vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 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: MI

Complaint narrative:
I have reviewed Portfolio Recovery Associates ' response and the attached documentation. I continue to dispute the accuracy and completeness of the information being reported. The documentation supplied by PRA does not establish the accuracy of the information being furnished to the consumer reporting agencies. The attached documents consist primarily of a notice that XXXX XXXX sold the account to PRA and a cover letter stating that PRA investigated my dispute. These documents do not substantiate the accuracy of the specific credit reporting information being furnished. PRA has not provided documentation establishing : The complete account history. The payment history used to calculate the reported delinquency. The basis for the reported Date of First Delinquency. The accounting records supporting the reported balance. The procedures used during its FCRA reinvestigation. Verification of each disputed data field reported to Experian, Equifax, and TransUnion. Compliance with XXXX XXXX reporting requirements and industry reporting standards. A notice of account sale only demonstrates that an account may have been transferred. It does not establish that all information currently being reported is accurate, complete, and verifiable as required by the Fair Credit Reporting Act. PRA states that it investigated my dispute and verified the account. However, it has not identified the records reviewed, the investigation procedures used, or the evidence relied upon to verify the disputed reporting fields. Accordingly, I request that PRA provide competent documentary evidence supporting every item of information being reported. If PRA can not substantiate the disputed information with complete business records, I request deletion of the tradeline from all consumer reporting agencies pursuant to the Fair Credit Reporting Act. I further request that PRA provide : 1. The complete payment history. 2. The charge-off statement from the original creditor. 3. Documentation establishing the Date of First Delinquency. 4. Documentation supporting the reported balance. 5. The specific records reviewed during the investigation. 6. Evidence that all furnished data complies with XXXX XXXX reporting standards. Until such documentation is provided, I maintain that the investigation was not reasonable and that the disputed information remains unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
These r proofs they r keeping my money they won't release platinum card XXXX they won't tell me who XXXX is and why he's controlling my accounts

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 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellantis Financial Services US Corp.
State: OK

Complaint narrative:
We have tried many times to pay our bill we call and they say they can not disclose any information to us about or account I log into app there isnt a bill due I try email no one response I honestly do not know how to pay this bill they will not mail a paper bills or anything

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 2026-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of information being reported on my credit reports. The XXXX XXXX XXXX XXXX auto loan/repossession account is being reported by Experian and XXXX but is not being reported by XXXX. If this account was properly verified and accurately reported, I do not understand why it appears on some credit bureaus and not others. In addition, my personal information is being reported inconsistently. My name appears in multiple different variations across the credit bureaus, including misspellings and inaccurate name combinations. These inconsistencies raise concerns regarding the procedures used to verify and match information to my credit file. I have previously disputed inaccurate personal information and requested corrections. I have also taken steps to protect my identity by freezing secondary reporting agencies. Despite these efforts, inaccurate and inconsistent information continues to appear on my credit reports. I am requesting that the company provide documentation showing how this account was verified and how it was determined to belong to me despite the inconsistent identifying information being reported. If the information can not be accurately verified, I am requesting that it be removed from my credit reports in accordance with the Fair Credit Reporting Act. I am also requesting correction of all inaccurate name variations and any other inaccurate personal identifying information associated with my credit file.

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 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX or XXXX I contacted Cash App concerning a {$31.00} i did not recognize, which the next 2 days I realized it was my new door camera, which did not have the name anywhere on the transaction, also I thought it was connected to another credit card not cash app/XXXX, but when I realized what it was I immediately called and contacted Cash App support to let them know I realized its my new door camera company. Also there was several {$1.00} charges i didn't recognize but I even told them it was ok because it only added up to less then {$5.00}. Then a couple days later I ordered food from XXXX XXXX XXXX XXXX XXXX, the very first order never came, actually I was standing outside chatting with my neighbor when I realized my order was super late so I called XXXX at the agent informed me that the driver was still looking for my address, I said ok fine, called back 15 minutes later to be told my order had been delivered to me which was not true at all, so I requested my money refunded and they said the would not be refunding my money I informed I would be contacting Cash App to dispute that {$37.00} charge, in the meantime I placed the exact same order with XXXX XXXX XXXX with a larger time which that order was {$41.00}. I was in touch with Cash App the entire time but the closed my Cash App account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: CA

Complaint narrative:
DISPUTED ACCOUNTS & BASIS OF DISPUTE : XXXX XXXX XXXX, XXXX, Opened XX/XX/XXXX This account is ILLEGALLY REINSERTED without proper notification, no documentation or any written information and all the information reported in here are all erroneous and inaccurate. Please block this account PERMANENTLY in my credit reports. XXXX XXXX XXXX Date Opened : XX/XX/XXXX This account is ILLEGALLY REINSERTED without proper notification, no documentation or any written information and all the information reported in here are all erroneous and inaccurate. Please block this account PERMANENTLY in my credit reports. XXXX XXXX Date Opened : XX/XX/XXXX This account is ILLEGALLY REINSERTED without proper notification, no documentation or any written information and all the information reported in here are all erroneous and inaccurate. Please block this account PERMANENTLY in 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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The end of XXXX, and the beginning of XXXX there were transactions that was made on my account. Some was declined and some was approved that I did not authorize. I filed a claim they denied my claim. I filed another claim. They refunded the money until they did the investigation and then they took the money back and said I authorize the transactions which I did not when I saw transactions being made on my account, I immediately locked my card and contacted the bank. I requested documentations to show their investigation which Im just now receiving and again I am not seeing how Im responsible for these transactions that was 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 explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Action Collection Service
State: ID

Complaint narrative:
I received a letter via XXXX from Action Collection Service Inc.Dated XXXX XXXX stating that they are collecting a debt for XXXX XXXX XXXX for {$1300.00} I called the office XXXX and spoke with XXXX on XX/XX/XXXX at XXXX MDT. I indicated that this was resolved in bankruptcy case XXXX in Idaho and discharged on XX/XX/XXXX, and that this debt was listed in the bankruptcy. She took the information and said she would verify. I asked why they were collecting and why they did not check public record before trying to collect a debt not owed? No answer was given. I was told to call back in the next week to verify status. I called back on XX/XX/XXXX and spoke with XXXX. She looked up my case and replied with the same information I gave them the prior week. I asked for verification from their office VIA Email or USPS stating that this matter had been resolved. They refused to do so. I forcefully indicated that they were attempting to collect on a debt not owed and now can not give me a confirmation that the issue has been resolved. That I would just have to take their word for it. I don't know why they were trying to extort money from me, nor do I know why they did not verify public record before attempting to collect a perceived outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
My vehicle got repossessed. I received an email stating I needed to pay approximately {$4700.00} which was the payoff amount to get my vehicle back. I paid it. Now they say I am {$260.00} short due to accrued interest and wont release my vehicle. I was told a dispute was put in on Friday and a manual release was put in on Monday ( yesterday ), though I do not know how true that is. At least two different supervisors told me I would receive some kind of communication and I have received nothing. I am presently on the phone with them and was placed on hold for between 10-20 minutes and I just got hung up on after requesting to be transferred to yet another supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account Issue : Incorrect application of early and extra principal payments leading to artificial balance inflation, unearned daily interest accumulation, and subsequent negative credit reporting. The Facts : Lender : Capital One Auto Finance Original Loan Amount : {$20000.00} ( Opened XX/XX/XXXX ) APR : 8.45 % Monthly Payment Amount : {$370.00} ( 0 late payments, 0 past due, 0 extensions ) The Specific Timeline of the Dispute : XX/XX/XXXX : I made my regular XXXX payment of {$370.00} ( {$300.00} to Principal / {$68.00} to Interest ). XX/XX/XXXX : I made an early XXXX payment of {$370.00} ( {$330.00} to Principal / {$43.00} to Interest ) AND a separate extra payment of {$220.00} strictly designated for Principal. Because I paid early, no transaction occurred during the calendar month of XXXX. XX/XX/XXXX : I made my regular XXXX payment of {$370.00}, plus an extra {$25.00} to principal. Capital One allocated my regular payment as a massive {$210.00} to Interest and only {$150.00} to Principal. The System Error : Because I paid my XXXX payment early on XXXX XXXX 56 days passed between my XX/XX/XXXX and XX/XX/XXXX transactions. Capital One 's automated system handled this by " advancing my due date '' and holding my early and extra funds in a credit status rather than instantly reducing my active principal balance on XX/XX/XXXX. Because my active principal was not reduced on XXXX XXXX, 56 days of daily interest accumulated on an artificially high, outdated balance. At my principal size and 8.45 % APR, my true daily interest should be roughly {$3.00} per day. With the principal drop from XX/XX/XXXX, the maximum interest over those 56 days should have been around {$200.00}. Instead, Capital One extracted {$210.00} in interest on XX/XX/XXXX. This tracking error ate up my XXXX payment, causing my online payoff balance to suddenly jump by over {$110.00} between XX/XX/XXXX and XX/XX/XXXX. This balance inflation was reported to the credit bureaus, causing immediate and severe damage to my credit score despite a 100 % perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I am disputing a collection account being reported by Synergetic Communication with an alleged original creditor listed as XXXX XXXX XXXX XXXX. I do not recognize this collector, do not recognize this debt, and have never received any billing statements, collection notices, contracts, treatment records, or validation documents regarding this account. The account is being reported with a balance of approximately {$14000.00} and I have no knowledge of the debt. I am requesting complete validation, including the dates of service, itemized billing, proof of assignment, and documentation establishing that I am legally responsible for this alleged debt. If Synergetic Communication can not provide competent evidence supporting the debt, I request that collection activity cease and that any reporting to consumer reporting agencies be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED { Experian } XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Dispute Center, XXXX XXXXXXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Method of Verification Consumer : XXXX XXXX. XXXX This letter is a formal request for the method of verification used in the reinvestigation of the disputed account ( s ) listed below, as permitted under 15 U.S.C. 611 ( a ) ( 7 ) of the Fair Credit Reporting Act. You recently verified disputed information furnished by - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of that verification. Please provide the following : 1. The name, title, and employer of the individual who conducted the investigation. 2. The date the investigation was performed. 3. A detailed description of the procedure used to verify the information. 4. The specific documents or records relied upon to verify the accuracy of the reported data. 5. The method by which the furnisher certified the information as accurate. A generic statement that the furnisher verified the information does not satisfy the requirements of the Fair Credit Reporting Act. If you are unable to provide this information, the continued reporting of this account may constitute noncompliance with federal law. Please respond within 15 days. Sincerely, XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED { Experian } XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Dispute Center, XXXX XXXXXXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Method of Verification Consumer : XXXX XXXX. XXXX This letter is a formal request for the method of verification used in the reinvestigation of the disputed account ( s ) listed below, as permitted under 15 U.S.C. 611 ( a ) ( 7 ) of the Fair Credit Reporting Act. You recently verified disputed information furnished by - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of that verification. Please provide the following : 1. The name, title, and employer of the individual who conducted the investigation. 2. The date the investigation was performed. 3. A detailed description of the procedure used to verify the information. 4. The specific documents or records relied upon to verify the accuracy of the reported data. 5. The method by which the furnisher certified the information as accurate. A generic statement that the furnisher verified the information does not satisfy the requirements of the Fair Credit Reporting Act. If you are unable to provide this information, the continued reporting of this account may constitute noncompliance with federal law. Please respond within 15 days. Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
Attempting to pay off the lease. I filled out all the paperwork along with payoff check and sent certified to address provided. Waiting for the title. Weeks later, no info or title. I contact them and ask why the delay. They reply that they never received the " Odometer Reading Statement '' ( which is a falsehood because the printout of all documentation is in one file, meaning it was all printed together, not separately. The payoff check and the " odometer reading statement '' was in the same envelope so it's a fib that they received the check, but not the odometer reading statement ). So, I print out the whole document again and remove the " odometer reading statement '' and fill it out again and mail. Weeks later, they close my account marking it paid, and my account shows they were sending me the title on XX/XX/XXXX. A month later, no title. I contact them again to ask why the delay. Again, they lie, saying they still haven't received the odometer reading. They then tell me that if I have the " odometer reading statement '', I could fax it to them. This makes no sense, as all paperwork was digital, but the only way for me to send them the " odometer reading statement " is to fax it?? Frustrated by this obvious attempt to make this process difficult, I told them I would have to find a fax machine. But after reading about this online, and that it is a common issue, I've now reported it to the CFPB. Below are the dates from their website which shows I have paid in full. Date Sent XX/XX/XXXX physical title lease XX/XX/XXXX Payoff Processed XX/XX/XXXX Funds Received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan was sold to Shellpoint Mortgage Services in 2024. I enrolled to pay bi monthly but somewhere along the line they applied one of my payments to additional principal and not to my regular payment. Since they didnt apply it to half my monthly payment, it put be behind in their system. My first bi monthly payment was now recorded as the last bi monthly payment from the previous month. Do they correct this and reimburse the late fees. Oh no, that would require competence and a desire to provide adequate customer service. I now have several late fees due to their incompetence hey will not fix their own error.

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