have already lost access to the credit card I rely on for ATMs and daily purchases while abroad. Being overseas, I don't have access to my local bank for withdrawals/to resolve these kind of issues and get a new card. I can provide the name and contact info for the merchant, as well as any other necessary details.

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 monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am disputing a wrongful repossession and pending sale by TitleMax of Texas , Inc. 

My XXXX XXXX XXXX ( XXXX XXXX ) was repossessed on XX/XX/XXXX, from private property in the middle of the night without consent, despite an agreed payment extension through XX/XX/XXXX, confirmed by a TitleMax representative ( XXXX, XXXX ). 

TitleMax later sent a Notice of Intent to Sell Property stating a private sale will occur sometime after XX/XX/XXXX. 

On XX/XX/XXXX, I mailed Certified Redemption & Accounting DemanXXXX letters to both TitleMax Legal ( XXXX, TX ) and its registered agent ( XXXX XXXX, TX ). I also filed a formal complaint with the Texas Office of Consumer Credit Commissioner ( OCCC ). 

I am requesting the CFPBs assistance to ensure no sale occurs before XX/XX/XXXX, and that TitleMax provides a complete accounting, lawful payoff statement, and proof of repossession authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX # XXXX Inaccuracies : Listed as open and closed on different bureaus. 

Reported past due with no evidence of liability. 

Violations : FCRA 623 ( a ) ( 1 ) ( B ) : Continued reporting after dispute notice.

FDCPA 809 ( b ) : No validation provided.

FCRA 607 ( b ) : Willful inaccuracy.

FDCPA 807 ( 8 ) : False credit data.

15 U.S.C. 1681n : Willful noncompliance with FCRA.

Resolution : Delete immediately and compensate {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am filing this complaint because Credence Resource Management continued collection activity after a debt was disputed and deleted by XXXX 

I disputed a debt that Credence was reporting with XXXX On XX/XX/year>, XXXX completed the investigation and the account was marked as Deleted from my credit file. Despite the deletion and the active dispute status of the debt, Credence continued to call my cell phone almost everyday in XX/XX/year>. When I answered, the caller identified themselves as Credence. This occurred multiple times after the deletion, which I believe is a violation of my consumer rights. 

Since the debt was deleted by XXXX and Credence failed to provide validation, they were required under federal law to cease all collection activity unless they could validate the debt. Instead, Credence continued to contact me by phone, which I consider harassment and unlawful continued collection activity. 

I believe Credence violated the FDCPA, including but not limited to : 15 U.S.C. 1692c ( c ) continued collection contact after dispute/deletion 15 U.S.C. 1692d harassment by repeated calls 15 U.S.C. 1692e ( 2 ) & 1692e ( 10 ) misleading and deceptive practices I am a Florida resident and I also believe Credence violated the FCCPA ( Florida Consumer Collection Practices Act ), including : Florida Statute 559.72 ( 7 ) harassment through repeated communications Florida Statute 559.72 ( 9 ) attempting to collect a debt not permitted by law Credence had no legal basis to continue calling me after XXXX deleted the account, and I am requesting CFPB assistance to stop this behavior and hold them accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
I am a victim of identity theft and need certain accounts and information removed from my credit report that I did not open or authorize. 
Because of XXXX  recent data breach, I have reason to believe that my personal information may have been exposed and used without my consent. I am requesting that you secure and update my information to help prevent any further misuse.

Under the Fair Credit Reporting Act ( FCRA ) : Section 604 ( 15 U.S.C. 1681b ) requires that you have a legitimate reason or permission to report or share a consumers credit information. I never gave permission for these fraudulent accounts.

Section 605B ( 15 U.S.C. 1681c-2 ) requires credit bureaus to block and delete fraudulent information within four ( 4 ) business days after receiving notice and documentation of identity theft.

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 2025-10-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Clarity Debt Resolution, Inc
State: TX

Complaint narrative:
XXXX ( XXXX minutes ago ) to support Dear Clarity Team, I am writing to formally raise a complaint regarding a breach of agreement : the Clarity Debt resolution failed to negotiate with XXXXXXXX XXXX account # XXXX.... and XXXX account number # XXXX XXXX failure to deliver the agreed debt resolution service. 
Please provide proof of communication attempts with those lenders. 
This situation constitutes a clear breach of your service teams, and it has caused court cases for me, failing to represent me in court, financial inconvenience and loss of trust. Despite my previous attempts to resolve this matter, I have not received any satisfactory response. 

I therefore request an immediate resolution and full refund within XXXX business days. 
Please confirm receipt of this message and advise on the next steps to resolve this issue promptly. 

Thank you for your urgent attention to this matter.

Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am reporting inaccurate and unvalidated accounts being furnished to the credit bureaus by the following companies. I requested validation of each debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including the original signed agreement, itemized statements, and proof of ownership. None of these companies provided proper validation, yet they continue to report to XXXX XXXX XXXX XXXX violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

The accounts are : XXXX Jefferson Capital Systems XXXX ( XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX. ) Acct # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Acct # XXXX I request that the CFPB require these companies to either provide full lawful validation or immediately delete the accounts and all related negative information from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC
State: NM

Complaint narrative:
I have received phone calls multiple times a day demanding payment for a debt that I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX Inaccuracies : Reported as open and charged off at the same time. 

Conflicting payment histories across bureaus. 

Inaccurate date of last payment and date of last activity.

Violations : FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ) : Furnishing false information.

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of account status.

FCRA 611 ( a ) : Failure to delete unverifiable data.

FDCPA 809 ( b ) : No validation notice provided.

15 U.S.C. 1681i : Inadequate reinvestigation procedures.

Resolution : Delete tradeline and compensate {$5000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX # XXXX Inaccuracies : Listed as both open collection and charge-off. 

No documentation of debt transfer or ownership. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing known inaccurate data.

FCRA 611 ( a ) ( 5 ) : Failure to delete unverifiable data.

FDCPA 807 ( 2 ) ( A ) : Misrepresenting character of the debt.

FDCPA 809 ( b ) : No proof of validation.

15 U.S.C. 1681n : Willful noncompliance.

Resolution : Delete and compensate {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-26 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-10-26 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX Inaccuracies : Incorrectly reported charge-off despite zero balance and closure.

Contradictory account notes between bureaus. 

Failure to update or correct after prior dispute. 

Violations : FCRA 607 ( b ) : Failure to ensure data accuracy.

FCRA 611 ( a ) : No reasonable reinvestigation.

FDCPA 807 ( 8 ) : False reporting to a credit agency.

Resolution : Delete immediately and compensate {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : CFPB Complaint Portfolio Recovery Associates LLC Failure to Validate Debt and Continued Reporting Dear CFPB Representative, I am submitting this complaint against Portfolio Recovery Associates LLC ( PRA ) for ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The company continues to report and collect on an alleged debt despite my written disputes and without providing lawful validation.

PRA is furnishing an active collection tradeline on my credit reports showing a balance of {$840.00} as of XX/XX/XXXX, originally opened on XX/XX/XXXX. The company has failed to provide a signed agreement, itemized ledger, or proof of legal assignment establishing the right to collect. This constitutes continued collection activity and furnishing of unverified data in violation of FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ).

I request that the CFPB investigate Portfolio Recovery Associates for failure to validate and for continued publication of this unverified account. I am requesting deletion of the tradeline from Experian, Equifax, and TransUnion unless proper validation is produced.

Supporting evidence ( attached/uploaded ) : Screenshot of the credit report showing PRA tradeline XXXX {$840.00} balance, XX/XX/XXXX ). 

Please consider this letter part of my formal submission and ensure that it is attached to my complaint record for tracking. I appreciate the Bureaus continued enforcement of the FDCPA and FCRA to protect consumers from unlawful reporting and collection activity. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: CT

Complaint narrative:
A data breach at XXXX in late XX/XX/year> exposed the personal information, including names, dates of birth, and Social Security numbers, of over XXXX XXXX individuals via a third-party application. XXXX has confirmed the breach and is notifying affected individuals by mail, offering two years of free credit monitoring and proactive fraud assistance. Affected individuals should secure their accounts by setting up credit freezes, monitoring credit reports for suspicious activity, and being vigilant against phishing attempts. 

I am writing to report that I have been a victim of identity theft. I recently discovered that someone has used my personal information without my permission to open fraudulent accounts make unauthorized charges commit other acts Remove this account I take this matter very seriously and appreciate your immediate attention.i was identity theft victim Please contact me by email or regular mail with any questions or updates.

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 2025-10-26 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: CT

Complaint narrative:
A data breach at XXXX  in late XX/XX/year> exposed the personal information, including names, dates of birth, and Social Security numbers, of over XXXX XXXX individuals via a third-party application. XXXX has confirmed the breach and is notifying affected individuals by mail, offering XXXX years of free credit monitoring and proactive fraud assistance. Affected individuals should secure their accounts by setting up credit freezes, monitoring credit reports for suspicious activity, and being vigilant against phishing attempts. 

I am writing to report that I have been a victim of identity theft. I recently discovered that someone has used my personal information without my permission to open fraudulent accounts make unauthorized charges commit other acts Remove this account I take this matter very seriously and appreciate your immediate attention.i was identity theft victim Please contact me by email or regular mail with any questions or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: CL Holdings LLC
State: MI

Complaint narrative:
I requested that accounts be removed per the fair credit reporting act inaccurate information and dated accounts I never authorized to be open and fraudulent inquires reporting on XXXX XXXX  and XXXX  no action has been taking by the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
So I call this company on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for this inaccurate address and they said they no longer have this account and they cant talk to me this the number they gave me ( XXXX ) XXXX so how is all three bureau damaging my credit file reporting this and I got different in account information reporting wrong and different information on all three bureau

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 2025-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
This company have different amounts reported to different bureaus and also different amount that was sent. I have advised was taken out from identity theft ( wasn't aware of accounts at all )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-10-26 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: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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