vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: OH

Complaint narrative:
From your response to my complaint I understand that you are a third party debt collector that purchased the debt from XXXX XXXX. I officially request all documentation from that purchase to include the actual price paid for the debt that you paid to XXXXXXXX XXXX not the original debt ammout. Also I would like the purchase agreement, chain of title, and all original documents for the purchase of the debt along with any other information about your purchase on this debt. I also requesting the original creditors charge-off account documentation. 
I would also like the offical signed complete contact I signed from the original debtor not blacked out copies of papers you can not read that you previously provided? Furthermore I want to know the exact amounts paid for my debt because that is what is owed to Portfolio recovery not the original debt they are falsely reporting to the credit reporting agency. Under US code 1692e, Us code 1692f and US code 1692j Portfolio recovery is violating FDCPA regulations. Portfolio recovery is reporting that I owe them the original debt falsely when all I owe them is what they paid for the debt which they are knowingly reporting falsely to me and the credit reporting agencies. Can you explain how that is reporting correct, fair, and accurate information? That alone is a FDCPA violation andshouldberemovedimmediately. By FDCPA regulations you now own the debt not me because you purchased the debt without my authorization or knowledge for a significantly lower purchase price. Under FDCPA regulations and 15 US code 1692g you must provide the requested information not blacked out so it can be read and understood. If you can not provide the requested information completely than this debt must immediately be removed from all credit reporting agencies. Furthermore this is a very deceptive practice of purchasing a debt for a lesser amount and not disclosing the purchase price. By law you must furnish the exact requested information under FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and damaging information being reported on my credit file regarding a XXXX XXXX account that was closed in XX/XX/ 2023. Despite the accounts closure, it continues to reflect late payment activity, which is both misleading and harmful to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

It is inaccurate and unfair for a closed account to continue to report late payments, as no further credit activity should be occurring on a closed account. This misreporting has significantly impacted my credit score and is creating unnecessary hardship during a critical time in my financial life. 

My SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This company repeatedly contacts my family members sharing my personal information without my permission. Family members are calling and texting me with my account number from this company. This company calls me 10+ times a week after I have asked them to send all communications in writing. The account and debt was also sold to another collector and I have no clue what this is for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I recently reviewed my credit report and was surprised to find a 30-day late payment reported by Navy Federal Credit Union for XX/XX/year>2024 on my secured credit card account ( Account # XXXX ). 

This account has otherwise been in good standing and is still open. I was not aware of any missed payment, as I believed I had paid it on time or that automatic payments were set up. At the time, I was also dealing with a medical emergency and traveling internationally, which may have interfered with my ability to access my banking and statements. Additionally, my bank temporarily blocked my checking account due to suspected fraudulent activity, which could have delayed a payment. 

I was never notified that the account was late, and I corrected any potential issue promptly. This late mark is inaccurate, harmful, and misleading, especially considering the circumstances and the quick resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : TXXXX XXXX/2025XX/XX/year>

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 2025-04-11 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: FL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX XXXXhat I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Subject : FCRA and FDCPA Complaint Request for Full Deletion of Credit File Information To Whom It May Concern, I am writing to file a formal complaint against all three major credit reporting agencies for failure to safeguard my personal information and for reporting unverifiable and unauthorized data on my credit profile. 

As a victim of identity exposuredue to my information appearing on the dark webI no longer consent to the reporting of any financial activity under my name. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting assistance in enforcing my right to have all data removed and to prevent further harm resulting from the misuse of my information. 

I request the CFPB ensure compliance by all data furnishers and consumer reporting agencies involved in reporting this information. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/year>

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 2025-04-11 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:
Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Subject : FCRA and FDCPA Complaint Request for Full Deletion of Credit File Information To Whom It May Concern, I am writing to file a formal complaint against all three major credit reporting agencies for failure to safeguard my personal information and for reporting unverifiable and unauthorized data on my credit profile. 

As a victim of identity exposuredue to my information appearing on the dark webI no longer consent to the reporting of any financial activity under my name. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting assistance in enforcing my right to have all data removed and to prevent further harm resulting from the misuse of my information. 

I request the CFPB ensure compliance by all data furnishers and consumer reporting agencies involved in reporting this information. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To have the inaccurate account be deleted immediately. 

I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The late reports should have been updated per XXXX XXXX XXXX as I got the account paid up. The creditor agreed and never sent updated letter to remove the late payments from XXXX 2023 XX/XX/year>2023 as I had a tragic passing of my dad around that time. Please update all 3 bureaus Equifax, XXXX, Transunion

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 2025-04-11 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: LEXISNEXIS
State: NV

Complaint narrative:
XX/XX/year>2024 I contacted the XXXX XXXX Bankruptcy XXXX and asked how and who do they advise of a bankruptcy? I was then advised by mail this information is not shared Then I contacted the four credit bureaus XXXX, LexisNexis, XXXX and XXXX. I advised of this information and gave proof from bankruptcy courts by disputing. XX/XX/year>2024 I received results stating this account remains. Report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-11 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Request for Removal of Outdated Address from Credit Report To Whom It May Concern, I am writing to formally request the removal of an outdated address from my Experian credit file. Please find all necessary details and documentation below to support my request. 

1. Personal Information Full Name : XXXX XXXX XXXX Date of Birth:XXXX SSN ( Last 4 Digits ) XXXX Current Address : XXXX XXXX XXXX , XXXX MD XXXX Address to Be Removed The following address is outdated and no longer associated with me : Old Address You Want Removed is XXXX XXXXXXXX XXXX , XXXX MD XXXX This address is no longer my residence and should not be reported on my credit file. I am not using this address for any current or active credit accounts. 

Legal and Regulatory Notes : Please be advised that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and correct inaccurate or outdated personal information on my credit report. Once you receive this dispute, you are required to investigate and respond within 30 days. 
I am also aware of the recent legal action filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian concerning its handling of consumer disputes. I trust Experian will take this request seriously and process it promptly and accurately in accordance with all applicable federal laws.

Request for Action : Please investigate and permanently remove the outdated address listed above. I request written confirmation once the change has been made. 

Thank you for your attention to this matter.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy Fraudulent Purchase Statement XX/XX/XXXXXXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX On XX/XX/XXXXXXXX I received an email alert from Best Buy that an order was ready for pickup. I called Best Buy and successfully canceled the order and disputed the claim ( XXXX ). The Best Buy Primary Account Team ( XXXX ) explained an alert / flag would be placed on the account and escalated the dispute to the fraud team, ( Case ID : XXXX ). After everything is submitted to the fraud department it would be 24-48hrs. However, I found out an order for a laptop was picked up on XX/XX/XXXX, XXXX XXXX. XXXXand another laptop was picked up on XX/XX/XXXX, XXXX XXXX. XXXX by an individual listed as family & friends XXXX XXXX on the order pickup. Both orders list my name as the customer with my phone number, email and an incorrect address. I XXXX the address, its a valid address, just not mine. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). The XXXX  used ended in XXXX is not my XXXX and it is a different XXXX number than my Best Buy credit card. It was an online dot com purchase, with pickup at Best Buy at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. On XX/XX/XXXX, I went to Best Buy, spoke with the manager ( XXXX ) who hands me a card explaining XXXX requests for camera footage needs to come from XXXX/Best Buy law enforcement support team. Email : XXXX. XXXX XX/XX/XXXX another XXXX  ending in XXXX Exp XX/XX/XXXX ( address : XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX was added and saved as a payment method in my Best Buy Account. I deleted both XXXX from the payment methods and deleted XXXX XXXX under family & friends. 
I called and spoke to XXXX and filed a fraud complaint with XXXX XXXX # XXXX, who explained itll be forwarded to XXXX XXXX XXXX, XXXX. Case No. XXXX. I did freeze my credit with the three bureaus and reported identity theft to federal trade commission via XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief