vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Unable to retrieve balance online or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I contacted the company Portfolio collections via telephone. In that conversation we reached an agreement that if i paid the account in full for the full amount agreed upon that portfolio collections would delete the account from my credit report. I paid them in full and they have reported that the account was settled for less. This is a false report and directly goes against our verbal agreement that was made on a recorded line. I did what they asked me to do and they did not delete it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NV

Complaint narrative:
So the person I sent some money to sells electronics.

I wanted to buy 2 for {$70.00} and thats what we were doing, I sent the {$70.00}. After doing so, the person had me transferred to their " boss '' who stated that I had to buy 4 at minimum for {$140.00} & that cancellations are nonexistent once an order goes through. Basically, he said you need to give me {$70.00} more because you're not getting this {$70.00} back & the minimum for orders is {$140.00}. Whilst he was doubling the amount of products that i originally paid for. Which is weird and should be unlawful considering I was only made aware of this fact after I already paid {$70.00}. So I want my money refunded as soon as possible.

And I just got my dispute back from cash app, it stated that it was declined because it seems like I or someone authorized to use my account made the purchase. Which is a no duh moment because I provided multiple screenshot proving I did and explicitly stated that I did. But regardless that reason is terrible, if I was scammed of an item that I bought at a store and reported it Id get my money back, there should be no difference here. And cash app has already scammed me of at least a XXXX dollars before on this and my old account, so I feel like this is targeted at this point. But I desperately need this money, as it will greatly aid my family in a moving process theyre doing, so I do hope that someone with integrity and basic human dignity will see this and send it back. Thank you. The company involved with this is Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Zions Debt Holdings
State: CO

Complaint narrative:
This was originally a XXXX account. I stopped paying in XXXX. My understanding is it would have fallen off/ stopped reporting on my credit by now. Mortgage company have pulled my credit and it is reporting with solely with XXXX  and shows a serious delinquency. Ive explained that the information is inaccurate as it is reporting an incorrect kissed payment date and when the count was open is wrong. Ive asked Zion for proof showing I, XXXX XXXX, made payments on the account until XXXX of XXXX. I know I did not. They recently texted me and were rude in their response and continued to not provide what was requested. The dates are all wrong and reported in way to continue to show on my credit and get me to settle and pay for deletion. I as the consumer am requesting a documented payment history, explanation and documentation on the XXXX account date open, documentation and history on the XX/XX/XXXX first missed payment. 

Nope, I've requested documentation showing I apparently paid up until XXXX which I did not. I stopped paying in XXXX right after signing the contract, the service was bad, I was told I'd be let out of my agreement and was not I requested o Monday, XX/XX/XXXX to furnish documentation showing payment made in XXXX. I was told that will be given in XXXX business days. 

Either way you cancelled improperly. you can not just cancel the service whenever you please. All cancellation requests must be done in writing and 30 days in advance. You can not cancel over the phone. You can not cancel without paying any pending balance owed. They disconnected the service due to non-payment. Your current balance is {$2700.00}. Pay online at zionsdebtholdings.com with account # XXXX. We will get that validation of debt sent out to you as soon as we can. 

Not as soon as possible. You have 5 days from when I requested it. 

Saying I paid until XXXX is not factual. This should have dropped off my credit report / stop impacting my score. 

You guys are deceitful. 

I will not be paying this under any circumstance. 

XXXX, it is not this complicated. You did not close properly. You breached your contract. Pay off the debt and we will delete it like it was not there. If you don't pay it, it will just stay on your credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: FL

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me.

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1400.00} Date XXXX XXXX XXXX XXXX XXXX  Amount : {$2000.00} Date XXXX XXXX ) XXXX XXXX Amount : {$9400.00} Date 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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Ive disputed these collection accounts several times and asked the company to send me proper validation. I never received any of the documents. 

While I was disputing everything, I also asked them to stop contacting me, and they continued to reach out anyway. That goes against FDCPA 805 ( c, which clearly says theyre supposed to stop communication once requested. 

So at this point, Ive done everything on my end, but the company hasnt provided anything to support what theyre reporting. They didnt validate the debt, they didnt respect my request for no contact, and they didnt show any sign of doing a proper investigation. Yet the account is still sitting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
This is a follow up on my prior dispute and XXXX submission to the CFPB regarding the referenced account. XXXX provided a copy of a signed lease and a deposit disposition. However, these documents do not validate the alleged debt of {$4200.00} as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Specifically, the documentation fails to include : 1. An itemized final account ledger showing all charges and payments, 2. Invoices or receipts supporting any alleged damages or fees, 3. Proof of re-rental or mitigation of loss, as required under Colorado landlord-tenant law, 4. A full accounting demonstrating how the balance of {$4200.00} was calculated. Until XXXX provides complete verification, this debt remains disputed and unvalidated, and you must cease all collection activity and delete any credit reporting immediately. Furthermore, please note : The alleged obligation dates back to 2021, arising from a Colorado lease. Under Colorado Revised Statutes 13-80-101 ( 1 ) ( a ), the statute of limitations for written contracts and lease-related debts is three years. Therefore, this debt is time-barred, and you have no legal right to enforce it in court. The account has already been deleted by XXXX  and XXXX, leaving only an inconsistent listing with XXXX, which constitutes inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Accordingly, I demand that XXXX : Permanently cease all collection efforts ; Instruct XXXX  to delete any remaining tradeline ; and Confirm closure of this file in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MS

Complaint narrative:
When I was reviewing my credit reports I discovered an alleged debt for XXXX that was allegedly incurred on XX/XX/year> and the original creditor was listed as XXXX XXXX. This false damaging information is inaccurate and untrue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
This is the third time fraud has hit my account I did get pd back the money the last time I suspect it was internal problem they denied. I got hit with fraud again someone tried my bank credit card tried to buy a product from XXXX over XXXX dollars i don't use my credit card ony for variation purposes only at the bank so the only one that has access to my card is someone that works for bank I cant keep having to put block on my account XXXX XXXX and opening new account the bank nows who is doing and fail to press charges on the person who is doing it

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 2025-11-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: DE

Complaint narrative:
XX/XX/year> about XXXX in total was transferred from XXXX  to Cash App to a XXXX XXXX  I dont know that person I disputed with Cash App and XXXX  both denied my claim Ive never met this person I got a email stating I can appeal it again than when I trued I was told no with Cash App XXXX  didnt allow me either XX/XX/year> my dispute was closed without them giving me any documents not once have I ever did business with this person on either accounts they didnt investigate thoroughly either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
I am XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

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 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am in a financial crisis-in the hospital with no paycheck. 

I requested a lower minimum payment and interest rate because I cant make the current minimum payments. 

I have been a customer of B of A for 35 years with an account in good standing. My other credit cards have responded compassionately and responded positively to my request for financial relief except B of A.

When I called in they took me through a series of questions and said there was no relief available. When I asked to talk to a ma

nager I was told that there was no manager available.

B of A has been uncompassionate and unwilling to work with a valued customer or show any sympathy towards my dire situation. 

I am requesting a reduced minimum payment and reduced interest rate.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$2500.00}

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 2025-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-11-30 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: TX

Complaint narrative:
Subject : Follow-Up : Failure to Validate Alleged Debt under 15 U.S.C. 1692g ( b ) To Whom It May Concern, This letter serves as a formal follow-up to the debt validation request I sent on XX/XX/XXXX, regarding the alleged account : Account Name : Portfolio Recovery Associates LLC Account XXXX : XXXX XX/XX/XXXX, you have failed to provide proper validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). You were obligated to cease collection activity until such validation was provided. Yet, as of today, you have continued to report this account to the credit reporting agencies without verifying the debt or providing the required documentation. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that validation requires more than the debt collectors mere say-so. You are legally required to provide competent evidence, including the original signed agreement or a complete breakdown of the charges with proof of assignment. You have failed to do that. 

As a result, the following FDCPA violations are now being alleged : FDCPA Violations ( check and complete ) : Violation of 1692g ( b ) Continuing collection without proper validation Violation of 1692e ( 10 ) False or Misleading Representation Furthermore, I have already submitted formal disputes with the credit reporting agencies regarding this account. If you are continuing to furnish this information to XXXX XXXX XXXX XXXX  while the debt remains unvalidated, you are in violation of 15 U.S.C. 1692e ( 8 ) communicating credit information known to be disputed without proper disclosure or investigation. If this matter is not resolved immediately, I will escalate this issue through every available legal and regulatory avenue, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) Notifying my states Attorney General Initiating legal proceedings under the FDCPA and FCRA I expect a written response within 10 days confirming : Full validation with supporting documentation Cessation of all collection activity Immediate removal from any and all credit reports You are now on notice. I am fully aware of my rights and will not hesitate to act further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation