vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX

Complaint narrative:
I am disputing the HELVEY & ASSOCIATES collection account reported on my credit file. The information furnished is inaccurate, incomplete, and unverifiable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Ava Finance, Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding Ava Finance ( XXXX  XXXX ), whose credit builder product has failed to perform as advertised and may violate federal consumer financial protection laws, including the Fair Credit Reporting Act ( FCRA ), the CARD Act, and potentially the Truth in Lending Act.

I paid {$96.00} for a one-year subscription to XXXX XXXX XXXX XXXX program. Ava prominently advertised that I would receive up to a {$1400.00} credit limit, with the ability to use the card at approved merchants ( including XXXX and XXXX ), more merchants and that it would help me build credit through on-time payments. Despite having a {$0.00} balance and perfect payment history, the card has never worked not even once. Every attempted transaction has been declined, including with merchants Ava promotes on its website. Avas support team has offered inconsistent and vague explanations, later disclosing hidden limits ( e.g., $ XXXXday with only two approved merchants but doesnt tell you whereThese restrictions were not disclosed at the time of purchase, and I was never provided a list of the supposed approved merchants.

Additionally, my Ava account shows a {$0.00} balance, yet XXXX  reports a balance owed ( {$25.00} ). This directly raises concerns of inaccurate or misleading credit reporting, which may be a violation of the FCRA. I have asked Ava for clarification, but they have not corrected this discrepancy.

I am requesting the Bureaus review and investigation into Avas marketing practices, credit reporting activities, and overall compliance with federal consumer finance law. This business is profiting from misleading promises and appears to be undermining rather than supporting consumer credit-building.

I have uploaded evidence including email support logs, screenshots, and Avas contradictory responses for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX, through their collection attorney XXXX XXXX, is attempting to collect a debt that has already been charged off and reported as a loss by the creditor, and they have refused to provide proper validation despite multiple lawful requests. 
On XX/XX/year>, I received a collection letter from XXXX  XXXX claiming that I owed {$4200.00} for a XXXX XXXX  account ending in XXXX. I disputed the debt and requested validation, including proof of ownership, balance calculation, and documentation of charge-off/tax treatment ( e.g., any Form 1099-C ). 
On XX/XX/year>, the attorney sent only a promissory note and a transaction list. This did not include proof that XXXX still owns the debt, nor any breakdown of how the claimed amount was calculated. My credit report clearly shows the account as Charged off / Unpaid balance reported as a loss by credit grantor.

I sent a follow-up written validation request asking for : ( 1 ) documentation of current ownership or assignment, ( 2 ) full balance calculation, and ( 3 ) confirmation of any tax deduction or 1099-C issued in connection with the charge-off. 
On XX/XX/year>, the attorney responded stating my request was duplicative and refused to provide the information. Instead, he asked me to call him to work out a resolution, rather than provide written validation.

Attempting to collect the full charged-off balance without providing proper validation, ownership documentation, or tax treatment confirmation may violate 15 U.S.C. 1692g ( b ) ( failure to validate a disputed debt ) and 15 U.S.C. 1692e ( 2 ) ( A ) ( misrepresenting the character or amount of the debt ).

Additionally, on XX/XX/year>, XXXX XXXX filed a lawsuit regarding this debt, but I have not been served with the summons or complaint. Pursuing litigation without proper validation further raises concerns about deceptive or unfair practices.

I request that the CFPB require XXXX XXXX  to : ( 1 ) provide full validation including ownership documentation, proof of balance calculation, and charge-off/tax documentation ; ( 2 ) suspend all collection and litigation activity until validation is provided ; and ( 3 ) correct or withdraw the lawsuit if the debt is not properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I was told one thing from the dealership but it was somethig different from the bank. I feel like I got lied to. I am on XXXX XXXX for learning and I feel that was tooken advantage of. They knew I could not offered that car. the car was just as much as my XXXX check was. The dealer ship fasted walked me he saw I didn't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Early Warning Services, LLC
State: NY

Complaint narrative:
ConsumerID : XXXX Name : XXXX XXXX Date Of Birth : XX/XX/XXXX ID # : XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Waming Systems consumer report. I have NEVER opened or used the following account numbers : ConsumerID : XXXX Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : " ' ID State : * ' * Email Addresses : XXXX Account Information Bank Name : XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed Previous Account Status : Savings Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX, XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX ID # ID State : * Email Addresses : XXXX Account Information Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Phone : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SSN : XXXX Date of Birth : XX/XX/XXXX ID # XXXX ID Type : STATE ID State : NY Email Addresses : XXXX Account Information Bank Name : XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXXXXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US Email Addresses : XXXX I don't recognize the following accounts or authorized any doings. I'm a victim of identity theft and I don't recognize these aocounts on my report. Im requesting the following information be deleted from my Eary Warnings Consumer report immediately! I've attached a copy of the report so this request. 

