vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This is my XXXX  formal complaint to the Consumer Financial Protection Bureau XXXX Portfolio Recovery Associates , LLC ( XXXX ) and their affiliated law firm, XXXX XXXX XXXX. Despite repeated written requestsfive to XXXX and at least XXXX to XXXX & XXXX proper validation of an alleged debt, neither entity has provided the legally required documentation to prove ownership or standing to collect. 

I have clearly and repeatedly demanded : - A complete chain of title or assignment history of the debt from the original creditor to XXXX ; - The Forward Flow Agreement or any signed agreement proving XXXX owns this specific account ; - A signed agreement between XXXX and XXXX or any document that explicitly ties my alleged account ( ending in XXXX ) to the transaction described in the generic 'Bill of Sale and Assignment. ' Instead of fulfilling these obligations under the FDCPA and FCRA, XXXX and XXXX XXXX XXXX continue to send recycled billing statements and a form letter from XXXX XXXX XXXX XXXX that contains no signature or legal authenticity. The so-called Bill of Sale makes vague reference to XXXX XXXX XXXX XXXX accounts ' but does not list any specific account number that can be tied to me. The Exhibit provided refers only to a batch file, with no unique identifier or metadata that confirms inclusion of my account. 

Their refusal to comply with federal law is not just negligentit is willful and abusive. This is now an egregious and systemic failure to validate the debt. Meanwhile, they continue their collection attempts, including legal threats, causing undue stress and damage to my credit. This constitutes clear violations of the FDCPA 15 U.S.C. 1692g ( b ) and FCRA provisions related to furnishing inaccurate data to credit bureaus.

I am asking the CFPB to intervene decisively. These companies are deliberately ignoring federal requirements. I am requesting a full investigation and immediate enforcement action. I am also demanding all further collection activity be ceased immediately until proper legal documentation is produced. Continued violations will result in legal action. 

Attached are : - Copies of the multiple dispute and validation letters sent to both parties - The generic and unverified responses received - The so-called Bill of XXXX and XXXX documents that fail to prove ownership or account assignment Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Looked on credit reports and tried contacting company. Was rude and hung up in my face

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
I received a XXXX card statement from XXXX XXXX bank with charges on the statement. I never applied for a XXXX card with XXXX  XXXX bank so I called it to report the fraudulent card and transactions on XX/XX/year>. I spoke with XXXX XXXX who transferred me to XXXX XXXX, who transferred me to specialty claims dept, XXXX Claims XXXX XXXX, who advised that she cancelled card, will stop collection efforts, & investigate it. 

Sometime thereafter, I received notification from XXXX XXXX that it determined the card was not fraudulently obtained and advised me to file an XXXX Report with my local sheriff 's department. I filed that report on XX/XX/year>. 

XXXX XXXX continued sending me statements adding interest and finance charges. I called them again today and they are still contending the card was not fraudulently obtained and contending I was liable for the charges and fees. 

I checked with Experian XXXX XXXX and noticed both showed the XXXX  XXXX matter as XXXX  causing my XXXX XXXX to drop XXXX points. 

I fear that XXXX XXXX XXXX be misusing my personal information. I could not speak to an individual until I had provided my XXXX XXXX number so, that XXXX be how they get one 's XXXX XXXX number.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed a fraudulent accounts. I have submitted several disputes regarding these and Transunion is denying a block and deletion of accounts even though I have submitted my ftc report and information proving my identity.

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 2025-06-02 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
CareCredit closed the credit account XX/XX/XXXX. 
On XXXX/XXXX/XXXX they agreed to a {$1300.00} settlement of the account which was paid in full. 
On XX/XX/XXXX I received a notice from a collections agency that the debt went into collections. This notice did not reflect the payment. 
I disputed this collections notice and it was removed from my credit report. However CareCredit wrote off the debt as a loss but never provided me with a 1099-C.

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 2025-06-02 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS :XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
I had multiple transactions all from XXXX with all different names listed. XXXX XXXX XXXX XXXX XXXX. It ended up being a little over {$1000.00} that was stole from me and then cash app closed my account. I can't not dispute the charges. I tried disputing it with my bank XXXX XXXX but then they are saying that they are not going to be giving the money back. It is ridiculous that I have to go through all these channels to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my XXXX XXXX XXXX XXXX and misused. Ive encountered credit denials because of this, and XXXX requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion immediately block and delete the following accounts from my credit report. These accounts are the result of identity theft and are being wrongfully reported under my profile. Federal law mandates that action must be taken within four business days of this notice. 

The following fraudulent accounts must be removed : A credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1300.00} Under FCRA XXXXection 611 ( 15 U.S.C. 1681i ), I dispute these items in full and demand that TransUnion reinvestigate each entry. I require a complete explanation of the verification process, including the method used and any original documents or physical proof used to validate these accounts. If you are unable to produce these materials, the continued reporting of these accounts will constitute prima facie evidence of fraudulent activity and must be removed without delay.

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Have a Deb collection letter for the amount XXXX date XXXX for XXXX XXXX did not know about this at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I have submitted multiple disputes to TransUnion regarding inaccurate and incomplete information on my credit report. Despite previously notifying Transunion of these issues, they continued reporting the same errors and marked the items as verified without making any corrections. My letter specifically requested, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 7 ), a full description of the procedures used to verify the disputed information. I also identified specific accounts with persistent issues, such as : Reporting a {$0.00} payment received on months where a payment date is clearly listed, which is contradictory ; Missing dispute notations, which makes the reporting incomplete ; Inaccurate Date Closed reporting without reflecting closure in the Payment History ; Long periods marked as Unknown in the Payment History, and missing Scheduled Payment, Balance, and Past Due details during months marked as late. These issues were raised before and were not properly resolved. I am now submitting this complaint through the CFPB on the same date I mailed the updated dispute letter to TransUnion. A copy of the letter and supporting documentation is attached.

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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: KY

Complaint narrative:
I had a First Progress standard credit card. Back in around XXXX there was a false charge on my account, I paid the amount, and then closed my account with a phone call. However I received a letter in XXXX regarding the account, saying I have funds left in the account, when my funds should have been refunded and closed. Clearly my account was not closed, and I tried again to close my account today, which should have happened months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX, purchased a new XXXX XXXX from XXXX XXXX  XXXX XXXX, intended to pay cash, in full - ended up financing- which was never my intention. Financed @ dealership. Next day, I notified XXXX THIS is not what I intended, they sent me to Fifth Third Bank ( XXXXXXXX XXXX ) for me to " pay off the loan, '' which I did on XX/XX/XXXX by check from my XXXX XXXX ( of XXXX yrs ) - XXXX XXXX XXXX XXXX. At that time, Fifth Third Bank gave me a receipt for payment in full. I have copies of everything I am stating in this complaint and can email them to you in pdf format upon request. By the next day - XX/XX/XXXX, XXXX XXXX received the endorsed check back from Fifth Third Bank, however, no one, 14 days later [ XX/XX/XXXX ] can find that payment. My credit union and I have the endorsed check. They encouraged me to file this complaint, a police report and other venues. Note, I am a XXXX yr old veteran who does not appreciate having my funds [ somewhere ] without anyone taking responsibility. XXXX XXXX Finance Manager, XXXX XXXX called the bank to cancel the contract between the bank and XXXX so I could write a check directly to XXXX to pay in full for my vehicle- the bank has not done so and keeps reminding me that my first payment is due XX/XX/XXXX has asked the bank to Fifth Third Bank Acct # XXXXXXXX XXXX XXXX  the bank charged interest from XX/XX/XXXX - XX/XX/XXXX Complaint # to Fifth Third Bank XXXX Fifth Third Bank 's rep XXXX XXXX took my check @ the bank and has been useless since. XXXX has tried to make things right by me.. I'm missing {$42000.00} plus. Thank you. 

XXXX XXXX XXXX @ XXXX You have my permission to speak to XXXX, the bank and XXXX XXXX on my behalf. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
XXXX XXXX XXXX XXXXXXXX. I am on Unaware of this debit and did not have the opportunity to dispute the account if you believe you sent proper notification please provide XXXX mail with receipt displaying my signature if not please delete account as soon as possible from my credit report or I will have to take a legal action.

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 2025-06-02 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/XXXX I requested a wire like I do every month to myself. The customer service representative never asked me any security questions but she said I wasnt me. She never asked the questions I normally answer, I didnt get the security text thats normal sent to me and once I told her the amount she placed me on hold then told me I need to go in the branch or do it online. I was misled because when I went online to do it they had suspended my account. When I called back I was told my account is locked because I didnt verify myself which is 1000 % not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation