vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was unexpectedly removed as an Authorized User from my mother 's XXXX XXXX XXXX credit card account on XX/XX/2025. 
I did not request this removal, nor did my mother ( the primary account holder ). We only found out after I noticed the account no longer appeared on my credit reports. 
I contacted TransUnion and Equifax, and both stated they had not removed the account themselves and that they only report the information they receive from XXXX XXXX. 
My mother and I then contacted XXXX XXXX, and their representative told us that the Authorized User ( me ) had filed a dispute with a credit bureau to have the account removed. This is factually incorrect I did not file any such dispute with any bureau. 
Furthermore, XXXX  XXXX refused to tell me : Which credit bureau supposedly received this dispute When the dispute was submitted Any documentation regarding the alleged dispute This unauthorized removal of the Authorized User account has negatively impacted my credit profile, as this account had a long history and low utilization, and contributed positively to my credit score. 
This situation has resulted in a loss of positive credit history through no action of mine, and I respectfully request that the CFPB assist in resolving this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Date : XX/XX/2025 To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Formal Dispute & Debt Validation Demand XXXX  XXXX Accounts Ending in XXXX & XXXX Portfolio Recovery Associates Account [ Insert PRA Account Number if Available ] To Whom It May Concern, This letter is a formal dispute of the above-referenced accounts you claim to have purchased from XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I am requesting that Portfolio Recovery Associates ( PRA ) provide complete validation of the alleged debt ( s ) you claim ownership of. 

Specifically, I demand the following : Proof of Ownership & Assignment : The full purchase and sale agreement or bill of sale between XXXX  XXXX and Portfolio Recovery Associates showing the legal transfer of my alleged account ( s ).

Chain of title documentation demonstrating uninterrupted ownership from XXXX XXXX to PRA. 

Proof of the Alleged Debt : A complete, itemized accounting of the alleged balance, including all charges, fees, and payments from account origination to charge-off. 

A copy of the original signed credit card application or legally admissible evidence proving I entered into a binding contract with XXXX XXXX for the alleged account ( s ). 

Evidence of my personal liability, including my verified signature, not merely electronic data. 

Credit Reporting Accuracy : If you are reporting this account to any Consumer Reporting Agency, you are required under FCRA 623 ( a ) ( 1 ) ( A ) to ensure all information is accurate and verifiable. Reporting unverifiable or incomplete data is a violation of federal law. 

Cease Collection Until Validation : Until you provide the requested documentation, you must immediately cease all collection activity, including phone calls, letters, and credit reporting. 

Notice of Dispute : This is a dispute of the validity, ownership, and amount of the alleged debt ( s ). If you continue to report this account to the Credit Reporting Agencies without providing proper validation, you will be in violation of both the FDCPA and FCRA, and I will not hesitate to pursue all available remedies including complaints with the CFPB, FTC, and State Attorney General, as well as potential civil action. 

Please provide the requested documents within 30 days of receipt of this letter. If you can not provide validation, you must immediately delete any reporting of this account and cease collection activity. 

Sincerely, [ Signature ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I sent a certified letter to debt collector XXXX requesting validation of debt including formal request for the debt collector to provide, in writing, XXXX ) the original creditors name, XXXX ) the amount of the alleged debt owed with a detailed explanation of how this was calculated, XXXX ) a detailed breakdown of the debt including any interest or fees added, XXXX ) copies of any/all agreements or contracts related to the debt with proof that shows I agreed to pay what you claim I owe, XXXX ) proof that you are authorized to collect debts in my state including your license number and a registered agent, XXXX ) verification that the statute of limitations on this debt has not expired, and XXXX ) date last payment was received. 

