vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
For Portfolio Recovery Associates Name : XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Alleged Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Reported Balance : {$850.00} Date Opened ( per XXXX  ) : XX/XX/year> I am submitting this dispute electronically regarding this alleged debt. I do not acknowledge this account and I am disputing the entire account as inaccurate, incomplete, and unverified. 

This is a formal FDCPA debt validation request and a Cease & Desist directive, along with an FCRA verification demand. 



Cease & Desist You must immediately cease all communication with me except to provide the full validation requested or to notify me of specific lawful actions permitted under FDCPA 805 ( c ).

Validation Requested ( FDCPA Requirements ) I am requesting complete validation of this alleged debt, including : 1. Proof that this debt belongs to me Original signed contract or application Signature allegedly tying me to the debt 2. Full accounting of the alleged balance Itemization of all charges Complete payment history Explanation of how the amount of {$850.00} was calculated XXXX. Proof of legal ownership Documentation showing XXXX XXXX XXXX  sold or transferred this account to Portfolio Recovery Associates All assignments, bills of sale, and transfer documents 4. Proof you have legal authority to collect and report this debt 5. Original creditor information as required by law FCRA Verification Requirements If you are reporting this account to any credit bureau, I am requesting : All documents you used to verify the account Verification of dates, balances, status, and payment history Documentation showing the reporting is accurate and complete If you can not fully verify the account, you must delete it. 



Until validation is provided : You may not continue collection activity You may not update or report this account You must mark it as disputed You must not communicate with me outside required written notice I expect full validation and verification in compliance with FDCPA and FCRA. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Two 30 day late payments are reported in XXXX and XXXX of 2023.

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 2025-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/2025 I had an unauthorized transaction on my cash app debit card account. It was for {$440.00} to Renintly unauthorized transaction. I filed a dispute with cash app but was denied wrongfully today. I would like my money refunded due to hardship and expedited or a provisional credit to my cash app account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Company : Block, Inc. ( Cash App ) Issue : Dispute denied incorrectly / merchant can not provide proof of delivery Complaint : I disputed a transaction with Cash App for a XXXX XXXX order that was never delivered. Cash App denied my dispute even though the merchant has no proof of delivery and admitted they could not verify that I received the order. 

XXXX can not provide : a delivery photo a verified drop-off location a signature confirmation of who the order was given to accurate records of my earlier reports I contacted XXXX immediately XXXX XXXX order did not arrive. XXXX later denied my refund only due to their internal time window policy, not because they proved delivery. Their denial is based on policy, not evidence. 

I provided Cash App with screenshots showing : XXXX admitted there was no delivery photo XXXX admitted they could not verify who the order was provided to XXXX  systems did not show my earlier contact even though I reached out Krogers responses contradicted themselves Despite this evidence, Cash App still denied my dispute. 

I am requesting a reinvestigation of my dispute because the merchant can not provide proof that I received the goods. Under Regulation XXXX, a dispute should not be denied solely based on a merchants internal policy when they can not verify the transaction was fullfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
IQ Data provided a fabricated Final Account Statement as validation for a debt that does not belong to me. I have never lived at Landings at XXXX XXXX. The document they sent lists a fake move-out balance, fake lease dates, and no signed lease, no tenant ledger, no move-in or move-out report, and no proof I ever lived there. This is not valid debt validation under FDCPA 809 ( b ). They are reporting false information to XXXX  and failing to provide real proof. I am requesting a full investigation and deletion of this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I sent the necessary document to credit acceptance to lower the apr to XXXX % from XXXX  % in XX/XX/2025. The payments were lowered. I asked for confirmation. They said XXXX business days after calling every XXXX business days. As of late, I discovered that they lowered my monthly payments by extending the life of the loan and only decreasing to 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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For over three weeks, I have been unable to properly access my Equifax credit report due to an unresolved system error that displays the code BLNK on my online account. When attempting to access my report through the Equifax website, I receive a message stating that my credit report and score are unavailable due to a technical error and that I must call customer service. 

Equifax agents and supervisors repeatedly state that everything looks fine on their end, yet my consumer-facing account remains inaccessible. Additionally, when I signed into the Equifax mobile app as instructed by Equifax, my credit file displays zero accounts, zero tradelines, and zero credit history which is completely inaccurate and confirms a split or misaligned credit file. 

At the same time, Equifax reported a sudden and significant credit score drop that does not reflect my actual credit activity. My report has shown inconsistent and conflicting data, including missing accounts, incorrect negative reporting, and blocked consumer access. I have contacted Equifax multiple times by phone and spoken with supervisors, yet the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I check the account daily to make sure nothing has been charged to the account. I opened my app for regions. And I had XXXX I transferred money to cover the last transactions so my account was in the positive. XXXX vets was taken out for my medical spending account and then refunded later that day. When I checked transactions. My wife and I called the bank manager XXXX and she refunded only XXXX of the amount charged for overdraft. We went in to talk to her and she was in a meeting. So we left my number. She didnt call but emailed saying the {$100.00} was refunded. But didnt say or do anything about the other amount. And as of today I was charged again another {$36.00} for an overdraft fee. I wasnt overdraft. I have screenshots of my transactions all the at back to XXXX or XXXX. And I wasnt in the negative for an amount of XXXX that I didnt transfer money from savings into the account to cover it. And it will continue to be charged until my check is deposited on Thursday or Friday. I am not paying them overdraft fees that I didnt incur. This is ridiculous. How can they charge me for something that didnt happen.?. Because that arent listening to anything! Or answering how or why

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Re : Dispute of Inaccurate Hunter Warfield Collection Account # XXXX Demand for Immediate Deletion under 15 U.S.C. 1681i and 1681e ( b ) To Whom It May Concern : I am writing to dispute the completeness and accuracy of the above-referenced Hunter Warfield account appearing on my credit file. This account is inaccurate and violates multiple provisions of the FCRA and the Metro 2 Credit Reporting Resource Guide for the following reasons : 1. Missing Date of First Delinquency ( DOFD ) The account fails to report a Date of First Delinquency as required by 15 U.S.C. 1681c and the Metro 2 standard. Without a valid DOFD, the account can not be accurately aged and must be deleted.

2. Improper Delinquency Progression ( Metro 2 Violation ) The furnisher is reporting the account as XXXX+ days past due ( or seriously past due ) without ever reporting the required sequential 30-60-90-120-150 day delinquency codes in prior months. This violates the Metro 2 format specifications and renders the reporting patently inaccurate under 15 U.S.C. 1681e ( b ). See XXXX v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) ; XXXX v. Allstate, 711 F. Supp. 2d 1193 ( D. Colo. 2010 ).

3. Failure to Conduct a Reasonable Investigation ( 1681s-2 ( b ) ) Upon information and belief, Hunter Warfield has never conducted a reasonable investigation and continues to verify this information through the automated e-O

SCAR system without correcting the above violations. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy and completeness of this information within 30 days, you must promptly delete the account from my file. Partial or updated reporting is not sufficient when the account is materially misleading.

Also invoke your right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) that this dispute is not frivolous because it is based on objective Metro 2 and FCRA violations.

Please send me written confirmation of the deletion and updated copies of my credit report from all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or around XX/XX/year>, I applied for a Chase XXXX XXXX XXXX credit card and was approved. I was informed I could begin using the card immediately via XXXX XXXX while waiting for the physical card to arrive. The card came with a sign-up bonus offer of XXXX points for {$3000.00} in spending within 3 months. 
On XX/XX/year>, between XXXX XXXX and XXXX XXXX XXXX XXXX, I made three calls to Chase Card Services regarding problems using my card. The following occurred : Call 1 ( XXXX XXXX, approximately 8 minutes ) : I spoke with a female representative from the fraud department. She informed me that transactions over {$100.00} were being declined because I was not at my billing address. I explained I was traveling. When I asked why only transactions over {$100.00} were being blocked ( rather than all transactions, if fraud was truly suspected ), she could not explain the logic of this policy. 
I requested the physical card be expedited. She asked for my mailing address. I provided my XXXX XXXX on file, but she stated she could not expedite to a XXXX XXXX XXXX I then provided my current mailing address, but because I had recently moved and this address differed from my application, she stated she could no longer continue the conversation and suggested I call back another time. The call ended without resolution. 
Call 2 ( XXXX XXXX ) : I spoke with a male representative and explained my previous unhelpful interaction. He added a travel note to my account. When I requested the card be expedited to my XXXX XXXX address ( since I was traveling in XXXX XXXX and returning to XXXX XXXX the following day ), he questioned why I was providing a XXXX XXXX address while in XXXX XXXX. After I explained, he hung up on me without completing my request. 
Call 3 ( XXXX XXXX ) : After two unhelpful and unprofessional interactionsincluding being hung up onI called and requested the card be closed. The representative processed this request. 
On XX/XX/year>, I called Chase to request the account be reopened with the original bonus offer intact, given that the closure was due to Chase 's service failures. I spoke with a representative named XXXX ( Case ID : XXXX ), who informed me the account was permanently closed and could not be reopened. 
Summary of Chase 's failures : Approved me for a card and told me I could use it via Apple Pay, then blocked transactions when I tried to use it Could not provide a coherent explanation for their fraud policy Refused to expedite the physical card due to address verification issues, despite my identity being confirmed A representative hung up on me mid-call Refused to reopen an account that was open for less than one week and closed due to their service failures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: TX

Complaint narrative:
1. NOT MINE / NO KNOWLEDGE 2. DUPLICATE ACCOUNT 3. INCORRECT BALANCE 4. WRONG ACCOUNT STATUS 5. INVALID / UNVERIFIABLE ACCOUNT 6. WRONG DATE OF LAST ACTIVITY / REPORTING DATE 7. WRONG ORIGINAL CREDITOR / COLLECTION AGENCY 8. ACCOUNT PAID BUT STILL SHOWING NEGATIVE 9. BALANCE SHOULD BE ZERO ( AFTER EVICTION, SETTLEMENT, ETC. ) 10. IDENTITY THEFT / FRAUD DISPUTE 11. COLLECTION AGENCY CAN NOT VALIDATE DEBT 12. WRONG ACCOUNT TYPE OR OWNER 13. INCORRECT PAYMENT HISTORY

Company response to consumer: Untimely response
Consumer complaint received 2025-12-07 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: NY

Complaint narrative:
Summary of Complaint I am filing a complaint against Experian, Equifax, and TransUnion for reporting inaccurate, incomplete, and legally unverifiable student loan information related to accounts transferred from XXXX to XXXX. Despite my disputes, the bureaus continue reporting these accounts without proper verification, violating the Fair Credit Reporting Act ( FCRA ). 

Accounts Affected Furnisher : XXXX Account Number : XXXX Loans XXXX ( multiple inaccuracies across balances, dates, and statuses ) Issues With the Credit Bureaus 1. The bureaus failed to conduct a reasonable investigation Under FCRA 15 U.S.C. 1681i ( a ), the bureaus must investigate disputes. 
They did not : Request full documentation from XXXX Require verification of transferred loan balances Correct clear inconsistencies in the reporting Provide an explanation of findings The investigation was insufficient and did not comply with FCRA standards. 

2. The bureaus are reporting unverifiable information XXXX has not provided any of the following required verification : Original promissory notes Complete Nelnet-to-MOHELA transfer records Payment histories Accurate disbursement records Chain of custody/servicing rights documentation Under 1681i ( a ) ( 5 ) ( A ), unverified accounts MUST be deleted, yet the bureaus continue reporting them. 

3. The bureaus are reporting inaccurate data The following errors are still appearing : Mismatched balances Incorrect Date Opened information Duplicate loan groupings Inconsistent historical data compared to XXXX XXXX Unexplained increases in principal Missing payment histories Conflicts with XXXX XXXX XXXX loan records This violates FCRA 1681e ( b ), the maximum possible accuracy standard. 

4. Data transfer issues make verification impossible Because the loans were transferred during periods of XXXX servicing failures, complete and accurate data does not exist, meaning the bureaus legally can not verify the information. 
Harm to Consumer These errors have : Increased my total reported debt Reduced my credit score Negatively impacted my mortgage applications Caused financial loss and emotional stress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: NY

Complaint narrative:
Summary of Complaint I am filing a complaint against Experian, Equifax, and TransUnion for reporting inaccurate, incomplete, and legally unverifiable student loan information related to accounts transferred from XXXX to XXXX. Despite my disputes, the bureaus continue reporting these accounts without proper verification, violating the Fair Credit Reporting Act ( FCRA ). 

Accounts Affected Furnisher : XXXX Account Number : XXXX Loans XXXX ( multiple inaccuracies across balances, dates, and statuses ) Issues With the Credit Bureaus 1. The bureaus failed to conduct a reasonable investigation Under FCRA 15 U.S.C. 1681i ( a ), the bureaus must investigate disputes. 
They did not : Request full documentation from XXXX Require verification of transferred loan balances Correct clear inconsistencies in the reporting Provide an explanation of findings The investigation was insufficient and did not comply with FCRA standards. 

2. The bureaus are reporting unverifiable information XXXX has not provided any of the following required verification : Original promissory notes Complete Nelnet-to-MOHELA transfer records Payment histories Accurate disbursement records Chain of custody/servicing rights documentation Under 1681i ( a ) ( 5 ) ( A ), unverified accounts MUST be deleted, yet the bureaus continue reporting them. 

3. The bureaus are reporting inaccurate data The following errors are still appearing : Mismatched balances Incorrect Date Opened information Duplicate loan groupings Inconsistent historical data compared to XXXX XXXX Unexplained increases in principal Missing payment histories Conflicts with XXXX XXXX XXXX loan records This violates FCRA 1681e ( b ), the maximum possible accuracy standard. 

4. Data transfer issues make verification impossible Because the loans were transferred during periods of XXXX servicing failures, complete and accurate data does not exist, meaning the bureaus legally can not verify the information. 
Harm to Consumer These errors have : Increased my total reported debt Reduced my credit score Negatively impacted my mortgage applications Caused financial loss and emotional stress

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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Sent an email to the business dated today advising to close this subprime account. The account was never activated, the card was never used, the card has a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation