vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
b'I am disputing the accuracy and validity of a Portfolio Recovery Associates (PRA) collection account that has been reporting negatively on my credit reports for over a year. I have repeatedly requested verification and validation of the alleged debt beginning in XXXX XXXX  and continuing through XXXX. PRA has never provided any documentation, contract, signature, itemized accounting, or assignment showing that they own the debt or that the debt is valid.\n\nI sent multiple written disputes and validation requests to PRA by USPS Certified Mail and Registered Mail. USPS records confirm acceptance, transit, delivery attempts, and successful deliveries at PRAs XXXX VA facility. PRA did not respond to any of these notices, even after receiving them.\n\nDespite being in active dispute and having received multiple notices, PRA continued to furnish negative information to the credit bureaus. They updated the account multiple times during an unresolved dispute, which has caused ongoing financial harm. PRA has never marked the account as disputed, nor provided validation.\n\nBecause PRA continued reporting during an unresolved written dispute and never provided validation, I completed my administrative record and filed a UCC-1 Financing Statement and a UCC-3 Amendment (posted on XXXX) securing the documented liability associated with PRAs non-response and continued negative credit reporting. These filings reflect the mailing logs, certified tracking, notices, and the damages caused by PRAs failure to validate the alleged account.\n\nI am requesting that PRA be required to provide full validation of the alleged account (contract, signature, ledger, and chain of assignment) or stop all collection and reporting activity. If PRA cannot validate the debt, I request that the tradeline be deleted from all credit reports and that PRA reimburse the documented damages incurred as a result of their non-response and continued negative reporting.\n\nUSPS Tracking Numbers (selected)XXXX XXXX   DeliveredXXXX XXXX  Missing Mail Case XXXX XXXX XXXXXXXX XXXX XXXXUS  Registered Mail delivered XXXXUCC Filings:\n UCC-1 filed XXXX UCC-3 Amendment posted XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear United chase Credit Card Customer Service Team, I am writing to formally file a complaint regarding the promotional offer of XXXX reward miles after spending {$3000.00} within the first 3 months of opening my account. 

I opened my account in XX/XX/year> and met the spending requirement on XX/XX/year>. I was informed that the promotional miles would be credited within 68 weeks, yet to this day they have not been posted. 

Since then, I have made multiple attempts to resolve this issue : When I called the first time, I was told that the miles were already showing on my statement, which was incorrect. 
I called again and the case was escalated to a supervisor, yet no solution was provided. 
I even received a letter stating that the miles would be credited in 68 weeks, but again, nothing has been credited. 

This ongoing issue has caused significant inconvenience and frustration. Had I known the promotional offer would not be honored, I would have applied for a different credit card and directed my spending to a company that values and supports its customers. 

I hope this matter can be resolved promptly. I expect a written confirmation once the miles and compensation have been applied. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding a wrongful repossession by my credit union ( American Credit Acceptance ) .On XXXX. A representative told me that if I made a payment before the end of the day, my vehicle repossession would be stopped, and that the system may take up to 24 hours to update. I paid at XXXXXXXX XXXX, before the credit unions closing time, and have the receipt. Despite this, my car was repossessed as I was making the payment. 

I was also offered a deferment XX/XX/XXXX ( pushing one month to the end of the loan ), which should remain in place. The credit union is refusing to release the vehicle and has denied my request for call recordings that show their promises. 

I request the following remedies : Immediate release of my vehicle Waiver of all repossession and storage fees Deferment honored as offered Call recordings provided I have attached all relevant evidence, including payment receipts, timestamps, and written communications. I acted in good faith based on the instructions given by the credit union, and their actions constitute deceptive collection practices and wrongful repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting multiple inaccurate items on my credit report in violation of FCRA 607 ( b ) and 611. Experian has not corrected these errors despite disputes. 

Major issues include : Wrong Date of Birth Experian is listing my DOB as only XXXX instead of XX/XX/year>, which is incorrect and incomplete. 

Account Status Issues Experian is reporting XXXX open accounts while other bureaus report open accounts. This causes scoring damage due to no open accounts in your file. 

Collections Reporting Errors The XXXX account and XXXX XXXX account contain inconsistent dates, balances, and statuses. 

Outdated Employment Information Experian is reporting employers that are old or unverifiable. 

Personal Address Reporting Conflicts Experian shows address variations not shown by other bureaus. 

Experian must maintain maximum possible accuracy. I am requesting Experian :

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 2025-11-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting incorrect personal information on my credit report. 
My correct legal name is XXXX XXXX. 
Experian is reporting inaccurate name variations including XXXX XXXX XXXX and XXXX XXXX XXXX. These names are not accurate and do not belong to me. 

Experian is also reporting an incorrect address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX I have never lived at or used this address, and it should not be on my credit report. 

I contacted Experian multiple times ( most recently this week ), and they refused to remove the incorrect names and incorrect address. 
They stated the names were connected to accounts, but this is not a valid reason to report inaccurate personal identifying information. 

