vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
am filing a complaint against Portfolio Recovery Associates ( PRA ) for reporting an unvalidated debt on my credit report. 

PRA account is appearing on my credit reports. I have sent PRA three formal debt validation requests on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, specifically asking for a copy of the original contract bearing my signature. Each time, PRA failed to provide the signed contract, only sending generic account printouts which do not validate my legal obligation to this debt. 

Despite PRA 's failure to provide proper validation, I disputed this account with the credit bureaus ( XXXX XXXX XXXX ). They reported the account as " verified as accurate '' but provided no explanation or documentation on how they verified it, especially given PRA 's inability to produce the signed contract.

I believe PRA is reporting inaccurate and unverified information, and the credit bureaus are failing in their duty to properly investigate. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: WI

Complaint narrative:
I do not have any debts, but I've gotten several calls from several XXXX numbers over the last few months since XXXX. It's clearly a robotic caller that uses a strange bastardization of my name and refuses to give any information until i give them my date of birth and social security number for 'confirmation '. When I call back they say they are 'Alliance XXXX collection agency ' which I've never heard of or had any dealings with. The numbers they've used are XXXX, XXXX, and XXXX. There is no other communication from them except for constant scam calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts.These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts.These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
On XX/XX/year>, Relay Financial closed my LLCs checking account with a balance of approximately {$77000.00}. Prior to closure, the funds had been placed on hold without explanation. 

I specifically asked Relay to confirm whether the hold was due to : - a court order, - a government seizure or forfeiture notice, - an XXXX designation, or - a bankruptcy proceeding. 

Relay has not confirmed or denied whether any of these apply. They have not provided any statute, regulation, or legal process justifying the continued hold on funds. 

Instead, Relay has only referenced a XXXX compliance review. However, they have not cited any regulation or legal authority that would allow them to hold customer funds for such a period absent a lawful order or regulatory requirement. 

Despite multiple requests for clarification and release, Relay continues to withhold my companys lawfully deposited funds, causing significant harm to the business. 

I request that the CFPB investigate and require Relay to immediately release the funds or provide the specific legal authority under which they are being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to express my serious concerns regarding issues with my personal bank account at Prosperity Bank, which is linked to my business activities for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

On Friday, XX/XX/XXXX, I received a call from Prosperity Bank questioning multiple wire transfers that had been deposited into my personal account from investors over the past XXXX to XXXX months. I confirmed the nature of these wires with the bank. 

Subsequently, I was informed that Prosperity Bank 's fraud department contacted XXXX of my investor 's banks and, without any prior approval or substantiation of fraud, alleged that I am involved in a scheme. This action has severely impacted my company by holding my funds, damaging my business, and harming my reputation with my investors. Furthermore, my employees have been negatively affected as they have not received their pay for work performed. 

Prosperity Bank has refused to provide me with any additional information regarding this matter, and the branch XXXX has declined to connect me directly with the fraud department to resolve this issue. At this point, my funds are being held by the bank without any approved reason or supporting documentation. 

I urge you to investigate this matter thoroughly and provide a resolution immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>.. Always add month and year. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding andpromptaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My complaint is with Apple Card from Goldman Sachs. 

On XX/XX/XXXX I went to pay my total XXXX balance using XXXX different methods. XXXX was my XXXX XXXX  which worked fine. The other XXXX was a payment of {$1000.00} from XXXX XXXX XXXX  and a total of {$170.00} in XXXX XXXX managed by XXXX itself. Both these payments failed and I have not been given a reason. 

I paid in full the next day, even paying over the amount owed, on XX/XX/XXXX. Even though I was only XXXX day late, I am being charged interest continually from Goldman Sachs. I am up to over {$94.00} in interest. 

On XX/XX/XXXX I reached out to understand why I was still being charged interest. I was not given a clear reason. At that point I only had {$76.00} in interest accrued and I was told, via a multi-hour chat session, that since I had paid off the balance I would not be charged additional interest. I was given a XXXX time credit of {$25.00}. 

Then, I went to check a week later and, again, the interest had increased to {$91.00} total. I called on XX/XX/XXXX and was told, again, I had to PAY OFF MORE to stop the interest, which was different from what I was told a week earlier. Then, I paid more and the next day I was charged {$3.00} more. 

I can not get a straight answer and every time I communicate with them I get a different response. I asked to escalate to a manager and I was told a case would be opened. The case was opened and I received a call back that told me nothing had changed. Since paying on my XXXX balance on XX/XX/XXXX I did not have interest showing until today, again, Im showing {$28.00} in interest even though I have no outstanding balance. 

I believe that Goldman Sachs is deliberately giving me incorrect information. I believe they gave me the {$25.00} credit in bad faith and told me the interest would stop. Then they allowed the interest to increase more so that the {$25.00} was earned back by them. 

They still can not tell me the amount I need to pay off my balance to make the interest stop. They are lying and cheating and wont allow me to talk to someone who can help. And this all started because they failed my payment without explaining why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
I received a letter via text message, in XX/XX/year>, stating who they were and what their mission was. I was given a few options. One option was to write to them by XX/XX/year>, and they would stop the debt collection until I received the requested information. I wrote to them on XX/XX/year>, requesting debt validation. I never received this information. The debt showed up on my XXXX  credit report in XX/XX/year>. They did not give me a chance to clear this up before sending it to XXXX. There are XXXX separate hits, {$3100.00} and {$900.00}. 

It is now XX/XX/year>, my credit score has been impacted significantly, and they are not willing to help or negotiate in any way. I do not think it is fair that they sent it on to XXXX  before the deadline on the letter. It should not have been sent until after XX/XX/year>, if I did not contact them. 

Please contact me for any additional information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCERN, THIS DOCUMENT AND ALL ENCLOSED MATERIALS HAVE BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX XXXX 
I am formally disputing inaccurate information on my credit report under the FCRA, 15 U.S.C. 1681i. Your past legal violations raise concerns about your ability to process disputes lawfully : Equifax ( XXXX ) Fined {$15.00} XXXX for violating FCRA dispute-handling regulations. 
Experian ( XXXX ) Sued for re-inserting errors into credit files after disputes. 
TransUnion ( XXXX ) Lost a {$60.00} XXXX jury verdict for damaging consumer reports. 
To ensure full compliance, I require a written response sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY ( XXXX XXXX ). I expect your immediate compliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
A cash deposit was made before closure ( I have deposit receipts and account statements confirming balances ). 

Since closure, PNC has provided conflicting explanations of where my money is : I received statements which indicated the funds were moved to the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. The account was closed on XX/XX/year>. 
I was told at another point that the money was transferred to escheat/unclaimed property. 
Most recently, XXXX another representatives stated the funds were not escheated. 

Despite repeated follow-ups, promised callbacks, and even my family member going into a branch to verify the cash deposit, PNC has failed to provide a clear, written explanation or return of my funds. 

I am requesting that PNC : XXXX. Provide written confirmation of the exact location/status of my funds. 
XXXX. If funds remain with PNC, immediately issue me a cashiers check or direct deposit for the full amount. 
XXXX. If funds were escheated, provide the state, date of transfer, and reference information so I can claim my money. 

This situation has caused me unnecessary hardship, stress, and wasted time. I am requesting the CFPBs urgent assistance in compelling PNC to return my money or provide the proper documentation so I can recover it.

Company response to consumer: Closed with explanation