vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: CA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC regarding the XXXX account ending in XXXX. PRA claims it verified this account and purchased it from XXXX on or about XX/XX/year>, but PRA has not provided complete documentation proving ownership, assignment, or the accuracy of the balance being reported. PRAs response only states that the account was verified. It does not include the actual documents needed to resolve the dispute. The validation packet previously provided is incomplete. It shows a prior XXXX statement balance of {$1200.00}, but PRA is reporting and attempting to collect {$1500.00}. PRA has not provided the missing monthly statements, charge-off statement, payment history, interest and fee breakdown, or itemized ledger showing how the balance increased by {$350.00}. PRA also has not provided the actual bill of sale, purchase agreement, assignment schedule, or account-level transfer record proving this specific account was legally sold or assigned to PRA. A general statement that PRA purchased the account is not enough to prove ownership or authority to report this account to the credit bureaus. PRA also stated it will not conduct another investigation because it believes the dispute is substantially the same. However, the reason the dispute remains open is because PRA still has not provided the specific documents requested. Refusing to reinvestigate without addressing missing documentation does not resolve the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: MD

Complaint narrative:
Obtained a 3rd party loan throygh a " solar '' company who promised to fix roof. When defects were found, the company no longer existed. We have a warranty that could not be used since the company was no longer existing, and could no longer negotiate price, nor remedy to poor workmanship, which caused damage to our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: GA

Complaint narrative:
am filing a complaint against Bank of America regarding my unresolved dispute and delayed provisional credit. On [ INSERT DATE ], I filed a dispute with Bank of America regarding an unauthorized transaction totaling approximately {$9000.00} that was sent to a crypto application/account without my authorization. After submitting my initial claim, I later re-filed the dispute on XX/XX/year>, and provided additional information requested by the bank. It has now been over 40 days, and I still have not received provisional credit, a final resolution, or a clear explanation for the delay. Under Regulation E and the Electronic Fund Transfer Act, I understand that financial institutions are generally required to investigate errors promptly and provide provisional credit within the required timeframe if the investigation is taking longer. I have repeatedly followed up with Bank of America but have not received a satisfactory update or resolution. I am requesting that Bank of America : Immediately review my dispute Explain why provisional credit has not been issued Provide any documentation supporting the delay Issue the appropriate provisional credit or resolve the dispute without further delay This delay has caused significant financial hardship, and I am requesting prompt regulatory review of Bank of Americas handling of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally document and clarify the circumstances surrounding unauthorized transactions totaling {$2100.00} from my account at Navy Federal Credit Union. On the date in question, an unauthorized individual gained access to my daughters mobile phone. At the time, my funds were associated with her account access. The individual was able to initiate and complete multiple unauthorized transfers totaling over {$2100.00} to a XXXX XXXX account associated with the username $ XXXX. Immediately after the transfers were completed, access to the XXXX XXXX account was disabled, and my daughter was locked out, preventing any further access or recovery of funds. A police report was filed and submitted to Navy Federal Credit Union as supporting documentation. Despite this, my dispute and subsequent appeal were denied. The credit union further alleged that my daughter , XXXX XXXX, was involved in or responsible for these transactions. I strongly and formally dispute this claim, as she did not authorize, initiate, or participate in any fraudulent activity. I have provided supporting documentation, including screenshots of the unauthorized transfers and a copy of the police report, to substantiate my claim. I respectfully request a further review of this case with full consideration of the evidence provided. If additional information or clarification is needed, I can be reached at the contact information provided below. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Newport Bayshore properties, Inc.
State: IL

Complaint narrative:
tried to arrange a payment plan for unpaid balance with old apartment. we were in constant communication up until I requested a payment arrangement, at which point they completely stopped communicating with me. I feel I made a good faith effort to resolve the debt, and they are refusing to accept that. I should not be held responsible if I made every possible effort to pay them, and they refused to accept it. I was also never notified of my right to dispute, which I would have done. they misled me and applied my security deposit to rent as opposed to depositing it into an account that accrues interest to be applied to damaged after move out.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am being sued by a 3rd party debt collection agency for a debt that I do not own. Their proof of my ownership is insufficient. There has been no agreement provided between myself and the original creditor proving my ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
On XX/XX/year>, I ordered one {$100.00} XXXX XXXX gift card. I received an email with gift card number and pin. Then i noticed the charge for {$1300.00} for 13 {$100.00} XXXX cards. I contacted aafes immediately and they have never removed it. I asked them to send me the ones I was charged for or remove them completely. I told them it should be easy to track if it was issued. They have never resolved it and stopped replying. I have disputed and its not been corrected and now its in collections. Very disappointing experience. I have sent emails nearly monthly since XXXX and received zero assistance.

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 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems , Inc. is attempting to collect a fraudulent debt that resulted from identity theft due to multiple XXXX data breaches. On XX/XX/year>, I certified mailed a formal dispute and provided an FTC Identity Theft Report, which legally requires the company to stop collection and block the account from being reported under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). The company ignored my dispute and FTC identity theft report, failed to provide validation, and proceeded to report the fraudulent account to the credit bureaus. This is a clear violation of : * FCRA 605B ( failure to block identity theft-related information ) * FDCPA 1692g ( failure to validate debt ) * FDCPA 1692e ( false representation of a debt ) * FDCPA 1692c ( c ) ( continuing collection after cease and desist ) This conduct is not accidentalit is willful. The company had actual knowledge that the debt was fraudulent and continued reporting and collection anyway. This has caused harm to my credit profile and financial standing. I am requesting : 1. Immediate deletion of the fraudulent account from all credit reporting agencies 2. Written confirmation the account is closed with a {$0.00} balance 3. A full investigation into National Credit Systems , Inc. for systemic violations of federal law This company has a documented history of over 2,900 similar violations, indicating a pattern of unlawful conduct toward consumers, particularly identity theft victims. Furthermore, this company has been sued in federal court over 571 times for similar violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN COMPANY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am a victim of identity theft and recently discovered multiple fraudulent accounts reported on my credit report that I did not open, authorize, or use. These fraudulent accounts include credit cards, collection accounts, and accounts reported by third-party debt collectors and original creditors that do not belong to me. I have never applied for, opened, or authorized any of these accounts. This situation has escalated into a serious legal matter. I was notified of a lawsuit filed against me by Midland Credit Management in XXXX XXXX, Florida, attempting to collect an alleged debt of approximately {$10000.00} related to a XXXX XXXX XXXX XXXX account that I never opened or used. In addition to the account involved in the lawsuit, I identified several other fraudulent accounts on my credit report, including but not limited to : Midland Credit Management Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$780.00} Collection account opened in XX/XX/year> XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$890.00} Derogatory revolving account XXXX XXXX ( Collection ) Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Balance : approximately {$6900.00} Reported as late and in collection XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} Collection account related to XXXX XXXX Midland Credit Management Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Balance : approximately {$10000.00} Collection account XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Reported as charge-off/collection I do not recognize any of these accounts and did not authorize any transactions, applications, or agreements related to them. These accounts do not reflect my financial activity and were opened using my personal information without my knowledge or consent. As soon as I became aware of this identity theft, I took immediate action by disputing these accounts with the credit bureaus and gathering documentation to support my claim. I am also preparing legal documentation to defend myself against the lawsuit and any collection attempts related to these fraudulent accounts. This situation has caused significant financial harm, damage to my credit, and emotional distress. I should not be held responsible for debts resulting from identity theft. I am requesting a full investigation into all fraudulent accounts, the immediate blocking and removal of all related tradelines under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), and the immediate cessation of all collection activity associated with these accounts. I also request that all companies involved provide proper validation and proof of any alleged debt, including signed contracts and evidence of authorization. I deny all responsibility for these accounts and any associated debts, as they are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX or XX/XX/year>, I was verbally promised a 0 % interest " freeze '' on my credit account ( ending in XXXX ) by a Wells Fargo representative during a telephone enrollment call. Relying on this promise, I have made consistent monthly payments for over 3 years. On XX/XX/year>, my account balance was {$2200.00}. Since that statement, I have paid approximately {$1500.00} in consistent monthly payments of {$40.00} {$45.00}. Despite my performance of this agreement, the bank failed to honor the 0 % rate and has continued to accrue interest. Consequently, my current balance remains at approximately {$1600.00}, meaning my payments have barely touched the principal. This is a violation of the Consumer Financial Protection Act ( UDAAP ) regarding deceptive marketing. I have effectively been kept in a perpetual debt cycle through the misrepresentation of account terms. I demand that Wells Fargo audit the enrollment call from early XXXX, reverse all unauthorized interest, and XXXX out the remaining balance, which would have already been paid in full if the promised 0 % rate had been applied.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Subject : Request for Reinvestigation Inaccurate and Inconsistent Reporting To Whom It May Concern, I am writing to request a reinvestigation of the Capital One account currently reporting on my credit file. I previously disputed this account, and your response stated that the account was verified. However, significant inconsistencies remain across the credit bureaus, which indicates that the information has not been properly verified as required under the Fair Credit Reporting Act. The following inaccuracies must be addressed : * Delinquency status is reported inconsistently ( 120 days late vs. 150 days late ) * Credit limit is reported as both {$300.00} and {$0.00} * High credit amount is inconsistent ( {$490.00} vs. {$300.00} ) * Date opened is reported differently ( XX/XX/year> vs. XX/XX/year> ) * Payment history timelines vary across bureaus These discrepancies demonstrate that the data being furnished is neither accurate nor consistent. Simply confirming that the account belongs to me does not satisfy the requirement to verify the accuracy of each individual data field. I am requesting that XXXX : 1. Provide the method of verification used, including the name, address, and contact information of the party who verified this account, and the specific documentation reviewed ; or 2. Delete or correct this account to ensure it is fully accurate and consistent across all credit reporting agencies. If these inaccuracies can not be properly verified with documentation, this account must be removed from my credit file in accordance with the Fair Credit Reporting Act. Please complete this reinvestigation and provide written results. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: LA

Complaint narrative:
I am writing to formally contest this debt, as I believe it is inaccurate and would like it verified.

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 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX, my wife, and I moved out of the apartment -- I worked with the GM and Senior Leadership, as the prior property manager was very much overcharging for move-out fees per the lease agreement. The property tried to charge us {$20000.00} to break the lease, vs what is stipulated in paragraph 10 of the Lease. The re-letting charge shows a charge of {$5500.00}. The property came back, offered to settle at {$8000.00}, we said no and received XXXX approval to pay {$4200.00}. ( You will see this reflected in the ledger ) I am filing a complaint regarding inaccurate credit reporting by Pro Collect. The account they are reporting is NOT valid as a collection because it was previously paid and resolved. I have provided Pro Collect with a paid letter and financial ledger from XXXX XXXX multiple times from XXXX to current confirming a XXXX balance. Despite receiving these documents, Pro Collect has refused to correct or delete the account and it continues to report as a collection. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as they are furnishing information they know to be inaccurate. I have attached documentation proving the account was paid and resolved. If this issue is not corrected by Pro Collect, I will pursue legal remedies for willful noncompliance under the 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 2026-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
On XX/XX/year>, I received a debt collection notice from Harris & Harris , Ltd. ( File No. XXXX ) seeking {$94.00} allegedly owed to XXXX XXXX ( XXXX ). No itemization of the debt was provided in the notice. On XX/XX/year>, I sent a written debt validation request via certified mail invoking my rights under 15 U.S.C. 1692g and 12 C.F.R. 1006.34. On XX/XX/year>, Harris & Harris responded but failed to provide any itemization of the {$94.00} as required by 12 C.F.R. 1006.34 ( c ) ( 2 ) ( viii ). Instead they referred back to their original XX/XX/XXXX notice, which itself contained no itemization. On XX/XX/year>, I sent a second certified letter citing the specific statutory violations and again requesting an itemized breakdown. On XX/XX/year>, Harris & Harris responded again, stating only that XXXX XXXX had verified the debt as true and accurate. No itemization was provided. A verbal or internal confirmation from the original creditor does not satisfy the verification requirement under 12 C.F.R. 1006.34 ( c ) ( 2 ) ( viii ). Despite two written requests and two responses, Harris & Harris has never provided an itemized breakdown of what comprises the {$94.00} charge. I am willing to pay any amount I legitimately owe but can not verify this debt without the itemization the law requires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief