vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: PREFERRED CREDIT INC
State: TX

Complaint narrative:
I am submitting this complaint to request assistance in obtaining a supervisory review of my goodwill adjustment request with Preferred Credit , Inc. I am not disputing the accuracy of the reporting. I fully acknowledge the delinquency on this account, and the account has been paid and settled in full. 

During the period of delinquency, I experienced significant and documented personal hardship. I lost my mother and then my daughter within a short timeframe. These events severely affected my mental, emotional, and financial stability. Once I regained stability, I paid the account in full and have been working hard to rebuild my credit.

I have made two goodwill requests directly to Preferred Credit asking if the negative reporting could be removed as a courtesy due to the circumstances. Both responses I received were template-style replies that did not appear to include a substantive or supervisory review of my situation. This complaint represents my third attempt to have the matter reviewed with consideration of my hardship.

I want to emphasize that I am not disputing the accuracy of the credit information. I am respectfully asking for CFPB assistance in having Preferred Credit conduct a meaningful review of my goodwill request and respond accordingly. I am simply asking for consideration due to the severe hardship I experienced and the steps I have taken to resolve the account responsibly.

I appreciate any assistance the CFPB can offer in facilitating a higher-level review of my request. 

Account Number : XXXX Creditor : Preferred Credit , Inc. 
Status : Paid / Settled in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-26 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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

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 2025-11-26 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: MD

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fig Tech Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 respectfully submit this letter as my formal dispute of the accounts listed. I have no relationship to them and did not authorize their establishment. Please remove and review accordingly. Documentation is attached.

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 2025-11-26 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
Below is a list of the fraudulent accounts that I have identified on my credit report : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts be blocked and permanently removed from my credit report. I have enclosed the following documentation to support my claim : 1. A copy of my government-issued photo ID.

2. A copy of my proof of address ( e.g., utility bill or bank statement ).

3. A copy of the police report regarding the identity theft.

4. A completed Identity Theft Report from the Federal Trade Commission ( FTC ).

Please update my credit file to reflect that I am not responsible for these accounts and ensure that no further adverse accounts are taken against my credit as a result of these fraudulent activities. I also request that you notify any creditors who accessed my credit report during this time about the identity theft to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 found three fraudulent accounts on my credit report, please remove them from my credit report, XXXX XXXX opened on XXXX, XXXX opened on XXXX, XXXX opened on 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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I must emphasize that unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries persist. This inaction is unacceptable and negligent. The ongoing presence of these potentially fraudulent entries strongly indicates possible identity theft, causing severe emotional and financial 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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
When paint my credit card I am given the option to pay via debit card. Three times now this ability has been taken away and Ive had to call. One time resulting in a late fee. No changes were ever expressed to me. I have no other way to pay this card. 

I paid with a debit card XX/XX/XXXX after a long call with management and special approval. At this time I was verbally told no policy change existed but that I could no longer use my debit card. 

I paid with a debit card on XX/XX/XXXX with no issue. I paid with a debit card on XX/XX/XXXX with no issue. I paid with a debit card on XX/XX/XXXX with no issue. I paid for a debit card on XX/XX/XXXX with the assistance of a phone call and manager, as this option randomly became unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a credit card account at a GAP store, and the account was approved on the spot. 

On XX/XX/XXXX, I attempted to access the account through the issuers mobile app to pay the bill. When I tried to add my bank account for payment, the app refused to accept it and instructed me to contact the company immediately.

When I called, the company informed me that no payments would be allowed until I completed an identity-verification process. I was then told that the only available verification method is by physical mail, which could take significantly longer than the bills due date. Additionally, I will be traveling abroad, which means I may not reliably receive or respond to mailed correspondence. 

Problems With the Company 's Procedure : - The company allows instant approval and account opening, but blocks timely payment due to an outdated verification process.

- The mail-only verification creates unreasonable delays and puts me at risk of accruing interest or fees through no fault of my own.

- I am actively attempting to pay my bill, but the company is preventing me from doing so.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On Monday, XX/XX/XXXX I deposited an official bank draft issued by XXXX XXXX that I received from XXXX when I sold my vehicle. The amount of the draft was {$4300.00}. After I deposited it at Citizens Bank, they placed an extended hold on the funds through next week ( XX/XX/XXXX ). 

