vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
This is my second complaint to the CFPB about this company. After my first complaint, I sent them a written cease-communication request and a written debt-validation request. Despite that, they continue to call me repeatedly about the same alleged debt. 

They are still calling after being notified in writing and after a prior CFPB complaint was filed. I have documented each call with timestamps and screenshots. Their continued behavior violates FDCPA sections 1692c and 1692d, which prohibit contact after a written cease request and prohibit repeated or harassing calls. The company is knowingly ignoring federal law and continuing the same conduct I previously reported.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have looked at my Experian report and found that these items are incomplete and inaccurate. This has violated my rights and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). I looked at my credit report and found that the specific accounts were inaccurate : USBK COURT XXXX TEXAS Docket Number : XXXX. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX  Account Name / Account Number XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the reporting of the following accounts appearing on my Experian credit report. These accounts contain inaccuracies and must be reviewed and corrected. The accounts are XX/XX/XXXXAcct No XXXX Balance XXXX Date Opened XXXX XXXX XXXX XXXX XXXX AcctXX/XX/XXXXXXXX Balance XXXX Date Opened XXXX. These fraudulent accounts have resulted in inaccurate and damaging information appearing on my Experian consumer FICO credit report and I demand that all of these fraudulent items be removed immediately and that any related collection activity cease pursuant to my rights under the FCRA and FDCPA. This serves as a formal complaint under FCRA Section 605B 15 USC Section 1681c2 requesting that Experian immediately block and permanently remove all of the above fraudulent accounts including any associated collections charge offs or late payments as they were added to my credit file without my knowledge consent or authorization and are the direct result of identity theft rather than any legitimate consumer transaction.

These accounts were added to my Experian credit report without my knowledge or authorization and are the direct result of identity theft, not any legitimate consumer transaction. In support of this request, I have provided my official FTC Identity Theft Report, Report Number XXXX, along with all required supporting documentation.

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: 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: CA

Complaint narrative:
I am reporting serious inaccurate and inconsistent credit reporting by TransUnion, Experian, and Equifax. I have disputed multiple items several times, yet none of the bureaus have conducted a proper investigation. They continue to report contradictory information about the same accounts, including showing one account as CLOSED on one report but DELINQUENT or PAST DUE on another, and showing different balances, dates, and statuses.

The bureaus also allow furnishers to update account information while my disputes are still active, which violates the FCRA. They complete investigations within only a couple of days, which is not long enough for a genuine reinvestigation. This results in inaccurate, outdated, or unverifiable information staying on my report even after I provide documentation. 

These errors are harming my credit, my ability to qualify for housing, and my overall financial stability. I have repeatedly attempted to resolve this directly with the bureaus, but they continue to verify wrong information without performing a legally required reasonable investigation.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting serious inaccurate and inconsistent credit reporting by TransUnion, Experian, and Equifax. I have disputed multiple items several times, yet none of the bureaus have conducted a proper investigation. They continue to report contradictory information about the same accounts, including showing one account as CLOSED on one report but DELINQUENT or PAST DUE on another, and showing different balances, dates, and statuses.

The bureaus also allow furnishers to update account information while my disputes are still active, which violates the FCRA. They complete investigations within only a couple of days, which is not long enough for a genuine reinvestigation. This results in inaccurate, outdated, or unverifiable information staying on my report even after I provide documentation. 

These errors are harming my credit, my ability to qualify for housing, and my overall financial stability. I have repeatedly attempted to resolve this directly with the bureaus, but they continue to verify wrong information without performing a legally required reasonable investigation.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates has not conducted a proper reinvestigation of the disputed accounts. Despite multiple disputes, PRA continues to send the same generic documents and has not addressed any of the inaccuracies I identified. Their repeated responses do not constitute a reasonable investigation under FCRA 1681s-2 ( b ) or FCRA 1681i. 

PRA was asked to verify the accuracy of the information they are furnishing. Instead of investigating the specific issues raised, they repeatedly sent the same recycled statements and form letters, without verifying ownership, correcting inconsistencies, or resolving the reporting errors. 

Key issues PRA failed to investigate : Two separate alleged accounts are being reported under the same masked account number on my XXXX file. PRA has not addressed or corrected this discrepancy. 

PRA reports Date Opened as XXXX and XXXX, despite stating the accounts originated years earlier. PRA has not provided or verified the original Date of First Delinquency, which is required for accurate reporting. 

PRA has not provided any documentation proving they are the legal owner of these alleged accounts or that the amounts they are reporting are accurate.

PRA has not provided or verified the chain of title for either account. 

PRA has not provided any documentation showing it has the legal right to furnish my information to the credit bureaus. 

Despite these unresolved issues, PRA continues to report the accounts as verified. This demonstrates an inadequate and incomplete reinvestigation process. I will attach the documents PRA sent me, which they claim are sufficient validation, so the CFPB can see that they do not meet FDCPA or FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XX/XX/year> fraudulent charge made at XXXX How this happened : I received a text message that stated I had charged XXXX via XXXX XXXX @ the XXXX XXXX and that if it was not me that made that charge to call XXXX. When I called, they said my XXXX account had been hacked and that i needed to move my money out of my bank account. He mirrored my account and had me move my money. I started to get a bad feeling that this was not legit and i ended the call. I then saw the pending out charge of XXXX to XXXX. I immediately notified my bank while the charge was still pending and asked them not to authorize that transaction, telling them what had happened. They connected me to their fraud department & the fraud department told me that I had to allow the transaction to go through and then dispute the charge, so I did. I also closed all my existing accounts and opened new accounts. Huntington Bank then opened an investigation, while they were investigating they credited my account the XXXX dollars. XX/XX/year> they took the money back stating they felt the charge was authorized. I immediately called the bank and explained again what had happened, they stated they would reopen the investigation. Again they stated that the charge was authorized, so again i asked them to reopen the investigation. I then received a letter stating that the account was permanently closed and that i was in the negative XXXX plus an XXXX $ overdraft fee. I have contacted an attorney and they told me to file a complaint with you.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Accounts are being reported as both open and in collections, which is factually impossible. Under FCRA 1681e ( b ) and 1681i, furnishers and CRAs must ensure maximum possible accuracy. 
Accounts are also reporting a manipulated or inaccurate Date of First Delinquency. 
Under FCRA 1681s-2 ( a ) ( 5 ), furnishers must report the actual DOFD and may not re-age an account. Under 1681c ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The details of the account are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last Reported : XX/XX/2025 Balance : {$280.00} Date Opened : XX/XX/2025 Description : Debt buyer account. I believe this account is inaccurate. I do not have an agreement with this Company. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or incomplete. I am requesting the immediate removal of this entry from my credit report until this matter can be resolved, as the FCRA mandates that credit reporting agencies ensure the accuracy of the information they report.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IN

Complaint narrative:
Letters dated XX/XX/XXXX were sent by Discover indicating Discover received information from the merchants, XXXX and the XXXX XXXX, that the charges were valid. The letter indicated to send a a dispute within 10 days if I did not agree. 
I filed a dispute on XX/XX/XXXX which indicated I was charged for a XX/XX/XXXX transaction at the XXXX XXXX, in XXXX XXXX XXXX. The email address was not mine. Also, I was at work that afternoon and evening in XXXX XXXX, XXXX  nearly XXXX hours away. I provided documentation showing screenshots from my bank of purchases made during the time of the concert. 
I also filed a dispute for the XXXX charges on XX/XX/XXXX. Then information provided included two IP addresses that were not mine, in two cities nearly 2 hours away. The two email addresses used are also not mine. 
The purchases were for a concert in XXXX, XXXX, which is more than 3 hours from my home. On XX/XX/XXXX, I was preparing for an ultimately hosting. I get together at my home and then I purchased tickets for an attended a football game at XXXX XXXX XXXX. After The game I made several different purchases at area local venues. Screenshots for all of those transactions were also submitted with a dispute. 

On XXXX, I received letters dated XX/XX/XXXX from Discover, indicating since the tickets that were purchased had been used, the charges were valid. However, I did not purchase nor use the above tickets! 


on the same date, XXXX, I received XXXX different letters from Discover both for XX/XX/XXXX services for concert. Tickets purchased for a show in XXXX XXXX. I submitted my dispute to Discover on XXXX, again uploading documentation that my IP and email addresses are not the same as the proof of purchase they submitted from XXXX. Given the outcome of my previous disputing of charges made during this same time frame, I am not very hopeful my dispute and concerns will be taken seriously. 


XXXX sure these concert venues have cameras, and using footage from those cameras, they should be able to tell who is using these tickets that were fraudulently purchased using my information. 


Again, I have provided information documenting that I was not in XXXX XXXX, XXXX, or XXXX on XX/XX/XXXX and XXXX. However, I was in XXXX XXXX, Indiana all day on the XXXX, and part of the XXXX, and the afternoon and evening I was in XXXX XXXX, XXXX, and XXXX, XXXX  for work related activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
dispute the accuracy of the XXXX Mortgage Interest Statement issued for my home loan, On XX/XX/2025, I requested a break down of the check that was sent to me from WFHM in the amount of {$5400.00}, which your correspondence described as follows : {$2400.00} Fee refund {$1900.00} Interest difference {$560.00} Loss of use compensation for the time I did not have access to these funds {$500.00} Inconvenience payment Total : {$5400.00} The letter accompanying this check does not state any overpaid interest amount. Despite this, Wells Fargo has reported a refund of overpaid interest on my IRS Form 1098, which has significant tax implications. This appears to be inaccurate and misleading, as the refund included multiple categories beyond interest, such as fees, compensation for loss of use, and an inconvenience payment. The overpaid interest was in the amount of {$960.00} on my 1098. I do not where the fee refund is coming from. How do I know this is the right amount of Money that is owed to me.

I have included 1098 and letter from the wfhm

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
one morning I noticed my bank account was charged for XXXX seperate amounts, but same company charging. One amount was for XXXX and the other XXXX, totaling XXXX this is with USAA and the dispute ID is XXXX for that total ( the fraud charges are with the same company so from what I see they just created one dispute with that total, but it is indeed two separate charges ). This happens XX/XX/year>. 

I never heard back from them until the amount they sent was debited back to them leaving my account negative. I've called them and asked for that authorization saying it was me and they told me it would take 10 days. even though its electronic they can do that instantly I would think.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE Account : XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/year> Capital One Bank, XXXX. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX Re : Cease & Desist + Debt Validation Request Account : XXXXXXXX XXXX XXXX  This letter is a formal directive to cease all communication pursuant to 15 U.S.C. 1692c ( c ). 
I also dispute the validity of this alleged debt and request full validation under 15 U.S.C. 1692g ( b ), including : Proof of legal right to collect Complete accounting Signed contract Original creditor details Assignment documentation No collection activity may continue until complete validation is provided. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I contacted my mortgage servicer to request that my {$10000.00} XXXX XXXX, XXXX property tax bill be paid from my escrow account. During this call, I provided the servicer with a copy of the tax bill and the Property Index Number ( PIN ), which are the documents needed to process the payment. The representative stated they needed to verify the propertys legal description with XXXX XXXX and asked me to call back in one week. 

On XX/XX/year>, I called for an update. The servicer reported no progress and instructed me to wait until XX/XX/year>, even though the tax payment is due XX/XX/year>. No explanation was provided for the delay despite the servicer having all required documentation. This delay puts me at risk of a late property tax payment through no fault of my own. 

During the XX/XX/year> call, I requested to speak with a supervisor. I was told a supervisor would return my call within 24 hours. I did not receive any follow-up call. The servicer has failed to process a routine escrow disbursement in a timely manner and has not provided adequate communication or escalation.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Accounts are being reported as both open and in collections, which is factually impossible. Under FCRA 1681e ( b ) and 1681i, furnishers and CRAs must ensure maximum possible accuracy. 
Accounts are also reporting a manipulated or inaccurate Date of First Delinquency. 
Under FCRA 1681s-2 ( a ) ( 5 ), furnishers must report the actual DOFD and may not re-age an account. Under 1681c ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX Date : XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Re : Cease & Desist + Debt Validation Account : XXXX XXXX XXXX  This letter is a Cease & Desist under 15 U.S.C. 1692c ( c ). 
I also dispute the debt and demand full validation per 15 U.S.C. 1692g ( b ).

Please provide : Proof you are authorized to collect Itemized accounting Signed contract Assignment documents Verification of accurate reporting All collection activity must stop until validation is provided. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief