vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. Sincerely, XXXX XXXX

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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am formally disputing the reported collection account in the amount of {$9600.00}, placed on my credit file on XX/XX/year>, as originating from your organization. I have never authorized, applied for, or conducted any business with your company, and therefore this account does not belong to me. 

By furnishing this false information without my authorization, you are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), which requires all reported information to be accurate, complete, and verifiable. Continued reporting of inaccurate information after this dispute constitutes willful noncompliance under 15 U.S.C. 1681n, creating liability for actual, statutory, and punitive damages, as well as attorneys fees.

Further, you are in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading representations in connection with a debt. Under 15 U.S.C. 1692g ( b ), you are required to provide full validation of this debt within 30 days of receipt of this notice. Failure to validate requires you to immediately cease collection activity and remove this entry.

Additionally, the reporting of this account fails to comply with XXXX XXXX standards, which mandate proper coding, ownership validation, and verified accuracy before furnishing data to any consumer reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I sent them letters of all errors that had to be corrected or looked at ask for debt validation also sent letters to all three credit bureaus nobody responded back only get letters that I owe the money I want to talk about me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: IN

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding my student loan provider and the DOGE Department of Government Efficiencys alleged breach of student loan contracts and potential violations of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. According to an article published by The XXXX XXXX on XX/XX/year>, my student loan information may have been improperly accessed, shared, or otherwise mishandled without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
XXXX  Data Breach Victim ( XXXX XXXX. XXXX ) LEGAL NOTICE OF IMPROPER BANKRUPTCY REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION ( SSN/DOB ) I am writing to notify that I, XXXX XXXX, am a victim of XXXX  Data Breach and my SSN has been impacted. There is an unlawfully reporting a bankruptcy on my credit file without the inclusion of my legally required identification information, my Social Security Number ( SSN ) and Date of Birth ( DOB ). The incomplete reporting of this bankruptcy compromises the accuracy of my credit file and also exposes liability under federal and Georgia law. I have contacted the Bankruptcy Court and have been advised that the court does not interact with consumer reporting agencies regarding identification data. 

The bankruptcy record reported by your agency is not legally anchored to my identity as required. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are obligated to ensure that all information in consumer reports is accurate and complete. It is well established that a consumer report must include all legally relevant identifying details to avoid misidentification and resultant harm. 

The frivolous bankrupcty is : XXXX. XXXX  XXXX XXXX/ Reference # XXXX Bal $ XXXX Filed XX/XX/year> 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 collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
Receivables Management Systems ( RMS ) is reporting a collection account for XXXX XXXX XXXX on my credit report. This account previously was deleted, then reinserted without notice. Additionally, the account number is missing from my XXXX  report, which makes the entry incomplete and unverifiable under FCRA. I have requested validation and received none. I am requesting the CFPB require deletion of this unverifiable and improperly reinserted account

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Subject : Dispute of Credit Report Entry & Violation of Privacy Rights under 15 U.S.C. 6802 and the FCRA Dear [ Name or To Whom It May Concern ], I am writing to formally dispute an inaccurate and unauthorized entry on my credit report and to raise a concern about a potential violation of my privacy rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Details of the Disputed Entry : Creditor/Company Name : XXXX  Account Number : Date Reported : XX/XX/year>XXXX  Credit Bureau ( s ) : [ Equifax / TransUnion XXXX Experian specify all that apply ] Basis for Dispute : I dispute the accuracy and validity of this entry. I request that you provide : 1. Proof of the debt or obligation being reported.

2. A copy of the original contract or agreement bearing my signature ( if one exists ).

3. Documentation that supports your legal right to report this information, especially in light of privacy obligations under 15 U.S.C. 6802, which prohibits the sharing of nonpublic personal information with nonaffiliated third parties without providing the consumer with clear notice and an opportunity to opt out. 



To date, I have not received proper notice, nor did I consent to any such disclosure of my personal financial information. If my nonpublic personal data was shared or reported without compliance with 15 U.S.C. 6802, such reporting may be unauthorized and must be immediately removed. 



Under the FCRA, I am entitled to : A prompt and reasonable investigation of this dispute. 

Written notice of the results of the investigation. 

Deletion or correction of any information that can not be verified. 



Requested Actions : Immediately investigate and remove the disputed entry if it can not be verified within 30 days. 

Provide written confirmation of your findings and actions. 

Confirm compliance with 15 U.S.C. 6802 concerning the sharing and use of my personal data.

This letter serves as my formal dispute under the FCRA and my notification of potential privacy violations under the GLBA. If this matter is not resolved promptly, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly pursue further action. 



Please respond in writing within 30 days, as required 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Subject : Dispute of Credit Report Entry & Violation of Privacy Rights under 15 U.S.C. 6802 and the FCRA Dear [ Name or To Whom It May Concern ], I am writing to formally dispute an inaccurate and unauthorized entry on my credit report and to raise a concern about a potential violation of my privacy rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Details of the Disputed Entry : Creditor/Company Name : XXXX  Account Number : Date Reported : XX/XX/year>XXXX  Credit Bureau ( s ) : [ Equifax / TransUnion XXXX Experian specify all that apply ] Basis for Dispute : I dispute the accuracy and validity of this entry. I request that you provide : 1. Proof of the debt or obligation being reported.

2. A copy of the original contract or agreement bearing my signature ( if one exists ).

3. Documentation that supports your legal right to report this information, especially in light of privacy obligations under 15 U.S.C. 6802, which prohibits the sharing of nonpublic personal information with nonaffiliated third parties without providing the consumer with clear notice and an opportunity to opt out. 



To date, I have not received proper notice, nor did I consent to any such disclosure of my personal financial information. If my nonpublic personal data was shared or reported without compliance with 15 U.S.C. 6802, such reporting may be unauthorized and must be immediately removed. 



Under the FCRA, I am entitled to : A prompt and reasonable investigation of this dispute. 

Written notice of the results of the investigation. 

Deletion or correction of any information that can not be verified. 



Requested Actions : Immediately investigate and remove the disputed entry if it can not be verified within 30 days. 

Provide written confirmation of your findings and actions. 

Confirm compliance with 15 U.S.C. 6802 concerning the sharing and use of my personal data.

This letter serves as my formal dispute under the FCRA and my notification of potential privacy violations under the GLBA. If this matter is not resolved promptly, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly pursue further action. 



Please respond in writing within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lloyd & McDaniel, PLC
State: NV

Complaint narrative:
In XXXX of XXXX, I need a {$50.00} withdrawal from my bank account from Lloyd & McDaniel. When attempting to research the company, I was advised they had purchased my debt from XXXX XXXX XXXX. I advised my last known debt collector from the company was with XXXX XXXX XXXX who I was paying monthly until they placed my account on auto pay without my consent. Lloyd & McDaniel advised they are now my debt collector. I requested their debt collector license number and they then advised my they are the attorney for the debt collector. I requested the amount I have paid on this debt since it was originally from XXXX to XXXX who was representing XXXX XXXX and I had paid monthly since this time. They advised I have paid over {$9600.00} and still owe {$14000.00} due to their interest. I asked how interest was being charged on a judgement and they informed me they will continue to charge interest until paid in full. I asked how will I ever pay the dept off in this case and I was advised to increase my payments. I advised this appears to be predatory lending since I do not have the collateral and I have paid a more than sufficient amount. I advised I would stop pay until I received supporting documentation. I never received any documentation. However, there was a legal hold placed on my bank account and my minor daughter bank account in XXXX of XXXX without any notification of this adverse action. When I called for information regarding the documentation I never received I was not given any information to assist me with this matter. I filed an Objection to Garnishment as I feel I have more than satisfied my obligation to my original debt which was XXXX XXXX ( not XXXX, XXXX XXXX XXXX and/or Lloyd & McDaniel XXXX XXXX During the hearing I did not have all my bank statements from years over so there judge released us to a breakout room. Their legal representative advised me they would take my funds currently held and they will no longer pursue this debt. I advised a small portion is on my minor daughter account and was advised they would take that as well. To date ( XX/XX/XXXX ), my bank still has my funds on hold and I have not heard from any of these alleged collection agencies/attorneys.

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: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank Inc. 

before : XXXX and now again two more time this week. 
block the credit card 3 time in 30 days from normal use with no fraud actually. 
and never had this kind of problem with CC company before there behavior is absurd. 

and quite illegal, I pay in full every month, no fraud, but the wasted hours my time the phone for NO good reason and I do not have the time to discuss with Citibank when there is no problem in fact. 

unbelievable and if you do not fix ; I sue for Busniess fraud by Citibank. easy.

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 collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am requesting that a wet signature be provided and original contract. As required by the FCRA CREDIT laws they are required to verify the accuracy of these accounts of these accounts within 30 days. If accounts can not verified they must be deleted from credit report. I request written confirmation once investigation has been complete

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments ; In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account has violated my rights, Hard Inquiries : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payments and Charged Off : XXXX XXXX XXXX Account : XXXX - Charge Off XXXX  XXXX - Account : XXXX XXXX Account closed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX - Account : XXXX - XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account : XXXX - XXXX 15 U.S.C 1681 section 602A . States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Thank you for your consideration, and I hope youll approve my request.

Best,

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXXXXXX  TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Fraudulent Account Dispute / Request for Expedited Removal Dear TransUnion, I am writing to dispute fraudulent information that has appeared on my credit report, which I believe is a result of the TransUnion data breach. I am a victim of identity theft and request that all fraudulent accounts, inquiries, and negative information associated with this breach be removed from my credit file immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information, and TransUnion is obligated to investigate and remove any information it can not verify. Because these accounts are the result of a security breach in your systems, I am requesting expedited handling and resolution within 4 calendar days.

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 with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> we agreed to pay {$10000.00} USD to a travel agency in XXXX XXXX using a Citibank XXXX  credit card. The travel agency converted the USD amount to the local currency ( XXXX ) and calculated that amount to be XXXX XXXX which was an accurate conversion based on all currency conversion indexes. When Citibank XXXX  posted the charge to our account, the amount came to USD XXXX ( a difference of {$700.00} ). This USD amount was 8.5 % higher than the accurate conversion. We called Citibank multiple times and spoke to multiple people to try and understand why the conversion was not accurate or even close. We were handed off to different people in different departments from different call centers and were eventually told that XXXX and not Citibank calculated the incorrect conversion rate. After multiple attempts, we were eventually given the phone number to XXXX XXXX. The person at XXXX then explained to us that Citibank actually establishes the conversion rate and not XXXX XXXX. Regardless of which company was at fault, the Truth in Lending Act clearly spells out transparency with costs and charges related to credit card transactions. The Citibank credit card agreement offers a vague explanation and states : " A XXXX XXXX converts the amount of a Purchase in a foreign currency into XXXX dollars. Each XXXX XXXX follows its own procedures for conversion ''. That is not Truth in Lending and consumers do not even know what the " XXXX XXXX '' even means. Without proper disclosure of fees, the consumer can not make the decision to use or not use a credit card for a foreign transaction. Either Citibank or XXXX needs to be held accountable for the lack of transparency. If this policy is allowed to exist, companies are given the green light to charge any rate without the consumer knowing the consequences.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Relay Financial (US), Corp.
State: IN

Complaint narrative:
I have been having issues with accessing the money in my account since XX/XX/XXXX. They froze a wire transfer, it took six days for it to get sent back. Once the wire transfer was back into my account the account was frozen. And now I can not access the money inside of my account. I have reached out to their customer service and they tell me all they can do is contact Compliance. Compliance will not Call or email or message anybody back. They will not provide me with a number to reach Compliance myself. My account remains frozen in my money untouchable.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The Experian report under key factors is reporting An Error stating that there are late and serious delinquency which is not true this needs to be fixed due to there is not one account in the report that is delinquent me and the representatives have looked over the entire credit report and found no accounts reporting delinquent or missed or past 60 days so this is An Error in the system or soft where in the Experian system and needs to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation