vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding Gulf Coast Collection Bureau for multiple violations of the FDCPA and improper handling of my dispute. 

1. I sent the collector a written cease-and-desist via certified mail on XX/XX/year>. 


2. Despite this, I received a robocall voicemail from the collector on XX/XX/year>. 


3. This is a prohibited communication under FDCPA 805 ( c ) because the collector received written notice to cease communication. 


4. The collector then responded to a prior CFPB complaint by attaching documentation that does not belong to me, belongs to a different case number, and predates my complaint. 


5. The attached file was unrelated to my account and demonstrates they did not conduct a proper investigation.

6. In their CFPB response, the collector falsely stated that communication had ceased and that my account was placed in disputed status, which contradicts the voicemail I received.

7. These actions amount to misrepresentation under FDCPA 807 and failure to conduct a reasonable investigation.

8. I am requesting a regulatory review of their compliance practices and the removal or closure of the account since they failed to properly validate and mishandled the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
I understand how its alarming when your Cash App Card isnt operating as normal, but I can share more info about whats happening here. Your card was deactivated by Cash App, so you wont be able to use that feature moving forward. The majority of your account will operate as normal though, like sending or receiving payments. Please be aware that you will not be able to order a Cash App Card in the future as this feature has been deactivated on your account. You are welcome to use other Cash App features however, such as sending and receiving payments. This is what cash app has sent me but will not tell me why or how to fix it. I don't understand what I could have done so bad to where I am banned for life from a prepaid debit card. I want to know why and how to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Imperial Finance Corp
State: NY

Complaint narrative:
XXXX'Imperial Finance Corporation served me papers at my apartment building when I was XXXX  and I was never aware I was served. They escalated it to file a judgement against me, which left me little to no time to gain legal representation. I tried to file a temporary restraining order/order to show cause, but the judge said I didnt serve the papers correctly. I have sent Imperial Finance Corp a debt validation letter and emailed the company asking for signed loan contracts. They have not provided any signed loan contracts. XXXXThey have engaged with an attorney, XXXX XXXX XXXX XXXX XXXX XXXX XXXX who has issued multiple liens on multiple accounts of mine: XXXX XXXX XXXX XXXX XXXX Today I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  stating a Notice of Garnishment.XXXXI have continued to dispute any amount owing to this original loan company, XXXXI was not given a fair chance to properly defend myself as I was not served fairly, nor is the debt valid as I was not provided signed loan contracts. XXXXI greatly need help with this matter as they are threatening to go after my paycheck now and I have recently been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are preventing me from acting quickly and soundly enough to handle this matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB : I am writing to bring to your attention Transunion failure and refusal to delete the collection record from my credit report despite XXXX 's submission to the CFPB that the collection record should be deleted. I have provided documentary evidence of XXXX 's submission to the CFPB that the collection record should be deleted. 

Yet, Transunion is refusing and has failed to delete the record. Please CFPB can you investigate this on my behalf.

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 2025-11-23 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and TransUnion has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$850.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00}.

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 non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, I deposited a personal check in the amount of {$2800.00} into my checking account. The check was issued by XXXX XXXX XXXX and made payable to XXXX XXXX XXXX. On XX/XX/year>, Bank of America returned the check as Altered/Fictitious and reversed the deposit. 
I did not alter, create, or knowingly deposit a fraudulent check. I acted in good faith and was targeted by a scammer. The reversal caused an overdraft and fees on my account. I filed a police report with XXXX XXXX XXXX in XXXX XXXX, Washington to document the fraud. 
I am requesting that Bank of America conduct a fraud-victim investigation, process a Check XXXX claim, waive any fees, and provide hardship assistance or forgiveness for the overdraft caused by this scam. I am seeking CFPB assistance because the bank is holding me responsible for a loss caused entirely by criminal activity.

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 2025-11-23 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: NY

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-11-22 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: CA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My experienced date of birth is wrong. ( Show XXXX ) Equifax lists an address where I never lived, TransUnion lists and employer. that is not current and all 3 agencies are reporting a Tab/Sunbit, charge off that is inaccurate and unverified. They are also reporting unauthorized inquires from auto dealers i never authorized. I formally disputed these items and the agencies failed to correct them.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX that is inaccurate and causing ongoing harm to my credit score. I previously disputed this account with the credit bureaus and provided official documentation from the apartment/property management confirming that my balance was {$0.00} at move-out. Despite providing proof, XXXX XXXX XXXX continues to report this debt as owed and placed for collection. 

This reporting is false, incomplete, and violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The information has not been corrected after multiple disputes, and it is negatively affecting my credit score and ability to obtain housing and credit. 

I am requesting that the CFPB investigate XXXX XXXX XXXX and that this inaccurate collection be corrected or removed from my credit reports immediately.

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 2025-11-22 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: FL

Complaint narrative:
I am filing a complaint regarding Experians inaccurate and unlawful reporting of a XXXX XXXX XXXX  credit card account on my credit file. I formally disputed this account with Experian, and they verified it without correcting multiple violations of the Fair Credit Reporting Act ( FCRA ). 

1. Illegal Re-Aging ( FCRA 602 ( A ), 605 ( a ), 623 ( a ) ) Experian is reporting CO ( charge-off ) every month for several consecutive years ( XXXX through XXXX ). 
This is illegal re-aging because : A charge-off can only occur once, not monthly No new late payments or CO notations can be added after the account is charged off Updating derogatory dates extends the reporting period unlawfully 2. Status Date Manipulation Experian shows the status updated in XX/XX/XXXX even though the account first became delinquent years before. 
This artificially extends the derogatory effect and violates FCRA requirements for aging accuracy. 

3. Conflicting and Misleading Status ( FDCPA 807 ) The account is reported as : {$610.00} written off AND {$610.00} past due A balance can not be both written off and past due. 
This is contradictory, misleading, and harms my creditworthiness. 

4. Missing DOFD ( FCRA 623 ( a ) ( 5 ) ) Experian failed to report the Date of First Delinquency ( DOFD ), which is legally required.

Without the DOFD, the 7-year exclusion period can not be calculated, which is a violation of the FCRA.

5. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) I previously disputed this account. My Experian report clearly displays : Account information disputed by consumer. 

However, Experian did not : Correct any of the inaccuracies Investigate the illegal re-aging Address the contradictory balance statuses Provide verification of DOFD Respond with any documentation supporting the reporting They simply verified the account without addressing the legal issues.

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 2025-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
AARGON agency XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, illegally purchased XXXX $ in medical debt and did not contact me in any fashion. 

South Carolina bill H. 4149 section 37-5-120 states ( B ) Creditors and debt collectors are prohibited from reporting to any consumer reporting agency consumer debt obtained from services rendered at a South Carolina medical facility. 
( C ) Consumer reporting agencies are prohibited from including consumer debt obtained from services rendered at a South Carolina medical facility on a consumer report. 

This company engaged in illegal practices.

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 2025-11-23 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: PA

Complaint narrative:
I, XXXX XXXX, XXXX last XXXX XXXX, recently reviewed a copy of my credit report, and I noticed had fraudulent accounts on my report. Please block and remove these accounts from my report ; they have been hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year> I was charged an excessive interest penalty. I just discovered this today because I have not received any statements... written or emailed. I have been just paying autopay. 

I am filing a complaint regarding a deferred-interest charge of {$1500.00} placed on my CareCredit/Synchrony Bank account ending in XXXX. The amount of this penalty exceeds my existing balance of {$1400.00}, and it was assessed without proper notification or access to any valid dispute mechanism. 



1. I did not receive monthly statements or email notifications I was unknowingly moved to e-statements without clear consent.

I received no physical statements and no email reminders whatsoever leading up to the expiration of the promotional financing period.

Thus, I had no notice that the promotional period was ending.

2. Synchrony failed to provide a functioning dispute channel When I attempted to dispute the charge : My online account does not have a Message Center Secure Email links redirect me to features that do not exist Synchronys customer service confirmed they have no email or secure upload link for this type of dispute I was repeatedly directed in circles, with no accessible method to submit a dispute electronically This appears to violate the requirement that lenders must provide a clear and accessible dispute process. 



3. The penalty is disproportionate and unreasonable My remaining promotional balance was {$1400.00}.

The deferred-interest charge was {$1500.00}, which is greater than the original balance. 



I have a long history of responsible payment behavior and have never missed a promotional payoff before. I pay hundreds of dollars monthly on this account and would have paid this balance on time had I been notified. 



4. Synchrony provided conflicting mailing addresses Customer service ultimately provided one address for disputes, and the website and other departments list a different address. This further obstructed my ability to file a timely dispute.

5. I am requesting the CFPBs assistance I am asking the CFPB to review Synchronys practices regarding : Failure to provide monthly statements Failure to provide any electronic notification Forcing consumers into e-statements without meaningful consent Lack of any accessible electronic dispute mechanism The disproportionate nature of the assessed penalty I am requesting that the {$1500.00} deferred-interest charge be reversed and the account corrected.

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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates is attempting to collect and furnish information on a debt they can not validate, verify, or prove they legally own. I have no contract, agreement, or relationship with PRA. They claim to have purchased a debt, but have not identified the original creditor or provided any documentation from the alleged original creditor.

I mailed PRA a formal written dispute and validation request pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). PRA has failed to provide : A signed contract or agreement The name of the original creditor Itemized accounting from day one A bill of sale with my name Chain of assignment Any documentation proving they own or have the right to collect this debt Despite failing to validate the account, PRA continues collection activity, including
furnishing negative information to the credit reporting agencies. This violates both FDCPA 809 ( b ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), which require a debt collector to stop all collection activity and report only verified, accurate information.

PRA has also failed to mark the account as disputed, despite receiving my written dispute. 

PRA has a known pattern of failing to validate accounts and was previously penalized by the CFPB in XXXX and again in XXXX for materially similar conduct. I am requesting that the CFPB review PRAs ongoing violations, require them to provide complete documentation from the original creditor, and remove any unverified or inaccurate reporting from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation