vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
The account shows : 38 months of continuous CO reporting New CO updates in XXXX, XXXX, and XXXX despite being charged off in XXXX Reporting a past-due balance after charge-off ( not allowed ) Reporting balance higher than the credit limit Incorrect status update date ( XXXX ) Negative payment history that is not accurate Under FCRA 1681s-2, furnishers are required to report accurate and complete information.

This account contains multiple reporting inaccuracies.

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 2025-11-16 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: IL

Complaint narrative:
Between XXXX and XXXX, multiple credit accounts, collection accounts, and derogatory entries appeared on my credit reports that I did not open, authorize, or recognize. Some of these accounts were shown as opened in XXXX, XXXX, XXXX, and XXXX, and several reported balances ranging from a few XXXX dollars to more than {$10000.00}. These accounts included credit cards, buy-now-pay-later loans, and collection accounts that reflected charge-offs, 120-day late payments, and even a repossession remark from XXXX that I had no knowledge of. None of these accounts or negative events reflect my actual financial activity. 

Once I discovered these issues, I disputed the accounts with the credit bureaus and contacted the companies reporting the information. I submitted documentation showing that I did not authorize these accounts and requested that the fraudulent or inaccurate information be removed. Despite these actions, several of the disputed accounts and incorrect balances continue to be reported. The companies involved have either failed to respond adequately or have continued reporting the information without verifying its accuracy. Because these accounts were created without my consent and the negative information is not valid, I am requesting that the companies involved correct or remove all inaccurate or fraudulent data from my credit reports.

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 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) continued collection activity AFTER I elected arbitration under the original creditors agreement. 

On XX/XX/2025, PRA received my Notice of Intent to Arbitrate ( XXXX Certified Mail proof attached ). After receiving this arbitration notice, PRA illegally updated my credit report by adding a new derogatory remark : Consumer Disputes After Resolution. 

Updating, modifying, or furnishing new credit information after arbitration has been invoked is considered continued collection activity, which violates : FDCPA 807 FDCPA 809 FCRA 623 CFPB Regulation F The binding arbitration clause governing the original account I am requesting : Immediate deletion of the PRA collection account from all credit bureaus A full investigation into PRAs continued collection activity after arbitration election PRA to cease ALL collection activity during arbitration, as required I am attaching : Certified mail proof of arbitration notice delivery Screenshot of PRAs updated credit reporting Copy of my Notice of Intent to Arbitrate Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I made purchase thru XXXX usingy cash app card. I opened dispute with cash app. XX/XX/XXXX th there has been no activity on my dispute opened. It is past the 10 days. I was quoted o open dispute due to XXXX. Not sending me anything. Cash app telling me. Now it will take 45 days to answeru dispute but. In reality. The disputed transaction on XXXX only action. On that transaction is me paying for item never received. Prior to cash app having pay out settlements any disputed transactions were. Resolved within 10 days. Now after. They had pay settlement. It's taking 45 days. I feel my $ is being held due to this. And when I called I was told once their waiting on XXXX  release. My refund. Now it's still being investigated I paid d for order XX/XX/XXXX th. Still don't have my $ or order XXXX. Said they can't issue refund till cash app finish their. Investigation. I ask cash app close dispute so XXXX can release the funds only be told they can't this transaction. Doesn't take 46 days to resolve and in cash app it shows where there at in dispute process only action taking on it. Is me filing.. I feel I'm XXXX XXXX given run around due to them. Having pay out the settlement and dragging my dispute along due to thSt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX amount {$1800.00} I did not open this account. identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Financial Assistance Inc
State: WA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX and its collection XXXX XXXX XXXX  XXXX XXXX for violating the mandatory arbitration clause in the XXXX XXXX XXXX XXXX and Account Agreement for my account number XXXX, filing an improper lawsuit against me, causing a wrongful default judgment, and reporting inaccurate information to the credit bureaus. 
XXXX XXXX XXXX contract clearly states that any and all claims between the parties must be resolved through binding arbitration, and that both parties waive the right to go to court. I have attached the arbitration agreement showing this language. 
Despite this binding agreement, XXXX XXXX  XXXX XXXX, acting on behalf of XXXX XXXX XXXX, filed a lawsuit against me in XXXX XXXX XXXX XXXX without ever offering arbitration or informal resolution. This directly violates the Federal Arbitration Act, the XXXX  XXXX XXXX, the contract itself, and federal debt collection laws ( FDCPA ). 
Additionally, I was never properly served, yet a default judgment was entered against me in XX/XX/year>. I discovered this only after reviewing my credit reports. I have a hearing scheduled for XX/XX/year> to vacate the improper judgment. 
This wrongful lawsuit caused : A judgment to be placed against me without notice Damage to my credit profile Stress, financial harm, and time spent defending a case that should have never been filed Ongoing negative reporting and collection activity XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX continue reporting negative information and adding interest even though the account is in dispute, under arbitration, and was handled in violation of the contract. 
I am requesting the CFPB to review the conduct of XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX, including the following violations : Ignoring a binding arbitration clause Filing a lawsuit prohibited by contract Improper service Entering a default judgment unlawfully Violating the Federal Arbitration Act Violating the XXXX  XXXX XXXX Violating the FDCPA by using false and unfair collection methods Reporting inaccurate or incomplete information to the credit bureaus I respectfully request CFPB intervention to ensure the creditor and collector correct their actions and comply with federal law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
CFPB, I am filing this complaint regarding my account with Uprova. I want to clearly state that I am not disputing the balance that I owe. My concern is not about the accuracy of the amount or how it was calculated. 

