vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
RE : Formal Response to XXXX Letter Regarding Alleged Account Ending in XXXX Dear Portfolio Recovery Associates, I am in receipt of your recent correspondence regarding the alleged XXXX XXXX  account ending in XXXX. While I appreciate your acknowledgment of my dispute, I must reiterate that I do not acknowledge or accept any liability for this alleged debt. Your letter fails to provide sufficient evidence verifying that I am legally responsible for this account, or that Portfolio Recovery Associates has the right to collect and report it. 

To ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), please provide the following documentation for proper validation : A copy of the original signed credit agreement or contract bearing my signature. 

A full payment history and itemization of the alleged balance of {$510.00}, including all fees, interest, and charges. 

Documentation from XXXX XXXX, XXXX. verifying the alleged transfer or sale of this specific account to Portfolio Recovery Associates, including the chain of title. 

Proof that Portfolio Recovery Associates is licensed and authorized to collect debts in my state. 

Until this information is furnished, this alleged debt remains unverified and must not be reported to any credit bureau as a valid debt. Continuing to report unverifiable or inaccurate information constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ) and the FDCPA ( 15 U.S.C. 1692e ).

If you are unable to provide proper validation, I request that : All collection efforts cease immediately, and Portfolio Recovery Associates delete any tradeline related to this account from XXXX XXXX and XXXX 

Please respond within 30 days from receipt of this letter. Failure to comply will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I recently applied for a Capital One credit card online on XX/XX/XXXX. When I first tried submitting the application, the page froze and didnt confirm whether it went through. Thinking it was just a glitch, I waited a few minutes and submitted again both within about five minutes of each other. Later, I found out that both attempts triggered separate hard credit inquiries on my credit report, even though it was clearly just one application that resulted in a single approval. I have received my card which I want to keep.

This duplicate inquiry has now lowered my credit score and does not reflect my actual credit behavior. I never intended to apply twice, nor did Capital One have a separate permissible reason to run my credit again under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The second inquiry was created entirely because of a technical issue with their online system.

Ive already tried resolving this with Capital One through the XXXX XXXX XXXX, but I never received any meaningful response or correction. The extra inquiry is still showing on my reports with all three credit bureaus. Im now filing this complaint with the CFPB because its unfair that a system malfunction has hurt my credit profile and theres been no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. 


Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  CFPB via fax XXXX XXXX XXXX XXXXXXXX

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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
I am filing this formal complaint against Williams Rush & Assoc for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Williams Rush & Associates has falsely reported a collection account on my consumer credit report that is being incorrectly attributed to me. I have no contractual or financial relationship with this company, nor have they provided any verifiable documentation to substantiate their claimsuch as a signed contract, account statements, or any proof of debt ownership. 
Despite my previous written requests for validation and my cease-and-desist notice, the company has : Failed to conduct a proper investigation as required under 15 U.S.C. 1681i ( a ) of the FCRA.

Continued to update and report false information on my credit file after being notified of the dispute.

Ignored my written cease-and-desist request, thereby violating 15 U.S.C. 1692c ( c ) of the FDCPA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: DISCOVER BANK
State: MD

Complaint narrative:
I was in a bar in XXXX and Iost my credit card at that bar and it was used two times. 

Once I returned to the U.S I called discover to report both transactions. 

I couldnt report it right away because i didnt have phone service abroad. 

I Got a letter from discover saying that im responsable for those spendings cause they didnt see any fraud on those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX Inquired on XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX  Inquired XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on 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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MS

Complaint narrative:
I blocked XXXX in XX/XX/year> when they took money out of my account. I got my money back but chime unblocked them and they stole XXXX out of my account again and chime refused to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Comerica
State: MA

Complaint narrative:
b"XXXX XXXX  I woke up checked my balance on my XXXX XXXX XXXX it said I was short $XXXX  I jumped up ran to the ATM in took the remaining XXXX in something off I logged in my XXXX  XXXX XXXX and it says XXXX XXXX made 3 different transactions 2 for $XXXX  and 1 for $XXXX  i called XXXX XXXX and canceled the card the next day I went to the XXXX  location I last used my card at which was XXXX XXXX XXXX XXXX  in both employees were acting strange so I called the police not one but 3 times waiting for them to come because I was not just gonna allow anyone to take my money in get away with it I called XXXX in explained what happened they apologized in I was told I would get my money back and they also told me they found out my debit card was used to pay 3 different people's phone bills but for security reasons she couldn't provide them to me it's absolutely unprofessional for a big company name to pull off a stunt in get away with it I don't understand why they keep denying me my money idk if you have access to my records from XXXX  XXXX but it clearly shows the 3 different unauthorized transactions on my summary report I did not authorize those transactions I was a loyal customer for over 5 years this is the card number and im also attaching receipts proof of the transactions in my XXXX  call im not understanding why im getting denied the card number that was used is XXXX XXXX XXXX  it's clearly there that was my rent im a single mom with a XXXX XXXX XXXX XXXX XXXX  I don't have $XXXX  to just give away please who ever reads this I did not authorize those transactions I've been crying and begging for help no one's listening please help me"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express XXXX XXXX  card that costs {$800.00} per year. The card comes with benefits. XXXX of them is guaranteed upgrade on rental cars for certain vehicle class reservations when I am enrolled in the XXXX XXXX XXXX XXXX XXXX which I am. This is advertised in the American Express Website ( see attachment ). I rented a car and instead of a guaraneted upgrade I received a down grade. Despite many letters and calls to XXXX they do not respond. When I complain to American Express they claim they are not responsible even though the word guaranteed is on their website. This is a deceptive business practice. 

When I requested American Express to allow me to file a dispute with the merchant, XXXX for the XXXX, they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-02 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: Affirm Holdings, Inc
State: CO

Complaint narrative:
Affirm card account was suspended due to fraud with a purchase made on XX/XX/year> for XXXX XXXX and my account hasnt been unsuspended since

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased a service ( XXXX XXXX  annual plus membership at {$60.00} ) from a seller ( XXXX ) using PayPal as payment. The seller gave an invalid link for redemption of the service, and the service was not successfully redeemed using the sellers discount link. I filed a claim with PayPal but the case was closed on the sellers favor without legitimate reasons from PayPal. The seller claimed the redeem button on their website was clicked. However I would like to clarify that the redemption was not successful even after the link was clicked. So I called my bank to stop the payment to PayPal and the seller. However PayPal then used my account balance to pay the seller without my consent, nor provided any legitimate reason to deduct my money when the service the seller claimed was never redeemed successfully. Im attaching all the screenshots from XXXX XXXX showing my service was never provided and how PayPal stole my account balance to pay the seller without any notificaitons. Id like my money of {$60.00} back to my account balance from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I had several fraudulent charges hit my account in the early morning of XX/XX/year>. Chime Bank refunded two of the charges that i disputed but did not refund six, {$20.00} charges, for a total of {$120.00}, I received from XXXX XXXX which were clearly fraudulent. They investigated the claim quickly and denied my dispute. I called them and they said they would send their investigation findings. I explained it doesnt matter what their findings are, my card number was stolen. Why would a person buy six subscriptions of the same thing?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Midland Credit Management is attempting to sue me for a debt that I did not incur through their services. I do not owe the amount they are claiming, they have failed to provide written verification of the debt, and they lack the authority to report this information to my credit report or to pursue collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: Paypal Holdings, Inc
State: CO

Complaint narrative:
To : XXXX  Support / Fraud Department Subject : Urgent Fraud Complaint and Request for Account Removal From : Name : XXXX XXXX XXXX of Birth : XXXX Last Four of SSN : XXXX Phone Number : XXXX Date : [ Insert Todays Date ] Dear XXXX  Fraud Department, I am writing to report that my personal information including my name, date of birth, and Social Security number ( last four digits XXXX ) was used without my authorization to fraudulently create a Venmo account. 

This occurred after my phone number, XXXX, was SIM-swapped by an unknown criminal who then gained access to my information and created or took over a Venmo account in my name. That fraudulent account was used to sell tickets to a game that I have never sold or been involved with, which resulted in a negative balance associated with my information. 

I had no involvement in any of these transactions, and I am a victim of identity theft. I am requesting that Venmo : 1. Immediately remove and permanently close the fraudulent account associated with my name, SSN, or date of birth.

2. Disassociate my personal information ( name, SSN, DOB, and phone number ) from any existing fraudulent profiles or records.

3. Confirm in writing that the fraudulent activity and negative balance will not affect my ability to open a legitimate Venmo account in the future. 

Please investigate this matter as soon as possible. I am happy to provide additional documentation, such as a police report or proof of identity, if needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They sent me a letter from the credit card company. stating they sold the debt to XXXX XXXX XXXX. on XXXX Send me a XXXX of a bill from the same bank, year XXXX, with a XXXX XXXX, but they want to charge me XXXX. I asked them to validate a detailed payment history, and this is what I received.

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 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
To Whom It May Concern : I am writing to dispute inaccurate information appearing on my credit report under the account listed above. This account is being reported as a charged-off despite being paid, and the reporting contains errors that violate the Fair Credit Reporting Act ( FCRA ).

After reviewing my credit file, I identified the following inaccuracies : The account is listed as charged off but also marked paid, which is an inconsistent status.

The payment history, balance, and/or status dates are being reported inaccurately.

The reporting does not reflect complete, timely, or verifiable information as required under 15 U.S.C. 1681e ( b ) and 1681i.

Because the information is incomplete, inconsistent, and unverifiable, I request that you conduct an investigation and delete this account from my credit file if the furnisher can not verify the accuracy of all reported information. 

Please provide me with the results of your investigation, including any documentation used to verify this account. If the creditor can not provide proper verification, the account must be deleted according to FCRA requirements. 

Thank you for your prompt attention. 
I expect your response within the 30-day investigation period. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America has record of negatively opened checking account in my name and has refused me access to even review the fraudulent account and wont let me open an account under my name XXXX XXXX XXXX XX/XX/year> and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because someone already opened XXXX fraudulently without my permission

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