vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: IL

Complaint narrative:
My issue with XXXX XXXX began in XX/XX/XXXX, when I rented XXXX XXXX and paid {$52.00} for XXXX. Anticipating that I might continue using the unit, I paid {$72.00} in advance for XX/XX/XXXX, before the month even began. Before XXXX arrived, my plans changed. I vacated the unit, followed the cancellation process, and was advised by a XXXX XXXX representative that I would receive a refund for the prepaid XXXX balance. After weeks of attempting to obtain the refund without response, I filed a credit card chargeback, which my bank approved based on the documentation I submitted. 

Although XXXX XXXX had received payment and refunded nothing, the company later attempted to claim that I had never paid the {$72.00} at all, even after I provided them with receipt evidence. I also made a two-hour round-trip in person to the facility solely to show staff the payment proof face-to-face. Despite this, XXXX XXXX refused to correct their error and instead initiated collection activity against me for a debt that never existed. 

In XXXX, after disputing the issue, a representative from XXXX XXXX called me directly and stated that they would remove the account from collections, but only if I deleted the negative XXXX review I had posted about my experience. I agreed to remove the review only after the collections entry was removed, and made it clear that I would not delete a truthful public complaint until they upheld their word. They never followed through. No removal occurred, and the issue was left unresolved. 

Now, in XX/XX/XXXX, I have discovered not only that the account was never removed from collections as promised, but that the alleged balance has now been escalated without basis from {$72.00} to {$720.00}, despite the fact that the original amount was already invalid. There is no legal or factual justification for this increase. At no point have I ever owed XXXX XXXX any outstanding balance. 

This situation has resulted in false credit reporting, breach of verbal agreement, and continued harm from an illegitimate debt. XXXX XXXX has ignored evidence, failed to resolve prior disputes, and allowed the issue to worsen despite acknowledging it would be corrected. I am not requesting negotiation. I am requesting accountability and correction. 

I am seeking the following resolution : - Immediate written confirmation that XXXX XXXX considers this account closed with a {$0.00} balance - Retraction of the collection claim and deletion of the account from all credit reporting agencies - Written confirmation that the matter has been fully corrected and resolved I have supporting documentation available including payment receipts, chargeback confirmation, prior dispute records, and communication history. I will not accept payment requests, settlement proposals, or phone calls. All responses must be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Subject : Complaint Against Portfolio Recovery Associates , LLC Dear CFPB Representative, I am submitting this complaint regarding unlawful and harassing debt collection practices by Portfolio Recovery Associates , LLC.

This company has contacted me by phone regarding a debt that is approximately seven ( 7 ) years old and has been resold multiple times. I have not received any written notice or validation of this debt, despite my clear request that they provide documentation as required under the Fair Debt Collection Practices Act ( FDCPA ).

Portfolio Recovery continues to contact me by phone, even though I have informed them that the alleged debt is time-barred and that I do not acknowledge or owe this amount. Their actions appear to violate sections of the FDCPA, specifically : - Continuing collection efforts without providing validation ( 1692g ) - Making repeated phone contact after a request for written communication only ( 1692c ) - Attempting to collect on a time-barred debt, which may also violate the Fair Credit Reporting Act ( FCRA ) I respectfully request that the CFPB investigate this matter and ensure that Portfolio Recovery Associates ceases all unlawful collection activities, removes any negative credit reporting related to this account, and confirms compliance with applicable federal laws. 

Attached are copies of my written request for debt validation and any related communication records. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I am the XXXX Trustee of XXXX XXXX XXXX XXXX, the trust entered into contract for 3 properties to acquire from XXXX XXXX XXXX XXXX XXXX XXXX of the 3 contracts have been executed. XXXX XXXX money payments were sent in to the branch to convert the instrument into a wire to settle the XXXX money due to XXXX XXXX XXXX XXXX XXXX. The bank claimed they did not know how to process and initially gave me their customer service number and I called and they verified on 4 different occasions that they do process them and how. The last call was recorded on my end as well. I called the bank ( XXXX XXXX ) to ask for an email to send the recording for their information to process the payment to settle the debt. The assistant manager was rude and yelling at me. I never asked for any information. Just wanted an email to send. She then told me they don't accept XXXX 's and I said that is strange because that is not what corporate said. I asked if the instruments were unmarred and to return them. She then said I am not returning nothing. Then she realized the call was being recorded and then said we do not have them. I said I have proof that you have them. She yelled some more and said I don't have to talk to you, I said you have my property and I have the right to request the return or any information on it. She said I'm calling XXXX XXXX and hung up in my face.