Please Contact me at XXXX or XXXX Thank You for taking the time to Review My Complaint Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
I am a victim of identity theft. On XX/XX/year>, I filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX copy attached ).

Two fraudulent credit card accounts were opened in my name without my knowledge or consent and are now reporting on my Equifax credit report as charged-off/derogatory : XXXX  XXXX Account # ending in XXXX XXXX XXXX XXXX  ( full partial : XXXX ) XXXX XXXX ( XXXX / XXXX XXXX ) Account # ending in XXXX XXXX XXXX XXXX  ( full partial : XXXX ) On XX/XX/year>, I mailed certified dispute letters with the FTC Identity Theft Report , a copy of my ID, and a clear demand for immediate blocking and permanent deletion under FCRA 605B ( 15 U.S.C. 1681c-2 ) to Equifax, Experian, and TransUnion.

FCRA 605B requires the credit bureaus to block the reporting of any information I identify as resulting from identity theft within 4 business days after receiving : My identity theft report ( FTC report provided ) Proper identification ( copy of drivers license provided ) CRAs has failed to block and delete these fraudulent accounts within the mandatory 4-business-day period and continues to report them, causing ongoing harm to my credit score and ability to obtain credit.

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 2025-11-23 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: Colony Brands, Inc.
State: OK

Complaint narrative:
I previously disputed the Montgomery Ward ( XXXX ) account as identity theft/inaccurate information. The account was removed from my XXXX  report. However, it was later reinserted without providing me with the required reinsertion notice.

This violates the Fair Credit Reporting Act ( FCRA ), including : 611 ( a ) ( 5 ) ( B ) Reinsertion requirements 605B Identity theft blocking protections No written notice was provided within 5 business days of reinsertion, and I was not given any explanation or documentation supporting reinsertion. I requested investigation documentation and reinsertion notice, but XXXX  did not provide it. 

Reinserting a previously deleted account without proper notice and without investigating new disputes harms my credit, causes scoring drops, and creates confusion for lenders.

I am requesting : 1. Permanent deletion of the XXXX account.

2. A block on any future reinsertion.

3. Written confirmation of correction.

4. Reinsertion documentation and investigation records.

This issue is ongoing and needs immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
I had an account with XXXX in XXXX. I was then XXXX  and fighting a charge and XXXX  continued my service then sold my debt without reaching out or my permission. Which crashed my credit and created debt when if the would have stopped the service and sent notice the latest month and services would have been paid and squared away like all my other obligations were. I had no way of knowing or the ability to stop it and they took advantage of my circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Block, Inc.
State: CA

Complaint narrative:
I believe someone from XXXX company committed fraud. They used my cashapp card unauthorized and deleted my account. I reached out to customer services and told them someone hacked my account. When I attempted to log in it says account not found but charges continued on XX/XX/25. 

While someone was making these transactions I blocked the company and reached out to cashapp where they allowed the person to continue to process payments. 

Cashapp pulled money from my bank account that was linked to cover some of these transactions when they usually decline the transaction. 

They denied my dispute and said I provided my card to someone I knew or used it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: IL

Complaint narrative:
I am filing this complaint because multiple credit bureaus have failed to remove fraudulent accounts from my credit reports despite my submitting a valid FTC Identity Theft Report and formal FCRA disputes. 

The following accounts were opened without my authorization and are the direct result of identity theft : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. 

I submitted disputes to the credit bureaus along with my FTC Identity Theft Report and supporting evidence. However, the bureaus have not complied with their obligations under FCRA 605B and 611, including the requirement to block fraudulent information and properly investigate disputes. These accounts remain on my reports, causing significant harm, inaccurate reporting, and financial damage. 

These entities continue to report fraudulent information even after being notified of the identity theft and receiving documentation. Their failure to block, delete, or properly reinvestigate violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
There was fraudulent unauthorized activity on my chime account around my birthday so ever since around XX/XX/XXXX I've been sending an emails and calls trying to figure out where my money is the company denied my dispute even though I showed that I never confirmed for my number to be changed or that I've never changed my number or made purchases from Missouri somewhere yet they still kept denying my dispute when I finally got a hold of them they did let me know that the number was changed on my account and it was hacked through the virtual credit card but still on over {$1000.00} being missing from my account they never send me the documents that they showed my number being changed and my money being moved but they just denied my dispute repeatedly I know they're not honoring their fried protection promise for their customers because it says if your card was hacked whether it's your physical or virtual card that you're covered and your funds will be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: AZ

Complaint narrative:
In approximately XX/XX/XXXX I purchased several XXXX gift/debit cards from XXXX 's food store. When I opened the packaging for XXXX of the {$100.00} prepaid cards on XX/XX/XXXX, I noticed some of the numbers on the front of the card and also the " security code '' numbers ( on the back ) were scratched off. When calling the phone number for mcgift.giftcardmail.com XXXX, the person said the card was used in XX/XX/XXXX and since it is past 60 days they can't do anything. I EXPLAINED THE CARDS WERE STILL BRAND NEW IN THE ORIGINAL PACKAGING, and were sold to me that way. Within a week the company sent an email for Dispute # XXXX, saying that they were used over 60 days ago, therefore they will not do anything. I went to the XXXX XXXX XXXX where they were sold to me and they said that they can't do anything. Both of these {$100.00} gift cards were damaged/used and in the original " unopened '' packaging when I purchased them and they sat in my safe for almost 2 years before being opened and attempting to use them. Please help with this matter. The card numbers are ( XXXX ) XXXX and ( XXXX ) XXXX. Thank you-XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute a Capital One account that appears on my credit report. This account was opened fraudulently and without my authorization. I did not apply for or consent to this account, and it should not be associated with my credit history.

I request that this account be investigated and removed from my credit file. Please provide written confirmation once the investigation is complete and the account has been deleted.

Enclosed are copies of my credit report with the disputed account highlighted, along with identification documents to assist in verifying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: VA

Complaint narrative:
I was advised by letter from XXXX XXXX  dated XXXX XXXX, XXXX  that they were not agreeable to handling the proposed transaction as submitted by the automobile dealership where I was purchasing a new XXXX XXXX XXXX. Erroneous information from XXXX XXXX XXXX XXXX was cited as one of the reasons ; i.e. ( 1 ) Length of residence too short even though my husband and I have lived at our present residence for 25 years ( 2 ) Distance between address and area code of phone even though our land line and two cell phones share the same area code as our address ( 3 ) Limited history for consumer at this phone even though we have had our land line with the same telephone number for 25 years ( 4 ) Too few active accounts even though we have a mortgage that is 85 % paid off, zero percent auto loan through XXXX XXXX XXXX that was almost paid off and credit cards from XXXX, XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX that we have had for years and which we pay in a timely manner to avoid paying any interest on them. Upon receipt of the above-mentioned letter, I wrote a letter to XXXX XXXX XXXX on XX/XX/year> disputing the erroneous information they had provided to XXXX XXXX  and requesting that they provide immediate evidence that my records have been corrected. To date I have not had a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me.

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
I asked for my boyfriend at the time to be added as a secondary card user not owner but synchrony bank put him as a secondary owner without my knowledge or consent. An without his knowledge or consent. I called in years ago to have them remove him as a secondary owner and they told me that he was but then I just received papers from a collection agency and his name is still on there as a secondary owner. So now his credit score is damaged because he was added unknowingly to my account. I called the credit card company asking for proof of him being an authorized owner an proof of him actually using that account and they could not and would not provide me with this because they dont have it. They refuse to help me a they consistently transfer me to a line that goes straight to voicemail. I am trying to file for bankruptcy and I cant move forward without his name off that account. Plus I cant move forward with bankruptcy with this creditor not on my list.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting an increasing loan balance monthly when the account was paid off in XXXX. I've provided a copy of my payoff notice, but they increased the balance for the Month of 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 2025-11-23 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: TX

Complaint narrative:
XXXX is reporting an increasing loan balance monthly when the account was paid off in XXXX. I've provided a copy of my payoff notice, but they increased the balance for the Month of XXXX.

Company response to consumer: Closed with non-monetary relief