vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX  XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 
XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
XXXX XXXX bought the debt from XXXX XXXX. the balance that is showing as owed is incorrect. please request all statements and final owed amount from collection company. the balance is not XXXX. The balance owed is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/year> ( XXXX ) Resurgent Receivable LLC Re : Formal Dispute & Request for Validation FDCPA 1692g | Cease Communication Notice FDCPA 1692c To Whom It May Concern : I am contacting you regarding an alleged debt that you claim I owe. 
This letter serves as my formal written dispute of the alleged debt and my request for full validation as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ).

I. Dispute of the Alleged Debt FDCPA 1692g ( b ) Under 1692g ( b ), once I dispute the debt in writing, you must cease all collection activity until you provide proper validation.

Therefore, I request the following : 1. The name and address of the original creditor.

2. A complete itemization of the amount you claim is owed.

3. A copy of the original signed contract or agreement showing I am legally obligated to pay.

4. Proof of your legal right to collect, including any assignment or transfer of the alleged debt.

5. A complete account history, showing how the balance was calculated.

Until you provide all required validation, you must cease collection efforts.

II. Cease and Desist Communication FDCPA 1692c ( c ) Under 15 U.S.C. 1692c ( c ), I hereby request that you stop all communication with me, including calls, letters, emails, texts, or contacts to third parties.

The only communication you are legally allowed to send after receiving this letter is one of the following : 1. A statement that you are terminating further collection efforts, or 2. Your required debt validation as requested above.

Any other communication will be considered a violation of federal law.

III. Notice of Record Keeping Please note : I am documenting all communications related to this matter. Any violation of FDCPA statutes may result in complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and state Attorney General, and may result in civil action under 15 U.S.C. 1692k.

IV. Required Response You must respond within the legal time frame and provide full validation.

If you can not validate the debt, you must : Cease all collection activity, and Request that any credit reporting agency delete the account as unverified.

Thank you for your prompt compliance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I contacted my bank regarding charges that were not authorized by me. Explaining that my card had been compromised. And the charges were not mines. I was given temporarily credit. But a few months later they were all reversed stating the charges were made by me or someone I know.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: VA

Complaint narrative:
XXXX is reporting inaccurate and misleading information on my credit report, and Upgrade Inc is furnishing incorrect data. This involves an Upgrade Inc account that was charged off in XXXX and closed in XX/XX/XXXX, but XXXX is reporting it as if a new delinquency or negative event occurred in XX/XX/XXXX. 

The account is a closed charge-off with no balance. No payments have been due since XXXX, and there has been no activity on this account since XXXX. My reports from XXXX XXXX XXXX confirm this, showing no updates after XXXX XXXX and no XXXX activity. 

However, XXXX  shows a Last Updated date of XX/XX/XXXX, which causes the account to appear as a recent late payment or newly delinquent event, even though no such activity occurred. A charged-off account can not legally have new delinquency because there are no payments due after charge-off. 

This XXXX  update is factually false, misleading, and constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ), which prohibits furnishers from changing the Date of First Delinquency or making a negative event appear newer than it is. XXXX  also violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy. 

This inaccurate XX/XX/XXXX reporting is harming my credit score, including my mortgage score, by making an old charge-off appear recent. 

Requested Resolution : I am requesting that XXXX  and Upgrade Inc correct this inaccurate reporting by removing the false XX/XX/XXXX update and restoring the original charge-off timeline from XXXX. If XXXX  or Upgrade can not verify the accuracy of the reporting without re-aging the account, I am requesting that the account be deleted entirely from my XXXX  report. 

XXXX XXXX XXXX do not show this incorrect XX/XX/XXXX update, which further proves this is an XXXXspecific reporting error. 

I am providing screenshots showing : Correct reporting from the other bureaus The inaccurate XX/XX/XXXX XXXX update The original dates of delinquency and closure That no XXXX late payments or activity ever occurred Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am the victim of identity theft. Experian is reporting multiple fraudulent accounts, derogatory marks, repossessions, late payments, and 15 hard inquiries that I did not open or authorize. These items resulted from identity theft and are harming my credit. 

Fraudulent Accounts : 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 BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Hard Inquiries ( XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO, XXXX XXXX, XXXX XXXX, XXXX, and others. 

I uploaded : FTC Identity Theft Report Notarized Identity Theft Affidavit Fraudulent item list Proof of ID & address Copy of Experian report Experian has not yet blocked the fraudulent items under FCRA 605B, which requires blocking within 4 business days.

Requested resolution : I request that Experian block and remove ALL fraudulent accounts, derogatories, repossessions, and hard inquiries from my file within 4 days pursuant to FCRA 605 ( b ), and confirm in writing via email : ( your email ).

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 2025-11-15 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: CA

Complaint narrative:
I am the victim of identity theft. Experian is reporting multiple fraudulent accounts, derogatory marks, repossessions, late payments, and 15 hard inquiries that I did not open or authorize. These items resulted from identity theft and are harming my credit. 

Fraudulent Accounts : 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 BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Hard Inquiries ( XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO, XXXX XXXX, XXXX XXXX, XXXX, and others. 

I uploaded : FTC Identity Theft Report Notarized Identity Theft Affidavit Fraudulent item list Proof of ID & address Copy of Experian report Experian has not yet blocked the fraudulent items under FCRA 605B, which requires blocking within 4 business days.

Requested resolution : I request that Experian block and remove ALL fraudulent accounts, derogatories, repossessions, and hard inquiries from my file within 4 days pursuant to FCRA 605 ( b ), and confirm in writing via email : ( your email ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Under 15 U.S.C. 1681s-2 ( b ), once a dispute is forwarded to the furnisher by a credit bureau , the furnisher must : Investigate Review all information Correct inaccuracies Report results back to the bureau Failure to do these correctly is the basis of most credit reporting lawsuits. 

Since this has been reported as a charged-off account and written off as a profit loss, the original credit was intended to provide a 1099-C, which the creditor never produced, yet it shows a written-off profit loss. This is incorrect and needs to be removed CITICARDS CBNA 100 % Balance {$6300.00} Balance updated XX/XX/XXXX Credit limit {$6200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card PAYMENT XXXX XXXX Status Account charged off. {$6300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Comments- Contact info Address 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 explanation
Consumer complaint received 2025-11-15 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: MA

Complaint narrative:
To Whom It May Concern, I am filing a formal and urgent complaint against Portfolio Recovery Associates regarding a collection account ( Acct # XXXX XXXXXXXX, Balance : {$1900.00} ). This debt is inaccurate, incomplete, and entirely

unverifiable. Portfolio Recovery has repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 1 ) FCRA VIOLATION 15 U.S.C. 1681e ( b ) Reporting agencies must maintain maximum possible accuracy. Portfolio Recovery is reporting a collection without a signed contract, itemized billing, proof of assignment, or liability documentation. 2 ) FCRA VIOLATION 1681i ( a ) ( 1 ) ( A ) & 611 A reinvestigation must be reasonable and supported by competent evidence. Automated data matching is not lawful verification. 3 ) FCRA VIOLATION 1681i ( a ) ( 5 ) ( A ) If a furnisher can not verify with physical documentation, the information must be deleted immediately. 4 ) FDCPA VIOLATIONS 15 U.S.C. 1692g & 1692cc Definition of 15 U.S.C. 1692g Validation of Debts : This law requires a debt collector to prove the debt before they can collect or report it. They must provide a signed contract, itemized statements, proof of assignment, and full accounting. They can not continue reporting or collecting until proper validation is supplied. Portfolio Recovery failed to provide ALL required documents. Definition of 15 U.S.C. 1692cc Illegal Communication/ Improper Collection : This law prohibits a debt collector from continuing to collect, report, or communicate about a debt that is disputed, unvalidated, or unsupported by documentation. Any continued reporting or collection activity on a debt they can not validate is a direct violation. Portfolio Recovery continued reporting without any proof. 5 ) NO PERMISSIBLE PURPOSE NO CONSENT GIVEN I never provided written consent for Portfolio Recovery to obtain, store, or report my personal information. 6 ) NO VALID ASSIGNMENT / NO ORIGINAL CONTRACT Portfolio Recovery has not produced a wet-ink contract or assignment agreement. Without these documents, the debt is unverified and illegally reported. Requested Action : I request the CFPB require Portfolio Recovery to provide full validation including the original contract, complete ledger, assignment documents, and itemized billing. If they can not validate, I request immediate and permanent deletion from all credit bureaus.

If Portfolio Recovery continues reporting unverifiable information, I will escalate through civil litigation.

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: WA

Complaint narrative:
On XX/XX/year>2025, I noticed fraudulent charges on my checking account. Among them were charges to " Dave '' for {$3.00} and " Dave '' for {$150.00}. Today ( XX/XX/XXXX ), I received through XXXX, an unauthorized Dave Debit Card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
I am writing to report that I am a victim of identity theft and to request the immediate blocking and removal of the fraudulent collection account appearing on my Experian credit report. The unauthorized account is listed as : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$900.00} Date Opened : XX/XX/year> Status : Collection account. {$900.00} past due as of XX/XX/year>. 
I did not open this account, authorize it, nor do I have any relationship with the creditor for this obligation. This account resulted from identity theft and should not be associated with me.

Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting that Experian, transunion, equifax : Block and remove the fraudulent account from my credit file, Notify the other credit bureaus of this identity-theftrelated information, and Provide me with written confirmation once the account is removed.

Enclosed are the documents required under FCRA 605B, including :
A copy of my government-issued ID Proof of address A copy of my Identity Theft Report ( police report or FTC report ) Please complete this investigation and block the account within the legally required timeframe.

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 2025-11-15 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: IL

Complaint narrative:
I am writing to report that I am a victim of identity theft and to request the immediate blocking and removal of the fraudulent collection account appearing on my Experian credit report. The unauthorized account is listed as : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$900.00} Date Opened : XX/XX/year> Status : Collection account. {$900.00} past due as of XX/XX/year>. 
I did not open this account, authorize it, nor do I have any relationship with the creditor for this obligation. This account resulted from identity theft and should not be associated with me.

Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting that Experian, transunion, equifax : Block and remove the fraudulent account from my credit file, Notify the other credit bureaus of this identity-theftrelated information, and Provide me with written confirmation once the account is removed.

Enclosed are the documents required under FCRA 605B, including :
A copy of my government-issued ID Proof of address A copy of my Identity Theft Report ( police report or FTC report ) Please complete this investigation and block the account within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Aidvantage reported a late student loan payment after disabling my autopay without my consent, knowledge, or adequate notification. I have always used autopay specifically to avoid missed payments, and I never requested or authorized autopay to be turned off. 

Aidvantage informed me that they sent a single email about the autopay deactivation to an email address belonging to my father. My father has permanent brain damage and is unable to manage or respond to any communications. This created a serious accessibility and communication barrier that Aidvantage did not take into account. 

While Aidvantage technically had access to my fathers email on file, they should not have relied solely on an inaccessible email to communicate something as critical as disabling autopay. This constitutes an XXXX failure, as Aidvantage did not ensure accessible communication or provide reasonable accommodation regarding how important notifications are delivered. 

I did not receive any notice through my actual email, phone number, account alerts, or any method accessible to me. As a result, autopay was turned off without my knowledge, and a late payment occurreddespite my consistent history of relying on autopay and making payments on time. 

I contacted Aidvantage and explained that this situation resulted from their communication failure and their reliance on an inaccessible email address of a person who is medically incapable of receiving or handling messages. They told me there was nothing they could do, even though this error was completely outside my control. 

This late payment has caused significant and unfair damage to my credit. 

I am requesting CFPB assistance to require Aidvantage to : Remove the inaccurate late payment caused by their failure to provide appropriate or accessible notification, Update all three credit bureaus to delete the derogatory mark, Correct my account contact information and ensure that no future critical communications are sent to a third party who can not receive them, and Acknowledge the XXXX communication issue and provide written confirmation once the correction is complete. 

I am providing documentation showing my consistent payment history and evidence that autopay was my established method of payment. 

Thank you for your help.

Company response to consumer: Closed with explanation