I contacted Citizens Bank on XX/XX/XXXX and asked why the extended hold was applied. I requested the specific XXXX XXXX exception code or reason for the hold, as required when a bank places an exception hold. The customer service agent, XXXX XXXX a supervisor in the customer service department, refused to provide any reason code or explanation. 

I then requested that Citizens conduct a XXXX XXXX exception hold review. This is a standard process that allows the bank to determine whether the extended hold is appropriate. Citizens refused to perform this review as well. 

Finally, I asked if they could verify the official bank draft with XXXX XXXX, the issuing bank. XXXX of an official draft is a common and straightforward practice. Citizens refused to contact XXXX XXXX or perform any verification. 

At no point did Citizens provide a valid reason for the extended hold, and they declined to take the steps necessary to confirm the validity of the official draft. The refusal to provide a reason code, refusal to conduct a XXXX XXXX hold review, and refusal to verify the instrument appear to violate the requirements of XXXX XXXX. 

I am requesting that the CFPB XXXX Citizens Banks actions and require the bank to provide a proper Reg CC justification or to release the funds based on verification of the draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates , LLC is attempting to collect a debt in the amount of {$3200.00} that I do not owe. I never signed any contract or agreement with Portfolio Recovery Associates, nor have they provided any documentation validating that this debt is mine. 

Despite this, they have contacted me repeatedly through phone calls, text messages, emails, and letters. Their frequent contact has been excessive and unwanted. The dates contacted are XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 


I have repeatedly requested more information and proper validation, but they have failed to provide sufficient proof that the debt belongs to me. I believe they are attempting to collect a debt without proper verification and in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: CT

Complaint narrative:
I am filing a complaint against United Collection Bureau ( UCB ) regarding their misrepresentation of the settlement agreement terms and payment timeline for XXXX XXXX XXXX Consumer Credit Card account ( serviced by XXXX ). 

UCBs written response to the CFPB ( dated XX/XX/year> ) contains multiple factual inaccuracies and materially false statements. These inaccuracies harm me by mischaracterizing the settlement agreement, the payment due date, and my compliance with the offer. 

UCB claims they mailed me a settlement offer letter on XX/XX/year>. 
I never received this letter and have no record of it. My first awareness of UCB settlement options came only after I independently visited their website because the validation letter did not contain details of the offers. 

UCB claims I went online on XX/XX/year> and accepted a settlement to pay {$1100.00} in five payments by XX/XX/year>. 
This is false. Their online portal allowed me to view offers, but required me to call them to confirm enrollment, which I can not do due to my hearing XXXX. 


UCBs letter also falsely states that my first installment payment was made on XX/XX/year>. This is false. I made the payment on XX/XX/year>, the final day of the settlement offer window. I included screenshots of the payment confirmation in my XXXX CFPB complaint. UCBs misstatement of the payment date materially changed their narrative about why the settlement broke. 

Why the settlement actually broke : After I made the XX/XX/XXXX payment, UCBs XXXX XXXX immediately reinstated the full charged-off balance of {$1800.00} less my first payment of {$180.00} and the settlement offers and terms disappeared. Since their system no longer reflected the settlement, I could not proceed with subsequent payments. The settlement was destroyed by their systemnot by any failure to pay. 

UCBs CFPB response states that the settlement broke due to non-payment, but omits the critical fact that their system reinstated the full balance, preventing further payments. 

Accessibility violation : I have a hearing-related XXXX and have repeatedly requested that all debt-collection communication be in writing. UCB required me to call to confirm enrollment, which I could not do. No written alternative was offered. 

What UCB is doing wrong : 1 ) Misrepresenting the date and manner of payment 2 ) Misrepresenting how the settlement offer was accepted 3 ) Misrepresenting why the settlement broke 4 ) Stating I failed to make payments when their system prevented payment 5 ) Conditioning settlement terms on inaccessible communication channels 6 ) Reporting false information to XXXX that influenced Citis response to my prior CFPB complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I just noticed some credit card that was opened without me know.

Cause I was checking my credit score and some credit cards was showing and never applied for those credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: IL

Complaint narrative:
I filled out a XXXX  School Misconduct Denial Notice and was denied even though my school is listed under The Holder Rule and has evidence of misconduct

Company response to consumer: Closed with explanation