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 2025-11-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint because multiple LVNV Funding LLC accounts are being reported on my credit report that I have no knowledge of. The details are as follows : LVNV FUNDING LLC Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$190.00} LVNV FUNDING LLC Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} LVNV FUNDING Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$190.00} LVNV FUNDING Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} These accounts appear to be duplicates or inaccurately reported entries. I have never opened, authorized, or been contacted about any debt from LVNV Funding LLC. I believe these are erroneous or fraudulent accounts, and I request that the CFPB investigate this matter and require the furnisher to provide proper validation and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-08 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my XXXX car lease account, which was mistakenly sent to collections and inaccurately reported to credit bureaus. 
My XXXX lease account was active from XXXX through its return in XXXX. Throughout the full XXXX-year lease term, my account remained on autopay and paperless notifications, and no payments were ever missed or late. This demonstrates a consistent history of on-time payments and responsible account management. 
In XXXX, I was contacted by a collections company regarding non-payment of the bill from returning the lease. Prior to this contact, I had no knowledge of any outstanding balance. Upon contacting XXXX for clarification, they confirmed they had been sending paper statements ( See Attached ) regarding the lease return cost to my old address at XXXX XXXX XXXX, XXXX, which I moved from in XXXX. This was neither my current address nor my preferred method of contact, which I had previously set up with XXXX. I have always used email as my primary method of receiving payment notifications and balance updates, and my email address has never changed ( that same email address is also being used to report this ). 
Postal forwarding was only set up for XXXX year upon my move in XXXX, and the companys attempts to reach me by mail extended well beyond that period. I was unaware of the issue until contacted by collections, and I paid the balance in full within approx XXXX weeks of notification. 
This collection reporting is inaccurate, misleading, and inconsistent with my long history of on-time payments, with XXXX and clean credit history. It was clearly the result of a communication error, not a failure to pay or delinquency on my part. Reporting this collection harms my credit record despite my responsible account management. 
I respectfully request that the CFPB investigate this matter and that the erroneous collection entry be removed from my credit report. I am happy to provide supporting documentation, including proof of autopay and statement XXXX sent me when asked for clairifcation that shows it being sent to my old XXXX address. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX 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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a client with Citibank for a long time careens checking saving accounts, as well as credit cards including Macys XXXX XXXX. Citibank approved me for XXXX XXXX  card beck in XXXX, once I approved for the card and received the card it was blocked, called numerous times and send the forms they requested. In a matter of keeping the card blocked for more than 2 months ( despite me making annual fee payments ) Citibank decided to close the credit card of me without any explanation. I want to file an executive complaint regarding this matter. There is XXXX reason to close my card. I need explanations, moreover reimbursement of my all credit cards with Citibank with its original limits. 

Best Regards, XXXX 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 2025-11-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Sunrise, FL XXXX XXXX : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Asunto / Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am filing a formal dispute regarding the account XXXX XXXX XXXX XXXX XXXX reported by TransUnion, Experian, and Equifax under account number XXXX, showing a charge-off status with a balance of {$1600.00}. 

This account is being reported inaccurately and unfairly in violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

Specifically : The reported charge-off status and past due amount are inconsistent across all three credit bureaus. 
The account was closed by the credit grantor, yet it continues to appear with an active charged off balance beyond the date of closure. 

The dates of delinquency and updates differ among agencies, raising concerns about the accuracy and verification of the data furnished.

Under FCRA 1681i ( a ), I request an immediate reinvestigation of this account and verification directly with the data furnisher ( XXXX XXXX XXXX XXXX XXXX  XXXX ). If the information can not be verified within 30 days, it must be deleted from my credit file with all credit bureaus. 

I also request written confirmation of the investigation results and the updated report once corrections are made. 

Sincerely, XXXX 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 2025-11-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Sunrise, FL XXXX XXXX : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Asunto / Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am filing a formal dispute regarding the account XXXX XXXX XXXX XXXX XXXX reported by TransUnion, Experian, and Equifax under account number XXXX, showing a charge-off status with a balance of {$1600.00}. 

This account is being reported inaccurately and unfairly in violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

Specifically : The reported charge-off status and past due amount are inconsistent across all three credit bureaus. 
The account was closed by the credit grantor, yet it continues to appear with an active charged off balance beyond the date of closure. 

The dates of delinquency and updates differ among agencies, raising concerns about the accuracy and verification of the data furnished.

Under FCRA 1681i ( a ), I request an immediate reinvestigation of this account and verification directly with the data furnisher ( XXXX XXXX XXXX XXXX XXXX  XXXX ). If the information can not be verified within 30 days, it must be deleted from my credit file with all credit bureaus. 

I also request written confirmation of the investigation results and the updated report once corrections are made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
I am submitting this complaint against the following financial institutions for reporting and maintaining inaccurate information and for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These accounts and inquiries have caused serious harm to my credit reputation, emotional distress, and denial of financial opportunities. I am requesting immediate investigation and enforcement action by the CFPB to ensure these entities comply with the federal laws that govern accuracy and permissible use of consumer credit data. 

XXXXXX/XX/XXXXXXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Late Payment This account reflects inaccurate late payments. No valid documentation or notice was provided. Continued reporting violates FCRA 611 and 623 ( a ) ( 3 ). Delete or correct immediately. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No permissible purpose under FCRA 604 ( a ). Remove immediately. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry with no consent. Violates FCRA 604. Must be deleted. 

XX/XX/XXXXXX/XX/XXXX No consent or application made. Accessing my file without authorization violates FCRA 604 and 616. Delete. 

XX/XX/XXXXXX/XX/XXXX Unauthorized inquiry. No valid reason under FCRA 604. Must be removed. 

XXXX XXXX XXXX XX/XX/XXXX XXXX made without my authorization. Violates FCRA 604 and 607 ( a ). Delete. 

XX/XX/XXXXXX/XX/XXXX Unauthorized access with no permissible purpose. Violates FCRA 604. Remove immediately. 

These actions represent clear noncompliance with federal credit reporting and privacy laws. I am requesting the CFPB to take immediate action to investigate these violations, ensure correction or deletion of the disputed data, and hold these companies accountable under federal consumer protection laws. My request includes full removal of inaccurate data, unauthorized inquiries, and confirmation of compliance through documentation. The persistence of these violations has caused harm to my creditworthiness and undermines the integrity of the credit reporting system. I demand accountability and transparency as guaranteed by federal 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 2025-11-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Called XXXX XXXX XXXX  on XX/XX/XXXX to inquire on an ABS pump they had listed on car-part.com. Gave them my vin number which was on the invoice and told XXXX I specifically need XXXX part number which he said would be confirmed prior to any charges or shipping. This was not done. I was charged XXXX plus an XXXX convenience fee for a total of XXXX on my USAA credit card. USAA has buyer protection so I filed a dispute after sending the item back to the vendor since I should've never been charged as that was the business agreement. XXXX refunded XXXX but USAA is now in breach of contract for not also refunding the XXXX despite me highlighting on the originally submitted documents how XXXX convenience fee adds up to the total that should've never been charged and are rejecting my disputes for the remainder. They are not upholding their promise for buyer protection or giving me a reason why they're rejecting the remaining amount even though employees say it makes no sense. I have wasted hours trying to get a reason why even though the facts and documents prove the full amount should be covered.

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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Hello, Im writing to report a fraud incident involving my Cash App account, XXXX XXXX and bank. I was scammed into depositing a fake check and then sending the funds through Cash App. Here are the details : Date of incident : [ XX/XX/year> ] Amount:2 checks of {$500.00} Transaction type : Sent to another Cash App user and converted to Bitcoin Description of what happened : I was told to mobile deposit a check into my bank account and then send the funds back through Cash App to set up a transfer record. I later found out that the check was fake, and my bank has confirmed that it will not clear. The money I sent through Cash App came directly from my account before I knew it was a scam. Same thing happened with XXXX XXXX. 

Ive already reported this to my bank and filed a fraud report, but they said they can not reverse the transaction. Im requesting Cash Apps and XXXX  XXXX  help in investigating this fraudulent activity and recovering the funds if possible. 

Please let me know if you need additional documentation I can provide screenshots, receipts, or messages from the scammer. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Cease and desist from these people calling and harassing me to pay a debt i do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation