vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am disputing inaccurate credit reporting furnished by Citibank , N.A . / CBNA and reported by the national consumer reporting agencies. 
Based on my credit reports dated XX/XX/year>, this revolving charge account is reported as charged off, yet it continues to reflect an active balance of approximately {$750.00}. A charged-off account should not continue to be reported as carrying an active revolving balance. This reporting is inaccurate and misleading. 
The account also includes contradictory closure and status information, including descriptions such as charged off, canceled by credit grantor, and closed due to inactivity. Only XXXX accurate account status and closure reason should be reported. Reporting multiple conflicting statuses prevents the account from being independently verified. 
Additionally, the account reflects recent activity and payment dates in 2025, even though it is reported as charged off. A charged-off account should not generate new activity or payment dates. This appears to be improper re-aging of the account. 
There are also credit limit inconsistencies. Some credit bureaus report a credit limit of approximately {$600.00}, while others report a {$0.00} credit limit, despite a balance still being shown. In some instances, the reported balance exceeds the reported credit limit. These inconsistencies materially affect utilization calculations and credit scoring.

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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I requested for Portfolio Recovery Assoc. to validate this debt by providing the original contract between myself and the original creditor to establish debt. I also requested for a unbroken chain of title from the original creditor and Portfolio Recovery Association demonstrating your legal ownership of this account. And a detailed accounting of how {$540.00} was calculated, including all principal and interest, and fees itemized from a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
A request was sent on XX/XX/year> to fully validate the debt. No response was received. Attached is the request that was sent over. Please read fully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
A request was sent on XX/XX/year> to fully validate the debt. No response was received. Attached is the request that was sent over. Please read fully.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I am filing this complaint for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I have repeatedly disputed inaccurate and incomplete information appearing on my XXXX credit report. Despite multiple disputes, the inaccurate information remains and has been repeatedly verified without any meaningful investigation. 
XXXX XXXX XXXX XXXX is reporting a {$430.00} collection account allegedly originating from World Finance Corporation. However, World Finance is simultaneously reporting the same underlying account as both : A paid/closed account with no late history, and A separate account charged off for the same balance. 
This constitutes duplicate and stacked reporting of the same debt, which is inaccurate, misleading, and prohibited under the Fair Credit Reporting Act. 
Additionally, XXXX XXXX XXXX is reporting a {$310.00} collection account originally from XXXX XXXX. This account has been disputed multiple times and repeatedly verified without any correction or documentation, indicating a sham reinvestigation. 
XXXX has continued to publish these inaccuracies despite receiving multiple disputes and despite the furnishers failure to properly investigate. 
These actions violate, but are not limited to : FCRA 1681e ( b ) failure to maintain reasonable procedures for maximum accuracy FCRA 1681i ( a ) failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) failure of furnishers to conduct a meaningful investigation Improper duplicate reporting of the same obligation I am requesting : Immediate deletion of all inaccurately reported tradelines Written confirmation of deletion Monetary compensation for damages caused by continued inaccurate reporting I reserve all rights to pursue civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MI

Complaint narrative:
An open account on my credit report is being reported with a late payment that is inaccurate. This information does not reflect my true payment history. I disputed this error, but the credit bureau has continued to report the late payment without proper correction. This inaccurate reporting is harming my credit profile and does not comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was notified on XX/XX/year>, by XXXX XXXX alert that my address had changed on my Equifax credit report. Only Equifax. I disputed it, provided my XXXX  drivers license, my utility bill, uploaded images online, called Equifax and spoke to a representative, placed a fraud alert on my account, 2 days later Equifax verified the address change was correct. I again disputed the address change, reuploaded my XXXX  drivers license, my mortgage statement, 2 additional pieces of mail, on XX/XX/year>. Requested they changed my address to my current address, in XXXX, for a different reason, that I have never lived at the address that the address that it was changed to in XXXX  XXXX, they again verified the XXXX XXXX address. I do not believe they investigated. Not have they provided any proof of who initiated the address change in the first place. In addition to my address change, my employment history is also incorrect. I spoke to a person to correct all of this. I am a previous victim of identity theft, my SSN was stolen for a false tax return to the IRS. I am now planning on submitting a dispute a 3rd time, but with paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I am submitting this complaint regarding serious concerns about the handling of my loan payments by my loan servicer. I believe my payments have been misapplied, and I may have been placed into deferment or forbearance without my knowledge or consent.

I have been actively repaying this loan for over XXXX years. According to my payment history, I have paid over {$20000.00} in total toward this loan. However, my current principal balance remains approximately {$15000.00}, which does not align with the amounts I have paid. 

Additionally, my loan records contain conflicting information. In some statements and summaries, it indicates that I have paid over {$8000.00} toward the principal, while other records show over {$12000.00} applied to principal. Despite these reported principal payments, the principal balance has not decreased in a way that reflects these amounts. 

This discrepancy raises serious concerns that : My payments may not have been properly applied to principal and interest Payments may have been diverted to fees or interest inconsistently I may have been placed into deferment or forbearance without my knowledge or authorization The loan may have been improperly serviced in a way that prevented my balance from decreasing despite long-term repayment Given the length of repayment and the total amount paid, I believe this conduct may be predatory and may violate consumer protection standards. I have attempted to understand my payment history through the servicers records, but the information provided is inconsistent and unclear. 

I am requesting that the CFPB : investigate the application of my payments, determine whether I was placed into deferment or forbearance without consent, require the servicer to provide a full, accurate accounting of my loan history, ensure that any misapplied payments are correctly credited, and provide appropriate relief if servicing errors or violations are found. 

Thank you for your assistance in reviewing this matter. I am seeking transparency, accountability, and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management sent a collection letter dated XX/XX/year>. Had to pay them by XX/XX/year>. Received garnishment letter on XX/XX/year> from XXXX XXXX XXXX in XXXX, Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CO

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 XXXXXXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Reporting un authorized information on my credit report and will not furnish contact or signature of consent a bankruptcy

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Dear This letter is being sent to you in response to : XXXX  XXXX ( XXXX ) - Notice sent to me on XXXX - Response to a listing on my Credit Report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX  or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal ounsel for suit. This includes any listing of any information to a credit reporting repository that coul e inaccurate or invalidatec It your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I submitted XXXX disputes to TD Bank on XXXX XXXX for charges made on XX/XX/year> but did not complete until XXXX XXXX. XXXX charge for the amount of {$150.00} and the other for {$15.00}. A couple weeks later I was sent a letter in the mail from TD Bank asking that I submit proof that I tried to resolve the matter on my own with the companies directly. I submitted my proof on XX/XX/year> at XXXXXXXX XXXX via fax. A couple days ago the credit that was issued for the disputes was reversed putting me into the negative because TD bank states that I never submitted the requested proof. Which is completely FALSE and I have attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding an improper and unauthorized account adjustment made by JPMorgan Chase related to XXXX refunds. 

In XXXX, I made several XXXX reservations using my Chase credit card. I later canceled some of these reservations, and XXXX processed the refunds correctly. The refunded amounts were credited back to my Chase account without issue, and the matter appeared resolved. 

However, on XX/XX/year> a Chase customer service representative manually adjusted my account and reversed the previously issued XXXX credits. This adjustment was not requested or authorized by me and resulted in approximately {$3000.00} in charges being added back to my account. 

These charges were not new purchases, not merchant rebills, and not related to fraud. They were refunds that had already been properly processed and credited in XXXX. Chase did not provide advance notice, documentation, or a valid explanation for how those XXXX refunds were reversed. 

This issue has now persisted for over 30 days, despite my efforts to resolve it directly with Chase. The prolonged delay and lack of resolution have caused ongoing financial stress and an inaccurate account balance. 

This complaint is separate from a prior CFPB complaint I filed, which involved a disputes. This issue concerns an internal Chase account adjustment error involving the reversal of valid merchant refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One incorrectly blocked my credit card for alleged fraud, leaving my family and me without a valid means of payment, despite the fact that all verification steps were successfully completed. 
During the call, Capital One required extensive identity verification, including answering multiple security questions, confirming recent transactions, providing Social Security information, and logging into the Capital One mobile app to validate my identity, which I did successfully. All transactions were confirmed as legitimate and authorized. 
Additionally, the call was placed from the mobile phone number associated with my Capital One account, further confirming my identity. 
Despite completing all required verification, Capital One failed to restore access to the card. I clearly explained that we are currently on vacation in Florida, traveling with children, and that being left without a payment method created a serious financial and logistical hardship. I explicitly requested an immediate solution or escalation due to the urgency of the situation. 
I asked to speak with a supervisor and was transferred to another call center agent. That agent was unable to provide any solution, placed me on hold for several minutes, and ultimately disconnected the call without resolving the issue and without any follow-up call. 
As a direct result of Capital Ones internal failure, we were left without a functioning payment method while traveling, causing financial harm, service disruption, stress, and significant inconvenience, through no fault of our own. 
I am requesting a full executive review of this incident, written confirmation that the fraud block was erroneous, appropriate compensation for the harm caused, and assurance that this situation will not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : FORMAL DISPUTE & DEMAND FOR REMOVAL OF ALL LATE PAYMENTS This letter constitutes a FORMAL LEGAL DISPUTE under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), Regulation Z, and the Uniform Commercial Code. 

I am disputing the accuracy, completeness, and legal verifiability of ALL late payments XXXX  is reporting on the following accounts : Accounts in Dispute ( XXXX  Reporting ) : XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX ( {$400.00} limit ) XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX ( {$200.00} limit ) Basis of Dispute Accounts are reported as OPEN and CURRENT, some showing {$0.00} past due Late payments are still being reported, which is materially misleading TransUnions reporting does not match Equifax or XXXX  Information that is not reported consistently can not be accurate This constitutes violations of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). 

PROHIBITION OF e-OSCAR You are EXPRESSLY PROHIBITED from verifying this dispute through e-OSCAR or any automated system. 
A lawful investigation requires manual review of original account-level documentation. Any reliance on e-OSCAR will be treated as willful non-compliance. 

FORMAL DEMAND I am UNEQUIVOCALLY REQUESTING THE REMOVAL OF ALL LATE PAYMENTS associated with the above accounts. 

No partial deletions No status updates No re-aging DELETION IS THE ONLY ACCEPTABLE REMEDY. 

Failure to comply will result in CFPB, FTC, and Attorney General complaints and pursuit of damages under FCRA 616 & 617. 

You have 30 days from receipt to comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I had a XXXX  XXXX credit card since atleast XXXX and sometime in XXXX I fell in hardship, and stopped paying. The limit was XXXX, and eventually it was sold to collections, and they reopened it on there own in XXXX, which is wrong. Also there sueing me for XXXX, and I did not owe that much, they changed the amount, also I'm being garnished now by someone else and Im struggling now supporting my woman that don't have a job or any help. And there next in line to garnish me next when I'm done paying off another dept. But it's was too old and the amount is incorrect. Please help me out. I'm hurting. The harassed me with calls and bullied me with court and I am dumb founded when it comes to this stuff.

Company response to consumer: Closed with explanation