vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
am disputing a collection account being reported by Portfolio Recovery on my XXXX  credit report. I do not recognize this account, I do not know who the original creditor is, and I have never entered into any contractual agreement with Portfolio Recovery or any company they claim to represent. 

Portfolio Recovery is a third-party debt buyer. They have failed to provide competent evidence of their legal authority to collect or furnish this account, including proof of assignment, ownership, or any signed agreement bearing my consent. Without mutual assent, they lack standing to report this account. 

This account was previously disputed and marked as dispute resolved subscriber disagrees. Despite notice, Portfolio Recovery has continued furnishing this information without conducting a reasonable investigation or providing validation. Continued reporting after notice constitutes a failure to conduct a reasonable investigation under the Fair Credit Reporting Act. 

This inaccurate reporting has caused financial harm and negatively impacted my ability to secure stable housing and financial opportunities. I am formally requesting that this account be removed from my XXXX credit report immediately due to lack of authorization, failure to validate, and continued reporting after dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Receivables, Inc.
State: SC

Complaint narrative:
COLLECTION RECEIVABLES is falsely reporting on my credit. I have never had any accounts with them. Per my research COLLECTION RECEIVABLES is 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 explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: UT

Complaint narrative:
Starting in XX/XX/XXXX payments made to loan XXXX XXXX XXXX were not being reflected on loan managed through Mohela. This ver the past four months I have been in contact with the company. The following are all payments amount made to said loan with none of them reflecting. The account is showing over 150 days past due and it has hit my credit. Every time I have talked to a supervisor they tell me it will take ten business days and nothing is done. 
XX/XX/XXXX ( {$48.00} ) XX/XX/XXXX ( {$96.00} ) XX/XX/XXXX ( {$140.00} ) XX/XX/XXXX ( {$140.00} ) XX/XX/XXXX ( {$140.00} ) XX/XX/XXXX ( {$190.00} ) XX/XX/XXXX ( {$280.00} ) XX/XX/XXXX ( {$330.00} ) the total amount paid is {$1000.00} that has not been reflected and still showing delinquent. Any and all attempts made with Mohela have not been successful to resolve this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Violations : 15 U.S.C. 1681s-2 ( b ) | 1681c ( a ) ( 4 ) Unverified and potentially re-aged collection data.

UCC 9-210 ( b ) Right to accounting and assignment proof.

Reasoning : LVNV is a debt buyer reporting balances without assignment documentation or validation of ownership.

Dispute Letter I dispute LVNV Funding accounts # XXXX and # XXXX. Please provide proof of ownership, contract assignment, and validation of debt under UCC 9-210 ( b ). If verification is not provided within 30 days, delete these tradelines pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: CA

Complaint narrative:
I am disputing the following charged-off account with EQUIFAX. The account was reported inaccurately, and I am requesting that it be corrected or removed as appropriate : Charged Off : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NV

Complaint narrative:
I deposited a check via mobile deposit with U.S. Bank, and the funds were placed on hold until XX/XX/XXXX. 
I currently have no available funds and have been unable to pay for basic living expenses for XXXX days. 
I contacted U.S. Bank multiple times, including speaking with a supervisor, but was given inconsistent explanations and no assistance. 
The bank has refused to release any portion of the funds, and has not provided a clear, specific reason for the extended hold. 

It has been XXXX days since I deposited a check via XXXX XXXX with U.S. Bank, and I have not been able to access any funds. 
This is a check I received legally from my employer. 
At other banks, mobile deposits have typically been available within XXXX days, but U.S. Bank has still not made any funds available as promised. 
Additionally, XX/XX/XXXX is a bank holiday, which means I will be unable to access my money for XXXX full weeks, leaving me unable to cover basic living expenses during that time.

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 2026-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We were on a cruise in XXXX to XXXX XXXX and tried to buy a {$40.00} dollar ring. the card was declined twice so we ended the transaction without the merchandise. About XXXX minutes later we checked out online account and saw a charge for {$2300.00}. We immediately called bank XXXX and the instructed to keep using the credit card and inform the bank when we returned to Texas of the fraudulent charge. We notified the bank upon our return from our trip and the credit card was cancelled and a new one issued. They cancelled our credit card and issued a refund. After a few days the charge was put back on our account. XXXX said we had used a debit card and a pin was used. We did not use a debit card or a pin. We used a credit card only. Because it was declined at the time we never received any merchandise from this merchant. We have since paid the charge of {$2300.00} because we did not want an interest charge to accrue. Bank XXXX has only given us the run around and trying to call their XXXX number has only ended in different details from each operator. Bank XXXX requested a letter explaining what happened even though we repeatedly gave them the same information so it was sent from my branch location. We have followed Bank XXXX 's instructions each time and get absolutely no results.

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 2026-02-09 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian , XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-02-09 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: CA

Complaint narrative:
I am formally disputing multiple inaccuracies on my Equifax credit report. The following accounts are reported incorrectly : Charged-Off Accounts in Dispute XXXX XXXX XXXX  Account XXXX XXXX Reported XX/XX/XXXX Balance {$0.00} XXXX XXXX  Account # XXXX Reported XX/XX/XXXX Balance {$2000.00} XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX Reported XX/XX/XXXX XXXX {$6000.00} XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$2500.00} XXXX  XXXX Account # XXXX Reported XX/XX/XXXX Balance {$7600.00} XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance {$69000.00} Late Payment Accounts in Dispute : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATIONXXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I never received my business credit card. The mobile app it shows XX/XX/XXXX it would be delivered. Today is XX/XX/XXXX. I still have no card in my possession. I proceed to make an outbound call to Citibank XXXX credit card department to inquire the status of my business credit card and she request a replacement because I should have received it last week. XX/XX/XXXX XXXX ( XXXX mins post when the call transferred ) Citibank XXXX department XXXX minute dialogue. 
XXXX unable to verify me XXXX unable to verify me and didnt repeat my phone number to ensure they entered the correct information. failed to verify my phone number that exists on my account and didnt want to provide additional verification options. 

XXXX rude disrespectful discriminatory arrogant condensing dismissive cutting off multiple times refused to provide alternative options as a verified member since XXXX and didnt care to resolve the matter. Now I have to wait XXXX  days to receive a letter to just to complain that I never received my business card to begin with!

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 2026-02-09 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: GA

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit report. Please investigate and correct the following items : 1. Charged-Off Accounts The following accounts are inaccurately reported as charged off. Please provide validation of these debts and supporting documentation, or remove them from my credit report : XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance {$970.00} XXXX  XXXX XXXX, Account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$2400.00} XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$1100.00} XXXX XXXXXXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$1800.00} XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance {$3200.00} XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance {$0.00} XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$2200.00} 2. Inquiries The following inquiries are unauthorized and should be removed : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. Late Payments XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX I request that you validate these items or remove them from my credit report as required under the Fair Credit Reporting Act ( FCRA ).

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 2026-02-09 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Dear Innovis Consumer Assistance,, XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated.

Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. 
Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XX/XX/year> - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report In violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

FCRA 605B ( 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: LA

Complaint narrative:
I reached out to Equifax , TransUnion and Experian to dispute hard inquiries.

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 2026-02-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I reached out to Equifax , TransUnion and Experian to dispute hard inquiries.

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 2026-02-09 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: ND

Complaint narrative:
In XX/XX/XXXX, I applied for forbearance by phone with Nelnet for my federal student loans and was told I was approved for a one-year forbearance. The representative said any emails or statements I received were standard and should not be a concern, and I understood I only needed to reapply online before next year, XX/XX/XXXX, to renew the forbearance. At the time and now, I was focused on securing a place to live and ensuring my children 's safety and well-being, which limited my ability to monitor routine emails from Nelnet. I reasonably relied on the representative 's assurance that no immediate action was needed. 
Nelnet later reported my accounts as delinquent, including loans from XXXX New Hampshire University and University XXXX Maryland XXXX XXXX, even though the forbearance was approved. I disputed this with Nelnet and requested correction of my account and that the credit bureaus be updated, but Nelnet refused to correct the errors. 
As a result, my XXXX XXXX dropped from nearly XXXX to XXXX, making it extremely difficult to secure housing for my children and me. I had also been approved for an income-driven repayment plan, effective through XX/XX/XXXX, showing I am managing my loans responsibly. 
XXXX requested : Apply retroactive administrative forbearance for the disputed period, delete all delinquency and late payment reporting, and provide written confirmation that my accounts are accurate and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/year> To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Bank of Americas refusal to open a basic, non-credit checking account, and the manner in which I was treated as a XXXX consumer. 

On XX/XX/year>, I visited the Bank of America XXXX XXXX Main Office located at XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX ( phone : XXXX ), to open a plain checking account for direct deposit of my XXXX  XXXX  XXXX XXXX ( XXXX  ) benefits. I explicitly declined all credit products, overdraft services, and any form of lending. I requested only a standard deposit account. 

I informed the bank representative that my consumer credit reports are frozen. I also stated that I do not freeze XXXX  or similar deposit-account screening systems, and that no credit inquiry should be necessary because I was not requesting credit. 

Despite this, the bank refused to open the account unless I unfroze my XXXX  credit report. I explained that unfreezing a credit report is a complex and difficult process for me because I am XXXX  XXXX and rely on accessibility XXXX. No reasonable accommodation was offered. Instead, I was treated rudely and dismissed from the branch. 

The refusal appeared to be based solely on the existence of a frozen credit report, despite my request being limited to a non-credit deposit account. I believe this constitutes an unfair and unreasonable barrier to access to basic banking services, particularly given my XXXX and the availability of non-credit identity verification systems. 

The Bank of America associate involved was identified as XXXX XXXX. 

I am requesting that the CFPB review Bank of Americas policies and practices regarding the opening of non-credit checking accounts, the necessity of credit report inquiries in such cases, and their compliance with obligations toward XXXX consumers. 

Thank you for your attention to this matter. 

Sincerely, 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