Under FCRA 607 ( b ), Experian is required to maintain maximum possible accuracy in the reporting of personal information. 
These name variations and the incorrect address are inaccurate, misleading, and should not appear on my credit file. 

I am requesting that Experian correct my personal information and remove : All incorrect name variations All incorrect addresses Leaving only my true legal name : XXXX XXXX And only my current address. 

Please investigate and resolve 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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On or around XX/XX/year> USAA unilaterally closed my credit card account listed above without providing : Written notice of the closure ; A specific adverse-action reason ; Any documentation supporting or explaining the decision ; Confirmation of whether the closures were reported to XXXX, credit bureaus, or other reporting systems. 

When I contacted USAA through customer service channels, including [ phone/secure message/email ], I was repeatedly told that the bank can not disclose the reason or that the closure was simply a business decision. 
This refusal directly affects my access to my own funds and impacts my credit and financial stability. 

USAAs unexplained actions have caused me substantial and ongoing harm, including : Potential negative credit impact due to the credit card closure ; Stress, inconvenience, and financial disruption caused by the complete lack of transparency.

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 2025-11-20 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 would like to remove these items due to identity theft

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to remove these items due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, a rental debt of {$14000.00} was reported under my name even though I fulfilled all of my obligations under the lease. I submitted my 30-day notice, completed my required move-out steps, returned my keys as instructed by the property manager, and my rent through my move-out date was fully paid through approved California Rent Relief. I have documentation confirming all of this. 

On XX/XX/XXXX, I sent a formal written debt validation request to the company ( Hunter Warfield ) located in XXXXXXXX Florida by USPS Certified Mail. USPS tracking and the signed return receipt confirm that my letter was delivered and accepted. The company never provided any validation of the debt. 

Despite failing to validate the debt, the company continues to report this balance to the credit bureaus. It has now been well over 30 days without any response or documentation. The debt is unverified and inaccurately attributed to me, and I am requesting correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have/had a Capital One Savor credit card that I used for XXXX. 
I have never been late or over the limit. 
It used to be a dedicated XXXX card then terms changed but I still only used for XXXX. 
XXXX updated their credit card to XXXX XXXX  so I went online to see balance. 
I paid the balance in full and cancelled the Capital One Savor card. 
I do not receive paper statements so when I didn't receive an email with an amount due I didn't question it because I paid and closed the account. 
Today I received a text stating my credit card payment was past due. 
I went online and saw that XXXX transactions posted after I closed the account. 
I paid for the XXXX transactions and called to request the late fee be waived. 
I was told no that they would not waive the fee. 
I spoke with a Supervisor/XXXX  XXXX Rep and was again told no.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I was transferred to Fay servicing in XX/XX/year> from XXXX XXXX  where I had been for aprox 5 years. My mortgage amount at time of transfer was {$4200.00}. 
Within two months at Fay it was raised to {$4800.00} claiming escrow reassessments. 
My XX/XX/year> statement showed amount due {$5800.00}. 
A {$1500.00} raise since transferring I was appalled. I called & was told it was for force placed insurance, I told them I had a full policy coverage from XXXX They said the mailed me letters asking for proof, I received none, no emails or phone calls either. They said I should email proof which I did immediately, and within 3 days receive email confirming receipt & their acknowledgment. They said it would take 60-90 days to reassess. I said take my payment for the mortgage of {$4800.00} & apply to my account, they refused because its not full payment. Which I said that is my full amount remove the forced place back & forth they wouldnt take it & apply. 
I researched this company & saw that had a lawsuit & sued for 5 million dollars for doing this to their clients. Driving them j to foreclosure, not accepting payments & forced insurance. 
I dont wan to be delinquent & have my credit affected. There is no competent customer service at this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: HI

Complaint narrative:
I have received letters/calls from Jefferson Capital System as other debt collectors whom Jefferson Capital System supposedly sold my debt and personal information to without authorization and fraudulently Over-inflated collection fees, interest, and a completely inaccurate amount Jefferson Capital System who appears on my credit reports shows an inaccurate amount with inflated interest charges for XXXX XXXX as well as adding their companies inflated collection fees and other unnecessary charges of their own to the total amount of {$5700.00} when the amount clearly should be less or charged off if the original creditor, XXXX XXXX wrote off the debt and claimed/received tax credit with the IRS Jefferson Capital System is and continues to commit fraud and their collections report on my credit reports DOES NOT accurately reflect the original debt amount and they are using fraudulent business practices in an attempt to collect a debt in addition to charging excessive collection fees on the original debt amount Illegal, Fraudulent, Immoral, and Unethical Business Practices by Jefferson Capital System In addition XXXX XXXX should be held accountable for whom they sell someones personal information and should implore better ethical business practices in regards to consumer protection Thank You...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SC

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 efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 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: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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