I never received any response after 30 days. I sent a follow up email requesting the information and the debt collector only sent a bill from the alleged original debt. They did not send me any further information required to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AVANTE
State: UT

Complaint narrative:
b"I (Claimant) Specifically requested proof of a debt in a 'verification of debt' letter sent via USPS Certified Mail Number: XXXX XXXX XXXX XXXX XXXX  to original alleged creditor.\nOriginal alleged creditor ignored Claimant's letter Dated: XXXX XXXX XXXX, and continued to send allegation of a debt to Claimant, after which original alleged creditor sold alleged debt to AvanteUSA, who hired an Attorney who continued to harass Claimant and refuse to answer specific requests for proof of an obligation, eventually bringing forth a lawsuit against Claimant, damaging Claimant's credit."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding DEPT OF EDUCATION/NELNETs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. DEPT OF EDUCATION/NELNET has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATION/NELN XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATION/NELN XXXX XXXX DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATION/NELN XXXX & DEPT OF EDUCATION/NELN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Re : Account Number XXXX * * ( as reported to TransUnion ) * * To Whom It XXXX Concern : I am writing in response to your reporting of the above-referenced account. This letter is a formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting validation of the alleged debt.

Please provide the following : 1. Proof that I am legally obligated to pay this debt, including a copy of any signed contract or agreement.

2. A full accounting of the alleged balance of {$2500.00}, including principal, interest, fees, and how the amount was calculated.

3. Documentation showing that XXXX XXXX XXXX is the rightful owner of this debt, including the chain of assignment from the original creditor. 
4. Proof that you are licensed to collect debts in my state, as r

equired by law.

Until such validation is provided, you must : Cease all collection activities, including phone calls and letters.

Cease reporting or verify this account with the credit reporting agencies. Reporting information that has not been properly validated may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

Be advised that any failure to comply with this request, or any continued reporting of unverifiable information, will be documented as a violation of my rights under federal law.

I expect your response within the 30-day period provided by law.

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 2025-09-28 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: MA

Complaint narrative:
I am disputing XXXX charge offs and Equidax is sending in negative information high credit usage on an account that is in charge off status since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TN

Complaint narrative:
This company added debt to my credit report without my permission. I have no knowledge of this debt or creditor. I would like it removed from report immediately. According to law 15 USC 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is regarding a prior claim XXXX that Bank of America responded with " Closed with monetary relief '' but they didn't gave any monetary relief. The monetary relief they are reporting was not part of the dispute I was requesting and claiming to be investigated. They provided a monetary relief of {$6500.00} for one of two transactions that I opened 2 disputes. They gave me the {$6500.00} back for both claims back in XXXX but then, decided to revert one of the 2 charges of {$6500.00} after 90 days of the disputed charge. The reason was very vague and the employees at Bank of America were not clear why this happened. I got a letter at the end of XXXX saying that I need to submit information before a certain date in XXXX which had already pass so the letter was not really letting me take any action and one of the 2 amounts of {$6500.00} were still charged to me when they reverted the dispute charge that was credited to me in XXXX. When they closed the CFPB claim ( XXXX ) they closed it claiming there was a monetary relief but there wasn't any. I still didn't get back the {$6500.00} they charged me again in XXXX for a transaction that was made in XX/XX/XXXX and was credited in XX/XX/XXXX. That is the charge I'm claiming here and I didn't get the monetary relief. I request this gets investigated and reopen.

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
I had money stolen from my account and they wont give them back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: PA

Complaint narrative:
I received two emails within minutes of each other ( XXXX, Sunday XX/XX/year> ), addressing me by my first name. The first was flagging a new login detected by Chime on a XXXX phone in XXXX. Then I received an email saying 'Your debit card is en route ' to an address in XXXX that I am not familiar with. I have never lived in XXXX. 

I have NEVER opened or considered opening an account with Chime. 

I called the number on their website and spoke to a customer service agent. The agent was as helpful as he could be, but Chime did not allow him to confirm whether they had detected an account with my name attached, only that IF an account had been created, it was closed. 

As a person concerned about financial fraud and identity theft, this response leaves something to be desired. I found reports online of this happening to countless other people over several years, and I find it egregious that Chime has not taken steps to improve their security in that ample timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
Fair Collections & Outsour Account Original Creditor : REVEAL AT XXXX XXXX : {$9200.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Agency : FAIR COLLECTIONS & OUTSOUR Agency Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Agency Phone : XXXX Account Status : Unpaid / Rental/Leasing Disputed Items : Account may be fraudulent ; I never authorized or opened it.

Balance may be inaccurate. 

Account status may be reported incorrectly.

Payment history or delinquency dates may be incorrect.

