vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Re : CFPB Complaint XXXX Portfolio Recovery Associates response does not resolve my dispute.

PRA is claiming that because I previously disputed through a consumer reporting agency, they are not required to provide validation. This is incorrect and misleading.

Under FDCPA 809 ( b ) and FCRA 611 ( a ), once a consumer disputes a debt, the collector must obtain and provide full validation prior to any continued collection or credit reporting activity. PRA has continued to furnish account data while admitting they have not validated the debt.

To date, PRA has not provided : 1. A copy of the original signed agreement bearing my signature 2. A complete Bill of Sale and Chain of Title specifically referencing my alleged account 3. A full accounting / itemized statement history 4. Proof that PRA has legal standing to collect or report this account A generic electronic data file is not validation.

Continuing to collect or report while ignoring a dispute is a violation of : FDCPA 809 ( b ) FCRA 623 ( a ) ( 3 ) ( duty to investigate disputed information ) FCRA 611 ( a ) ( duty to reinvestigate accuracy ) PRA has already been investigated and punished for this same misconduct : CFPB Consent Order XX/XX/XXXX ( File No. XXXX ) : CFPB found that PRA collected debts without substantiating documentation and misrepresented the level of review performed. PRA was ordered to stop collecting debts that were not validated and pay {$8.00} XXXX in penalties. 

CFPB XXXX XXXX XX/XX/XXXX : CFPB determined that PRA continued the same unlawful practices even after the XXXX order, including attempting to collect debts without proper validation. XXXX was ordered to pay {$24.00} XXXX in refunds and penalties and again instructed to cease collecting unverified debts.

Port. Recovery Assocs., LLC v. King, 2017 N.Y. Court of Appeals : The court ruled that PRA could not enforce or pursue a debt when it can not produce the original account-level documentation proving ownership and liability. 

These are the exact violations occurring in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Each time I try to pay my mortgage which is always on time each month, they begin by not wanting to take my payment, accuse me of missing payments even though I have paid each month, even mailed them my bank statements which document I have paid each month and now they stated they can not take a payment since I am in foreclosure which is untrue. I condenser this harassment and elderly XXXX  and should be treated in a respectful manner with accurate information. I have tried to pay on line but there is always an issue and I have been unsuccessful. Please help rectify this manner of harassment. Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX & XXXX {$1000.00} collectively was transferred via XXXX from my Chime checking account to another account without my authorization. I contacted Chime on XXXX to report this unauthorized transfer and requested a reversal. Chime has not corrected or reversed the transaction and has not provided written confirmation of resolution. I am XXXX and rely on these funds for urgent living expenses. I request immediate reversal and confirmation in writing that this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am disputing the following inquiry and late payment entries on my Equifax credit report. I respectfully request that these items be verified, and if they can not be verified, they should be removed as inaccurate or incomplete. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LATE PAYMENT : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly.

However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-11-06 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: CA

Complaint narrative:
I am also disputing the following charged-off and late payment accounts reported by TransUnion. 
Several items appear to be duplications or are not accurately reflecting the status of the accounts. 
I request a full reinvestigation under FCRA 611 and that TransUnion delete or update any items that can not be fully verified. 

Charged-Off Accounts in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXXXXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX Accounts in Dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please verify the accuracy of the late payment reporting and remove any unverifiable negative marks.

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 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony bank care credit account. I made one payment late in 3 years and now they want XXXX in late fees and refuse to take off the late fees.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was asked to step into a meeting room because i was being investigated. After this meeting I was placed on Admin leave. On XX/XX/XXXX i got a call to inform me that i was terminated. Not only did i bank with this bank but also an employee. My funds from payroll is currently in an account that is not accessible for 60 days until after the account is closed. It is XX/XX/XXXX today the account is still not closed. I am a single mom and those funds i need to survive. I have emailed USAA human resources multiple times with no response. This company has violated multiple regulations. I am demanding a live check to be sent to me immediately as not only was i a member but also an employee which violates all core values.

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 2025-11-06 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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-06 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: IN

Complaint narrative:
I am disputing the following charged-off accounts that appear on my TransUnion credit report. I respectfully request that these accounts be investigated for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified or validated, I request that these accounts be removed. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-06 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: TX

Complaint narrative:
I am disputing several unauthorized accounts and inquiries that have been reported on my credit profile. I did not apply for, open, or authorize these accounts and inquiries. Nor did I give anyone permission to use my personal information for this purpose. These accounts and inquiries are the result of identity theft.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Equifax P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Removal of Inaccurate Personal Information Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Dear Equifax, I am writing to dispute inaccurate personal identifying information appearing on my credit report. Upon review, I found incorrect listings related to my name, employer, and address history. These entries are inaccurate and must be corrected or deleted immediately. 

Inaccurate Information : - Incorrect Name : XXXX XXXX XXXX - Incorrect Employer ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect/Old Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Correct Information : - Correct Full Legal Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX are copies of documents verifying my identity and address : - Copy of government-issued ID - Proof of current address ( e.g., recent utility bill, bank statement ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate and delete or correct these inaccuracies within 30 days, as required by law. Please send me written confirmation when the corrections have been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : - Copy of ID - Proof of Current Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA 605B ) and the Fair and Accurate Credit Transactions Act ( FACTA 112 ). 

XXXX items on my TransUnion credit report are fraudulent and were not authorized by me : XXXX XXXX  account ( reported as derogatory and late, opened XX/XX/year>, closed XX/XX/year> ). 

TAB/Mission hard inquiry ( dated XX/XX/year> ). 

I have filed official FTC Identity Theft Reports ( attached ) and contacted TransUnion directly to have these items blocked and deleted. Despite this, they remain on my credit report, continuing to harm my score and misrepresent my credit history. 

Under federal law, TransUnion must block and delete any items identified in an FTC identity theft report within XXXX business days. These accounts and inquiries were reported without my knowledge or consent and meet the definition of identity theft as defined in 15 U.S.C. 1681c-2.

I am requesting CFPB intervention to ensure TransUnion deletes these fraudulent items immediately and provides written confirmation of removal.

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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the XXXX to the XXXX I was in two different accidents my birthday was in 1972 or still a minor XXXX account had XXXX Plus in it another had XXXX plus and at dollars American and there was a situation where I said can I please can I leave it there and will it be touched or anything like that if they said no I'll be a secured account it's better this way well now 30 years later it's not there and I'm wondering where it all went they said that it must have went to the state because there's no activity on account I said that's not how Banks work you put money into a savings account you save it you don't sit there and use the account and they said well then how do you get interested how do you do things I mean it's not like in XXXX XXXX XXXX XXXX XXXX or anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> there was XXXX transactions made to carnival cruise line. XXXX in the amount of {$1000.00} and another in the amount of {$1400.00} from my checking account with capital one bank. On XX/XX/XXXX XXXX made the decision to cancel my travel only to state I can no longer travel with them and needed to reach their legal department for an explanation. I then asked for a full refund which I was told would be given. On XX/XX/year> I saw a refund for {$950.00}. I called carnival and they told me it was for the {$1000.00} transaction but they didnt see where I had made a transaction for {$1400.00}. Essentially it came down to them telling me I needed to speak with my bank to regarding the transaction. I then called my bank and disputed. 

On XX/XX/year> I was given a provisional credit. However capital sent a letting on XX/XX/XXXX stating that the refund for {$950.00} was for the {$1400.00} transaction and had nothing to do with the {$1000.00} even tho the merchant told me different. The reverse the credit and did a charge back. 

So I was then forced to dispute the {$1000.00} transactions since it was not credited back to my account as stated by the merchant. 
Capital one gave me a provisional credit for the {$1000.00} however on XX/XX/year> they stated that the {$950.00} was for the {$1000.00} after they confirmed with the merchant. I then began to asked how can XXXX seperate transaction be attached and linked to XXXX credit if the merchant was the XXXX who cancelled and refunded. Capital one refused to look at both disputes and only answered them individually giving me the same response that the XXXX refund was for both transactions. No one is looking at the fact there was XXXX seperate transactions. This has now cause my account to be negative and caused great financial hardship. All because the bank made an error. Even after explaining to them they refused to acknowledge that I only received XXXX credit and only respond to the disputes separately with the reason merchant refunded. Please help Dispute : XXXX for the {$1000.00} Dispute : XXXX for the {$1400.00} Only one refunded received. Bank confused and keep saying the XXXX refund is for each transaction. Its not possible. It was XXXX transactions therefore XXXX refunds should have been credited

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 2025-11-06 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:
Go through the enclosed materials these inquiries were made without prior acknowledgment and could be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
Review the materials included ; these inquiries were made without permission and may not be accurate.

Company response to consumer: Closed with explanation