vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Central Portfolio Control is reporting a collection account on my credit report that I never authorized them to have. I never signed, consented, or agreed for my personal information or account to be transferred to this company. Having my personal information without my consent is illegal, regardless of whether another company sent it to them. 

Previously I mailed Central Portfolio Control a debt validation request under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). I demanded that they provide proof of my wet signature, legal authorization to collect, and a detailed breakdown of this alleged {$2200.00} debt. They have failed to comply with this request.

To this day, Central Portfolio Control has not provided : A signed contract or application with my original signature showing I agreed to this account. 

Proof that I gave permission for my personal information to be forwarded to their agency. 

A full, itemized accounting of how they calculated the alleged balance. 

Documentation establishing that they have the legal right to collect on this account.

By continuing to report this debt without proof, Central Portfolio Control is violating the FDCPA ( 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), which require validation and accurate reporting of consumer information. 

Their possession and use of my personal information without proof of consent is unlawful. A company can not simply take or receive a consumers personal information and begin reporting and collecting on it without proper authorization. This is a direct violation of my rights and an abuse of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
There was a {$200.00} and a {$300.00} XXXXXXXX XXXX XXXX  purchase on my Concora destiny XXXX credit card account. I did not make these purchases. I reported the fraudulent charges and they credited my account. I checked my account yesterday and they added the charges back on. I called them and they said that they Did not believe it was fraud because I have a XXXX account. I then contacted XXXX and they were able to provide me with an email stating that I have never made a purchase with my XXXX  account nor have I ever made a purchase with the card ending in the last XXXX of that card. I did provide them with that. Besides that the XXXX gift card was not purchased through XXXX. It was purchased through an outside gift card company called launch gift cards. I provided them with both emails. I have reopened the investigation. I do not know what the outcome will be, but I find this completely unacceptable. I am the customer and I did let them know. I did not make these charges. Also, the gift cards were sent to people with the quote stating XXXX XXXX, mom and dad. Hope you guys are not fighting and that you have had something to eat. My dad has been dead for 20 years. I am pretty upset with the outcome. I do not feel safe with this credit card company. I have had fraud on this card before and they refunded it no problem. And the reason for them not to refund it This time was absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
The company kept stating that there are different factors about why my application kept being denied. They failed to give a straight answer about the issue even when I got the letter in mail about it. 

My credit report online was set to credit thaw at the time I applied for their new credit card, XXXX XXXX XXXX XXXX. When they kept denying the application online, it also caused a credit inquiry. When applying for XXXX XXXX card, I was eligible, but I cancelled because that's not the card I wanted. The card I wanted was the XXXX XXXX card. After all the hassle since a year back, I decided to close my account. My credit score in the XXXX to XXXX should not have been the problem at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NY

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
I am filing this complaint because my Equifax credit report contains inaccurate and unverifiable information that has not been corrected despite my disputes. The first issue is the presence of an incorrect address, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, which I have never lived at, used, or been associated with in any way. This false address raises serious concerns about the accuracy of my credit file and creates the risk of mistaken identity or the mixing of my file with another consumers information. 

Another major error is the reporting of a charge-off from XXXX, account number XXXXXXXX XXXX XXXX opened on XX/XX/year> with a listed balance of {$6200.00} XXXX XXXX. I have disputed this account multiple times, but neither XXXX nor Equifax has been able to provide proof of its accuracy, documentation verifying the balance, or evidence supporting the delinquency and charge-off status. This reporting is misleading and incomplete, and Equifax is violating its legal obligation under the Fair Credit Reporting Act ( FCRA ) Sections 607 and 611 to ensure that all information is accurate, complete, and verifiable. 

These inaccuracies have caused significant harm to my financial standing, lowered my credit score, and made it difficult for me to access fair credit and housing opportunities. Despite following proper dispute procedures, Equifax has failed to conduct a meaningful reinvestigation and continues to report unverifiable data. This is creating unnecessary stress, hardship, and reputational damage. 

I am requesting the Consumer Financial Protection Bureaus assistance to investigate Equifaxs handling of this dispute. If Equifax and XXXX can not provide documented evidence proving that this information is accurate, I am demanding that this false address and the unverified Santander charge-off be permanently removed from my credit report. I would also like the CFPB to hold Equifax accountable for their failure to comply with the requirements of the FCRA and ensure that my credit report reflects only accurate and verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: NY

Complaint narrative:
Subject : Identity Theft and Fraud Request for Immediate Investigation and Removal To Whom It May Concern, I am writing to formally report that I am a victim of identity theft and fraud. Unauthorized accounts, inquiries, and addresses have been associated with my name and Social Security number without my knowledge or consent. These fraudulent activities have negatively impacted my credit report, financial reputation, and ability to obtain credit. 

I request that Equifax, Experian, and TransUnion investigate this matter immediately and ensure that all fraudulent accounts, inaccurate addresses, incorrect names, and unauthorized inquiries are permanently removed from my credit report. 

Invalid Addresses ( Not Mine ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Charged Off/Paid-Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Collection {$8000.00} XXXX XXXX XXXX ( Acct # XXXX ) Charged Off {$3300.00} XXXX XXXX ( Acct # XXXX ) Charged Off {$320.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Collection {$670.00} XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Statement of Harm : I did not authorize, open , or approve any of the above accounts, inquiries, or addresses. These actions are a direct result of identity theft and are illegally reporting against me. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act, I have the right to dispute and demand removal of all inaccurate or fraudulent information associated with my identity. 

I have also notified the creditors involved regarding this identity theft. I formally request that Equifax, Experian, and TransUnion investigate these fraudulent entries and remove them immediately from my credit report. 

Thank you for your prompt attention to this urgent matter. 

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 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> a charge was made to my account for {$99.00}. I write away made a response email to the merchant that I did not authorize this charge to their account. I have only had two previous charges with this Merchant for {$5.00} and {$9.00}. This unauthorized charge was 10 times larger than my two and only previous charges I have ever had with them. They said there is nothing that they can do and I would not be refunded. I spoke with my bank Chase and filed a dispute that I did not authorize this charge. They issued me a temporary credit and then found that the charge was valid and reversed the credit. I called Chase to explain. They told me to reach out to the Merchant. I have reached out to the merchant three times and have not received a response in over 30 days. I called my bank Chase again to tell them that it wasnt unauthorized charge and that their dispute process was incorrect. A supervisor from Chase on XX/XX/XXXX told me that because the merchant has my name and address, that is enough information for Chase to say that charge was invalid. I have explained to them numerous times that I did not authorize this charge in that as I threatened to dispute the charge with the merchant, they locked my account and zeroed out my balance. Im not sure how this is not fraud so Im contacting you guys to file a complaint with my bank who Ive been with for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 
The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/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 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 Please investigate and remove the accounts and all associated negative information immediately.

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 2025-08-24 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: MI

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-23 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate, unverifiable, and non-compliant information being reported on my credit files by XXXX, XXXX, XXXX, and certain furnishers/collectors. 
# # # Background On multiple occasions, including disputes most recently in XX/XX/XXXX, I have submitted written disputes regarding inaccurate and unverifiable accounts on my credit reports. Despite this, the credit reporting agencies ( CRAs ) have failed to conduct reasonable reinvestigations as required by FCRA 1681i ( a ), and furnishers have failed to ensure accurate reporting as required by FCRA 623. 
# # # Accounts in Violation Based on my updated XX/XX/XXXX reports, the following remain inaccurate/unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Charge-off {$4600.00}. Reports updated in XXXX despite being closed years earlier ( illegal re-aging, XXXX XXXX violation ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off {$4300.00}. Balance static since XXXX. Reported as both " charged off '' and " past due '' ( XXXX XXXX XXXX XXXX violation ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off {$710.00}. Balance unchanged for years. Inconsistent reporting across bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Appears as duplicate accounts ( {$2000.00} and {$850.00} ) under different names. XXXX XXXX prohibits duplicate tradelines. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports {$15000.00} charged-off vs. original loan {$13000.00}. 
Mathematically impossible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off {$730.00}. Balance coding inaccurate under XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Charge-off {$5600.00}. Incomplete history, unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$550.00} for XXXX XXXX. No validation received as required by FDCPA 809 ( b ). 
- * * LVNV Funding LLC * * Collections {$4200.00} & {$1200.00}. Deleted from XXXX  but still reported on XXXX  and XXXX  ( inconsistent and inaccurate ). 
# # # Violations- * * FCRA 1681e ( b ) * * Failure to ensure maximum possible accuracy.

