vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-11-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I received a credit inquiry email and noticed a hard inquiry on my credit report from One Main Financial. I have never had any business with them. Could you please look into this and advise on the next steps?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I became the POA for my son, XXXX XXXX XX/XX/XXXX. He is currently not able to work. In XX/XX/XXXX I had visited M & T bank on XXXX XXXX, XXXX, MD XXXX to deposit a check for him. They told me to sign the check as POA and they would send it to their offices for approval. I received no letters about it and assumed all was well. Then in XX/XX/XXXX I had to deposit another check and went to the M & T by my home and they told me they had no information on the POA on file and I could not sign as his POA. They said they would send the POA for review again but said they doubted it would approve approve. I finally got a call from them XX/XX/XXXX and they said the POA was approved but they decided to close his account. They would not tell me a reason. I received a letter XX/XX/XXXX stating the account would be closed and not giving a reason. It also stated any calls or letters would not provide any additional information or reason. They also said they are not required to give a reason. 
This happened after presenting the POA and could be a legal issue with discrimination.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, I received an email from Capital One with my name and that there was a credit card coming and that I should receive it by XX/XX/year>. At first, I didn't pay much attention to it thinking it was an email scam, I didn't click on any of the links in this email. Then on XX/XX/year>, I received another email stating that I can receive more rewards If I share my account with another cardholder and in that email, I also noticed the last XXXX digits of a credit card. At that moment I felt that there was something wrong and I checked to see if the email was official, which it was. Then today XX/XX/XXXX, I contacted capital One XXXX and reported this discovery. I found out that I have an account with a credit card, in which I never applied to XXXX. The worker then reported this account and told that I would receive mail on the ongoing report and the next steps to report credit card fraud. After I spoke with the Capital One agent, I went to my mailbox to see if I had received anything, and I did pick up the Capital One credit card on XX/XX/year>. I just recently had a change of address, and the mail was forwarded to my new address. I am not sure if the old address was a previous of mine or it was intercepted and change to my new address instead of the fraudulent users. I have done the most to notify all businesses of this incident, but I have canceled the credit card and also received the one that was created not known to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Issue : PRA is attempting to collect a debt that was already paid and can not provide proof of the amount they claim I owe.

Complaint : I am filing a complaint against Portfolio Recovery Associates ( PRA ) because they are attempting to collect on an account originally from XXXX  XXXX, but they have not provided proper validation and the balance they are claiming appears to be incorrect. 



I continued making payments to XXXX XXXX because I was never notified that the account had been sold. XXXX XXXX only sent me notice XXXX weeks ago. Because of this, there is a possibility that XXXX XXXX accepted payments after the account was sold, which means the balance PRA is trying to collect may not be valid.

When I asked PRA for verification, they did not provide : The date they purchased the account A full chain of assignment The balance at the time of sale A complete payment history from the original creditor A reconciliation of whether payments I made to Capital One were included or credited Under the FDCPA, PRA must stop collection and provide verification. They have not provided the information required to validate the debt, and I am concerned that PRA is attempting to collect on an account that was already paid down or possibly paid in full. 



Because XXXX XXXX refuses to provide account documentation, and PRA has not validated the debt, I am unable to confirm whether any balance is owed. PRA should not continue collection activity until they provide legally required proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am submitting this letter to formally dispute a fraudulent account that appears on my credit report.

This account was not opened by me and was created without my authorization. I believe my information may have been compromised due to a data breach, resulting in identity theft.

The inaccurate item is as follows : 1. Creditor : Spring Oats Capital LLC Date Opened : XX/XX/year> Reason for Dispute : This account is fraudulent and was opened without my permission. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a full investigation into this matter.

According to 15 U.S.C. 1681i, you are required to investigate disputed information and remove any data that is inaccurate, unverifiable, or the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: U.S. BANCORP
State: MO

Complaint narrative:
Attempting to get either deed of trust released or payoff letter from US Bank National Association for XXXX months. XXXX XXXX and I have called several times and I have sent XXXX faxes with all relevant information, including a Qualified Written Request under Section XXXX of the Real Estate Settlement Procedures Act ( RESPA ) on XX/XX/year>. They have completely ignored this correspondence.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a mattress at a store. The purchase price was {$2600.00}. I was told that there was a promotional offer saying " No interest if paid in full in 24 months. '' I was set up with a credit card payment plan by the mattress company. A monthly payment of {$100.00} was set up and automatically deducted from my bank account which they said would satisfy the promotional terms. 
I recently received, XX/XX/XXXX, a statement showing an unexpected retroactive interest charge of {$1300.00}. This was never clearly disclosed and they set up my payment plan. 
I have sent letters to both the mattress company and the bank involved on XX/XX/XXXX. I have called the bank on XX/XX/XXXX. The call resulted in them saying there is nothing they can do.

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 2025-11-19 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifaxs continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am submitting this complaint because TransUnion is still reporting inaccurate information even after my dispute. XXXX addresses that do not belong to me are still showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been connected to these addresses. 

Several accounts are reporting wrong late payments even though I have never been late. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$4600.00} ). The payment history on all of these accounts is inaccurate. 

There is also a collection account XXXX XXXX XXXX XXXX XXXX  balance {$140.00} ) that I have no knowledge of and was never validated, so it should not be reporting at all. 

An inquiry from XXXX dated XX/XX/XXXX is also being reported even though I did not authorize it. 

I am requesting CFPB assistance because TransUnion has failed to correct these inaccuracies despite my previous dispute.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX suddenly froze my account and locked my full balance of {$2200.00} due to unusual activity from a different IP address. I immediately submitted the ID verification XXXX requested, including my drivers license. On XXXX XXXX XXXX requested an additional live photo of me holding my ID, which I also submitted immediately. 

Despite fully cooperating and verifying my identity twice, XXXX has continued to withhold all of my funds for over XXXX  days. I contacted XXXX multiple times through in-app chat and by phone. Every representative tells me the same generic response : that my case is with another department, they have no access to the status, no information on the review, and can not provide a timeline. I have repeatedly asked for the reason for the freeze, the status of the investigation, and when my funds will be released, and XXXX has provided no answers. 

XXXX has offered no evidence of fraud, no written explanation, and no legitimate reason for continuing to hold my money. I rely on this money for groceries, gas, and basic living expenses, and I am experiencing financial hardship due to not having access to any of my funds. I have done everything XXXX asked for and they are still withholding my entire balance without cause or transparency. 

This appears to be an unreasonable delay and a violation of my rights under the Electronic Funds Transfer Act ( Regulation E ), which requires timely investigation and access to consumer funds when identity has been verified and no fraud is present. I am requesting CFPB assistance in getting XXXX ( PayPal, Inc. ) to release my funds and restore access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
I requested the license to collect debt in XXXX XXXX and the company failed to provide this. 
Instead they provided XXXX  Department of Insurance permit company number. 
I requested the original contract agreement signed by me and they failed to provide this. 
I requested a complete itemized breakdown of the balance showing how interest, fees, or other charges were applied and they failed to provide this. 
I asked them to verify this debt belongs to me, they sent partial credit card statements, but not from the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items .. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items .. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
recently reviewed a copy of my credit report and was shocked to find I had been the victim of identify theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I bought XXXX gift cards of {$300.00} each from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX None of the gift cards were able to be added to digital wallets, even after troubleshooting using instructions from the customer service. The first XXXX customer service agents promised me a refund after I requested them due to failed troubleshooting. They gave me a case number and asked that I send a signed letter, along with the order confirmation emails, to the address XXXX. The address is fake ; when I sent the email on XX/XX/XXXX, my email with the requested information immediately bounced back. I called the customer service number immediately and they refused to honor the refund request even after I provided the case ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, a Wells Fargo representative told me on the phone that : We dont have any power of attorney documentation showing that you have power of attorney authorization on any active accounts that XXXX XXXX. 

This is the same position Wells Fargo took in letters dated XX/XX/XXXX and XX/XX/XXXX, stating that Wells Fargo had no authorization to speak with me. These statements are incorrect. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX minute orders ( Case No. XXXX ) which Wells Fargo already received expressly affirm my XXXX Durable Power of Attorney ( DPOA ) for XXXX XXXX, identify me as Attorney-in-Fact, and deny all challenges made by XXXX XXXX XXXX. 

Despite receiving those court orders and the XXXX XXXX, Wells Fargo continues to deny my authority while allowing an unauthorized third party ( XXXX XXXX to interfere with XXXX banking and benefit issues. 

The documents I am attaching further show XXXX XXXX XXXX XXXX XXXXentered ) confirming XXXX and XXXX were protected parties during the period Wells Fargo accepted information from XXXX. 

XXXX correspondence confirming XXXX investigated XXXX actions regarding XXXX XXXX XXXX XXXX and required XXXX to provide accounting, indicating significant concerns with his claimed authority. 

XXXX payee history showing I was XXXX representative payee prior to the interference, establishing a long-standing legitimate authority relationship Wells Fargo should have recognized. 

Wells Fargos repeated refusal to acknowledge a court-affirmed POA while continuing to rely on information from an unauthorized party exposes XXXX, XXXX XXXX dependent adult, to further financial abuse. This conduct implicates : XXXX XXXX XXXX XXXX XXXX ( unreasonable refusal to honor a valid POA ), and XXXX XXXX XXXX XXXX XXXXXXXX ( mandatory reporting of XXXX XXXX XXXX  financial abuse ). 

The harm is ongoing as of XX/XX/XXXX because Wells Fargo continues to refuse to recognize my legal authority and has not taken corrective action or filed any mandated reports. 

I consent to publication of this description.

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