vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Payment Resolution Services
State: VA

Complaint narrative:
I am being wrongfully pursued by PRS for a debt that does not exist. 

On XX/XX/year>, I paid my provider {$140.00} in cash at the appointment, plus my {$20.00} co-pay. The EOB from XXXX shows only the {$20.00} co-pay as my responsibility. The {$140.00} is not reflected anywhere on XXXX website as being applied toward my deductible. That {$140.00} overpayment is therefore still legally owed back to me. 

XXXX later issued XXXX refund checks for {$140.00} : One in XXXX, which I received and cashed. 
XXXX in XXXX, which was never cashed. 

Instead of reissuing or voiding the uncashed XXXX check, XXXX misclassified the XXXX check as an overpayment and debt I owed them and placed me with PRS for collection. This is false : XXXX owes me that money. I have proof of payment on day of service for both {$20.00} and {$140.00}. 

Since then : PRS has continued to pursue me for this invalid debt. 
I have disputed the debt in writing with PRS. 
XXXX has admitted ( most recently on XX/XX/year> ) that two checks were issued, and that one remains uncashed.

Despite this, PRS continues to send me collection letters. 
XXXX has sent me around infircles trying to understand what happened on their end in there broken system. I have spent a month trying to solve this issue and keeping getting told someone will help or call and no one does. XXXX and the provider have also attempted to push responsibility onto me. The providers office even called and aggressively confronted me about XXXX billing issues before finally admitting the truth about the two refund checks. XXXX has also admitted to 2 checks and marked it on my file. Nothing has been done yet. 

This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits attempting to collect money not owed. It also places my credit at risk for a debt that not only doesnt exist, but is actually a refund legally owed to me. PRS keeps telling me they wont do anything until XXXX recalls the account.

What I am requesting : 1. Immediate closure of the PRS collection account.

2. Written confirmation that PRS has recalled this account and that no negative credit reporting has been or will be made.

3. Oversight to ensure XXXX corrects its processes so consumers are not wrongly sent to collections for refunds they are entitled to. 

This error has caused me stress, wasted hours of my time, and left me exposed to unnecessary harassment and potential credit harm. If I had not tracked this closely, I could have been forced to pay again or suffered credit damage for money XXXX still owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
That misrepresents my values concerning financial matters.

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 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 XXXX  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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I requested to withdraw {$8700.00} from my Robinhood account before it was closed. At that time, my linked XXXX  XXXX XXXX account was still open. Robinhood refused to release my funds while the account was active, and despite my repeated follow-ups, they never sent the money. 

Eventually, my XXXX  XXXX XXXX account was closed, and Robinhood has continued to withhold my funds up to this date. I asked Robinhood to issue a cashiers check or provide an alternative disbursement method, but they ignored my requests. 

A case was opened ( Case ID : XXXX ), but it has now been over XXXX business days without resolution. Robinhood is unlawfully holding my money, and I need the CFPBs help to require them to release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent Experian a dispute about inaccurate information on my credit report. I included my drivers license, Social Security card, and a Limited Power of Attorney so my representative could act for me. 

When I didnt get a response, I sent the dispute again on XX/XX/year> with the same documents. Instead of investigating, Experian sent me a form letter saying my request did not appear to have been sent directly by me, so they refused to process it. 

I had provided all proper identification and a valid POA. Experians refusal to accept and investigate my dispute violates the Fair Credit Reporting Act and blocks me from fixing inaccurate information on my report. Because of this, the errors remain and I have suffered credit denials and financial harm. 

I am asking the CFPB to require Experian to : Accept and process my disputes, including those submitted by my authorized representative under POA. 

Reinvestigate the inaccurate items as required by law. 

Provide me with written results and a corrected credit report. 

Attachments : Experians rejection letter ( XX/XX/year> ) Copies of my disputes ( XX/XX/year> & XX/XX/year> ) Drivers License, Social Security card, and POA

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank
State: PA

Complaint narrative:
In order to receive a credit card with First Progress, you have to send the company monies to open a credit card. Once they've received the amount of {$300.00} you will receive a credit card. 

With extremely high interest rates that increased every month was not in the agreement. Therefore, the increase was without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted the credit bureau and requested that these unathorized inquires be removed and they refuse to remove them.

I have contacted Transunion regarding the following 5 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax was contacted regarding the following 3 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pleasew provide me assistance in resolving this matter, 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 2025-09-24 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: NC

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: Albert Corporation
State: TN

Complaint narrative:
My name is XXXX XXXX. I bank with using the Albert app who holds funds at XXXX XXXX, Member FDIC. I noticed a reoccurring transaction on my account on XXXX XX/XX/XXXX with XXXX 's. After noticing this I immediately filed a fraud case with my bank. They sent messages back saying they'd investigate the matter. They responded XX/XX/XXXX stating " Hi XXXXwe reviewed the transaction issue you reported in claim # XXXX. XXXX of the transactions within this claim was submitted outside the reporting time frame and is therefore not eligible for provisional credit from XXXX. The transaction being referenced is listed below : -XXXX  XXXX XXXX XXXX XXXX XXXX for XXXX on XX/XX/XXXX Please note that we will continue investigating your claim and notify you of the outcome once available. '' I don't shop at XXXX 's online or in store and I wasn't aware of any time limit or constraint that was in place to submit any fraud case in order to receive provisional credit but I got it. 

They continued with the investigation for the other transactions. However They contacted me the morning of XX/XX/XXXX stating " After further review, have determined : Deposit ( s ) occurred immediately before disputed transactions, indicating awareness of the balance and authorization. Authorized card-present transaction ( s ) occurred after the disputed transactions, indicating a patter of authorized card spend. Disputed transactions ( s ) required a PIN, and the PIN was not shared with anyone. Based on our investigation, we concluded that no error has occurred. For this reason, no funds will be credited to your account as a result of this claim. The case is now closed. '' I'm not understanding how the case is closed. I was never at XXXX 's on those dates. I don't shop at XXXX 's in store OR online. I didn't make those purchases. Regardless of what was spent after those transactions were made. I'm just now noticing that those ( XXXX 's ) transactions were on my account. It's not like where other account will notify you of transactions being made, so those transactions went by undetected from me up until now. I'm reaching out for assistance with this matter. This isn't the first time I've dealt with fraud on my account with XXXX. I hoping someone can help me rectify this matter! 

unauthorized transactions XXXX 's XX/XX/XXXX, {$120.00} XXXX 's XX/XX/XXXX, {$2.00} XXXX 's XX/XX/XXXX, {$38.00} XXXX 's XX/XX/XXXX, {$31.00} XXXX 's XX/XX/XXXX, {$8.00} XXXX 's XX/XX/XXXX, {$30.00} XXXX 's XX/XX/XXXX, {$6.00} XXXX 's XX/XX/XXXX, {$2.00} XXXX 's XX/XX/XXXX, {$19.00} XX/XX/XXXX, {$230.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you to bring to your attention a serious error within my credit report : the presence of an unauthorized hard inquiry. This entry was placed without my knowledge or consent, and I did not initiate any application that would justify such access to my personal credit data. This type of inaccuracy not only misrepresents my financial behavior but also threatens the integrity of my credit file.

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 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I reached out to JEFFERSON CAPITAL SYSTEMS LLC, ( XXXX ) no resolution- I explained multiple times I been a victim of fraud and this is not my debt and need to remove it, it is affecting my credit and my ability to apply for any lending, I was not being heard however the lady on the phone was trying to collect something I explained is not mine. Refused to do anything about it kept saying that debt is not active but wanted to collect funds. Also when I provided them with my personal information she kept saying that my address is not my address, refused to hear me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Pursuant to the Privacy Act of XXXX, my personally identifiable information was unlawfully used, resulting in the unauthorized creation and/or use of the aforementioned account. This act constitutes a violation of federal law, including but not limited to : * The Fair Credit Reporting Act ( FCRA ), specifically : * 15 U.S.C. 1681b Permissible purposes of consumer reports ( my information was accessed without lawful purpose ) ; * 15 U.S.C. 1681e ( b ) Obligation to ensure maximum possible accuracy; * 15 U.S.C. 1681c Reporting of obsolete information; * 15 U.S.C. 1681g/h Rights to disclosure and procedures when consumer disputes accuracy.

Additionally, any misuse of my Social Security Number in connection with this account is in direct violation of the Social Security Act and applicable federal privacy statutes. 
Despite no lawful verification of identity or proof of ownership, the account has been listed as closed, which does not resolve the matter nor absolve XXXX of its responsibility in this incident. There is no record of my consent, signature, nor approval for the initiation or maintenance of said account. 
If any compensation, settlement, or reimbursement has been issued or accepted by any third party on behalf of this incident without my knowledge or consent, I demand full disclosure and remedy immediately. 
Please be advised that failure to take immediate and adequate corrective actionincluding the complete removal of any and all fraudulent records, account data, and credit reporting associated with this identity theftwill result in the initiation of a fee schedule for each ongoing violation of my consumer rights and privacy rights as protected by federal law. 
I demand a formal written response within 10 business days of this notice, along with a full investigative report and confirmation that all erroneous records have been expunged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I'm seeking compensation I believe I'm entitled to.

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 2025-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have two Chase credit cards. Due to a large refund, I ended up with a credit balance on the card of {$1600.00}. I requested a refund by phone. The first representative I spoke to at the end of XXXX ( unsure of date ) or XXXX XXXX XXXXXXXX told me that I would receive an email within 48 hours with a link to initiate an electronic transaction returning the money to my bank account. That was exactly what I wanted to happen.

Over forty eight hours later, I realized that I had not received the email to begin the transfer. I called back on XX/XX/XXXX and spoke to another representative who reiterated the same information. When she looked at my account, she was surprised that I had not received the email and submitted the request again. Telling me I should get the email link within 24 hours. I reiterated that one of my main concerns was that the transaction be handled electronically since my personal experience of late with the USPS has been far from perfect and I would not be at my mailing address for a paper check. They both assured me that an electronic link would be sent.

When that didn't happen, I called again on XX/XX/XXXX and asked for a supervisor. When I spoke to the supervisor, she then explained that they would be issuing a paper check. I tried to inform her that this solution was not going to work, since I was not at my mailing address and it would be forwarded to an address that by the time it was received, I would not be at either. Since the credit card company is perfectly happy to accept my electronic payment, I expected that they would be willing to do this much more secure solution as well.

As I predicted, the check was then sent to an address where I was not at and the USPS forwarded it to the address I was leaving. 
Now we are at XX/XX/XXXX and no check. When I spoke with another supervisor today, she said there was no recourse for me. They will issue another check. This means I will be out of MY money for at least another two weeks. They expect payment from me on time and start immediately charging me interest, but I am expected to just wait and let them hold onto my money. In this day and age, electronic transfers should be the required operating procedure, not using an extremely unsafe method of snail mail with its inherent security measures.

Company response to consumer: Closed with non-monetary relief