I am genuinely grateful that Uprova has worked with me and provided a payment arrangement that helped me manage my obligations. I also want the agency to know that I have been honoring the current payment plan that Uprova and I agreed upon, and I have made every effort to remain compliant with the terms. 

Recently, however, I have been experiencing very serious medical problems that have created significant physical and financial hardship. These medical issues have made it increasingly difficult to continue managing the remaining balance, despite my good-faith efforts and consistent payments.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is reporting XXXX XXXX XXXX XXXX  account under XXXX different names and XXXX different account numbers, which is illegal, misleading, and a direct violation of the FCRA. 
Here are the XXXX versions they are reporting : Version XXXX : Portfolio Recovery Acct # : XXXX Balance : {$1600.00} Version XXXX : Portfolio RC Acct # : XXXX Balance : {$1600.00} Version XXXX : Portfolio Recovery Associates Acct # : XXXX Balance : {$1600.00} These are all the same debt, yet Portfolio is reporting : XXXX different furnishers XXXX different account numbers XXXX different balances Different dates Multiple active collections for the same account This is duplicate reporting, mixed data, and false representation of the creditor, which violates : FCRA 1681e ( b ) must report with maximum possible accuracy FCRA 1681i ( a ) failure to reinvestigate FCRA 1681s-2 ( b ) furnishing inaccurate information after dispute FDCPA 1692e ( 2 ) false representation of the character/amount of a debt FDCPA 1692g ( b ) continued collection without validation Metro-2 rules one account = one tradeline only I have disputed this for over 60 days, and Portfolio has not provided : The original XXXX XXXX contract Proof of assignment A payment ledger An itemized balance calculation DOFD documentation They sent only a generic bill, which does not meet FDCPA validation requirements. 
The fact that Portfolio is reporting multiple versions of the same debt proves they do not have accurate records and can not validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
My car was repossessed when it was parked at my friends house in pa. Everything I owned was in the vehicle. I immediately told the bank I was having money troubles and I had to put thousands into the car cause it kept breaking down I lost my business cause of this situation. I was a XXXX XXXX XXXX with a broken down work vehicle. Over and over this car was having to be put in the mechanic shop. I told the bank they never told me I had a warranty that I bought at purchase of this car. It was a XXXX XXXX XXXX  with XXXX miles on it and I found out after repo that I in fact had paid for a XXXX warranty at purchase that was outdated a few months before the repo. During the repo the company cleared out my car and by admission from the tow company people or desk worker or someone there she verbatim said they discarded my property and she had defected remember my car cause of how full it was and how nice my XXXX was inside her words verbatim then after calling the back and calling the tow place for days after having flown to Philadelphia from Florida I was told after I paid the {$1300.00} that I list everything in the car it was discarded including my license tag then a day and a half They told me that they in fact found my license tag, but that was it so they lost everything else in my car. I had two pair of XXXX XXXX XXXX. I had XXXX XXXX XXXX. I had 12 pair of XXXX XXXX  amongst thousands of others dollars worth of property the girl at the Tow place said that she discarded of my property and my car was taken to auction in 21 days after repossession while in fact, I was definitely telling the Bank and keeping in touch with them and having them call the tow place that I was coming for my car like I did so I lost over {$13000.00} worth of property inside my vehicle and Shoes loan. I want my things back. My car is now broke down again sitting in the middle of XXXX XXXX XXXX Florida. Im in Philadelphia. Lost my job my business because of this and the bank has nothing to say to me. Please help me. I now have no vehicle to conduct business. The company is called Credit Acceptance.

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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Statement of What Happened : On XX/XX/year>, I received a legitimate payment through XXXX from my job XXXX XXXX XXXX / XXXX XXXX XXXX in the amount of {$320.00}. Before receiving that payment, I already had over {$500.00} in my account. 
On Thursday, XX/XX/XXXX, I checked my account and discovered multiple fraudulent transactions. 
XXXX unauthorized mobile check deposits, totaling {$1200.00} ( {$400.00} each ), were deposited into my account with forged endorsements. I have never used mobile check deposit, I do not have checks to deposit, and anytime I receive money, I deposit it in person at the bank. 
The checks were made payable to an insurance company, but when I called the phone number printed on them ( XXXX ), it did not connect to the company it connects to a XXXX XXXX XXXX, which shows the checks were fraudulent. 
After these forged checks were deposited, unauthorized XXXX transfers were made from my account to people I do not know. I did not authorize any of these transactions. I only use my banking app to check my balance and manage my account never to deposit checks. 
I reported the fraud immediately. Since then, Wells Fargo froze my account, and I have no access to my funds or debit card. I am now being told that I am responsible for a negative balance of over {$600.00}, even though I am the victim of fraud. Loss Prevention and Fraud Claims both told me there is nothing they can do, and my account is scheduled to be closed on XX/XX/XXXX. 
The bank has refused to investigate the forged checks or unauthorized XXXX transfers.

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 2025-11-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My reverse mortgage company continuously rebranded their name { twice that I'm aware of } and with each time renaming the company from phh reverse mortgage company to XXXX XXXX XXXX XXXX { from notices I received as emails or in the mail } each time the interest rate was raised from what I was told was a fixed rate at the beginning of the application and when documents were first signed .. From 4 % { XXXX } fixed rate to 9 % { XXXX } .. My inquiry would be if this is legal practice or fraud via selling my mortgage to modify terms without informing me.. Please call or email me if you think there is a case of misrepresentations thank you .. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NJ

Complaint narrative:
My first awareness of this debt was when I saw it on my credit report. I have no prior relationship with XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm is reporting a {$240.00} collection account ( Code : XXXX ) on my XXXX  report, but they have not validated the debt at all. I disputed this account over 60 days ago, and Affirm responded with only a generic bill, which is not validation under FDCPA 1692g ( b ).

Affirm failed to provide : The original signed agreement Full payment and transaction ledger Itemized breakdown of the {$240.00} balance Proof of charge-off calculation DOFD documentation XXXX supporting data XXXX  also violated FCRA 1681i ( a ) by accepting an unverified response and leaving the account on my report after claiming the dispute was fraud/third-party submitted. That language is a stall tactic and does not suspend XXXX  legal duty to reinvestigate. 
Reporting unverified collection data violates FCRA 1681e ( b ) and 1681s-2 ( b ) because Affirm did not prove the debt is accurate, valid, or legally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
15 usc 1681A4. Violation of Privacy.

15 usc 1681EB. Not 100 % accurate.

15 usc 16812AI. No transactions recorded.

18 usc 1028A. Aggravated Identity Theft.

15 usc 1692C. Illegal contact without written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had a QuickSilver card with Capital One that got closed when I was laid off during the COVID pandemic. I've reestablished a relationship with them with new cards, but seeing a closed account from years ago on their dashboard is upsetting. It wasn't always visible and had been for several years after an app update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing to you today regarding a serious issue of identity theft that has significantly impacted my financial standing and credit score. In the first week of XX/XX/year>, an unauthorized individual utilized my identity to open a Gap Rewards Card account under BARCLAYS. Upon discovering this fraudulent activity, I promptly contacted your company to report the unauthorized transaction. 

Following your initial investigation, I was unfortunately deemed responsible for the payment. I immediately challenged this finding, providing evidence in the form of my time card to demonstrate that I was at work during the time of the alleged purchase, thus proving I could not have made the transaction. After a subsequent three-month investigation, BARCLAYS ultimately concluded that I was not responsible for the payment, which I believed had resolved the matter.

However, my credit score has since declined, and I have begun receiving billing statements for the Gap Rewards Card, labeling me as delinquent for non-payment. Upon contacting Barclays again, I was informed that a reinvestigation was conducted in XX/XX/year> without any prior notification to me, either by phone or mail. I am currently awaiting the results of this latest investigation. 

I am a victim of identity theft, and the manner in which this situation has been handled by Barclays has been both unfair and frustrating. I urgently request your assistance in rectifying my credit report and resolving this matter definitively.

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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I noticed this month, XX/XX/year>, that my cashapp account was closed. I also noticed that the Legal Name in the settings was changed to somebody else. CashApp was unwilling to investigate the fraud concern, and is upholding the ban, despite me not having access to the account due to a bad actor compromising the security. CashApp allowed the changing of the documents on the account without verification of the person, including the SSN, and the legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts and inaccuracies that are reporting inaccurately and without my knowledge. Please help me get these accounts and inaccuracies remove immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I was gifted a {$1000.00} American Express gift card a few years back. I went to check the balance today and was told by American Express that since I waited too long to use the card it was turned over to the state as unclaimed property. There has been XXXX transactions on the gift card yet theres a XXXX balance. I have never used the card and its still within the expiration date. I am currently out of a {$1000.00} right now with no way to claim the property as this was gifted to me.

Company response to consumer: Closed with explanation