vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: NCC Holdings, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding an unauthorized credit inquiry made by XXXX XXXXXXXX on XX/XX/year> On XX/XX/year> I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX to purchase a vehicle. I arrived with an approved auto loan from XXXX XXXX and clearly informed the dealership that I would be using my own financing. Despite this, the dealership obtained my credit report without my permission. 
Under the Fair Credit Reporting Act ( FCRA ), a company must obtain a consumers consent before accessing their credit report. I did not authorize this inquiry. 
I have already contacted the dealership directly requesting removal of the inquiry and proof of authorization, and I have also disputed the inquiry with the credit bureaus. 
I am requesting the CFPB to investigate this matter and ensure that XXXX XXXX and any affiliated lenders comply with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCCXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
I rented out an apartment at the XXXX XXXX XXXX, i started falling behind on payments and got an XXXX notice. After receiving the XXXX notice i applied for the XXXX program which stopped the process of the XXXX  and the government assisted me with help with my rent paying XXXX in past due rent to cover all past due charges. I then renewed my lease and eventually fell behind again a few months later but looking at my credit report im in debt over {$17000.00} from this apartment and positive thats incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
Re : Request for Investigation Under the Fair Credit Reporting Act To Whom It May Concern, I am disputing the accuracy and completeness of the following collection account being reported on my credit file : Debt Buyer / Collection Agency : Portfolio Recovery Associates Original Creditor : XXXX XXXX Bank XXXX, XXXX. 
Account Number ( Partial ) : XXXX Reported Balance : {$460.00} Date Opened : XX/XX/year> Status : Collection Account This account is being reported with incomplete and possibly inaccurate information. Specifically : XXXX. The account is listed as opened in XX/XX/year> by Portfolio Recovery Associates, but this does not reflect the true date of first delinquency with the original creditor (XX/XX/XXXXXXXX ), which must be used for reporting purposes under FCRA XXXX ( c ). 
XXXX. The account is missing supporting documentation, including proof of the original agreement and itemized balance. 
XXXX. I am concerned this account may have been re-aged, extending its reporting period beyond the XX/XX/XXXX years permitted by law. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( 15 USC XXXXi ), I request that you conduct an immediate investigation. Unless Portfolio Recovery Associates can provide complete, verifiable documentation showing : Proof of ownership of the debt, The original creditors records and date of delinquency, and A lawful basis for the current balance and reporting dates, this account must be deleted from my credit file. 

Please provide me with the results of your investigation in writing within XX/XX/XXXX days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Complaint Against JPMorgan Chase Bank I have not received the funds from a Chase checking account I closed more than XXXX months ago. 

In late XX/XX/XXXX2025, I closed my Chase checking account through the Chase mobile app. The account had a balance of over {$1000.00}. I expected to receive my proceeds shortly thereafter. However, XXXX weeks passed and no check arrived. At that point, I began to suspect either the check was never sent or had been lost. 

In XXXX, I followed up with Chase through their secure messaging systemthe same platform I used to close the account. I asked when I could expect the funds. The responses I received were generic, stating only that the check would arrive in XXXX business days. This same vague assurance has been repeated countless times by various Chase representatives, both online and in person, yet no progress has been made. 

I then visited a branch in person, assuming Chase could simply cancel the original check and issue me a new one. Instead, I was made to wait in the lobby, only to be told by a banker that they could not view whether a check had been issued, whether it had been cashed, or even access the check number. It became clear that Chase employees have little visibility into other departments, and as a result, they are as uninformed as I am. After multiple internal phone calls, I was told I would need to return to complete an account closure form and a declaration form at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

On XX/XX/XXXX, I returned as instructed, provided XXXX forms of identification, and had documents notarized by XXXX XXXX. I was told these would be sent to Chases Account Closures department, which was responsible for issuing my check. I never received the check, nor any updates. 

In XXXX, I attempted to resolve this matter at a different branch ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). I spoke first with XXXX XXXX, who could not provide answers, and then with XXXX XXXX XXXX who attempted to help but was unable to get through to anyone at Chase corporate who could give me a clear response. Each banker I have spoken with has been equally unhelpfulnot for lack of trying, but because Chases systems give them no access to the necessary information. 

Despite my repeated effortsmultiple branch visits, notarized documents, phone calls, secure messages, and countless reassurances of XXXX business daysI still have not received the funds from my closed account. My notarized forms were either never sent to the appropriate department or were ignored. Regardless, Chase continues to withhold my money. 

It has now been XXXX months since I closed my account, and I still do not have access to my funds. This process has been exhausting, unethical, and in my view, borders on fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/year> at XXXX XXXX EST, I called XXXX about several Visa gift cards in my possession. The representative identified as XXXX. I discovered that while many cards showed {$0.00}, some still had balances. Despite having the physical cards, I was denied access to the balance information on said cards and access to the funds because I could not recall a billing name and address I had once entered. For one card with {$1.00}, I was told I must provide my government ID and billing address to receive a replacement. 
Gift cards are marketed as bearer instruments, not tied to personal identity. Federal law ( CARD Act, Reg. E ) and XXXX own Cardholder Agreement state funds do not expire even if the printed valid thru date has passed, and replacement cards for expired cards must be issued without unreasonable barriers or fees. Requiring consumers to remember arbitrary names/addresses or submit sensitive ID for trivial balances is an unlawful restriction and effectively a method of confiscating funds. 
This practice exploits customers privacy concerns and discourages them from recovering money rightfully theirs. Many will simply give up, resulting in XXXX profiting from unused balances. This appears deceptive, unfair, and in violation of federal and state gift card protections. 
XXXX can not sell anonymous cash-equivalent gift cards, then later impose ID and billing data requirements to block redemption. This is effectively theft, and I request regulatory investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
Hey I was trying to purchase a house that I really worked hard for. And that's when it hit me that I had damages on my credit report that I have no acknowledgment of these unauthorized fraudulent accounts. This has caused so much stress to me and my family because we were unaware of this issue. According to the 15 U.S.C 1681c-2 law there should not be any damages on my report, this is defamation to my character. PLEASE SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
This is my second attempt at requesting that the erroneous item XXXX # XXXX be deleted and removed from my consumer report. It has been exceeded thirty day for this company to verify and substantiate this item. I have correspondence from the Bankruptcy Court of Ga. that no such case # exists, nor do they furnish information to third party individuals or agencies. This inaccurate information has caused me tremendous stress and has damaged my reputation as a consumer. No other agency can verify this alleged item! ( See correspondence from XXXX ). 

This item is erroneous and unverifiable! Therefore i request that the XXXX item # XXXX be deleted and removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I lost my job and contacted Revvi regarding my upcoming payment. Revvi has refused to provide any hardship or relief options, despite my good faith efforts to communicate ahead of time. Their Credit Protection program is misleading, as it can not be applied after job loss, which makes it useless when consumers actually need it.

Additionally, Revvi provides no direct customer service email or effective way to reach them. Instead, responses are delayed up to 48 hours and earlier complaints filed under Vervent were rejected, leaving me with no direct recourse. Meanwhile, Revvi continues to threaten late fees and collections, even though I have been transparent and proactive in notifying them of my hardship. This is abusive, deceptive, and leaves struggling consumers with no support whatsoever.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: IL

Complaint narrative:
Debtor added debt to my credit report without my knowledge violating my right to dispute. I reached out requesting below and still havent received proper verification.

I am writing in regarding a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide me with proper validation of this debt. Please note that this is not a refusal to pay, but a request for verification.

Please provide the following information 1. Forward Flow Agreement 2. Chain Of Assignment 3. Proof that you have the legauthority to collect this debt, including a copy of the agreement between you and the original creditor.

4. A complete itemization of the debt, including the original amount, interest, fees, and any other charges.

5. The name and address of the original creditor and any account numbers associated with the debt.

6. Proof that the statute of limitations has not expired on this debt.

7. A copy of any signed agreement showing that I agreed to this debt.

8. Your license number and the state in which you are authorized to collect this debt.

Until you provide this validation, I request that you cease all collection efforts, including reporting this debt to credit bureaus as unverified.

If you can not validate this debt, I request that you remove it from my credit report and cease all further contact with me regarding this matter.

Please respond to this request within 30 days of receiving this letter. I look forward to your timely response. 

Sincerely, XXXX 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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year> I took advantage of a balance transfer offer of 2.99 %. Barclay charged a fee that amounted to {$220.00}. The amount of the transfer was {$7500.00} which made the total balance of {$7700.00}.

3 payments of {$800.00} have been made towards the balance transfer. They are charging around {$2000.00} for interest per month. So far so good! The problem started when I noticed the balance as of XX/XX/year> is only {$6500.00}. I called them and explained they were allocating the payments incorrectly towards the balance transfer. 

I was told that any payment will hit the purchases first and what ever was left will go towards the balance transfer. The issue here is that on the purchases I pay the balance every month and interest is never charged to my account. I always set it up for 2 different payments to hit the account. First payment to cover the full balance of the purchase and the Second payment to hit the balance transfer. On XX/XX/XXXX, I paid my balance of {$700.00}, on XX/XX/year> I made the second payment for {$800.00}. According to XXXX, the customer service rep only {$200.00} was allocated the balance transfer and {$600.00} towards my purchases. Please keep in mind I paid the balance in full on the purchases and do have XXXX to XXXX to make a payment on the new purchases. 
But the interesting thing happens when I get the statement I show a balance of all the purchases and {$600.00} have vanished into thin air. I requested a history of the last 3 months to the balance transfer and was told they can not provide that information. Mind you I don't see a balance at all on the transfer on the statements or when i log into my account. I spoke with a XXXX and she provided a fax number to the XXXX of the XXXX. Fax number is always busy or could be a wrong number.

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 2025-09-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: SC

Complaint narrative:
XX/XX/XXXX joined debt consolidation {$40000.00} {$600.00} XX/XX/XXXXmonth XX/XX/XXXX still half my debt is existing ~ {$20000.00} Sheriffs department has served me several times at my home, requiring paperwork be signed, notarized and mailed Constantly calling asking for more money in my dedicated savings account of which they take their fee of 25 % of my debt before satisfying negotiated paybacks, of which a very small percentage is removed After being in this program for so long, it has finally occurred to me its a scam. There is no benefit of this program to the consumer, however, the business works out beautifully for the scammer, not having the debt adjusted to a lower rate is to their benefit. Moreover, them taking their fee, before any creditors are satisfied is insane. This program advertised itself as a debt relief tool. Its only relief is for its benefit siphoning money from desperate people already in a jam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-27 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: PA

Complaint narrative:
I have disputed multiple inaccurate items on my credit reports with Experian, Equifax, and TransUnion. Despite sending dispute letters, the bureaus have failed to correct or properly verify the information. 

The issues include : Late payments being reported inaccurately. 
Closed accounts still showing as open or delinquent. 
Collections accounts that have not been properly validated. 
Unauthorized hard inquiries that I did not approve. 
Concerns that a TransUnion data breach ( XXXX ) may have contributed to inaccurate reporting and unauthorized inquiries.

I requested verification and correction under the Fair Credit Reporting Act ( 15 USC 1681i, 1681e ( b ), 1681s-2 ), but have not received a proper resolution. 

Requested Resolution : I am asking the CFPB to require the credit bureaus and furnishers to delete or correct all inaccurate items, remove unauthorized inquiries, and provide me with written confirmation once corrections are made across all three credit bureaus.

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 2025-09-27 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: PA

Complaint narrative:
I have disputed multiple inaccurate items on my credit reports with Experian, Equifax, and TransUnion. Despite sending dispute letters, the bureaus have failed to correct or properly verify the information. 

The issues include : Late payments being reported inaccurately. 
Closed accounts still showing as open or delinquent. 
Collections accounts that have not been properly validated. 
Unauthorized hard inquiries that I did not approve. 
Concerns that a TransUnion data breach ( XXXX ) may have contributed to inaccurate reporting and unauthorized inquiries.

I requested verification and correction under the Fair Credit Reporting Act ( 15 USC 1681i, 1681e ( b ), 1681s-2 ), but have not received a proper resolution. 

Requested Resolution : I am asking the CFPB to require the credit bureaus and furnishers to delete or correct all inaccurate items, remove unauthorized inquiries, and provide me with written confirmation once corrections are made across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
What Happened : Unfair Debt Collection and Credit Reporting by XXXX XXXX ( formerly XXXX XXXX  ) and alleged agent Gurstel Law Firm In early XXXX, XXXX XXXX  ( now merged into XXXX  XXXX on XX/XX/XXXXXXXX  ), through Gurstel Law Firm P.C. ( attorney XXXX XXXX ), served a lawsuit against me in Minnesota District Court, XXXX XXXX ( Case # XXXXXXXX  ), alleging {$11000.00} owed on securitized credit card account XXXX XXXX XXXX XXXX XXXX XXXX. As a consumer, I disputed validity, asserting lack of standing and disclosure, violating federal protections. 

On XX/XX/XXXX, I served Defendant 's First Requests for Admissions, Productions, and Interrogatories on XXXX/XXXX  XXXX, demanding proof of reserves-funded credit, terms, loss, and securitization details. No response, denying transparency. 

On XX/XX/XXXX, I filed Answer with Affirmative Defenses, denying breach, account stated, and unjust enrichment due to no bona fide loss. Mediation proposed ; ignored, escalating coercion. 

On XX/XX/XXXX, I served Cease and Desist Notice with Liability on XXXX via Certified Mail ( # XXXX, delivered XX/XX/XXXXXXXX  ; tracked # XXXX ), revoking authority and demanding dismissal within 10 days. No action, continuing harassment. 

In XX/XX/XXXX, Gurstel secured garnishment, freezing my bank account without validation, impacting funds. On XX/XX/XXXX, I sent cover letter with IRS Forms 1099-A/B, evidencing the taxes have been assessed and no controversy exists and demanding release. 

Today, XX/XX/XXXX, I sent Debt Validation Letter via Certified Mail to Gurstel/XXXX  XXXX XXXX  , demanding original contract, ledger, authority proof, response within 5 days ; complaint ID to be added post-filing. 

These violate CFPB-enforceable laws : - FDCPA, 15 U.S.C. 1692e : Misleading representations of debt validity/amount via undisclosed securitization.

- FDCPA, 15 U.S.C. 1692f : Unfair garnishment without bona fide debt evidence.

- FDCPA, 15 U.S.C. 1692g : Failure to validate post-request. 
- FCRA, 15 U.S.C. 1681 : Inaccurate reporting to XXXX. 
- CFPA, 12 U.S.C. 5536 : Unfair/deceptive acts in credit practices.

I seek investigation, mediation, halt to collection, account unfreeze, and credit corrections. 

This information is given in good faith, with clean hands and sound mind to the best of my knowledge and belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent a debt dispute and cease & desist letter to LVNV Funding LLC Serviced by Resurgent Capital Services L.P. ON XX/XX/year> Tracking number # XXXX The company failed to provide the following essential documentation for any of the three accounts : 1. A copy of the original consumer credit agreement proving my contractual liability.

2. The full, complete chain of custody/bill of sale proving that LVNV Funding LLC legally owns the debt and has the right to collect.

By reporting theser accounts and attempting collection without providing proper legal validation the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief