vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
Can you audit this entry? Its late and may include mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$260.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$160.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} BANKRUPTCY Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XXXX at XXXX I asked them to quit contacting me. They have multiple numbers that they use, to contact me. I have had calls from them everyday for XXXX weeks. Even XXXX! They don't leave a message, or anything. 
Examples of phone numbers for Portfoliorecovery are as follows : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$260.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$160.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2800.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} BANKRUPTCY Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/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 2025-11-17 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This complaint is regarding the PRA debt collector account ending in XXXX. Portfolio Recovery Associates ( PRA ) submitted the exact same response to this CFPB complaint that they submitted to my previous complaint, even though : the complaints were different I provided new evidence they contradicted themselves they failed to answer direct questions they did not address the inaccurate reporting across the XXXX bureaus The CFPB closed my case after PRA submitted a copy-and-paste response that did not address any of the specific violations I raised. 

This complaint is not about disputing the debt. 
This complaint is about PRAs misconduct in the CFPB complaint process and their failure to validate the debt or provide accurate information. 

XXXX. PRA ignored all of the new evidence I sent In my most recent complaint, I included : Proof PRA received my dispute letters Screenshots from all XXXX bureaus showing inconsistent reporting PRAs own letter admitting the debt is time-barred PRAs earlier statement claiming no record of disputes NONE of these pieces of evidence were addressed in PRAs response. 

XXXX. PRA submitted an outdated, recycled response Their response was : word-for-word identical to their first complaint reply outdated contained claims disproven by their own documents failed to address inconsistent bureau reporting failed to provide legal validation This is non-responsive, and does not demonstrate a reasonable investigation under FCRA 611 or FDCPA 809 ( b ). 

XXXX. PRA contradicted itself in XXXX different CFPB responses In XXXX CFPB response, PRA wrote : We have no record of receiving a dispute. 

In another response, PRA wrote : We received, investigated, and responded to several disputes. 

Both can not be true. 
This contradiction must be reviewed. 

XXXX. PRA continues to furnish conflicting, incomplete, inaccurate information The information they report to XXXX, XXXX, and XXXX  does not match. 
They claim to verify accuracy, but : different dates appear on each bureau different balances appear different status codes are used Equifax shows re-aging indicators Experian and TransUnion do not match Equifax This is a violation of : FCRA 607 ( b ) FCRA 623 ( a ) FCRA 623 ( b ) XXXX. PRA admitted the debt is time-barred but still reports it as an active collection PRA sent me a letter stating : Because of the age of your debt, we will not sue you for it. 

Yet they still : report it as an active collection continue furnishing a past-due balance continue updating monthly fail to identify it as time-barred on my report This is misleading under Regulation F of the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I redeemed my Chase Ultimate Rewards points through Chase Shop to purchase an XXXX XXXX XXXX XXXX ( Order Number : XXXX ) XX/XX/year>. I have been trying to cancel this order for more than XXXX week, but Chase has provided no working solution and no customer support. 

Here is what happened : XXXX. I called the Chase Shop support line at XXXX many times. The call never connects, or it disconnects automatically. 
XXXX. I went to a local Chase branch XX/XX/year> and the banker called that number too and told me they could not cancel the order and could not help. The only thing I can do is wait. 
XXXX. XXXX week later, I called again and stayed on hold for a long time. The representative said they needed to transfer me, but right after the transfer, the call was disconnected. 
XXXX. After that, the phone number became completely unreachable. I can not reach any Chase Shop support. 
XXXX. There is no working method for me to cancel my order, even though Chase Shop guidelines say to call the phone number. 

Because of this, I am unable to cancel the order or receive my points back, and it has caused significant frustration and wasted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: GA

Complaint narrative:
first point collection agency XXXX  showed up on XXXX  in XX/XX/XXXX concerning a account dated XXXX assigned in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XX/XX/2025, I received a letter notifying me that I owed a debt. As I didnt owe this debt, I mailed a letter shortly after notifying them that I was disputing the debt and included details showing what I received as evidence of the debt being paid. I called XXXX weeks later to see the status and was notified that I needed to send pictures through website. I uploaded and called XXXX weeks later where I found out they didnt receive them. At this point, I told them to notify me if they dont get them again and uploaded the documents. XXXX weeks later, I get notified that my credit was hit so I call them and they tell me that they didnt get them and now the debt would show on my report. Over a month ago I emailed the documentation and have called every week but nothing has been updated on their end. Through all of this, they have never called me, Im the only XXXX calling. They impacted my credit score without reaching out to resolve their questions on what documents they are looking for with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received chase bank promotion on XX/XX/year> that stated if I open chase checking account and made XXXX directly deposit over {$500.00} within 90 days then I can earn {$300.00} bonus. 

Late I ask my employer sent XXXX directly deposit to my chase checking account, first is {$340.00} on XX/XX/year>, the second is {$170.00} on XX/XX/year>. 

Yesterday I received email from chase that reminds me to set up direct deposit by XX/XX/year>, I confused and call chase customer today, during the conversation the chase customer service person told me she does not agree my XXXX direct deposit on XXXX and XX/XX/year>, she treat them as bank transaction. 

I confirmed with my employer after the conversation with chase bank customer service, my employer said they paid my wages through ACH from their bank, so it is directly deposit, Now I really confuse and I think chase bank just makes unreasonable excuse to pay my {$300.00} bonus for open new checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WI

Complaint narrative:
All three debts originally became delinquent around 2020. 
However, Jefferson Capital Systems is reporting them as new debts from 2024, which is a violation of the FCRA ( illegal re-aging ). 
XXXX. When I requested validation, they did not provide proof of ownership or assignment of the debt. 
They only sent me old invoices from the original phone company, which does not prove they have the legal right to collect. 
XXXX. Only one XXXX debt for {$110.00} was removed after dispute. 
However, they are refusing to remove the XXXX larger accounts, even though : They provided no proof they own or were assigned these debts. 
They provided no contract, no chain of title, no itemized accounting, and no documentation showing the debt is valid or within statute. 
They changed the dates to make the debts appear newer than they are. 
XXXX. The re-aging has lowered my XXXX score and is preventing me from securing housing and reliable transportation. 
This has caused financial harm, and the company is acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : CITIZENS PAY XXXX XXXX - XXXX Whom It XXXX Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : XXXX. Date the account was opened XXXX. Date the account was closed ( if applicable ) XXXX. Date the account was sold or transferred ( if applicable ) XXXX. Date the account was charged-off ( if applicable ) XXXX. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently looked at my credit report from TransUnion and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within XXXX business days of receipt. 

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

List Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

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