vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA. XXXX # XXXX ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  [ Date : XX/XX/2025 ] * * * * Name of Credit Bureau - XXXXXXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information - Portfolio Recovery Associates Account * * Dear [ Name of Credit Bureau ], I am writing to formally dispute the following inaccurate, incomplete, and/or unverifiable information on my credit report regarding an account listed by Portfolio Recovery Associates ( PRA ) : Portfolio Recovery Associates Account number XXXX I am disputing this information for the following reason ( s ) : XXXX XXXX XXXX Debt Not Valid/Unverifiable : XXXX XXXX  I am requesting Portfolio Recovery Associates provide complete validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). They have not provided sufficient proof that I owe this debt.

I request that you thoroughly investigate this disputed information and provide me with the results of your investigation, including any documentation you used to verify the accuracy of this information, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

If Portfolio Recovery Associates can not provide sufficient and verifiable documentation to prove the accuracy and validity of this debt, I demand that it be permanently removed from my credit report immediately.

Please send the results of your investigation to my address listed above within the time frame legally required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-02 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Am I wasting my time? I had no choice but Close my old Wells Fargo accounts 3 months Ago. Too many debt cards as fraud / stolen And hourly dayly never know anything.The Poor Tellers only XXXX Honest. 
Everything else a Bucket full of water with Too many big Holes. Empathy and Trust? 
More like they are the Bank Robbers in own Bank. The end. Losses. Stop. End. And left Closed a about 3-4 months ago. My age XXXX. 
White man. Not Stupid.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have my credit report frozen with experian, I recently needed to schedule a thaw for a set amount of time. The thaw needed to be extened so I attempted to achieve this through XXXX XXXX  website. The result was an error message and no change to the freeze status. I attempted several times with no improvement. There was no customer support available to correct the situation. I called their customer service hotline and was unable to achieve the desired outcome through the automated system. The automated system blocked me from reaching a live support XXXX. I have no way of trusting the status of my security freeze.

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 2025-05-02 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history.

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 2025-05-02 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history.

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 2025-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MA

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit report regarding late payments on my auto loan with XXXX XXXXXXXX and XXXX XXXXXXXX Account Number Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX According to 15 USC 1681s-2 ( a ), furnishers are required to provide accurate and complete information to the credit reporting agencies.

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 2025-05-02 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: MA

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit report regarding late payments on my auto loan with XXXX XXXXXXXX and XXXX XXXXXXXX Account Number Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX According to 15 USC 1681s-2 ( a ), furnishers are required to provide accurate and complete information to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNATHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
Please see the attached police report. I was a victim of identity theft after having my wallet stolen which resulted in improper and unauthorized use of my credit cards. I have disputed this multiple times and submitted the police report showing proof, yet XXXX and XXXX XXXX still refuse to delete this account from my credit report and still hold me liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: DISCOVER BANK
State: FL

Complaint narrative:
Please see the attached police report. I was a victim of identity theft after having my wallet stolen which resulted in improper and unauthorized use of my credit cards. I have disputed this multiple times and submitted the police report showing proof, yet XXXX and XXXX XXXX still refuse to delete this account from my credit report and still hold me liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
Please see the attached police report. I was a victim of identity theft after having my wallet stolen which resulted in improper and unauthorized use of my credit cards. I have disputed this multiple times and submitted the police report showing proof, yet XXXX and XXXX XXXX still refuse to delete this account from my credit report and still hold me liable.

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 2025-05-02 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: CA

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 

My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, California XXXX SSN : XXXX Date of Birth : XX/XX/XXXXXXXX  In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, 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 2025-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
more interest a d no proof of my signature on a agreement to pay.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and validity of any disputed information within 30 days of receiving this notice. If the disputed information is the result of a data breach, the FCRA further requires that it be removed or blocked within 4 business days. If verification is not possible, you are obligated by law to delete the information from my credit file.

I have submitted a sworn affidavit confirming that my credit report contains fraudulent accounts and unauthorized inquiries. In light of this, I urge you to take immediate action to remove or block the disputed items in order to prevent further harm and to ensure full compliance with federal law.

If you fail to verify the disputed information and continue to report it in violation of the FCRA, I will be forced to pursue legal action for actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your reference, I have enclosed a copy of this statute. It authorizes me to bring legal action in an appropriate state or federal court, including small claims court. 

I expect this matter to be resolved promptly and in accordance with your legal responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Manhattan Beach Venture, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a XXXX XXXX to Repayment application ( number XXXX ) concerning my loans from the XXXX  XXXX XXXX. My application was based on the institutions deceptive recruitment practices, including false guarantees of employment with major companies such as XXXX XXXX XXXX that ultimately proved untrue and influenced my decision to enroll. 

Although {$8000.00} of my {$22000.00} federal loan debt was forgiven, XXXX loans connected to the XXXX  XXXX XXXX remain active on my account. This partial relief is inconsistent with the XXXX  XXXX XXXX agreement outlined in XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX. ), where the Department agreed to provide full and automatic loan discharge to borrowers who were defrauded by their schools and covered by the settlement. 

The XXXX failure to fully discharge my loans, despite my eligibility under the terms of the XXXXXXXX XXXX XXXXXXXX settlement, has had significant financial consequences. Most notably, I have been denied multiple mortgage applications due to an elevated debt-to-income ratio caused by the remaining student loan balances. This has prolonged my need to rent housing, despite being otherwise financially qualified for homeownership. 

I am requesting that the Consumer Financial Protection Bureau investigate the XXXX  XXXX XXXX failure to fully implement the agreed-upon discharge in my case and assist in securing the complete relief I am entitled to under federal law and settlement agreements. 

Pertinent Source : XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX. ) Settlement Agreement XXXX XXXX XXXX XXXX  Thank you for your attention to this matter

Company response to consumer: Untimely response
Consumer complaint received 2025-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
We had set up an autopay arrangement for monthly payments of {$800.00}. At the time of the account transition from XXXX to XXXX by FNBO, we were informed that no action was required on our part and that the automatic payments would continue without interruption. We trusted that this transition would be seamless and handled with care. 
However, it has come to our attention that payments were not properly processed in XXXX and XXXX. Despite our understanding that autopay would remain in effect, the funds were not withdrawn for those months. Then, in XXXX, only {$220.00} was withdrawn by XXXX FNBO. We later were told this was due to the extra payments we made on XX/XX/year>, for {$1500.00}, and again on XX/XX/year>, for $ XXXX to pay down our principal more quickly. XXXX had already acknowledged and properly applied these payments toward our balance. But, XXXX FNBO states, " The loan was set up as paid ahead with the next payment due on XX/XX/year>. '' Most concerning of all, we have just discovered that, since the account transition, all of our monthly payments have been applied exclusively to interest, with no reduction in principal. This is completely unacceptable, and it contradicts the purpose of our extra payments as well as the terms under which we were operating previously. We have also observed that since the transition from XXXX to Slice by FNBO, several other customers have reported experiencing similar issues, suggesting that these problems may have emerged following the rebranding.

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NE

Complaint narrative:
On XX/XX/XXXX, I bought money order of {$1900.00} from western union. I sent it to New York in signature letter for my school tuition. After like close to one month, New York post office lost my letter, so I requested refund on western union website. But next day, my principal got the letter. I right away asked to cancel my requesting refund. Since then, I have called like 10 times during 6 months, I couldnt get any email after each time they promised in 24-72 hours, I would get email. This has been going on like 7-8 times, so I asked my principal go to bank to cash out. But bank stopped payment. I called west union again and tried to know who cashed. One dispatcher told me no body cashed and let me request refund again. But the email from west union always told me that it has been cashed. Its not true. They keep my money and I couldnt get my money back. I do want my money back for school. Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation