vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: MA

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This dispute concerns the inaccurate reporting of accounts that do not belong to me. I never opened, authorized, or approved these accounts, and I was not notified when they were added to my credit file. To make matters worse, each bureau is reporting different and conflicting information. This is a violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain the highest level of accuracy.

It is also a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers have access to complete and accurate disclosures.

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 2025-09-24 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: PA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
I am writing to formally demand the immediate removal of an invalid collection account from my credit file. This account does not belong to me, and I have no knowledge of or responsibility for the alleged debt. The continued reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
I am disputing the way JUSTICE FINANCE is reporting Account # XXXX on my credit report. The account is listed as Included in Bankruptcy, but the reporting is misleading and incomplete under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). 

Details : My bankruptcy was filed on XX/XX/2025 and discharged on XX/XX/2025. 

Despite the discharge, the tradeline continues to reflect negative information that is either outdated, incomplete, or misleading. 

Information furnished to the credit bureaus must be accurate and not give a false impression of my current obligations. Reporting an account only as Included in Bankruptcy without fully updating dates, removing obsolete information, or ensuring completeness creates an inaccurate credit picture.

What Ive Done : I previously disputed this account directly with the credit reporting agencies and/or the furnisher. The issue was not resolved. 

What I Request : That this account be removed from my credit report across all bureaus, or at minimum corrected so it no longer appears in a misleading or incomplete manner. I request written confirmation that the tradeline has been corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am submitting a complaint regarding Chase Banks failure to return my funds following the closure of my accounts.

Accounts Involved : Ending in XXXX and XXXX Restriction Date : XX/XX/year> Closure Date : XX/XX/year> Funds Withheld : {$4400.00} ( acct. ending in XXXX ) and {$1000.00} ( acct. ending in XXXX ) Chase informed me that my accounts were restricted on XX/XX/year>, and later closed on XX/XX/year>, citing the Deposit Account Agreement ( DAA ). At that time, they placed my remaining funds on hold pending investigation.

As of today nearly one year later I have received no updates regarding the status of this investigation or any timeline for the release of my funds. My repeated attempts to contact Chase customer service, fraud department, and other departments have not resolved the issue or provided clarity.

This prolonged withholding of my money without communication or resolution is unacceptable and has caused me financial stress and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANCO POPULAR DE PUERTO RICO
State: CO

Complaint narrative:
In XX/XX/year>, Popular Direct advertised a promotional interest rate of 4.5 % APY fixed for 6 months on their Select Savings product. I took a screen capture of the statement on the Popular Direct website ( image attached and text copied below ). This statement was the reason I decided to open a new account with Popular Direct : " Our new Popular Direct Select Savings with the guaranteed promotional rate gives you a fixed rate for a 6-month period. After your Promotional Period has ended, the rate of your Popular Direct Select Savings account will be the current variable rate at that time, excluding any promotional rates then being offered. '' Months later, I noticed that the APY was decreasing even though I had only made deposits and no withdrawals. When I contacted Popular Direct on XX/XX/year>, they simply responded that this product has a variable rate. Popular Direct never acknowledged that they falsely advertised a 6-month fixed rate, and Popular Direct did not respond to my request for retroactive interest payment to make up the difference between what was promised and what was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I discovered that there were two XXXX accounts impersonating me, using my name and likeness. After reporting them through the official XXXX app and seeing no action taken, I became concerned. I decided to search online for an XXXX customer support number and came across a phone number that was listed as XXXX support line. 
I attempted to call the number, but the call didnt go through. Shortly afterward, I received a call back from the same number. The person on the line identified themselves as an XXXX support representative. They informed me that someone posing as me had access to all of my sensitive personal information including my bank account, phone number, and email address and was allegedly attempting to purchase cryptocurrency using my identity. 
I was alarmed by this information and genuinely believed I was speaking to XXXX support. The individual instructed me to download an application called XXXX, which allows screen sharing. I was told this was necessary to verify my identity and remove the impersonator accounts. I followed their instructions, shared the access code with them, and they gained access to my screen. 
The individual then directed me to download the XXXX XXXX and guided me step-by-step to set up an account. They claimed this was needed because the alleged hacker was using XXXX to buy crypto under my name, and I needed to create the account to verify my identity and prevent the fraudulent activity. 
I expressed concern multiple times, but the person reassured me that this was a standard process used for identity verification in cases of impersonation. They specifically told me that any funds transferred would be immediately reversed, and that no actual money would leave my account. 
Under this false pretense, I unknowingly completed two transactions : {$490.00} {$240.00} After the transfers, the individual told me to log out of my XXXX account, turn off my phone for five minutes, and wait for a follow-up call. I never received that call. When I called the number back, a different person answered and began instructing me to go to a local store and purchase gift cards which is when I realized I had been scammed. 
I immediately hung up and contacted my bank ( Wells Fargo ) to report the fraudulent transaction and requested assistance in recovering the funds.

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 2025-09-25 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: TX

Complaint narrative:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I opened an Apple account on XX/XX/year> to purchase the XXXX XXXX XXXX XXXX. I cancelled my order to pick up at the closest store near me, and now they marked my account as fraudulent. When I called, the lady stated Give it 10 to 15 minutes. I'll be able to use my card again. Then, when I tried, it was still marking my account as fraud, and I won't be able to use my card for 5 to 7 business days. No explanation whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
I am filing this dispute because fraudulent and inaccurate accounts are being reported on my credit file. I never opened or authorized these accounts, and I was never informed of their addition. The fact that the bureaus are reporting conflicting details makes this even more concerning. This violates the FCRA, 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy of reported information.

This situation also violates 15 U.S.C. 1681i, which requires that disputed accounts be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires accurate and complete disclosures to the consumer.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this dispute because fraudulent and inaccurate accounts are being reported on my credit file. I never opened or authorized these accounts, and I was never informed of their addition. The fact that the bureaus are reporting conflicting details makes this even more concerning. This violates the FCRA, 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy of reported information.

This situation also violates 15 U.S.C. 1681i, which requires that disputed accounts be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires accurate and complete disclosures to the consumer.

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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is now my third complaint against Portfolio Recovery Associates ( PRA ) concerning their continued furnishing of an alleged XXXX XXXXXXXX debt to XXXX and other bureaus without providing full, legally required debt validation documentation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Despite multiple formal disputes and prior CFPB complaints, PRA has failed to produce basic validation, including the bill of sale, purchase agreement, chain of title, or original signed contract. What has been provided so far is a generic response that fails to meet the standard of proper validation under federal law.

Violations : FDCPA 15 U.S.C. 1692g ( b ) : PRA has not provided competent evidence to validate the debt. 

No detailed accounting of the debt, original contract, or transfer documentation. 

FDCPA 15 U.S.C. 1692e ( 8 ) : Reporting unvalidated, disputed debt to the credit bureaus is deceptive and misleading.

PRA continues to furnish this data despite knowing it is contested and unsubstantiated.

FCRA 15 U.S.C. 1681s-2 ( a ) & ( b ) : As a furnisher, PRA is obligated to report only verified and accurate information.

PRA has failed to respond reasonably to disputes under 1681s-2 ( b ).

FCRA 15 U.S.C. 1681e ( b ) : Credit reporting must be based on maximum possible accuracy, which PRA has not ensured. 

Whats Still Missing : No bill of sale or purchase agreement No forward flow agreement No original contract showing I agreed to the debt No chain of title No detailed, itemized breakdown of charges No actual proof of ownership or assignment of the alleged debt Continued Harm : Despite disputing this account directly with PRA and via the CFPB, the collection continues to appear on my XXXX credit report and possibly others. These false entries are damaging my creditworthiness, impeding my ability to obtain housing, auto financing, and other essentials. 

This is especially concerning given that no meaningful dispute investigation appears to have taken place a basic violation of FCRA 1681i.

Relevant Case Law : Clark v. Capital Credit Servs., 460 F.3d 1162 ( 9th Cir. XXXX ) Failure to validate violates 1692g.

Tourgeman v. Collins Fin. Servs., 755 F.3d 1109 ( 9th Cir. XXXX ) Unsubstantiated debt harms credit and violates the FDCPA.

Daugherty v. Convergent Outsourcing, 836 F.3d 507 ( 5th Cir. XXXX ) Credit reporting qualifies as collection activity and is governed by FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
My information has been exposed to the Equifax data breach. There has been several debt collectors contacting me and harassing me. FCRA 605B states that this information should be BLOCKED while the FTC investigates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OK

Complaint narrative:
On XX/XX/year>, XXXX XXXX received court notice ( Certificate of Mailing of Affidavit ) regarding a small claims case filed against them in XXXX XXXX. On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX entered judgment in my favor, resolving the alleged {$200.00} rental debt as not owed. The account is reported by Columbia Debt Recovery LLC dba Genesis Despite this ruling, XXXX XXXX XXXX has XXXX to report the debt as valid to credit bureaus, causing a XXXX XXXX decrease of over XXXX points. I have disputed the account with all three credit bureaus and requested validation, correction of records, and cessation of reporting, but the company has not provided this information or corrected the record. 

This collection is inaccurate and legally invalid based on the court judgment. I am requesting that the CFPB require XXXX XXXX XXXX and XXXX XXXX to immediately delete this tradeline and cease all collection or reporting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I am a Texas consumer. Despite a second dispute to the CRAs and direct disputes to furnishers, XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) remain. The CRAs failed to provide a Method of Verification as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( 7 ) and did not block within 4 business days under 1681c-2, even though I provided FTC Identity Theft Report # XXXX and ID. 

The furnishers failed to conduct a reasonable investigation and correct reporting under 15 U.S.C. 1681s-2 ( b ) and 12 C.F.R. 1022.43 ( direct dispute rule ). I request CFPB intervention for deletion/blocking, correction of reports sent to CRAs, and confirmation in writing. 

Attachments : disputes, CMRRR proofs, CRA responses ( or lack ), FTC report # 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