vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Credit Reporting Agencies Failure to Comply with FCRA, UCC, and Intellectual Property Protections Complaint Summary : I submitted a Formal Notice of Dispute and Liability to all three major credit reporting agencies regarding the inaccurate and unauthorized reporting of accounts under my name. My notices included : Affidavit of Truth establishing my position as Secured Party Creditor and living woman. 

Notice of Dispute under the Fair Credit Reporting Act ( FCRA ). 

Notice of Liability citing violations under the FCRA, Uniform Commercial Code ( UCC ), and my intellectual property rights regarding unauthorized use of my legal name without consent. 

Court-certified documents including Dual Power of Attorney in Fact, Hold Harmless and Indemnity Agreement, and my recorded copyright/trademark affidavit regarding my name. 

These were properly served by certified mail with return receipts, creating a valid record of delivery. 

Despite being on formal notice, the credit reporting agencies have continued to publish, report, and disseminate disputed information on my consumer credit reports, in direct violation of their obligations under : FCRA 611 ( 15 U.S.C. 1681i ) : Duty to reinvestigate disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Duty to accurately report and correct errors.

FCRA 607 ( 15 U.S.C. 1681e ) : Duty to maintain reasonable procedures to assure maximum possible accuracy.

By continuing to report disputed and unvalidated information after notice, the agencies are engaging in : Willful noncompliance with FCRA. 

Unauthorized use of my intellectual property ( name, copyright/trademark recorded with public authorities ). 

Commercial harm and reputational damage to me as the living woman and Secured Party Creditor. 

Relief Requested : I respectfully request the CFPB to : Investigate the failure of Equifax, Experian, and TransUnion to properly validate, correct, or remove disputed information. 

Compel deletion of all tradelines and information that remain disputed and unvalidated. 

Impose penalties for ongoing violations of federal consumer protection laws. 

Require written confirmation from each agency that my consumer reports have been corrected and that my intellectual property ( legal name ) will not be used without authorization. 

Supporting Documents Attached : Certified Mail Receipts and Tracking Copies of my Formal Notices of Dispute and Liability Affidavit of Truth Dual Power of Attorney in Fact & Hold Harmless Agreement Recorded Copyright/Trademark Affidavit of my name UCC filings and evidence of secured party status Respectfully submitted, : Nicole-Early : Secured Party Creditor Date : [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: MI

Complaint narrative:
A server for Jefferson Capital went to an address I no longer live at ( my mother 's house ) and tried to deliver a summons for a court date in a county I no longer live in. 

All attempts to contact them during their normal business hours have lead to absolutely zero contact with a representative to set up any sort of payment plan or even confirm the debt is mine. 

I went through my email and they sent one email back in XXXX to an old email address saying they now owned the debt, but had sent nothing since that initial email and I have no record of phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : Re : Formal Notice of Cease & Desist and Permissible Purpose Demand This letter serves as my official notice regarding your actions involving my consumer credit file and any alleged debt collection attempts. 
Pursuant to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer LVNV FUNDING LLC Re : Cease and Desist & Permissible Purpose Demand Account # XXXX Reported Date : XX/XX/XXXX Amount : {$100.00} Re : Cease and Desist & Permissible Purpose reporting agency may only furnish a consumer report under certain legally defined permissible purposes. If you, your company, or any affiliated party have accessed, obtained, or reported information concerning me without a legally valid permissible purpose, you are in direct violation of federal law. You are hereby required to provide documented proof of your permissible purpose for any and all activity related to my consumer report. 
Additionally, pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), this letter constitutes my formal cease and desist demand. You are instructed to immediately stop all communications with me regarding any alleged debt, whether by phone, mail, email, text, or through third parties, including my employer and family. Any continued contact after receipt of this notice will be considered a wilful violation of federal law. 
Failure to comply with the above will leave me with no choice but to take immediate action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to initiate a private civil lawsuit against your company for statutory damages, attorneys fees, and any additional relief allowed under the law. 
You have 15 days from receipt of this letter to provide written proof of your permissible purpose, and to confirm that all further communication with me will cease. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
Mortgage was paid off by wire transfer on XX/XX/XXXX by XXXX XXXX. I contacted the loan servicer on XX/XX/XXXX via there message system under my account to ask why the loan isnt shown as paid in full. They advised they never received a payment. I sent another message with the wire confirmation. I then contacted the title company and mortgage company via a conference call so we can provide the wire information. The mortgage company then put in a ticket to find the funds. As of XX/XX/XXXX, XXXX business days later they still havent credited my account to show paid in full. 

I also have another mortgage with this servicer. I have always done an ACH payment through my bank. Up until my my loan was transferred to this servicer it had always posted within XXXX business day. Now since XXXX they do not post the funds, send me late notices, call me to advise they havent received the funds. My payments are set up automatically to be sent on the XXXX of every month as the payment is due by the XXXX without incurring late charges. I have statements since XXXX this company showing late payments then removing them but showing the payment credited up to XXXX  days after the XXXX of the month. 

They always state they have to look for the funds. 

I need my mortgage payoff resolved as soon as possible. They are holding the funds and not crediting them as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/year>, I deposited a {$2000.00} personal check issued by XXXX XXXX into my PNC Bank account ending in XXXX using the PNC mobile app. The account activity shows the deposit was accepted, yet my available balance has not increased. I was not shown any hold notice in the app or at the time of deposit and only learned of the hold when I called PNC to ask about the status of the check. The representative said a letter explaining the hold was mailed to me but would take about XXXX days to arrive, even though I normally receive PNC notifications by email. Under the Expedited Funds Availability Act and Regulation CC ( 229.10-13 ), at least {$220.00} of the deposit should have been available by the next business day, and the bank must provide a timely written or electronic notice explaining any exception hold and the exact date the funds will be released. I believe PNC failed to meet these requirements by withholding the required amount without prompt notice and by delaying the explanation until a mailed letter arrives. I respectfully request that regulators investigate PNCs handling of this deposit, require the bank to explain the reason for the hold, ensure compliance with federal law, and determine any corrective action or restitution owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-30 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: OK

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-09-30 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: COMMERCE BANK
State: MO

Complaint narrative:
Dear CFPB XXXX XXXX XXXX, My name is XXXX XXXX XXXX, and I am submitting a formal complaint regarding unauthorized access and financial misconduct involving my Commerce Bank checking account. Between late XXXX and early XXXX, my account was accessed through stolen devices and unfamiliar email addresses, resulting in declined transactions, altered banking profile settings, and the closure of my account without investigation or restitution. 
I have attached a detailed evidence packet that includes : A timeline of events Screenshots showing unauthorized transactions and device access Alerts tied to email addresses and phone numbers I did not authorize Documentation of a canceled insurance policy and compromised contact information A victim impact statement describing the emotional and financial harm caused Despite multiple attempts to resolve this directly with Commerce Bank, my concerns were dismissed, and my account was closed. As a single mother and pharmacy student at XXXX, this disruption has deeply impacted my housing stability and ability to care for my family. 
I respectfully request that the CFPB investigate this matter and help ensure accountability, restitution, and protection for consumers facing similar violations. 
Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
My XXXX XXXX was repossessed on XX/XX/year>. I called Honda Financial Services on XX/XX/year> and they confirmed they had the vehicle. I asked for the past due balance to pay the bill I did not know was delinquent and where the vehicle was located and they did not have that information. They said that the recovery team will call me back in 2 business days. I live in PA, by PA law states they are to provide me with the past due balance within 1 business day in writing either hand delivered or by mail and have failed to do so as of this writing XX/XX/year>. I thought I had this bill set up to auto pay through my bank but when my bank was sold/combined with another local bank it seems the payments were not continuing. I also was paying more than my payment was monthly, my payment was $ XXXX  monthly but I was regularly paying {$330.00}. I would like to solve this delinquency but seems like I am unable to do so without proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company
State: NY

Complaint narrative:
I have been receiving daily calls shortly after XXXX from blocked and unknown phone numbers. No messages are left. The phone numbers have been traced back to Frost-Arnett collection agency. They were advised weeks ago to not call me and for all communication to be in the form of writing. The repetitive daily calls from blocked and unknown numbers is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-09-30 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-30 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I purchased a computer with two service memberships for one year. I only had them for a year. One of the memberships was cancelled correctly while the other stay active. I was not aware of the activity until my credit score dropped XXXX points because i did not pay the balance. I was not aware the balance was that as i have received many fraud emails that look like best buy/XXXX. I have not made any purchases at best buy since such computer and i assumed it was fraud. 

Best Buy Credit Card charged me for a membership that i canceled with the other one i had. As i have received many fraud emails resembling best buy, i ignored it. I incurred in late fees, and now my credit score via XXXX  dropped by XXXX points which it is significant. 

Date of charge : XX/XX/XXXX for {$100.00} Membership was sold via a new computer for a purchase in XXXX. That membership was not to be auto renewal but credit card charged me anyway in XXXX. 
Dispute with credit card was raised.

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