vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I sent an email on XX/XX/XXXX. See below. 

To Whom it may concern : I recently received a notice from your company regarding a debt you are attempting to collect. You contacted me by mail on XX/XX/XXXX, and identified the debt as XXXX XXXX, XXXX. - XXXX ( XXXX ) [ Account XXXX ]. 

Before further discussing this matter, I need additional details to ensure the debt is valid. Please provide the following information : - The name and contact details of the original creditor, along with the account number and the amount owed when it was transferred. 
- Documents showing that I am legally responsible for this debt, such as a copy of the original agreement. 
- An itemized list of the current balance, including any interest, fees, or charges added since the original creditor 's last statement. 
- Records of any payments made on the amount, along with the date of the last payment made. 
- Confirmation of whether the debt is within the statute of limitation and the basis for that determination. 

Additionally, if your company is required to have a debt collection license in my state, please provide details, including the license number and issuing agency. 

Please provide the requested details in writing and mailed to the address below. 

They provided a XXXX page document of the purchases and another XXXX page document of the contract. The XXXX page of the contract says page XXXX or XXXX. 

On XX/XX/XXXX I followed up with another email. See below. 

To Whom it may concern, I received your response with the information I requested. However, the original contractor/agreement provided was only XXXX document and did not provide the entire contract/agreement or included the applicants signature. I also am requesting proof of ownership the collection agency is authorized to collect on this debt. 

Please provide the requested documents including the entire contract/ agreement with applicants signature and proof the collection agency if authorized to collect on the list debt to the previous mailing address. 

On XXXX, I received the same documents again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CO

Complaint narrative:
I did not authorize or opened the following entries this is fraudulent information on my credit report in accordance with 15 U.S.C. 1681 C-2. The following information must be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
XX/XX/year> just under {$1700.00} was taken from my account. From XXXX XXXX. The transaction was not my doing. Numerous times I'd asked USAA to stop transactions to this company. At the time at applied for a home owner 's Grant from the XXXX  XXXX XXXX XXXX and had been approved for mortgage payments until XX/XX/year>. They state I paid my mortgage which makes no sense when I knew I was in financial difficulty and this company were going to help me. 

I've explained it to them multiple times. I have sent proof multiple times and everything has been ignored. They withdrew the money from my account after crediting it back to me in XXXX, then in XXXX only they decided that I had made the transaction and they literally took every sense from us, I explained XXXX left us destitute withdrawing all the money from our XXXX  compensation. XXXX  compensation. Can't even put food on the table, I can not buy my medication, I explained I don't know what to do. This is their problem. There has been over XXXX transactions from this account all fraudulent and this was another one they refused to accept. This is their problem and have taken the money leaving us totally penniless and practically suicidal because we don't know what to do. I have offered proof of my ISP address, my signature. To work they gave this company after being told not to mine Monday. It was not set up as a monthly order, this was done apparently over the telephone needed by myself or my husband. 

USAA can see clearly something is very wrong here they are happy to give back small amounts of money but this large sum no. 
They do not have my signature. They do not have a biometric approval. Zero. They are happy to allow us to suffer. 
Please I'm begging for help.

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 2025-07-06 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I discovered a credit inquiry on my report made by Xactus ( formerly known as Credit Plus ), which I did not authorize. I have never applied for a mortgage or any financial product that would justify their access to my credit file. 

When I contacted Xactus to request an explanation and documentation showing a permissible purpose under the Fair Credit Reporting Act ( FCRA ), they responded with a vague letter that did not identify any specific lender or provide any signed authorization from me. 

In addition, their response mentioned several companies or entities with which I have never had any business relationship, nor have I authorized any credit inquiry through them. This makes the situation even more concerning, as none of the inquiries have been properly verified or justified.

Under FCRA 604, consumer reporting agencies may only furnish reports for specific permissible purposes, which does not apply in this case. This inquiry has negatively impacted my credit score and was done without my knowledge or consent. 

I respectfully request the removal of this inquiry from all three credit bureaus ( XXXX XXXX XXXX XXXX ), and that the CFPB require Xactus to issue a formal explanation and take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: IN

Complaint narrative:
I had to keep reporting that XXXX accounts, XXXX and XXXX, had been paid in full, and that these accounts are all over XXXX years old ; yet, the credit bureaus continue to report them every single month. They are ILLEGALLY re-aging old debt and not correctly reporting as paid in full.

