vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Formal Debt Validation Request Pursuant to 15 U.S.C. 1692g ( FDCPA ) Account Number : XXXX To Whom It May Concern : This letter is a formal request for validation of a debt you claim I owe. I recently obtained a copy of my credit report and noticed a collection account listed under your name with the following details : Creditor : Portfolio Recovery Associates Account Number : XXXX Balance : {$870.00} Date Opened : XXXX Reported Past Due : XX/XX/year>XXXX  As provided by the Fair Debt Collection Practices Act, I am requesting that you provide competent evidence that I am legally obligated to pay this debt. Please provide the following : 1. A full accounting of the alleged debt, including all charges, interest, and fees.

2. The name and contact information of the original creditor.

3. A copy of the signed agreement or contract that legally obligates me to this debt.

4. Proof that your agency owns or has been assigned the debt and is legally authorized to collect it.

5. Your license number and proof you are authorized to collect debts in my state. 
While I investigate this matter, I request that you cease all collection efforts and refrain from reporting this account to any credit bureaus until validation is complete. 
If you are unable to provide the documentation requested, you must delete this account from my credit report and stop any further collection actions. 
This letter is not an acknowledgment or acceptance of any liability for the alleged debt. I am merely exercising my right to request validation under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I recently pulled my credit report and noticed multiple Fraudulent inquiries. I have no knowledge of these inquiries and need them removed immediately. This is my 2nd attempt reporting these unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: DISCOVER BANK
State: FL

Complaint narrative:
This account was reported as fraudulent and removed from my credit report. 
I see the company has reported it on my credit file again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

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 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 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank
State: TN

Complaint narrative:
A few weeks ago, I contacted First Progress regarding a transaction that was pending on my account which I did not authorize. I asked for the transaction to be blocked. The representative informed me that in order to block it, they would need to mark the card as lost or fraudulent and issue a new one. I agreed, even though I questioned why the transaction couldnt just be blocked on its own. 

I was told a new card would be issued and would arrive within 710 business days. 

On XX/XX/XXXX, I called to follow up because I still had not received the card. A new representative told me that the card had never actually been sent because a fraud lock had been placed on the account, and it was still on hold. I was never informed of this prior to that call. 

This directly affects my credit, because I can not log into the new website, can not activate the account, and therefore can not pay down the balance that is now being reported to the credit bureaus. 

I emphasized that I need the card to resolve this and asked if they could expedite it due to the delay and credit impact. I was told I would have to pay a fee to expedite iteven though the card was never sent in the first place, and the situation is entirely due to their mistake. I explained this was unfair and was transferred to a supervisor. 

The supervisor confirmed my address but said they couldnt even tell whether the card had been delivered or not. Regardless, she repeated multiple times that they do not have the ability to expedite the card without a fee. 

I explained again that this is harming my credit because Im unable to pay down the balance. I can not access the site or account without activating the new card. I asked if anything could be donesuch as waiving the fee, holding off on credit reporting, or applying an adjustment to the accountbut I was told no. 

Eventually, I agreed to proceed with having a new card issued, but I find it unacceptable that Ive now been delayed multiple weeks, unable to make payments, and am being reported for a balance I physically can not pay because I dont have access to my account. 

Additionally : Their customer communication is severely lacking. I previously tried emailing them and it took days to receive any kind of response. There is little to no timely follow-up unless I call them directly, and even then, I receive conflicting information or unhelpful responses. This poor communication, combined with the delays and lack of resolution, has left me stuck with credit damage and no reliable support from the company. 

I am filing this complaint because I feel Ive exhausted all reasonable options, and I want this issue formally documented and addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
This correspondence is regarding a hard inquiry that has been posted to my credit file. After conducting a thorough review of my recent credit activity, I can confirm that I did not initiate or authorize any request that would have warranted this entry.

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 2025-08-01 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: FL

Complaint narrative:
I am formally disputing several accounts being reported under my name without my knowledge or authorization. I have never opened or managed these accounts, and their presence is both inaccurate and misleading. 

