vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a hard inquiry from XXXX and this is inaccurate as my account was frozen XX/XX/year> and did not apply for 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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I would like this to be removed from my credit report

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XXXX XX/XX/year>, I asked XXXX XXXX, ( the call was from oversea a false name may have been given ) to cancel some auto transfers. The person on the line could not pull up information on my account. There is no website prompt ( like canceling bill pay, in Bill pay ) for these transfers. 
I did a second complaint because of potential cyber theft of monetary VA benefit and to inform you. 

This is the initial : COMPLAINT ID ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend Promotional Bonus and Undisclosed Fees I am filing a complaint regarding misleading advertising and unfair practices by Netspend. 

When I opened my Netspend account, the company advertised a {$200.00} bonus for new customers who : Activate the card Enroll in Direct Deposit and receive direct deposits totaling {$400.00} or more within 60 days I fulfilled these requirements. In fact, within the first week after opening the account, I received direct deposits exceeding {$400.00}. Despite this, I never received the {$200.00} bonus. 

When I contacted Netspend customer service by phone to inquire about the bonus, the representative told me that this promotion never existed, which directly contradicts the offer I signed up for. 

In addition, I have now been charged a Monthly Fee that was never disclosed at the time of account opening or in the promotional materials. 

I believe this is misleading advertising and an unfair business practice.

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I have paid this account in full and it is still reporting to my credit report, negativly impacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, XXXX XXXX Portfolio Recovery Associates , LLC Re : Cease Reporting & Delete Inaccurate Account XXXX XXXX XXXX XXXX Assignee Court Case No : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing regarding the above-referenced account that you are reporting on my credit file. This account was the subject of a lawsuit you filed in the XXXX XXXX XXXX XXXX ( Case No. XXXX ) against me. On XX/XX/year>, the case was dismissed by the Court. Enclosed are copies of the court documents, including the Order of Dismissal. 

Since the claim was dismissed, you no longer have a valid or enforceable legal basis to report this debt. Your continued reporting of this account as valid or collectible is false, misleading, and deceptive in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits debt collectors from using any false representation or deceptive means to collect or attempt to collect any debt. 
Additionally, continued reporting of this account after a court dismissal constitutes furnishing inaccurate information to consumer reporting agencies in violation of 15 U.S.C. 1681s-2 of the FCRA.

DEMAND FOR RESOLUTION : Immediately delete and cease reporting this account from all consumer reporting agencies ( XXXX, XXXX, XXXX, XXXX, etc. ). 
Provide written confirmation that you have instructed all credit reporting agencies to delete this tradeline. 

Cease all collection activity regarding this dismissed claim. 
Failure to comply will leave me no choice but to pursue all available remedies under the FDCPA and FCRA, including statutory damages, actual damages, and attorneys fees. 
Please treat this letter as a formal notice of dispute and demand for deletion under both the FDCPA and FCRA. 

Sincerely, XXXX XXXX XXXX Enclosures : XXXX XXXX XXXX Notice to Appear ( Case No. XXXX ) XXXX XXXX XXXX Final Dismissal Order

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I called Bank of America XX/XX/XXXX around XXXX ET upon seeing an unauthorized charge by a company named XXXX XXXX XXXX XXXX XXXXharged my card for {$230.00}. I never ever authorized this payment.

When I called Bank of America I made it clear that I never authorized this charge and that it was a Fraudulent charge. The Bank of America representative actually tried to entrapment me into saying that I did allow the charge because back in XXXX I made a 1 time purchase of a product. I told the bank representative that I made a 1 time purchase of a headset ; but never bought anything else and they had zero rights to charge my card yesterday XX/XX/year>. 

The bank representative then canceled my card ; but she never gave me a provisional credit of the stolen funds from my account nor made sure that I had a method to pay my bills nor access my checking. 

This was a fraud committed by XXXXXXXX XXXX against me, I am supposed to receive a provisional credit and got nothing and I can not access my checking or have anyway to pay for my pet 's vet bill now. 

I need Bank of America to do their legal obligations in helping me as their customer.

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 monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Subject : Portfolio Recovery Associates FDCPA & FCRA Violations Failure to Validate and Harassing Phone Calls Complaint : I am filing this complaint against Portfolio Recovery Associates ( PRA ) for illegally reporting a collection account and engaging in harassing conduct. 
In early XXXX, I sent Portfolio Recovery Associates a written debt validation request asking for : A copy of the original agreement bearing my signature ; Evidence that the alleged debt was for personal, family, or household purposes ; Their internal procedures verifying FCRA compliance ; The purchasing agreement between PRA and the original creditor.

Portfolio Recovery Associates never responded with any validation documents. Instead, they repeatedly called me by phone, which I did not answer. These calls were made after my written request and instead of providing the required validation.

This conduct violates multiple provisions of federal law : 12 CFR 1006.34 ( b ) ( 5 ) and 15 U.S.C. 1692g failure to provide proper validation of the debt.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) failure to give me the chance to dispute before furnishing.

15 U.S.C. 1692d harassment and abuse through repeated phone calls.

12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) unlawful furnishing of data to consumer reporting agencies without required disclosures.

15 U.S.C. 1692e using false, deceptive, and misleading means to collect a debt.

I dispute owing any debt to Portfolio Recovery Associates. I revoke any and all rights for Portfolio Recovery Associates to communicate with me by phone, text, or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX up is doing everything in their power to have people not just me loose there homes. My church was gratuitous enough to send them a check for XXXX towards my past due balance of XXXX. Not only did they send back my regular monthly mortgage payment but they also sent back the check to the church, so not only I am I behind by XXXX now I am behind by an additional XXXX. These people dont want me to pay anything and do what ever it takes to XXXX  my family as in make us homeless and XXXX! They dont care, they dont want to the money. Its a slap in my face! 
As of today I am filing for bankruptcy and again will give the information of my lawyer. As he told me these practices that XXXX up is doing is illegal. By law they need to accept all Money given toward the mortgage and by law can not be giving it back. Hes a top rated mortgage and bankruptcy lawyer! 
XXXX make sure I let all social media know what Wells Fargo is doing and make sure no one does business with them again! CFPB needs to start stepping in! 
I have had 4 lawyers and they have not reached out to either of them! I have a restraining order on several of there so called workers for there threats and telling me they want my family to die. These people still contact me. I have state and federal people looking into this bank! You XXXX with the wrong person! 
You wouldnt allow me to pay back in my time line, then now you have no other choice cause filing for bankruptcy not only stops everything lol but now I will have 60 months/5 years to pay it all back! In your face!

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 2025-08-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unfortunately, my experience reflects these very issues. I previously disputed the following item ( s ), which were either never properly corrected or have since reappeared on my report without proper notification or justification.

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 2025-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: CO

Complaint narrative:
Company will not stop contacting me with threats to collect. When I call them, they can not find any debts related to me so it seems like a scam. I have already paid my dentist full amount and dont know why this collections company continues to bother me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am not liable for this debt with RESURGENT/LVNV FUNDING They did not provide me with the original contract as requested. I have no knowledge of this account Account info Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$820.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$820.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American First Finance, Inc.
State: NY

Complaint narrative:
I financed a XXXX  moped through American First Finance for {$1800.00}. The moped was stolen in XXXX XXXX  XXXX, and I filed a police report on XX/XX/2025, which is currently under investigation. I provided the police report information to AFF and requested that the loan be forgiven, since I no longer have the property.

AFF responded by offering only an early buyout option, requiring me to pay the remaining balance despite the theft and proof of the crime. I have not received any other resolution or acknowledgment of my request for forgiveness. 

I have documentation of all communications with AFF, including their response to my request and the police report confirmation. I am seeking full forgiveness of the loan balance due to the verified theft of the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been notifying 5th 3rd bank for years that they have the wrong number as I do not have an account with them. Continued calls and voicemails for debt collection during week and on weekends in the morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
I received notification on XX/XX/XXXX that shine stride bank was closing my bank account and calling to the bank they said it was a compliance issue in regards to my direct deposit My payroll has been deposited over a year and I've been a member of chime for over 5 years it's a lame excuse in my account should not be closed I have talked to every representative every supervisor that I can think of they still give me the lame excuse to look at the section on our deposit disclosure how after a year of direct deposit of payroll can an account be closed because of compliance I am in compliance I get payroll in there every XXXX weeks and now they're telling me they're closing the account it's unfair and just and they will not work with me to appeal it or get the account back up and running

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a capital one account credit card. I last used card XXXX XXXX  ago and paid off amount owed or so I thought using mobile app. I guess when you make XXXX payments in 1 month. First a payment towards billing cyle and then another to pay off balance. The XXXX payment doesn't count towards next cycle and then you are charged a late fee on the billing cycle. I checked and have a balance of XXXX with XXXX {$25.00} late fees and XXXX {$40.00} late fees with interest accrued with said late fees. equal to {$130.00} in late fees and {$15.00} interest, total {$140.00}. ALMOST THE WHOLE BALANCE OWED XXXX discretion between me and Capital One. Capital ones system and support seems to be designed and thriving off charging late fees .I called capital one support to talk about the fees and clear up issue. I still dont understand how late fees and interest can add up to XXXX and nothing can be done about it through their organization. I closed account and probably will have to deal with collections over paying my XXXX XXXX, when I was done the app said XXXX dollars owed and I check months later not using card once since paying it off and my balance is XXXX. XXXX percent of balance is charged late fees and interest off of those late fees and nothing can be done. I have a serious issue with CAPITAL ONE and thier business practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Experian / Equifax / XXXX XXXX XXXX Formal Dispute of Inaccurate Credit Reporting Portfolio XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to dispute inaccurate information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The account in question is being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX 
On XX/XX/year>, this case was dismissed by the XXXX XXXX XXXX XXXX. Enclosed are copies of the official Notice to Appear and the Final Court Order of Dismissal signed by the Magistrate Judge. This dismissal establishes that XXXX XXXX XXXX has no enforceable claim and, therefore, any continued reporting of this account as valid or collectible is factually inaccurate and misleading.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy of the information they report. Continuing to publish a dismissed claim as a valid derogatory tradeline violates this standard. Additionally, under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation and delete or correct inaccurate or unverifiable information.

Requested Action : 1. Delete immediately the XXXX XXXX XXXX XXXX XXXX account from my credit file across all reporting databases. 
2. Provide me with written confirmation of this deletion once complete.

Please note that if this inaccurate account is not removed, I will have no choice but to pursue remedies under the FCRA, which include statutory damages, actual damages, attorneys fees, and costs.

Enclosed are copies of the court documents supporting this dismissal for your review.

I expect this matter to be resolved within the 30 days allowed by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Enclosures : XXXX XXXX Court Notice to Appear ( Case XXXX XXXXXXXX ) XXXX XXXX Court Final Dismissal Order

Company response to consumer: Closed with explanation