vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This complaint is against Portfolio Recovery Associates , LLC ( XXXX ) for knowingly and willfully violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by attempting to collect and actively reporting an alleged debt of {$240.00} that has not been properly validated. 

Despite my written dispute and debt validation request, Portfolio Recovery continues to report this account to XXXX, XXXX, and XXXX, damaging my credit and violating multiple provisions of federal law. 

Violations and Legal Basis : XXXX. Failure to Validate Debt FDCPA 809 ( 15 U.S.C. 1692g ) : On XX/XX/XXXX, I sent XXXX a formal written request for debt validation regarding this alleged {$240.00} account. XXXX has not provided : Any signed agreement or contract bearing my name ; Proof that the debt is valid and collectible ; Evidence of legal ownership or assignment from the original creditor. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), collection activity must immediately stop until proper validation is provided. XXXX has ignored this mandate and continued to report the unverified debt. 

XXXX. Furnishing Inaccurate and Disputed Information FCRA 623 ( 15 U.S.C. 1681s-2 ) : Portfolio Recovery is reporting this debt to all XXXX  major credit bureaus without investigating my dispute, violating its legal obligation to ensure maximum possible accuracy. 

In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ), the court ruled that furnishers must conduct a reasonable investigation into any disputed debt. XXXX has failed to meet this standard. 

XXXX. Misrepresentation of Legal Status FDCPA 807 ( 15 U.S.C. 1692e ) : By continuing to report an unverified debt, XXXX is misrepresenting the legal status of the debt and deceiving credit bureaus and future creditors. This is a deceptive collection practice and a direct violation of 15 U.S.C. 1692e ( XXXX ) ( A ). 

XXXX. Unfair and Unconscionable Practices FDCPA XXXX ( 15 U.S.C. 1692f ) : Reporting a debt without verification, despite written notice of dispute, is an unconscionable method of collection under 15 U.S.C. 1692f ( XXXX ). As seen in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ), such conduct supports legal relief for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I received communication from XXXX XXXX  attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within five ( 5 ) days of that initial contact.

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law.

Despite this failure, they have proceeded to report this debt to one or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete.

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the 5-day notice requirement, their reporting and collection activity is unlawful.

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 2025-04-30 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: IL

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!

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 2025-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am a victim of Identity theft. Experian notified me of an account I had not opened on XX/XX/year>. I immediately contacted Affirm Inc. Who had sent a 60 day late notice from this account to Experian to dispute this account as fraud.

Then I reported the Identity theft and fraudulent account from Affirm to the police and FTC as Identity theft. I sent these reports to Affirm. The fraudulent account number is XXXX. Affirm has not given me any access to this account nor have they they removed a 60 day late notice from my credit report. Affirm has not given me any specific information detailing activities on this fraudulent account or how they are determining how it was made and what it was used for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
This month I payed off my debt to TenagliahuntXXXX. I agreed to pay XXXXXXXX XXXX in one year but I did it faster. I called this company many times and left voice mails with asking them for closing my case and proof of my pay off, no answer from their side. 
Instead of this on their website is scheduled payment for next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
I am filing this complaint against Wakefield & Associates , Inc. for willfully violating federal consumer protection laws by unlawfully reporting and attempting to collect an alleged {$670.00} debt that has not been validated. Despite my formal written request, Wakefield & Associates has refused to provide legally required documentation, yet continues to report this invalidated debt to XXXX XXXX XXXX XXXX, harming my credit profile and financial opportunities. 

Their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and demonstrate a pattern of abusive, deceptive, and unfair debt collection practices.

Details of Violation : 1. Failure to Validate Debt 15 U.S.C. 1692g ( b ) : On [ Insert Date ], I mailed a formal Debt Validation Request to Wakefield & Associates , Inc. regarding an alleged {$670.00} account. To date, they have not responded with any of the required documentation, including : A signed agreement or contract with my name ; A full accounting of the amount alleged ; Proof of assignment or legal authority to collect the debt.

Under Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ), collection efforts must cease until a debt is validated. Wakefields failure to comply makes their continued actions unlawful.

2. FCRA Violation 15 U.S.C. 1681s-2 : Wakefield continues to furnish inaccurate and unverified information to all three credit bureaus, despite knowing the debt is disputed and unvalidated. This violates their obligations under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) to investigate and correct disputed accounts.

In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), the court held that furnishers must conduct a thorough and reasonable investigation. Wakefield has done neither.

3. No Contractual Basis for Collection Lack of Privity : Wakefield has failed to produce a contract bearing my signature. Under Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ), the absence of a valid agreement precludes collection and credit reporting.

4. Deceptive and Misleading Practices 15 U.S.C. 1692e : By reporting a legally unverified debt and misrepresenting its legal status, Wakefield is engaging in deceptive conduct prohibited under the FDCPA.

5. Unfair Collection Practices 15 U.S.C. 1692f : Attempting to collect or report a debt without validation constitutes an unfair and unconscionable collection method. See McMillan v. Collection Professionals Inc., 455 F.3d 754 ( 7th Cir. 2006 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent Experian a request for my credit report to be mailed to my XXXX XXXX XXXX XXXX, TN XXXX. Instead, they sent it to a completely different address than whatt I requested and sent it to my XXXX XXXX XXXX XXXX, GA XXXX. I specifically requested the background report and the credit score and they refused to send it. A supervisor called mye tonight to discuss these issues and she ended up hnging up on me. 
I told her that I also expected that Experian Health reports would be sent to me and I asked for all background reports and my requests were ingnored. 

I also told them that I wanted XXXX XXXX XXXX 's information on the Personal statement to include every time a company asks for my credit report and to provide XXXX XXXX XXXX 's name and email ; XXXX ; and his phone XXXX of for case XXXX for identity theft/misidentification filed in XXXX XXXX, TN XXXX 

I also told them I needed my maiden name of XXXX listed. I want my mother 's maiden name of XXXX listed and also my ex husband 's name of XXXX XXXX XXXX and that we are divorded since XX/XX/XXXX. 

I want it listed that I gradguated form XXXX XXXX XXXX XXXX XXXX and Graduated in XXXX of XXXX and got my Dental hygienist licenses. I also want it listed that I received my TN license for Accidental Health and Dismemberment, Health and Life licenses in XXXX and that I requested to inactivate my license in TN in approximately XXXX. I need it listed that I only have one brother XXXX XXXX XXXX. My Parents are XXXX and XXXX XXXX. I am NOT an XXXX DONOR. they have refused to place these important details. they are refusing to place my social security number on my credit report and I want the last 4 digits on my account. Also place that I have a Legislative Freeze on my account. I will review my background reports against this credit report. 

I also told them that i want the police report for a mix up of patient records and naming XXXX which is in my police report XXXX also filed in XXXX XXXX TN.

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 2025-04-29 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: PA

Complaint narrative:
I am writing to urgently address this account that needs to be deleted off of my credit report immediately. This is an Inaccurate account and is reporting inaccurate as this account was paid and full. I proceed to call XXXX AND XXXX -! : they confirmed that the account was paid and full and needs to be deleted off of all 3 credit bureaus immediately! Document is attached. Account Name : XXXX & XXXX Account number : XXXX Date Opened : XX/XX/year>2025 Balance : {$420.00} Under 15 U.S.C. 1681c-2 ( a ), I request that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If this issue is not resolved within the specified time frame, I will pursue legal action and seek damages of {$1000.00} per violation under 15 U.S.C. 1692k. This legal action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is urgent, and I appreciate your immediate attention to this dispute. Please confirm the prompt removal of this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. Someone used my personal information to open up a credit card and some imquiries were made. Ive never gave anyone permission or authorization to use my personal information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Someone used my personal information to open up a credit card and some imquiries were made. Ive never gave anyone permission or authorization to use my personal information!

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 2025-04-30 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: CUSTOMERS BANCORP, INC
State: WI

Complaint narrative:
It was discovered on XX/XX/year> that a loan was taken out in my name, social security number and address ( different phone and email address ) fraudulently due to identity theft for {$22000.00}. 

On XX/XX/year> I sent a formal objection to dispute this loan. I included a copy of the FTC Identity Theft Report, proof of identity, a police report and requested this be corrected. 

On XX/XX/year> I received a letter from Customers bank that they determined this debt was " Valid ''. 

Later on XX/XX/year> I sent a second letter disputing their results and requested a copy of the full investigation be sent to me. I have not had follow up from that time. 

On XX/XX/year> I received a letter from XXXX XXXX XXXX XXXX attempting to collect this fraudulent debt. 

I am looking for resolution and to clear my name of this fraudulent loan.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an XXXX XXXX XXXX XXXX XXXX XXXX issued by XXXX. I stopped using the card in XX/XX/XXXX and paid off the full remaining balance of {$41.00} at that time, believing my account had returned to a {$0.00} balance. 

Shortly after, the same {$41.00} charge reappeared. I called XXXX and was told the charge had been previously marked as fraud and had to be waived as such. I specifically asked the representative to confirm this because I believed it looked like a duplicate charge rather than actual fraud. She insisted it would be treated as fraud and that I shouldnt worry about it recurring. 

Despite this, XXXX has since re-applied the same {$41.00} charge multiple times. In XX/XX/XXXX, it appeared again for the third time, and I only realized it in XXXX because I believed my card still had a {$0.00} balance. As a result, the charge went unpaid and two late fees were appliedone of which XXXX removed after I contacted them. However, there is now a second late fee of {$41.00} and a {$2.00} minimum charge, bringing the current balance to $ XXXXdespite the fact that I stopped using this card in XXXX of last year and paid the original charge. 

On XX/XX/XXXX, I called XXXX again. The representative confirmed that the issue is under investigation and said all chargesincluding the recurring {$41.00} and the late feesshould be removed. However, I was not given a clear timeline. 

Meanwhile, XXXX has reported a 30-day late payment to Equifax, dropping my credit score by XXXX points ( from XXXX to XXXX between XX/XX/XXXX and XX/XX/XXXX ). This has caused serious and unfair damage to my credit profile due to a charge that should never have been repeated, and which XXXX itself has handled inconsistently over multiple months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: OH

Complaint narrative:
So here 's the deal. I received a letter stating in order to complete my dispute I need to request a XXXX XXXX Credit Report. I already did. I was then asked to provide my : Name Last XXXX of your social Date of birth Current phone number Current Address Credit report # Descriptions with each item on the report that you are disputing You have already received all of this. 

And your stall tactics are illegal. 

I am now documenting this.

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 2025-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
3 Accounts were opened with Bank of America that I did not open. 
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The collections company called me in XX/XX/XXXX, but I had no knowledge of the accounts.

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 2025-04-30 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:
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 2025-04-30 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: CT

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