This is a serious issue that has raised significant concern, as it misrepresents my financial history and damages my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
So my account was being hacked and I was letting them know and {$2000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX - Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXXXXXX XXXX XXXX XXXXXXXX - Account not mine XXXXXXXX XXXX XXXX XXXXXXXX - Account not mine XXXXXXXX XXXX XXXX XXXXXXXX - Account not mine

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are several inaccurate and misleading items appearing on my credit report that continue to negatively impact my credit profile. For instance, multiple accounts from XXXX XXXX XXXX, including one last verified in XX/XX/XXXX, are reporting inconsistently across bureaus, showing conflicting balances and duplicate listings, which is both confusing and incorrect. XXXXXXXX XXXX XXXX accounts are also listed with derogatory status despite reflecting a {$0.00} balance and no recent activity since XXXX. Additionally, an account from XXXX is showing different statuses depending on the credit bureau , further suggesting reporting errors or mismanagement of data. Another issue involves several unauthorized hard inquiriesincluding multiple from XXXX  XXXX on XX/XX/XXXX, and others from XXXX and XXXX XXXX I did not initiate or authorize. These inquiries are not connected to any known application or account. Finally, there are numerous incorrect name variations and outdated addresses tied to my credit profile that I have never used or confirmed, which raises concerns about potential file mixing or identity confusion. Despite no recent activity or verifiable documentation provided to support these derogatory entries, they remain on file and continue to harm my credit standing unfairly.

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 2025-08-01 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: TX

Complaint narrative:
I do not recognize these accounts and believe them to be fraudulent. Please carry out an investigation and remove them from my credit profile immediately. Proof is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc
State: OK

Complaint narrative:
Unauthorized Transaction Dispute Statement Name : XXXX XXXX Business Name : XXXX XXXX XXXX XXXX States of Operation : XXXX, XXXX  ( XXXX ) To Whom It May Concern, My name is XXXX XXXX, and I am the owner of an auto repair business based in XXXX XXXX, XXXX. I operate three XXXX  XXXX, including two in the state of XXXX. 

On XX/XX/year>, I traveled from XXXX  to XXXX  for work-related purposes. During my absence, my Chime bank account, which is used by my staff for handling client payments and worker salaries, was accessed without my authorization. 

On XX/XX/year>, three unauthorized transactions occurred from my Chime account in the following amounts : {$690.00} {$990.00} {$650.00} At the time, my employees believed these were legitimate transactions made by me using my debit card, as it is common for me to make payments this way. However, I was in XXXX  at the time and had my physical card with me. I did not authorize or perform any of these transactions. 

Upon returning and reviewing my account activity, I confirmed that these charges were fraudulent. I am requesting that Chime investigate this matter and reverse the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
This is the account that I marked as inaccurate and I want the accounts removed. It was a XXXX XXXX account : ance and Amounts Balance {$330.00} Credit Limit {$3700.00} High Credit - Available Credit {$3300.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-08-01 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-01 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:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXXXXXX 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 2025-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MN

Complaint narrative:
XX/XX/year> Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$670.00} XXXX XXXX Withdrawal POS XXXX cash App XXXX XXXX XXXX XXXX, Ca in the amount of {$75.00} XX/XX/year> XXXX XXXX XXXX Cash App XXXX XXXX XXXX XXXX CA in the amount of {$1.00} I do not have XXXX square up, nor would I ever use them especially for the amount. I am XXXX and live ofXXXX XXXX XXXX XXXX isnt much. 

I would appreciate to have these matters settled very quickly as I am struggling. 

Thant you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I received a call about a debt collection made in Alabama with a XXXX XXXX Credit Card. I do not have any personal XXXX XXXX  credit card accounts. I have XXXX XXXX  for my business and is linked to business checking account not Credit Card. I live in XXXX XXXX XXXX, NV for the past 11 years and I do not know anyone in the state of Alabama. I have not loose my personal information anywhere. I have at the moment company Midland Credit Management calling to collect a debt. The account with this company Midland is # XXXX. At the moment to proof Midland this blend collection is a fraud Im submitting this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> I withdrew {$1500.00} from a wells fargo bank atm at the branch. I was only dispersed {$1300.00}, with XXXX XXXX in place of XXXX XXXX. I counted the cash immediately as it came out of the machine and went inside to inform the bank. I was told to call and file a claim. 
After filing I received no updates for, up to this date, a month and a half. 
Upon calling and requesting an update I was told the claim was denied, I and the bank could/would not review security footage, and I could only be given a reason as to why I was denied and not any other information on what the bank actually did to investigate.

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 2025-08-01 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: AL

Complaint narrative:
I opened a secondary PayPal account with the intention of converting it to a business account. Shortly after initiating the upgrade, PayPal unexpectedly restricted my account without providing a clear explanation or an opportunity to resolve the matter. As a result, I am now unable to access my own funds that are currently being held in the account. 

PayPal has stated that the funds will be held for up to 120 days. I have not engaged in any suspicious or fraudulent activity, and I believe this restriction is excessive and unjust. Ive reached out to PayPal customer service multiple times, but Ive only received generic replies without any resolution or appeal options. 

I am requesting that the Consumer Financial Protection Bureau review this matter and assist in having PayPal release my funds sooner or provide a clear, fair, and timely resolution. 

I can provide additional documentation or correspondence if needed.

Company response to consumer: Closed with explanation