vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint because I am being pursued for debt collection accounts that do not belong to me. Several years ago, I was the victim of identity theft, and as a result, fraudulent accounts were opened in my name without my knowledge or authorization. These accounts have since been reported to debt collectors, who are now attempting to collect on balances that I did not incur and do not owe. I have disputed these debts directly with the collectors and the credit bureaus, making clear that 1 am not responsible for them. Despite my disputes and the fact that these debts stem from identity theft, collection activity has continued, causing harm to my credit, financial stability, and peace of mind. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent debts are removed, and that the collectors cease all further collection efforts against me. I can provide supporting documentation, including my prior identity theft report, correspondence with collectors, and evidence of my disputes, to verify that 1 am not liable for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Attorneys USA LLC
State: MN

Complaint narrative:
On Friday, XX/XX/year>, I received a call from an unknown number stating that I had been notified by phone about a legal matter. I was instructed to call a provided phone number. Around the same time, my husband, mother, and sister all received similar voicemail messages in my name, threatening to find me at their location. 

When I returned the call, I was told that I owed $ XXXX, XXXX to XXXX. I requested documentation of the debt, as I have previously made payments on that account. I was told no documentation could be provided because it is evidence, and that I would be charged with breach of contract and attempting to deceive a financial institution if I did not pay immediately. 

I agreed to set up a payment plan, but the caller refused to provide any written confirmation or agreement. The company only identified itself as XXXX and refused to provide an address, website, or email address. They stated payments would appear under XXXX, which they said was their payment processor. 

I then contacted XXXX ( which appears on my credit report ) and confirmed that I no longer have an open account with them. They gave me a number for the original creditor, which I called. That company told me the account had been sold to a third party and gave me contact information to Collection Attorneys USA. When I called that third party, they gave me no information other than instructing me to call another company called XXXX. XXXX then referred me back to the XXXX company, which they claimed only files legal documents. Not one of these companies would provide validation of debt or an agreement. 

On Monday, XX/XX/year>, I again called XXXX requesting either ( 1 ) a written payment agreement or ( 2 ) validation of the debt. They again refused, stating that if I default on the payment arrangement, charges will be filed. They also stated that I would only receive a payment in full document. 

I also believe this original loan was predatory as the interest rate exceeded 164 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I have a new credit card with Citibank. I made a few initial purchases, then used the balance transfer offer. I received an alert, telling me to call their fraud department. I called, they asked for the last 4 digits of the card which I provided and my phone number for verification purposes. A phone number I have had for over 25 years. I was told my phone number did not meet their criteria, did I have an alternative phone number. I provided my work cell. Same problem. I offered a landline number at my job, but it requires choosing a menu option. I was told that would not be acceptable. I asked them to email a one time code, they told me they could not. Their only solution on a fraud alert is to send me a letter in the mail for verification purposes. I've had dozens of credit cards in my lifetime and have never encountered anything like this. The only other option they gave was for me to provide them with another company 's credit card number for my account and they would call that company to verify. I can receive bank statements and tax documents via email, but I can't receive a verification code from Citibank? This is ludicrous.

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> a legal hold was placed on my account by a debt collector. I paid the debt on XX/XX/year> and was told that the process would start to release that hold on my bank account. As of today, XXXX, XXXX I still do not have access to my money. The correct documentation has been faxed to capital one multiple times with capital one saying it is not signed correctly by the courts. I have a copy myself and it is signed correctly, I have spoken to the courts in person and was told by the courts that they will not continue faxing the documentation to capital one. I have been told capital one can not discuss this with the court or the issuing law firm. I have not been able to speak to someone above the call center supervisor. It is getting to the point that I will lose housing because someone is dropping the ball somewhere. I have spent hours calling the law firm, capital one and the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX BANK XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$31000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220000.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I am disputing an account being reported by Portfolio Recovery Associates, acct no. XXXX {$1300.00} This account is inaccurate, unverifiable, and being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On [ insert date of your dispute letter ], I sent a written dispute and debt validation request to the collector. In that letter I specifically requested the following information : A copy of the original signed agreement or contract with the original creditor. 

A complete chain of title/assignment showing every transfer of the debt from the original creditor to the current collector. 

A full itemized accounting/ledger of the balance, including interest, fees, credits, and payments. 

Proof that the collector is licensed/authorized to collect debts in Kentucky. 

A copy of any judgment, if applicable. 

Suspension of credit reporting until the debt was properly validated. 

To date, the collector has failed to provide any of the requested documentation. Instead, they continue to report the account as accurate and verified with the credit bureaus, despite not producing legally required validation. 

This conduct violates : FDCPA, 15 U.S.C. 1692g ( b ) ( failure to provide proper validation before continuing collection or reporting ).

FCRA, 15 U.S.C. 1681s-2 ( furnishing information known to be inaccurate or unverifiable ).

I am requesting that the CFPB investigate and require the collector and the credit bureaus to : Delete this account from all credit reporting agencies, or Provide the full, proper validation I requested, including signed contract, chain of title, and full accounting. 

Until proper validation is provided, this account should not be reported or collected. 

Requested Relief : Immediate deletion of this account from my credit reports, OR Full validation including original signed agreement, chain of title, and accounting. 

Ensure the collector ceases all reporting until validation is produced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/year>, I filed a dispute through PayPal for a purchase of {$180.00} from a fraudulent website ( a shoe retailer that never delivered any product ). I paid through PayPals guest checkout with my debit card. 

On XX/XX/year>, PayPal informed me that the case had been decided in my favor and that a refund had been issued. I was told it would appear in my account within 530 days, depending on my card issuer. 

However, in the weeks and months following, I received multiple, conflicting updates from PayPal representatives. Some messages confirmed my refund was processed, while others stated the case was still under review or had been re-opened because the seller appealed. At no point did I receive consistent email updates, despite being told repeatedly that I would. I was never notified about the sellers supposed appeal, which appears to have been accepted long after the standard appeal timeframe. 

I have spent over two months repeatedly contacting PayPal, but I still have not received the {$180.00} refund. The information provided to me has been contradictory and misleading, leaving me with no clear resolution. 

I believe PayPal failed to provide the protection it advertises and mishandled this dispute. I am requesting that the CFPB ensure PayPal completes the refund of {$180.00} to my account and reviews their handling of this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I've contacted TransUnion several times regarding the 40 inquires on my credit report. The customer service agents stated by law, even if they are fraud, they must remain on my credit report. I advised them I did not authorize those inquiries. They told me it was going to be okay, even if someone is running my 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 2025-09-29 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: FL

Complaint narrative:
I wrote to Transunion two times trying to dispute an identity theft situation that I faced. Unfortunately, they took no action on the matter. The result of fraud is still in my credit report. 

These are the inquiries that are being disputed : 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 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-29 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hello my name is XXXX XXXX and I noticed that a XXXX account that I never use was being charged {$100.00} a month for almost a year straight from XXXX XXXX I contacted them because I did not even know what this was and they let me know it was an online prescription site where they connect you with a physician and then they call in whatever prescription you need well I have a family doctor I have no need for anything like that so I contacted them and they refunded two months worth back and then I contacted Wells Fargo and let them know what was going on and filed a complaint well they gave me the provisional credit of {$700.00} back and then after about a month all of a sudden the money was taken back out. And all it stated was that there was evidence of something being received well this was not anything where goods were even sent it was through a medical site that has no information about me ever seeing a physician no medical prescriptions were ever sent anywhere from them because I never spoke to anyone and I don't understand how this claim was reversed when I had spoken to the bright side and they even said they had no records of me being a patient but that they could not refund that far back. I expected Wells Fargo to call them or getting contact and once they realized that there was never any authorization that the money will be put back on the card for good. Now I am out {$700.00} from a business that I can absolutely prove I never used so this is fraudulent and I don't know what else to do other than report this being I filed the claim with Wells Fargo and came back as I received goods when they have no goods to even send. They have no records of anything with my name other than a card and I read reviews where other people stayed the same problems with this company. I would appreciate any help in getting this money back please

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I paid XXXX of the debt consolidation off thru an debt consolidation co XXXX XXXX  this was due to XXXX which was granted to help take care my domestic partner of XXXX yrs due to medical debt

Company response to consumer: Closed with explanation