vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
What happened ( Describe your issue ) : I am disputing a rental debt reported by ProCollect , Inc. ( Account # XXXX / # XXXX ) for XXXX XXXXXXXX XXXX XXXX This item is reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 and 1681i.

The account shows as open and joint even though I am the sole leaseholder and the lease was settled in XXXX. 

The Date of First Delinquency is listed as XX/XX/XXXX, but the account shows as opened XX/XX/XXXX, indicating re-aging of the debt to appear newer than it is. 

The balance of {$750.00} is inaccurate and unverifiable. I have not received any supporting documentation validating the debt or updated balance.

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 2025-10-23 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX or XXXX someone reimbursed them self from their bank end and got my account shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Self Financial Inc.
State: CA

Complaint narrative:
I am submitting a complaint against Self Inc / Lead Bank for reporting inaccurate and unverifiable account information on my credit file. This account has been disputed multiple times with the credit bureaus, yet Self Inc has failed to provide any verification documentation as required by law.

Under FCRA 1681i ( a ) and 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and provide supporting documentation upon request when a consumer files a dispute. Self Inc has not complied with this obligation, and the account remains on my report with a derogatory status and charge-off, despite repeated challenges. 

Additionally, I was a confirmed victim of the Equifax data breach, which exposed my personal identifying information. Given the inconsistencies in reporting and failure to verify, this account may have been fraudulently opened or mishandled a violation of FCRA 1681b ( a ) ( permissible purpose ), and potentially GLBA identity verification guidelines.

I am requesting that Self Inc / Lead Bank immediately remove or block this account from all consumer reporting agencies under FCRA 1681c-2 ( a ), due to unverifiable reporting and potential identity theft exposure.

Supporting documentation is available, and I have screenshots reflecting the inaccurate status, failure to update payment history accurately, and misleading reporting since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the following accounts and inquiries listed on my Equifax credit report. This letter serves as a legal notice pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Uniform Commercial Code ( UCC ). 
Negative Accounts : XXXX. XXXX XXXX XXXX XXXX Account Status : Charge-Off o Balance : {$1200.00} o Violation : FCRA 607 ( b ), 611 ( a ), Metro 2 non-compliance ( Status does not match Payment Rating/Balance ; no documented verification ) XXXXXXXX XXXX XXXX XXXX  o Account XXXXatus : Charge-Off o Balance : {$520.00} o Violation : FCRA 607 ( b ), 611 ( a ) ( 5 ), Metro 2 Format ( Account charged off but inconsistent with XXXX balance rules ; unverifiable debt origin ) XXXX. XXXX XXXX o Late Payments : 30, 60, 90 days o Violation : FCRA 605 ( a ), Metro 2 fields conflict ; outdated derogatory marks ; lack of proper DOFD ( Date of First Delinquency ) XXXX. XXXX / XXXX XXXX o Late Payments : XXXX, 60 days o Violation : FCRA 605 ( a ), Metro 2 profile error ( Late payments reported without verifying open status or DOFD ) Unverifiable Inquiries : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Violation : FCRA 604, 609 ( a ) ( 1 ), inquiries were made without a permissible purpose under law, not connected to any open/positive tradeline. 
Given the Equifax XXXX XXXX XXXX, my data is at risk and can not be assumed accurate or authorized. Under FCRA 611 ( a ), I demand an immediate reinvestigation, deletion, or full verification of these items within 30 days. Failure to comply will result in complaints filed with the CFPB, FTC, and State Attorney General, and potential civil litigation under FCRA 616 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was recently a victim of a scam using XXXX. I sent a {$120.00} XXXX payment to purchase a camera on Sunday, XX/XX/XXXX. The seller provided a fake XXXX invoice and tracking number to make the transaction appear legitimate. I realized it was a scam and reported it to Chase on Tuesday, XX/XX/XXXX, less than XXXX hours after sending the payment. Chase initially opened a case ( Reference # XXXX ) but later closed it the same day, stating the transaction was authorized and could not be considered fraud/scam. I have also reported the scam to XXXX, and they have told me that they are currently looking into it and will be reaching out to my bank, as well as my scammers bank, which is XXXX XXXX. I also spoke to Chase again and asked them to reclassify my case as a fraud/scam, rather than an authorized transaction and they had denied that request. I am requesting CFPB assistance to ensure my case is reviewed as a scam/fraud and that Chase takes appropriate action to attempt recovery of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: WA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
Subject : Follow-Up Response to Portfolio Recovery Associates CFPB Complaint XXXX PRAs response does not resolve the issue and contains several factual and legal deficiencies.

PRA continues to report and collect on an unverified debt despite failing to provide proper validation as required under the FDCPA ( 15 U.S.C. 1692g ( b ) ). They have not produced a signed contract, itemized accounting, or a chain of assignment proving ownership of the alleged debts. Generic business records and a letter stating PRA purchased the debt do not constitute legal validation. 

PRAs statement that no dispute was received is false this CFPB complaint itself constitutes a written dispute and demand for validation. Their claim to have reported the accounts as disputed is also questionable, as my current credit reports do not reflect this notation, suggesting inaccurate furnishing under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) and 1681s-2 ( b ) ).

PRAs continued collection and credit reporting without proper validation constitutes deceptive and unfair practices under FDCPA 807808 and false reporting under FCRA 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I previously received a short-term, two-month payment pause from SoFi. That relief expired, and knowing my financial situation had not improved, I reached out to SoFi again this time a full month before my payments were scheduled to resume to inform them of my continued hardship and unemployment. I also offered to provide documentation, including my XXXX benefit statements, to show that I have no income other than minimal state assistance. 

Instead of offering any real assistance, SoFi through a representative named XXXX rejected my request entirely and told me to call collections if I needed further help. I had asked specifically for all communication to be in writing, yet was told to call a third party, even though I am not in default or behind on payments. 

This action goes directly against my legal rights to request and receive communication in writing under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c * *. I was not asking to avoid payment permanently I was asking for an extension of hardship accommodations due to job loss and severe financial instability. SoFi is now penalizing me for being proactive and transparent.

The most frustrating part is that I contacted them before missing any payments, in good faith, to avoid escalation. Instead, Im being treated as though Ive already defaulted. This is harmful, humiliating, and contrary to the protections afforded to consumers experiencing genuine financial hardship. I have documented every step of this process and will continue escalating as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-23 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 FRAUDULENT INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> a transaction was posted to my account. My debit card was locked when this transaction was allowed to go through. i filed a dispute with capital one on XX/XX/XXXX. i advised the representative that my card was locked, and capital one allowed a charge to go through. On XX/XX/XXXX i was emailed by capital one stating my claim was denied and that they were siding with the merchant. i called them the same day, and advised again that my reason for the dispute was not because it was fraud, but because they allowed a transaction when my card was locked. I am not disputing the validity of the charge, i disputed the fact that capital one has allowed this merchant to process a debit transaction while my card was locked. I was forced to get a replacement debit card, even though the point was, not to sound like a broken record, that my card was locked. The money was removed from account, and when i called capital one back, i was told that they would look into it further. all i received was another email on XX/XX/XXXX stating again that they were siding with the merchant. I have tried to get this resolved, as the merchant was paid with a different credit card that i have with a different company. capital one has left me no choice but to file a complaint. i am not sure what can even be done. I had a similar situation with a different bank ( i have different accounts ) and that company saw the error was on them, and refunded me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Business Checking Account ( Acct ending in XXXX ) was officially closed by Bank of America on XX/XX/year>. A payment intended for my rent was returned from this account. I was informed by bank representatives that the final balance is being held, but they refuse to issue a final check via certified mail because verification requires an in-person visit, which is financially impossible for me to complete. I require Bank of America to immediately calculate the final balance and mail it via Certified Mail to my address on file ( XXXX white XXXX XXXX XXXX FL XXXX ). I request confirmation of the mailing date within XXXX business 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 monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am writing to respectfully request a review and removal of negative information associated with a vehicle account that was repossessed several years ago. The repossession occurred after the vehicle suffered a major mechanical failure following an accident, which rendered the car inoperable. During this difficult period, I was unable to continue making payments due to financial hardship and limited ability to work. When I contacted the lender, the vehicle was collected, and I received no further communication or resolution regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: GA

Complaint narrative:
I have never opened or authorized this account, nor have I had any dealings with this company. I believe this account may be the result of identity theft. I am requesting that you initiate

an immediate investigation and delete this fraudulent information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am protected against inaccurate and fraudulent information appearing on my credit report. Specifically : FCRA 602 ( A ) Credit reporting agencies must maintain accurate and fair credit reporting. FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute incomplete or inaccurate information, and you are required to investigate within 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires credit bure
aus to block identity theft-related information from my credit report within 4 business days of receiving proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: AL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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