vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank
State: GA

Complaint narrative:
On or around XX/XX/year>, a check or draft in the amount of {$180.00} was created and presented for payment using my XXXX  XXXX XXXX business account information. The check was not issued or signed by me, and it falsely stated : Authorized by your depositor No signature necessary Preauthorized by your account holder.

I never authorized this transaction, did not sign any check, and never provided preauthorization to Synovus Bank, XXXX, or any related party. The check was processed without my knowledge or consent and resulted in an unauthorized withdrawal from my account. 

My bank ( XXXX  XXXX XXXX ) flagged the transaction as fraudulent, and I was advised by their fraud department to immediately close my business account, resulting in : Business interruption for over a week, Administrative burden to re-establish account services, Reputational harm with vendors and clients, Direct and indirect financial losses. 

After initiating a formal demand to Synovus Bank, I received a letter dated XX/XX/year>, from their legal counsel offering a refund of {$180.00}. However, the letter attempted to shift blame to XXXX, citing Georgia statute O.C.G.A. 13-6-15 ( b ). That law does not authorize a third party to unilaterally draft a check or debit a consumers account without express permission.

Regardless of whether Synovus delegated collections to XXXX, Synovus is still legally responsible for the conduct of its authorized agents and for presenting financial instruments through its channels. This unauthorized transaction violates : UCC 4-207 and 3-417 ( Presentment Warranties ), O.C.G.A. 7-1-353 ( Unauthorized Withdrawals ), Regulation E ( Electronic Funds Transfer Act 12 CFR 1005 ), Check 21 Act ( 12 USC 5001 et seq. ).

I am not a Synovus customer. I have no contractual relationship with Synovus Bank. Yet Synovus, through XXXX, facilitated a transaction that misused my account information and caused substantial harm to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to substantiate my claim.

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 2025-09-15 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Formal Complaint Regarding PayPal Dispute Handling To Whom It May Concern, I am filing this complaint regarding PayPals repeated denial of my open disputes. Despite clear evidence of fraudulent purchases, PayPal closed my cases almost immediately, without proper investigation.

PayPal advertises strong buyer protection, yet in practice, consumers are left without recourse. As an executive with over 30 years of consumer advocacy experience, I find this practice misleading and harmful.

I request that PayPal be required to : 1. Reopen and fairly review my disputes.

2. Provide a clear explanation of their denial process.

3. Ensure consumer claims are investigated by qualified staff, not automated systems.

Consumers fund PayPals platform, yet our protections are being eroded. I ask for regulatory oversight to ensure PayPal honors its stated policies and obligations.

The CFPB will force PayPal to respond directly to me in writing. The NC Attorney General will log the complaint for state-level pressure. Together, these actions are necessary to ensure accountability. 
Sincerely, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
On reviewing my credit reports from TransUnion, XXXX, and XXXX, I noticed multiple hard inquiries that I did not authorize and for which I never applied for credit. These inquiries are negatively impacting my credit scores. 

The inquiries in question are : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not give consent to these companies to pull my credit, nor did I submit any credit applications with them. These inquiries were made without my knowledge or authorization. 

I have not been contacted by these companies regarding any applications, and I have not applied for loans, credit cards, or financing with them during this time frame.

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 2025-09-15 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
Several companies have gained unauthorized access to my credit report, directly harming both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries remain. This failure to act is unacceptable. 

The continued presence of these unauthorized and potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding TekCollects attempt to collect an invalid debt on behalf of XXXX. 

XXXX shut down on XX/XX/year>, before I was able to complete treatment. I was still within the 30-day refund eligibility period under their policy when I received my XXXX, which were unfit. Under my contract, XXXX promised to support the treatment and replace unfit XXXX  as needed, or provide a refund within the eligibility period. Instead, the company shut down before either option could be honored. 

I paid for my treatment through XXXX. Because XXXX failed to respond, XXXX resolved the dispute in my favor and refunded my payment. 

Despite this, TekCollect has continued collection efforts. I contacted TekCollect using the email address they provided, but I have not received any response. Given these facts, TekCollect has no basis to pursue collection or report this account on my credit file.