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 2025-07-06 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of XXXX  XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year>, XXXX  proceeded to decline and block transactions on my XXXX  XXXX XXXX while I was out of the country. This created XXXX significant and unacceptable issues. 

First, due to the time zone differences, there was no one available to assist with the issue. This is mind boggling unacceptable, that their call centers close at XXXX XXXX XXXX thus if someone is out and has a card issue they are given no support options other than a chat bot with horribly outdated information ( it still says you can't use XXXX  outside the US, for example ). 

Second, when calling during their working hours, the XXXX system makes it intentionally impossible to reach a customer service agent and only gives the customer the " options '' of hearing the standard message replayed or going back to the main menu. The only way to get to a live agent is to spam the " XXXX '' key until the system asks for the customer 's last XXXX of the account number attached to their XXXX  account. This is clearly being done intentionally to avoid helping the customer. 

Third, when finally able to reach a CSR, I am given XXXX wildly different reasons as to why the card was declined, both of which are baffling and unacceptable. The first reason I am given is that due to security concerns only a certain amount of funds can be used on a debit card per day ( {$3000.00} ) ; however my spend was significantly below that at less than {$100.00}. The second reason is that they don't know why, it might be a system error and to try again in several hours. This isn't just unacceptable it is an abject failure of XXXX  to even suggest such a solution. I am out at dinner and go to use my card and the response is to wait " several hours, try again, and hopefully the bug is fixed? '' Absolutely not!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I requested a credit increase on XX/XX/year>25 and was approved then the next day I was gon na add my wife on XXXX/XXXX/25 and they sent out information to add authorize user.On XX/XX/scrub>/25 My account for synchrony bank XXXX was closed along with XXXX XXXX, and home furnishings.I have had two cards for 3 years and have a credit score of XXXX and make enough money plus over XXXX in savings and it effected my credit by closing 3 cards.I was told on the phone that I had a prior account I didnt pay.Then the supervisor said its there believe I wouldnt be able to pay the debt.2 accounts were at XXXX and one at XXXX $ which I paid around the XXXXThey refused to give me what I asked for said a letter would be sent out.

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 2025-07-06 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: PA

Complaint narrative:
I recently receive a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks has been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
I recently receive a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks has been detrimental to my life and credit health.

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 2025-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding an alleged debt they claim I owe. I have sent them a formal debt validation request dated XX/XX/year> under the FDCPA ( 15 U.S.C. 1692g ) requesting the following : Name of original creditor Complete itemization of the debt Copy of the original contract Legal authority to collect in my state Chain of assignment They have failed to provide any of the required documentation and continue to report this unverifiable debt to credit bureaus. This is a clear violation of the FDCPA and FCRA. 

I request the CFPB take action and direct the company to provide full documentation or cease all collection and credit reporting activity. Attached is my validation letter and proof of mailing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XXXX, my XXXX XXXX was involved in an accident and declared a total loss. My insurance and XXXX insurance paid off the vehicle. Later, Ally claimed I still owed {$1800.00}, but I never agreed to pay this amount or entered into any new payment plan. I stopped hearing from them, and the account should have been closed. 

Recently, Ally began reporting this account as if Im currently XX/XX/XXXX days late, even though I haven't made any payments or agreements since XXXX. This is damaging my credit and is inaccurate reporting under the Fair Credit Reporting Act. I requested validation and a breakdown of the debt, but they did not provide it. The statute of limitations has also expired.

Im requesting that this inaccurate account status be corrected and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
My information was involved in the XXXX XXXX Data Breach and the Equifax Data Breach and i would like to remove all negative items listed from my credit report XXXX XXXX {$16000.00} XXXX XXXX XXXX {$5800.00} XXXXXXXX XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXXXXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXXXXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reached out to Chase to request a refund. They told me I had reached my quarterly limit for overdraft reversals. However, I explained that this wasnt just a routine overdraft the fees themselves were what caused my balance to spiral further. I was not engaging in excessive spending ; the account was simply unable to recover once the first fee hit, and it became a cycle of penalties. 
I asked for a policy override due to financial hardship and the fact that Chases own practices caused the ongoing overdrafts. They refused. I feel this is unfair and exploitative, especially during a time of financial stress.

Company response to consumer: Closed with monetary relief