vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: MN

Complaint narrative:
On XX/XX/year>, I mailed a certified FDCPA 809 ( b ) debt validation request to Portfolio Recovery Associates ( PRA ) for the alleged XXXX account they are reporting. The letter was received and signed for. PRA never provided any of the required validation, such as proof of ownership/chain of title, a signed agreement, itemized account history, or documentation showing the accuracy of the alleged balance.

Instead, PRA only sent a generic transfer notice from XXXX Bank. This is not validation under FDCPA 809 ( b ).

Despite failing to validate the debt, PRA continued to report the account to XXXX and XXXX  as verified. This violates both the FDCPA and the FCRA, which require that unvalidated information be removed or marked as disputed and unverified. 

My XX/XX/year> XXXX  credit report now shows the PRA account has been fully removed, confirming that the information could not be verified. However, XXXX  and XXXX  continue to report the account even though PRA has still not validated it. 

PRA also falsely stated in their previous CFPB response that they sent validating documentation, which is incorrect. No actual validation was providedonly a transfer notice, which does not prove ownership, accuracy, or liability.

I am requesting that PRA be required to provide proper FDCPA-compliant validation or cease collection activity entirely, including furnishing this account to any consumer reporting agency. The debt remains unvalidated and should not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: PA

Complaint narrative:
In XXXX, Chime is facing a class-action lawsuit in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Washington that alleges the company violated the Washington Commercial Electronic Mail Act ( CEMA ) by sending unsolicited text messages to consumers. The suit claims that Chime incentivizes its customers to send promotional text messages to their contacts by offering referral bonuses, which leads to the recipients receiving unwanted marketing messages. Also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am submitting additional information regarding my complaint against Portfolio Recovery Associates. 

After I submitted my complaint, Portfolio Recovery Associates contacted me with a generic payment solicitation email. They did not address the issues in my complaint and did not provide any of the documentation I requested. 

They have still not provided : Validation of the debt Proof of the original creditor agreement Proof of ownership/chain of title An accurate breakdown of the balance Documentation supporting the dates and status they are reporting Instead, they sent me an email directing me to make payments.

This means PRA is attempting to collect a debt while the account is in dispute and during an active CFPB investigation, without first providing validation.

This is non-compliant with federal regulations and does not resolve my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the CFPBs assistance in having the bankruptcy information appearing on my credit report re-investigated and removed. The bankruptcy entries being reported are inaccurate, incomplete, and not properly verified by the credit reporting agencies. I have contacted the credit bureaus and requested verification. However, they have not provided any supporting documentation from the court, nor have they shown that the reported bankruptcy records were obtained directly from the court or matched to my identifying information with full accuracy. Under the Fair Credit Reporting Act, credit bureaus must ensure that all information they report is accurate and verifiable. In this case, they have not demonstrated that proper verification took place before adding or continuing to report these entries. Because the bureaus have not supplied proof from the original court records, I am requesting that the CFPB require the credit bureaus to conduct a proper investigation. If they can not verify the bankruptcy information directly with the court and provide documentation, I am requesting that these entries be removed from my credit report. This matter is a priority for me because the presence of unverified or incorrect bankruptcy information is causing substantial and ongoing harm to my credit profile, financial opportunities, and ability to obtain housing and credit. Thank you for reviewing my complaint and for your assistance in ensuring the accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting the CFPBs assistance in having the bankruptcy information appearing on my credit report re-investigated and removed. The bankruptcy entries being reported are inaccurate, incomplete, and not properly verified by the credit reporting agencies. I have contacted the credit bureaus and requested verification. However, they have not provided any supporting documentation from the court, nor have they shown that the reported bankruptcy records were obtained directly from the court or matched to my identifying information with full accuracy. Under the Fair Credit Reporting Act, credit bureaus must ensure that all information they report is accurate and verifiable. In this case, they have not demonstrated that proper verification took place before adding or continuing to report these entries. Because the bureaus have not supplied proof from the original court records, I am requesting that the CFPB require the credit bureaus to conduct a proper investigation. If they can not verify the bankruptcy information directly with the court and provide documentation, I am requesting that these entries be removed from my credit report. This matter is a priority for me because the presence of unverified or incorrect bankruptcy information is causing substantial and ongoing harm to my credit profile, financial opportunities, and ability to obtain housing and credit. Thank you for reviewing my complaint and for your assistance in ensuring the accuracy of my credit 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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didnt follow the 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

National Credit Systems {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
THE COMPANY IS XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX MI, XXXX STOLE MY IDENTIY ALSO XXXX XXXX LOCK ME OUT BECAUSE A FRAUD PERSON CREATED AN ACCOUNT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
The bank SoFi locked my account due to irregular activity during me trying to dispute not receiving the refunds XXXX XXXX gave to me. XXXX gave me a few large Refunds due to 3 subscriptions they have accidentally charged me for for a year, unfortunately they put it in my old SoFi debit card ended in XXXX which is why I never received it. I sent Sofi screenshots from XXXX showing the transactions being refunded to my old card however they said it could take up to 10 days. This began XXXX XXXX, XX/XX/XXXX my current card received a few of the refunds however my old card received zero of the refunds which was a majority of the refund ( around {$500.00} ). Now suddenly today they froze my account and will close the account even though I have money in there, the ONLY money I have in this world. They will not unfreeze it so I can pay any of my bills, buy food for my family or gas to get to work. They will also reject my paycheck coming Friday XXXX XXXX which is my rent money. They said once the investigation is completed they will send me a check of whatever is left, they said this can take until XX/XX/year>. I do not have a penny to my name, what am I supposed to do now? Plus there was zero irregular activity on my account and transactions, nothing was irregular, this happened when I demanded after 22 days of waiting for my refund from XXXX. They have all the information needed, they just won't give me my money, plus the money I already have in the account that I desperately need. They also started disputing EVERY XXXX retail and marketplace transactions which I told them from day one the only refunds I'm needing are the XXXX XXXX. Now I have nothing and they don't care that I have no money to buy food for my children or gas to get to work. I'll loose my job, I'll not be able to pay rent and end up homeless because of their incompetency. One representative even laughed at me when I asked if I could borrow money to buy milk and gas for my family. They don't care and are disputing all the transactions from XXXX EXCEPT the actual digital ones I requested over 22 days ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
I am filing this complaint because HireRight is reporting a XXXX accident/jackknife on my DAC/background report that is now obsolete and inaccurate. This information is blocking me from getting employment in the trucking industry. 

The XXXX accidents occurred in XX/XX/XXXX and XX/XX/XXXX, but HireRight shows the employer did not report them until XX/XX/XXXX. This late reporting extends the negative impact beyond the normal timeframe and is misleading and unfair. 

I contacted HireRight multiple times to dispute this information. Instead of helping me, they gave me conflicting and incorrect explanations. I was repeatedly told that everything stays XXXX years, and that only the employer can change it, even though HireRight is responsible for ensuring the accuracy and fairness of information they publish under the Fair Credit Reporting Act ( FCRA ). 

Because the employer delayed reporting and HireRight refuses to properly reinvestigate, the information is now outdated, misleading, and harming my ability to work. 

I am requesting a full reinvestigation and removal or suppression of these entries due to inaccurate and unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The reported item misstates my financial practices. Please evaluate the data and update it to ensure accuracy.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX  - XXXX, XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

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 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I was a victim of identity theft and according to 18 U.S.C. 1028 - U.S. Code- this debt should be removed immediately from my credit report without proof of a birth certificate social security card or passport

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XX/XX/year>, I called Chexsystem regarding them reporting I have written a bad check or have drawn on the XXXX  checking account for the {$130.00}. I told them I did not do this and I also went to the XXXX branch in downtown XXXX XXXX who said they couldn't give me any information but I needed to pay the above amount.

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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint to request that the Consumer Financial Protection Bureau review and take immediate action regarding negative and inaccurate accounts being reported by XXXX XXXX  Account numbers # XXXX, XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX These accounts is being falsely or inaccurately reported, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have requested verification and documentation from the furnisher, but they have failed to provide proof of debt ownership or authorization to report this account. Despite this, the account remains on my credit report, continuing to harm my creditworthiness, financial opportunities, and emotional well-being. 
I am demanding that the furnisher : 1Cease and desist all collection and reporting activity related to this account.

2Immediately delete the account from all credit reporting agencies ( Experian, XXXX, and TransUnion ). 
3Provide written proof of deletion and confirmation of compliance. 
Additionally, due to the ongoing damage caused by their failure to accurately report and verify information, I am requesting financial compensation for the negative impact on my credit profile, denied credit opportunities, and emotional distress. 
I have attached all relevant documentation supporting my claim and respectfully request the CFPBs assistance in holding the furnisher accountable and ensuring this matter is resolved promptly.

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