I respectfully request that the CFPB investigate this matter, ensure that TekCollect ceases all collection activity, and confirm that no negative information related to this invalid debt appears on my credit report.

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: LA

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 : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} 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 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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit
State: GA

Complaint narrative:
Information on my credit for report is not accurate.

The account in question should have aged off my report ; however, it appears that the furnisher has illegally re-aged or updated the account, causing it to continue reporting past the allowed time limit. This is a violation of the FCRA.

I request that this item be immediately investigated, corrected, and permanently deleted from my credit report. Please provide me with written confirmation once this correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> funds were removed from my account without my knowledge or consent. These funds were issued to me as XXXX XXXX ( XXXX ) payments, meant to cover my essential living and medical expenses while on medical leave. 

When I called customer service, I was told the transaction was categorized as a withdrawal and was final. I asked for the withdrawal to be reversed and was denied. I later contacted the collections department, who stated that the bank had the right to seize funds from my account due to a clause in the original loan agreement. 
However, I was never notified in advance of this withdrawal. I later learned they claimed to have mailed a notice to an address I had not lived at for some time, despite having updated them that due to my specific hardship my address would not be stable. 

I believe this action was unfair and predatory, especially given the nature of the funds ( disability-related ) and the lack of proper notice. No clear breakdown, itemization, or options were offered to resolve the matter before they seized the money.

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 2025-09-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened a dispute on XX/XX/XXXX with BOA in the amount of {$3500.00}. 
I received a letter dated XX/XX/XXXX stating the merchant had 45 days to respond. 
I checked XXXX with boa and was told the merchant has not responded and they have 45 Business days to respond, not days. 
I checked XX/XX/XXXX with boa and was told the merchant has not responded and they have 90 days to respond, not 45, this was not acceptable since the letter clearly stated 45 days. 
I checked XX/XX/XXXX with boa and was told the merchant has responed on XX/XX/XXXX nearly 4 weeks ago and I have not received any information nor has any additional information been requested even though the confirmed date of XX/XX/XXXX has passed ( the 45 days the merchant had to respond ) BOA should keep me informed and provide updates. They shouldnt go silent after the 45-day window. 

If the merchant really responded on XX/XX/XXXX, Bank of America had 2+ weeks before the XXXX deadline to properly inform me. 

Instead, they waited until after the deadline to mention it, and only after I continued to press the issue continued stalling. 

I have not been issued a copy of the merchants response ( proof of delivery, documents, etc. ) so I can challenge it. I have been given zero information.

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 2025-09-15 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is engaging in ongoing, misleading credit reporting practices that have not been corrected despite multiple disputes. My concern at this stage is no longer limited to validation, but rather PRAs pattern of furnishing unverifiable and inconsistent information to XXXX. 
1. Duplicate and Mis-Masked Accounts PRA is reporting two different accounts ( ending in XXXX and XXXX ) under the same masked number ( XXXX ). This creates confusion, misleads creditors, and violates XXXX XXXX requirements for unique account identifiers. PRA has been notified of this error but continues to report both accounts.

2. Improper Date Opened and Possible Re-Aging XXXX  shows Date Opened as XX/XX/XXXX and XX/XX/XXXX for accounts that originated in XXXX and XXXX. By furnishing dates that make the debts appear newly created, PRA misrepresents the true age of the accounts, potentially extending how long negative data remains on my credit file.

3. Failure to Provide Legally Sufficient Documentation When asked for documentation proving ownership and accuracy, PRA only provided a generic letter and old billing statements. They have never produced a bill of sale that includes my name/account, a chain of title, or an itemized accounting of the balances. This failure leaves the tradelines unverified under FCRA and FDCPA standards.

4. Pattern of Ignoring Disputes This is now the third time I have disputed these accounts directly through the CFPB, and PRA has repeatedly ignored or sidestepped the core issues. Continuing to furnish disputed, unverifiable, and inconsistent information may constitute willful noncompliance with the FCRA ( 15 U.S.C. 1681s-2 ( b ) ) and failure to conduct a reasonable reinvestigation under 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Professional Finance Company, Inc.
State: NC

Complaint narrative:
I received what may be a scam message about a debt from XXXX XXXX. I contacted XXXX XXXX directly and was informed I have no outstanding accounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief