vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I disputed a debt reported by Portfolio Recovery Associates ( PRA ) and requested full validation under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ). Specifically, I requested : Proof of ownership ( Bill of Sale or Assignment Agreement ) My original signed agreement with the original creditor ( XXXXXXXX  XXXX ) A full payment and transaction history to verify the accuracy of the balance Proof of PRAs legal authority to collect in my state PRA failed to provide proper validation. Instead, they sent a generic letter stating they " own the account '' and provided a statement with an incorrect balance ( {$470.00} instead of {$340.00} ) for account ending in XXXX an nothing for the 2nd account thats was disputed in the same complaint. They did not supply the legally required documentation to prove the debt is valid and enforceable.

Despite their failure to validate, PRA continued reporting the debt, damaging my credit and violating my consumer rights. Their actions constitute potential violations of : FCRA ( 15 U.S.C. 1681s-2 ) Reporting inaccurate or unverified information FDCPA ( 15 U.S.C. 1692e & 1692f ) Engaging in deceptive and unfair collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: NY

Complaint narrative:
They said it was free after registration they ask me to paid and i stop didnt finish the application and next thing i see on my credit report i own them money ( kikoff )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
HELLO TRANSUNION EXPERIAN EQUIFAX, REPEATED OFFENDERS CAN YOU PLEASE SEND ME A COPY OF THE CERTIFIED MAIL THAT I GAVE YOU WRITTEN CONSENT TO FURNISHED THESE ALLEGED ACCTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ON MY REPORTS. YOUR COMPANIES IS VIOLATING USC 6802, USC 6803, USC 1681gA1B23abc456cde7 9 8 10 11 12 USC 1692G, 1692C, USC 1681 E B, USC 1961-1968 GRAHM LEACH BLILEY ACT USC 1028 AGGRAVATED I DENTITY THEFT I NEVER GAVE YOUR COMPANIES TO USE XXXX XXXX XXXX XXXX WITH THESE ALLEGED COMPANIES ABOVE TO BE USED IN COMMERCE ALSO PLEASE SEND CERTIFIED MAIL YOU SENT TO PLEASE ASKING FOR CONSENT TO FURNISHED THE ALLEGED FRAUD ACCTS DEBTS ABOVE TO BE FURNISHED ON MY REPORTS IF YOUR COMPANIES CANT SEND THE CERTIFIED LETTER THAT I GAVE CONSENT TO FURNISHED ALLEGED ACCTS ON MY REPORT PLEASE DELETE IVE NEVER RECEIVED CERTIFIED MAIL.YOU ARE IN CLEAR VIOLATION I WIL RPORT AND MOVE TO LITIGATION STOP COMMITTING FRAUD FOR GAIN THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HELLO TRANSUNION EXPERIAN EQUIFAX, REPEATED OFFENDERS CAN YOU PLEASE SEND ME A COPY OF THE CERTIFIED MAIL THAT I GAVE YOU WRITTEN CONSENT TO FURNISHED THESE ALLEGED ACCTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ON MY REPORTS. YOUR COMPANIES IS VIOLATING USC 6802, USC 6803, USC 1681gA1B23abc456cde7 9 8 10 11 12 USC 1692G, 1692C, USC 1681 E B, USC 1961-1968 GRAHM LEACH BLILEY ACT USC 1028 AGGRAVATED I DENTITY THEFT I NEVER GAVE YOUR COMPANIES TO USE XXXX XXXX XXXX XXXX WITH THESE ALLEGED COMPANIES ABOVE TO BE USED IN COMMERCE ALSO PLEASE SEND CERTIFIED MAIL YOU SENT TO PLEASE ASKING FOR CONSENT TO FURNISHED THE ALLEGED FRAUD ACCTS DEBTS ABOVE TO BE FURNISHED ON MY REPORTS IF YOUR COMPANIES CANT SEND THE CERTIFIED LETTER THAT I GAVE CONSENT TO FURNISHED ALLEGED ACCTS ON MY REPORT PLEASE DELETE IVE NEVER RECEIVED CERTIFIED MAIL.YOU ARE IN CLEAR VIOLATION I WIL RPORT AND MOVE TO LITIGATION STOP COMMITTING FRAUD FOR GAIN THANKS

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 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX BANK XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-03-29 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX BANK XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am filing this complaint against I.C System In regarding an unauthorized debt that has been placed on my account. I did not authorize any transaction, account, or agreement with this company, yet they have reported a debt to my credit file and/or attempted to collect payment from 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DICORVER FINACIAL SERVI : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
I submitted a dispute with XXXX  XXXX XXXX XX/XX/year>. They are still supplying CRAs with inaccurate information on my credit report that is a violation 15 U.S.C 1681s-2 ( 1 ) ( a ). They have the wrong date of delinquency which is a violation of 1681s-2 ( 5 ) ( A ) see case United States V XXXX XXXX  XXXX, XXXX, F.T.C File No XXXX. 

15 U.S. Code 1681e ( b ) - Compliance procedures of accuracy and procedures 15 U.S. Code 1681i ( 5 ) ( ii ) states this information must be promptly deleted. 


15 U.S. Code 1681n ( 1 ) ( A ) civil damages of willfully non compliance will result in monetary damages. 

I want my case to be completed by 30 days as the CRAs are allotted by law. 

Transunion & Experian have different dates and inaccuracys of payment history, date of delinquency, date of last activity, and last reported date. 

Account on my credit report is Transunion # XXXX and account number Experian & XXXX I am submitted a picture of my credit report and inaccuracies

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 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The card failed to process for the first time during my trip to XXXX from XX/XX/XXXX to XX/XX/XXXX. It has failed to process again since a few weeks ago. See Complaints XXXX - XXXX and XXXX - XXXX. 

attached is the evidence that the card is not working. 

I paid annual fee of {$590.00} in XX/XX/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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I am filing this complaint against Aldridge Pite Haan regarding their attempts to collect a debt associated with XXXX XXXX XXXX. ( File XXXX, account ending in XXXX ). Despite my repeated requests for debt validation, including but not limited to documentation of assignment or ownership of the debt, itemized account statements, and legal proof of their right to collect, Aldridge Pite Haan has failed to comply.

Additionally, I believe Aldridge Pite Haan has violated the Gramm-Leach-Bliley Act ( GLBA ) under 15 USC 6801 and 15 USC 6802, which mandate the protection of my nonpublic personal information ( NPI ) and prohibit its misuse or disclosure without proper authorization. Given these obligations, I suspect my financial information may have been improperly handled or shared during this process, particularly in connection with a charged-off debt.

Further, Green v. Portfolio Recovery Associates, LLC, 656 F. ed 1034, 1044 ( 9th Cir. 2011 ), establishes the requirement for collectors to provide clear and complete documentation of their legal standing, which Aldridge Pite Haan has not done.

I respectfully request the CFPBs assistance in ensuring Aldridge Pite Haan : 1. Produces proof of assignment or ownership of the debt, a signed original contract, itemized account statements, and an explanation of their legal right to collect this charged-off debt.

2. Demonstrates compliance with the privacy and safeguard provisions under GLBA, including ensuring that my financial information has been adequately protected and not improperly disclosed or mishandled.

3. Ceases all collection activityincluding reporting to credit bureausuntil this matter is resolved.

Please assist me in compelling Aldridge Pite Haan to provide the necessary documentation or cease further collection efforts. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not liable for these debt, I do not have a contract with collectors, they did not provide me with the original contract as I requested. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have continuously reported IDentity theft issues and have been ignored it seems. I feel I am being forced to try and prove that accounts dont belong to me when in fact it should be up to the creditor to prove that they do. According to the FCRA it is the responsibility of a data furnisher to provide true and accurate information when reporting information to be recorded on my Consumer Report. Furthermore the FCRA prohibits any company that has purchased a debt from its original creditor to provide 3rd party data with regard to an original debt once the debt has bee charged off, sold, or abandoned by its original owner. Even as some on the accounts on my credit are known to be fraud, and were previously removed from my credit report, i find that the removed items in some cases have been resold as bad debt to another company for collection.

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 2025-03-29 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: PA

Complaint narrative:
I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT, PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN.

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 2025-03-30 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: FL

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 rectify these issues. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am reporting a tradeline associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was shut down and issued FDIC enforcement orders in 2008 to cease reporting and delete certain accounts. Despite this, a related account is still appearing on my credit report under Continental Finance Company ( CFC ). I have requested verification and removal, but the account remains. I believe this violates FDIC orders and possibly the Fair Credit Reporting Act ( FCRA ).

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 2025-03-30 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

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 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On/around XX/XX/year> I submitted ( attachment A ) via XXXX mail to Experian. I submitted substantial identifying information about myself and the accounts I am disputing. Including he following inaccurate accounts : - XXXX acct XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I printed from home dispute, signed and sent via XXXX  mail On/around XX/XX/year> XXXX letter dated XX/XX/year> ) I received a stall/refusal to investigate letter ( attachment B ) from Experian. Stating they are, " unable to locate credit 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My SERVE Amercan Express card was used at multiple locations with atm withdrawals that I did not do. They had just locked my card letting me know it was suspicious activity. Then I had to call in to get it unlocked. I saw it was a withdraw for {$200.00} I had just used the atm and was charged a fee of XXXX. I couldn't have been in 2 places at once. There were also other transaction withdraws that I did not do for {$180.00}, {$80.00}, and another one for {$200.00}. I just wanted them to do a better investigation and let me see how it was done. I can't get them to send me the papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
This account has been deleted then reinserted into my consumer report without notifying me. This account also shows incorrect information. These are violations of the CFPB.

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 2025-03-29 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: MD

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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