Creditor and agency information may be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: SC

Complaint narrative:
I have proof that on XX/XX/year> items XXXX in the amount of {$7200.00} XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of XXXX Were all deleted from my TransUnion report I disputed these items on XX/XX/year> They reviewed my disputes XX/XX/year> And I received the results that they deleted these items on XX/XX/year> but its still showing on my 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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
This is the 2nd time that I found unauthorized transactions that were not made by me and I filed a dispute and get told repeatedly that there was no issue found after investigation however, I did NOT make the charges and my money is gone and they are unwilling to resolve or refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: MI

Complaint narrative:
I am filing a formal complaint against Checkr , Inc. and XXXX XXXX XXXX XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ) and for providing or using inaccurate information to deny me work on the XXXX platform. 
In [ XXXX ], XXXX permanently deactivated me based on a background check provided by Checkr. The report allegedly contained information that is false, misleading, or not mine, despite the fact that I have a completely clean driving record and XXXX XXXX XXXX XXXX XXXX XXXX  that also requires background clearance. I keep contacting checkr and I cant located a background, all while XXXX is stating I had concerning info on background. Its sketchy how now its no record with Checkr all while uber is stating I can work for them due to background check. 
For the past 3 years, I have attempted multiple times to view or dispute this background check via Checkr 's XXXX. Candidate Portal. As of now, I am no longer able to access my own report, even though XXXX relied on it to make a final employment decision. I believe this is a clear violation of FCRA, which guarantees : * The right to access any report used to make an employment decision * The right to be notified when a report is used to take adverse action * The right to dispute inaccurate information I have contacted both XXXX and Checkr several times, and neither company has provided a resolution or a full, transparent copy of the background check in question. 
I am asking the CFPB to : * Investigate Checkrs handling of my report * Require Checkr to provide me with the full report used * Hold XXXX accountable for taking adverse action without allowing me to dispute the findings My name is [ XXXX XXXX My date of birth is XXXX My primary email used with XXXX is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing agencies. I have never been notified of these collection actions or that I owned the debts.

This statement is to inform you that I have the right to request a validation of these debts and your ability to collect this money from me. I ask that you prove that Indeed the party who is contractually bound to pay off these dept or stop collection activity and remove it all together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: IL

Complaint narrative:
Re : Formal Dispute and Demand for Immediate Removal of Inaccurate Information I am formally disputing the reporting of the following accounts on my credit file under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Consumer Financial Protection Bureau ( CFPB ) regulations : Self/SouthState Bank Account XXXX XXXX Self Financial/Lead Bank Account # XXXX These accounts are being reported with incorrect dates, which constitutes a billing error under 15 U.S. Code 1666b, 12 CFR 1026.13, and a violation of 15 U.S. Code 1681s-2 of the FCRA regarding accuracy of furnished information.

Pursuant to 15 U.S. Code 1666 ( b ) ( Billing Error Resolution ), I am demanding an immediate investigation and correction of this inaccurate reporting. Under federal law, furnishers and reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. 

I hereby demand the immediate removal of these erroneous accounts and/or correction of all reporting inaccuracies within 15 days of receipt of this notice. Failure to comply will leave me with no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and, if necessary, pursue legal remedies available under 15 U.S. Code 1681n and 1681o. 

This letter serves as my good faith attempt to resolve this matter without further escalation. Please confirm in writing once the accounts have been corrected or deleted. 

Sincerely, [ XXXX XXXX ] [ Last 4 of SSN : XXXX ] [ Date of Birth : XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
Accounts showing open when its closed please remove from my report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. I request that you investigate this matter and remove the inaccurate information from my file. 

XXXX XXXX XXXX XXXX XXXX Please complete the investigation within 30 days of receiving this letter, as required by law, and send me a written confirmation once the disputed information has been corrected or removed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
Accounts showing open when its closed please remove from my report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. I request that you investigate this matter and remove the inaccurate information from my file. 

XXXX XXXX XXXX XXXX XXXX Please complete the investigation within 30 days of receiving this letter, as required by law, and send me a written confirmation once the disputed information has been corrected or removed. 

Thank you for your prompt attention to this matter.

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