- * * FCRA 1681i ( a ) * * Failure to reasonably reinvestigate disputed items. - * * FCRA 623 ( a ) ( 1 ) ( A ) * * Furnishers reporting inaccurate information. - * * FCRA 623 ( a ) ( 5 ) * * Re-aging of accounts ( improper updates with new dates ). - * * FDCPA 809 ( b ) * * Collections reported without proper debt validation. - XXXX XXXX XXXX XXXX Compliance * * Improper coding of charged-off accounts, duplicate tradelines, and incorrect balance reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX has responded to my complaint in CFPB case XXXX in their letter dated on XX/XX/XXXX, they are still responsible together with XXXX XXXX OCWEN, XXXX MORTGAGE SERVICES/ XXXX  XXXX XXXX , or whatever they want to call. Those transfers between banks were intentionally to hide information and to steel or robe my property. 

I want to report XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, State of Texas, XXXX XXXX OCWEN , SAXON MORTGAGE SERVICES/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and other people involved to XXXX my house XXXX XXXX XXXX XXXX XXXX Tx. XXXX. All my personal belongings were trashed to the street. I have a title of my house ( deed ) in my name XXXX XXXX and paying to the Bank according to XXXX XXXX office arrangements with bank. I will appreciate to investigate robbery on XX/XX/XXXX of my house and all my personal belonging located at XXXX XXXX XXXX XXXX, Tx. XXXX. My daughters and me are facing payments to rent appartments instead of paying my house and their college.Government also, trashed XXXX XXXX from my daughters, since Government robbed my property. In this robbery were involved : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  ( XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Constables, XXXX XXXX employees, XXXX, XXXX. Group of people who usually robbed properties like mine. Hope you can help me and return my house, my personal belongings and expenses that I made in rents for me and my daughters. I hope also if you help my daughters to have their oportunity to go to college. This property has a deed on my name XXXX XXXX and I paid property and property taxes until XX/XX/XXXX. My payments for this house were made on time until XX/XX/XXXX to the Banks according to XXXX XXXX XXXX office arrangements. XXXX XXXX XXXX office does not want to help because his office at XXXX Tx was involved and was their fault to lose my house. Hope you make justice and send to jail all of these robbers including Judge XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, Constables, XXXX XXXX employees, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx. XXXX Phone NumbeXXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
At the beginning of XXXX, a collection account from XXXX XXXX appeared on my credit report with a listed creditor of XXXXXXXX XXXX in the amount of {$1400.00}. The account was marked as being XXXX  months old. This was very unusual, as I have never had any recent account or outstanding balance with XXXX 
I disputed the entry and reported it as fraudulent. In response, XXXX stated that they had contacted XXXX and confirmed that the only account under my name had been fully paid off and closed approximately XXXX years ago, with a XXXX balance. Based on this information, the collection account was removed from my credit report. 
However, this month, a new collection account for the exact same amount of {$1400.00} appeared againthis time reported by Harris & Harris, with the same listed creditor XXXX XXXX XXXX and once again showing an account age of XXXX  months. This repeated activity is extremely concerning and suspicious. 
I want to make it clear that this account is not mine, and I have never authorized any recent service or account with XXXX The fact that XXXX different collection agencies have now attempted to report the same fraudulent account raises serious concerns that someone may be using my identity without my knowledge or consent. 
I am currently in the process of reporting this incident to all major credit bureaus. I am also submitting this personal statement to formally document my concern and request a thorough investigation. 
Please take the necessary steps to protect my identity and ensure my credit report accurately reflects only legitimate accounts.

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 2025-08-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Directly effected by Equifax, XXXX, and XXXX  XXXX XXXX. Theres an account from XXXX, that do not belong to me. Theres a Bankruptcy, thats not mine. I want this immediately deleted. I have received such correspondence from at least 5 different corporations advising me of my information was compromised, dating back XXXX of XXXX. I am prepared to sue each one of these credit bureau. I sent in my police report, my FTC Report statement, and documents supporting my case.

Company response to consumer: Closed with explanation