vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting an account under my name even though I never entered any type of agreement with them. I did not sign anything that gives this company permission to collect, access, or report my personal information. I never communicated with them before they added this to my credit profile and I never selected them to handle anything associated with me.

I want to make it clear that I am not asking for a bill or an itemized list. I am requesting proof that I personally authorized Portfolio Recovery to use my identity in any capacity. Under 15 U S C 1681e subsection b, any company that furnishes information must have procedures that ensure accuracy. Reporting from a company that has no signed agreement with me does not meet this requirement.

Under 15 U S C 1681b, any company that accesses or uses my personal information must have consumer permission and a lawful purpose. Portfolio Recovery has not shown that I granted either. Under 15 U S C 1692g, a collector must be able to present documentation proving a legitimate right to act in connection with a consumer. They have not provided anything that links them to me through my approval or signature. Under 15 U S C 1681i, a company must produce supporting documents when an account is challenged. Nothing with my signature has been presented. 

Life events or financial hardship do not create a contractual relationship between me and this collector. They continue responding with generic statements about what they claim I owe, but that is not what I requested. I am asking for proof that I personally transferred my information to Portfolio Recovery. They have not provided anything showing that I allowed them to appear on my report or to use my private information. 

I did not choose them. I did not sign anything with them. I did not authorize them. They have not shown any evidence that I permitted them to handle or report my information, yet they added this account anyway. Their reporting has harmed my credit and interfered with my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am writing to you because a deeply troubling situation has occurred with my Bank of America credit card accounts, and it requires immediate senior-level attention.

I have been a loyal Bank of America customer for 25 years. Throughout this time, I have always paid my accounts on time, maintained an excellent record, and trusted Bank of America with my financial stability. Today, without a single warning or notification, I attempted to make a purchase and discovered that three of my credit card accounts had been closed. When I contacted Bank of America, I was told the closures were due to too much credit showing on my report and a recent inquiry.

For a customer with 25 years of perfect payment history, this explanation is unacceptable and deeply disappointing. This practice is unprofessional, unethical, and completely contradictory to the relationship of trust and loyalty I have built with Bank of America over more than two decades. Closing long-standing accounts without notice exposes customers to financial harm, potential credit score damage, and unnecessary embarrassment. Had I been traveling or overseas, the consequences could have been far more severe. 

After 25 years of responsible account management and unwavering loyalty, I expected the same trust, respect, and consideration in return. Instead, this abrupt and unexplained action has left me feeling dismissed as a customer and concerned about the impact on my credit profile.

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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
TrueAccord placed an account on my credit file even though I never formed any type of agreement with them. I did not sign anything that gives this company the right to access, receive, or use my personal information. I never had any contact with TrueAccord before they appeared on my credit report and there is no evidence that I selected them to manage any matter involving me.

I am not requesting a bill, a balance, or a statement. I am requesting proof that TrueAccord has a signed agreement from me. Under 15 U S C 1681e subsection b, all furnished information must be supported by procedures that guarantee accuracy. Allowing a company I never contracted with to report anything about me does not meet that requirement.

Under 15 U S C 1681b, any company that accesses or uses my personal information must have consumer authorization and a legitimate purpose. TrueAccord has not shown that I granted permission for them to handle anything connected to my identity. Under 15 U S C 1692g, a collector must show documentation proving a lawful right to act in connection with a consumer account. TrueAccord has not provided any evidence linking me to them through my approval or signature. Under 15 U S C 1681i, a collector must provide supporting documents when an account is challenged. Nothing with my signature has been provided. 

My past financial issues do not create a contract with this company. They continue sending generic responses that avoid the main concern. I am asking for proof that I personally authorized TrueAccord to collect, store, or report my private information. They have offered nothing that confirms my approval.

I did not choose TrueAccord. I did not sign anything with them. I did not authorize them to handle, use, or report my personal information. They have not shown any proof that I allowed them to appear on my file and their reporting has caused harm to my financial progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Services placed an account on my credit file even though I never created any agreement with them. I did not sign anything that gives this company permission to obtain or use my private information. I never communicated with NCB before they reported this account and they have not shown any proof that I chose them to handle anything involving me.

I am not requesting a payment breakdown or a list of charges. I am requesting proof that NCB holds a direct contract with my signature. Under 15 U S C 1681e subsection b, any company furnishing information must follow verified procedures to ensure accuracy. Reporting from a company that I never signed with can not be accurate.

Under 15 U S C 1681b, a company must have a lawful purpose and consumer authorization before accessing or using my personal information. NCB has not shown any permission from me. Under 15 U S C 1692g, a collector must demonstrate that it has a legitimate right to act in connection with a consumer. NCB has not provided anything that shows I granted them authority to manage or report anything linked to my identity. Under 15 U S C 1681i, once a consumer challenges an account, the company must provide documents that support the reporting. NCB has not presented anything with my signature. 

Whatever financial issues I faced do not equal an agreement with this collector. NCB keeps responding with general statements that avoid the real question. I am requesting evidence that I personally authorized NCB to take possession of my information. They have not shown any document that confirms my approval.

I did not choose NCB Management Services. I did not sign anything with them. I did not authorize them to obtain, store, or report my personal information. They have not provided proof of permission, yet they placed this account on my credit file and it has caused real harm to my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. The following account ( s ) has been incorrectly reported as included in bankruptcy, which is false, misleading, and damaging to my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never filed bankruptcy, nor has this account ever been legally included in any bankruptcy proceeding.

This reporting is factually incorrect and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy of all information furnished.

I am demanding the immediate investigation and removal of this inaccurate bankruptcy remark from my credit file.

Please verify this information with the furnisher. If the furnisher can not provide documented proof that this account was included in a bankruptcy which they can not, because no such filing exists you are required by law to delete or correct the entry.

Under the FCRA ( 602A, 611, 607B ), you must : Conduct a reasonable investigation of disputed information. 

Remove any unverifiable, inaccurate, or incomplete entries. 

Notify me of the results within 30 days. 

Reporting false bankruptcy information is a serious violation and causes substantial harm to my credit reputation. Please see the following case references : XXXX v. Experian Information Solutions , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian Information Solutions , Inc. 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 2025-11-30 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: IL

Complaint narrative:
My formal dispute and request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

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 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
They are holding almost {$700.00} in my reserves funds when I only owe {$140.00}. Ive brought this up to them and refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I never received any 1099-C, which indicates the charge-off may be falsely reported or improperly classified.

I demand : Full validation of the account Confirmation of true charge-off date A copy of the 1099-C filed with the IRS Proof of accurate balance calculation All internal account notes related to charge-off status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: CO

Complaint narrative:
Global Lending Services ( GLS ) hired a repossession agent who performed a violent and illegal repossession at my home on XX/XX/year> in XXXX, Colorado. The agent did not show any ID or paperwork. He dragged my car away while it was in park, damaging it. He ran over my fathers foot with the tow truck. Most seriously, he pulled out a firearm and pistol-whipped my XXXX brother in the face, causing serious injuries including a concussion and lacerations that required stitches. After the assault, he fled the scene dangerously and nearly caused multiple accidents. I have video evidence. GLS is responsible for the actions of their hired contractors. I am requesting a full investigation, a freeze on my account, removal of repo fees, and review for wrongful/illegal repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
The 2 accounts below are reporting illegally on mXXXX XXXX credit report because the Date of First Delinquency reporting by the creditors below have been illegally RE-AGED. The dates reporting closed and the date of last activity are inaccurate and make absolutely no sense because I never made any payments in XXXX or any month in XXXX that would mean that the Date of First Delinquency would allow the XXXX accounts to remain on my credit report.

The main violation committed by both creditors is in violation of FCRA 623 ( a ) ( 5 ) for REAGING the accounts. The accounts have surpassed the 7 year reporting period and I demand each account be DELETED immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card Services - XXXX Delete both accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
b'The info I sent to your files on now closed complaint XXXX XXXX XXXX XXXX XXXX is still the same synchrony bank stated they are not the responsible company,but they were the 3rd party company through XXXX XXXX XXXXthat being said synchrony bank filed a warrant in debt on XXXX XXXX XXXX XXXX for an wrongful debt and an amount they did not agree to as XXXX XXXX XXXX XXXX XXXX XXXX,)incorrectly entered XXXX XXXX income and did not verify clearly some items would be financed by synchrony bank,then gave the 3 day return policy when contract was figured out about 2 weeks later.syncrony bank has been part of the deception from the near beginning.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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am submitting this complaint against JPMorgan Chase Bank regarding the mishandling of a {$4000.00} XXXX XXXX transaction on XX/XX/year>, which escalated into multiple account freezes, an unauthorized debit, and significant business disruptions. 

Chase Account Information Business Name : XXXX XXXX XXXX XXXX  Account Ending : XXXX Case Numbers : XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) Summary of Issues 1. Mishandled XX/XX/year> XXXX Transaction Chase flagged a legitimate {$4000.00} transaction as a possible cash advance, withheld the funds, and instructed me to issue a refund. Three refund attempts failed due to Chases system. On XX/XX/XXXX, Chase wrongfully debited {$4000.00} from my business account and reversed it on XX/XX/XXXX, admitting it was their error. 

2. First Account Freeze XX/XX/year> Chase froze my account without written notice. They incorrectly claimed they had paid out {$8000.00} due to a refund + chargeback combination. A three-way call with XXXX XXXX XXXX the cardholder, and Chase Merchant Services on XX/XX/XXXX confirmed : No duplicate {$4000.00} was ever issued Neither the business nor the cardholder received extra funds Chases internal record was incorrect 3. Second Account Freeze XX/XX/XXXX to XX/XX/year> Despite the issue being resolved in XXXX, my business account was frozen again for nearly 30 days, without written notice, communication, or explanation. Multiple requests for documentation went unanswered. 

Harm Caused Chases actions caused severe business disruption, including : Loss of an employee due to payroll issues High-interest loans required to sustain operations Missed payroll obligations Lost revenue due to inability to operate Reputational harm The total damage suffered by my business is {$45000.00}. 

Regulatory Violations Regulation E ( 12 CFR 1005 ) failure to provide written notice, mishandled investigation UDAAP violations ( 12 U.S.C. 55315536 ) Negligent misrepresentation Breach of contract & good faith Failure to provide required adverse action notice Requested CFPB Action I am requesting that the CFPB : Investigate Chases mishandling of this matter Require Chase to compensate my business {$45000.00} for damages Require Chase to provide written explanation for both freezes Require Chase to correct internal errors and prevent recurrence Contact Information : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On multiple dates I disputed a Discover Bank charge-off account that appears on my credit reports. I submitted disputes through the credit bureaus and sent a written 623 ( a ) ( 3 ) Direct Furnisher Dispute and a Method of Verification ( MOV ) request to Discover by certified mail. I requested verification of the account, including the documentation required under FCRA 609 and 611 ( a ) ( 1 ) : the signed credit agreement, application, or any original contract showing liability, as well as the records relied upon to verify the account. 

Discover responded with stall letters on multiple dates XX/XX/year> and XX/XX/year>, stating they could not proceed without additional informationeven though the information I requested is information THEY are required to maintain and provide to validate reporting. Which they proved they had, on a letter of XX/XX/year>. They did not provide any of the documentation requested. No signed agreement, no application, no contract, no account-opening records, and no records relied upon by the furnisher were provided.

Despite failing to provide verification, Discover continues to report this account as a valid Charge-Off across all three bureaus. This violates FCRA 623 ( a ) ( 3 ), which requires a furnisher to not report information that can not be verified and to conduct a reasonable investigation before verifying disputed information.

Additionally, the credit bureaus completed their reinvestigations without Discover providing the method of verification or any supporting evidence, violating FCRA 611 ( a ) ( 7 ). This prevents me from confirming that the furnisher actually verified the account or identifying what documentation was reviewed. Without documentary
evidence of ownership, liability, or accuracy, the account can not be legally verified.

Discover is reporting a charge-off without being able to produce a contract, agreement, authorization, or verification documents proving the account belongs to me. This constitutes an incomplete and unreasonable investigation under FCRA 611 ( a ) ( 1 ).

I am requesting CFPB assistance because Discover has failed to provide legally
required verification and continues reporting unverifiable negative information, causing ongoing harm to my creditworthiness. I have attached copies of : The Discover 'stall letters My MOV request My direct furnisher dispute Certified mail receipt and delivery confirmation Credit bureau dispute results Since Di
scover has been unable to verify the account with proper documentation, I am requesting that the Discover Bank tradeline be DELETED from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I disputed these accounts on multiple occasions and they came back verified each time. They overlapped on the XXXX  days allowed and still came back verified. They never sent me anything proving a proper and complete reinvestigation. Only said they did a investigation and verified the items. I also sent them a notice to sue and they verified the accounts after that too. I then called and reported the accounts as fraud and they said they can't help me.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed these accounts on multiple occasions and they came back verified each time. They overlapped on the XXXX  days allowed and still came back verified. They never sent me anything proving a proper and complete reinvestigation. Only said they did a investigation and verified the items. I also sent them a notice to sue and they verified the accounts after that too. I then called and reported the accounts as fraud and they said they can't help me.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of Identity theft. my information has been involved in 5 plus data breaches and my personal information has been stolen. Somebody without my consent is trying to obtain credit without my knowledge. there are multiple inquires on my credit report I did not authorize. there are also address on my report that don't belong to me and that have never belonged to me

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