vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
I received a letter in the mail from Protas , Spivok & Collins , LLC, stating that they were taking me to court over a debt originally from XXXX now with XXXX XXXX. I called and spoke with XXXX XXXX from the firm. During that conversation, I explained that I had been unemployed for a long time, and after graduating from college, I had only been able to find temporary work under a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told him I wanted to make payments of {$100.00} a month to stay in good faith. XXXX XXXX told me the law firm does not accept that at all. 

Despite this, I have been doing my best to stay afloat and make {$200.00} payments whenever I am able. Over the course of a month I had attempted to reach XXXX. On Friday, XX/XX/year>, I called the firm again attempting to make a payment. Unfortunately, before I could speak with anyone, other bills cleared from my account, and I was unable to authorize the payment at that time. I was transferred to voicemail and left a message requesting a callback, but I never received one. 

Instead, that same day, I received an email from XXXX XXXX at the law firm stating that a {$200.00} payment had been processed. I never gave authorization for this payment. In fact, I had previously told the firm not to keep my card or account information on file. This unauthorized charge caused my account to go negative and created additional overdraft fees, worsening my financial hardship. 

On XX/XX/scrub>XXXX XXXX  I had called the law office ; no one had picked up the call, and an associate called me back. I had told him that XXXX never called me back. I told him I left a voicemail asking for a call back so I could make a payment, but I did not authorize a payment. The associate then asked, " Are you sure you didn't give authorization? '' and I told him repeatedly that I was certain of that because each time I called I had a witness there to verify what I said. He then said he had to investigate the matter, but the {$200.00} could not be reversed. He stated he would get back to me by the end of the day, and he never did. He also told me that they had my bank information on file, and originally when I spoke to my initial associate, XXXX XXXX, I was never notified of that. 

This conduct is unacceptable and does not follow fair debt collection practices. I have been transparent with the firm about my financial struggles, but instead of working with me, they processed an unauthorized transaction without my consent. Additionally, I am going to be unemployed by next Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act, specifically USC 1681g, these incorrect accounts should be removed within 15 days.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX  XXXX XXXX Balance {$460.00} XXXX  XXXX XXXX Balance {$1000.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$880.00} XXXX XXXX XXXXXXXX Balance {$310.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$520.00} XXXXXXXX XXXX XXXXXXXX Balance {$4400.00} XXXX XXXXXXXX Balance {$800.00} XXXX XXXX Balance {$810.00} XXXX XXXX Balance {$3800.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX {$900.00} XXXXXXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance {$2300.00}

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX  XXXX XXXX Balance {$460.00} XXXX  XXXX XXXX Balance {$1000.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$880.00} XXXX XXXX XXXXXXXX Balance {$310.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$520.00} XXXXXXXX XXXX XXXXXXXX Balance {$4400.00} XXXX XXXXXXXX Balance {$800.00} XXXX XXXX Balance {$810.00} XXXX XXXX Balance {$3800.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX {$900.00} XXXXXXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
To : Experian / Equifax / TransUnion From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Re : Identity Theft, Data Breach Dispute & Demand for Permanent Blocking of Fraudulent Accounts FTC Report Number : XXXX XXXX Dear Compliance Officer, I am writing to you as a victim of identity theft and recent data breachrelated criminal activity. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681c-2 ( Section 605B ), and 1666b, I formally dispute the fraudulent accounts listed below and demand their immediate and permanent removal from my credit file. THESE ACCOUNTS ARE TO BE REMOVED IN 4 BUSINESS DAYS PURSANT OF 605B FCRA LAWS!

Fraudulent Accounts Identified XXXX XXXX XXXX XXXX Account No. : XXXX Amount : {$16000.00} Date Fraud Began : XX/XX/year> XXXX  XXXX Account No. : XXXX Amount : {$420.00} Date XXXX XXXX : XX/XX/year> Both accounts were opened without my knowledge or consent and are the direct result of identity theft and ongoing data breaches by 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 non-monetary relief
Consumer complaint received 2025-09-04 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:
To : Experian / Equifax / TransUnion From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Re : Identity Theft, Data Breach Dispute & Demand for Permanent Blocking of Fraudulent Accounts FTC Report Number : XXXX XXXX Dear Compliance Officer, I am writing to you as a victim of identity theft and recent data breachrelated criminal activity. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681c-2 ( Section 605B ), and 1666b, I formally dispute the fraudulent accounts listed below and demand their immediate and permanent removal from my credit file. THESE ACCOUNTS ARE TO BE REMOVED IN 4 BUSINESS DAYS PURSANT OF 605B FCRA LAWS!

Fraudulent Accounts Identified XXXX XXXX XXXX XXXX Account No. : XXXX Amount : {$16000.00} Date Fraud Began : XX/XX/year> XXXX  XXXX Account No. : XXXX Amount : {$420.00} Date XXXX XXXX : XX/XX/year> Both accounts were opened without my knowledge or consent and are the direct result of identity theft and ongoing data breaches by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm reaching out to demand the immediate deletion of a tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it is not being reported with the maximum possible accuracy, as required by law. Thats not just a technicality thats a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

Let me be clear : If you can not report this tradeline with 100 % precision down to every detail, from dates to balances to payment history then you have no legal right to report it at all. Reporting partial, inconsistent, or unverifiable data is not only misleading, it directly damages my creditworthiness and credibility as a consumer. Thats not something I take lightly.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 a victim of identity theft. While i was out of town someone burglarized my home and stole my social security car and birth certificate and obtained a drivers license. They purchased a car and credit card and loans in my name.

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 2025-09-04 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 a victim of identity theft. While i was out of town someone burglarized my home and stole my social security car and birth certificate and obtained a drivers license. They purchased a car and credit card and loans in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I never applied for a credit card from milestone mastercard or any other credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
I request the removal of fraudulent inquiries from my credit report. I have never attempted to obtain a vehicle, and I do not want to see these inquiries or this information listed in my credit report. The inquiries originate from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/2025. Please remove these inquiries where my data was breached and stolen from all three of these entities. Failure to do so will necessitate legal action.

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 2025-09-04 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: LA

Complaint narrative:
I request the removal of fraudulent inquiries from my credit report. I have never attempted to obtain a vehicle, and I do not want to see these inquiries or this information listed in my credit report. The inquiries originate from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/2025. Please remove these inquiries where my data was breached and stolen from all three of these entities. Failure to do so will necessitate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiated a balance transfer of {$3400.00} from XXXXXXXX XXXX  to my Citi credit card on XX/XX/year>. As of today, over a month later, it is still unresolved. 

On XX/XX/year>, I called Citi to check the status because the transfer was still showing as pending balance of {$3500.00} yet I my overall balance was {$0.00} and I only had {$98.00} available out of a {$3600.00} limit. The representative told me that XXXX had received the check on XX/XX/year>, and even suggested I call XXXX to confirm that they received it. The rep said she could not tell me the address they sent to the check to, but could confirm it if I gave her the address. While verifying the address with her, she abruptly informed me that she had cancelled the check without my request or authorization. She later admitted she had made the assumption and apologized. 

I asked to speak to a supervisor but was placed on hold for over 20 minutes until I could not wait longer. I am now being told I must wait another XXXX business days for Citi to reissue the balance transfer, which means I will likely be charged additional interest by XXXX  through no fault of my own. 

This delay and mishandling stem entirely from Citis mistake. I am requesting : Immediate reissuance of the transfer via expedited means, Preservation of the original promotional terms, Reimbursement of any extra interest or fees I incur, Written confirmation that my credit report will not be negatively impacted. 

Citis representative admitted fault, and I encourage review of the call recording from XX/XX/year> to verify the mishandling.

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 monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, AZ XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Synchrony Bank Account No. XXXX {$3300.00} To Whom It May Concern : This letter is a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. You are to cease all communication with me regarding the above-referenced account, except as permitted by law.

You are further instructed to delete all reporting of this account from XXXX XXXX XXXX XXXX as continued reporting without compliance constitutes a violation of the Fair Credit Reporting Act.

Failure to comply will result in complaints to the Consumer Financial Protection Bureau and the State Attorney General, along with pursuit of all remedies available under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 am a victim of identity theft under 18 U.S.C. 1028. Fraudulent accounts were opened in my name without my knowledge or consent, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). I did not apply for, open, or authorize the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate account ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Auto ( two accounts ) XXXX XXXX XXXX XXXXXXXX of XXXX XXXX Bank These accounts were opened without my authorization and do not belong to me. I have disputed them with the creditors and the credit reporting agencies, and I am requesting that they be investigated, permanently removed from my credit file, and that I not be held responsible for any balances or collection activity. 

I respectfully request written confirmation once the accounts have been deleted from my credit reports and assurance that no further attempts to collect on these accounts will be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
I created a Venmo account 14 or so hours ago. I had money put on the account. They froze my account with my money in it. I contacted customer support and they told me that a different tem needs to deal with the problem and kicked me out of the chat. I contacted again and they asked if I received an email and I said no I did not and then they said someone would be getting ahold of me withing XXXX to XXXX business days and kicked me out of the chat for a second time. Contacted a third time telling them that I wanted my money out of the account and the kicked me out of the chat a third time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXXXXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$1800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief