vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I applied for a {$40000.00} credit line last year with JetBlu/Barclays and wXXXX unexpectedly approved for only {$1000.00}. I never agreed to this lower limit. Without my authorization, the credit card company transferred {$140.00} from XXXX XXXX account on XX/XX/XXXX. I had no knowledge of this transfer until XX/XX/XXXX as I did not notice it on my statement. 

I did not authorize this charge or agree to activate or use this account under the revised terms. They also reported this account to my credit report multiple times, damaging my score. This is a clear violation of my rights under the Fair Credit Billing Act and Fair Credit Reporting Act. I want this account removed from my credit report, the unauthorized transaction reversed, and compensation for the damage caused. 

My credit went from XXXX to XXXX. 

I called Barclays and was never able to get any where with them. They told me they could not locate my credit application so I asked to speak with the supervisor. I was told the supervisor was not in the office. I asked them to contact me asap. They said the supervisor would contact me but I still haven't heard from them a week later.

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This marks my sixth formal complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their failure to provide legally sufficient documentation validating the alleged debt associated with a XXXX XXXX XXXX credit card account ending in XXXX. 

Despite repeated certified written requests over the past eight months, PRA has failed to produce the legally required documentation showing they have the right to collect on this debt. Specifically, I requested : 1.A full chain of title or assignment history showing the legal transfer of the specific account from XXXX  to PRA.

2. A copy of any Forward Flow Agreement or transfer contract proving PRAs legal standing.

3. Purchase Agreement between PRA and XXXX. 

These requests were attached to this complaint to demonstrate my numerous documented efforts. In return, PRA repeatedly sends the same generic response.

1.A few billing statements that do not match the balance being claimed. 

2. A generic, unsigned letter from XXXX merely stating the account was sold with no proof, no signatures, and no binding legal documentation to back that claim. 

If XXXX sold this debt to PRA. PRA should be able to provide documents showing they legally bought and own this debt, which they fail to provide.

PRAs continued refusal to provide adequate documentation is a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). They have also caused me significant emotional distress, credit damage, and have wasted considerable time and resources. 



Worse still, PRA has now engaged a third-party law firm, XXXX XXXX  XXXX , to pursue collectionseven though the debt remains unverified and disputed. This constitutes continued collection activity on a disputed and unvalidated account, which is a serious violation of federal consumer protection laws. 



This is not simply a disputeit is a pattern of bad-faith behavior, an abuse of process, and a deliberate evasion of legal obligations under federal law. I respectfully demand that the CFPB take enforcement action against PRA, as they have had more than ample timeover XXXX  months and 5 prior complaintsto comply. Their conduct demonstrates an egregious disregard for consumer protections.

I am again requesting the following resolution : Immediate removal of this unverifiable debt from all credit reports.

Immediate cessation of any collection activity by PRA or any third party.

Formal sanctions and investigation into PRAs handling of consumer debt disputes. 




Thank you for your attention to this ongoing and unacceptable situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report, and noticed that I had fruadulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : CREDIT UNIONS Date : XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2025-05-21 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: KS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Tried calling Bank of America on XX/XX/year> for assistance with payment hardship. Their automated phone message system refuses to allow you to connect to a representative without first choosing a problem. They do not list hardship as a problem, and even once you choose something unrelated, it still cycles through trying to get you to choose something else. I spent XXXX minutes trying to navigate it and it refused to connect me when I asked for a representative. This feels wrong. You should be able to connect with your bank if you have a need on your account. The fact that they make it impossible unless you have a common need is wrong and needs to be reviewed.

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 2025-05-21 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: SC

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 non-monetary relief
Consumer complaint received 2025-05-21 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: SC

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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have an account with Care Credit that I have paid every month religiously since I've opened it. I found out recently that there has been a problem going on with my payments since XXXX of this year. I noticed there was a late fee charged to my account. Since I pay my bill early every month, and I also always pay more than my minimum payment I knew something must be wrong. I researched the problem further on the website and found that I was charged a late fee of {$30.00} on XX/XX/XXXX, and a late fee of {$41.00} on XX/XX/XXXX. When I asked why I was charged the fee I was told it was because I hadn't made my XXXX payment by the XX/XX/XXXX due date, when in fact I had made a payment of {$150.00} on XX/XX/XXXX. They told me it could not be posted as my XXXX payment because their closing date is on the XXXX of the month. Any payment made before that time can not be applied to a future month, even though they do apply the money to my account balance. They proceeded to do this again when I paid my XXXX payment on XX/XX/XXXX of {$170.00}, and again when I paid my XXXX payment on XX/XX/XXXX of {$170.00}. I argued the point and got the same ridiculous answer there was nothing they could do. The fact that you are not allowed to pay your bill early makes perfect sense to them and they were doing me a favor by taking off late fees they should have never charged. I agreed then to the representative 's suggestion to wait until XX/XX/XXXX to make my XXXX payment so I did not make it before the XXXX of the previous month, resulting in another early payment causing a late fee. However this resulted in a new problem. 
They still have my bill listed as not being paid because it had been paid too early so when the XXXX bill came out, I now owed 2 months. I called them again and informed them I would not pay a double payment to please make a notation on my account of the pending situation. The amount due that billing period was {$100.00}. I paid {$150.00} on XX/XX/XXXX. The bill was due XX/XX/XXXX. I was charged a {$41.00} late fee on XX/XX/XXXX. Technically my next payment is due XX/XX/XXXX. I don't know what else to do with these people but I can't believe this is legal. I really hope you can help

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 2025-05-21 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of apartment XXXX on XXXX XXXX, an XXXX XXXX  on XXXX XXXX under the account number ending in XXXX, a utilities XXXX XXXX  retail service on XXXX XXXX under the account number ending in XXXX,. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
TransUnion is reporting collection or charge-off accounts from XXXX with account number ending in XXXX dated XX/XX/XXXX with a XXXX balance, as well as XXXX with account number XXXX and a balance of {$2300.00} reported on XX/XX/XXXX. I dispute these entries as they are inaccurate or incomplete. Despite the passage of significant time, the balance and status information reported appear inconsistent with my records and account history. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to maintain accurate, complete, and up-to-date information and to conduct a reasonable reinvestigation within 30 days upon receiving a dispute. 

It is important to note the increasing frequency of data breaches impacting consumer reporting agencies, which could contribute to the inaccuracies reflected in these accounts. These incorrect listings are causing undue stress and financial strain, potentially damaging my creditworthiness and affecting my ability to secure credit or other financial opportunities. I expect TransUnion to adhere strictly to federal law requirements and verify these disputed accounts through original documentation provided by the creditor or collection agency.

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