vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I contacted my financial institution and was advised a hold on my only financial accout, ( checking ) and was advised a " garnishment hold '' was placed on my account. I contacted the agency on file for a " bank garnishment hold '' and was told they were unable to provide me with the original debt origins, that an " email has been sent '' and that my call would be returned. When call was returned I immediately disputed the so called debt and further notified XXXX XXXX that I had already paid a visit to my County Courthouse and that there are ZERO hearings and or suits filed in my name. I was advised that the dispute had been filed and to contact my banking institution 's legal department in regards to the hold. I am stuck in financial distress since my only means to my funds are on a garnishment hold for a debt that has a current dispute filed with ZERO legal proceedings filed against me and ZERO negative hits against my credit on a debt that either isn't mine or beyond the statute of limitations for the state of Georgia. This has to be not only an unfair but illegal tactic that this " debt collector " is using to " bulldog '' victims into paying a debt that isn't theirs or being stuck in limbo on a garnishment hold with ZERO legal proceedings to dispute the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am being harassed by Portfolio Recovery Associates. They are Filing a lawsuit for a time-barred debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). They are engaging in illegal collection practices. They have LEVIED MY PAYCHECK, THEY CONTINUE TO SEND HARASSING LETTERS TO MY EMPLOYER THUS SLANDERING MY NAME AND REPUTATION WITH MY EMPLOYER AND CAUSING GREAT HUMILIATION AND EMBARRASSMENT. This not only jeopardizes my job but my livelihood to provide for my family and XXXX wife. They also are harassing my XXXX wife. Due to Levy and Court issued letters I have stated the statute of limitations to those I was told to contact and myself and family continues to be harassed annually. My poor XXXX wife was even threatened by the handling attorney to make payment not knowing her rights made to cry and forced to give his banking information out of fear. Under FDCPA and state law : They can not sue you They can not garnish wages They can not freeze/levy bank accounts They can not imply youll be sued This is a serious violation!

Known Docket numbers sent to employers and court not including others they may have. 
XXXX, XXXX, XXXX. I need my payroll to be returned immediately, these garnishments arent just illegal, but they are causing financial hardship to my family and taking away needed funds to take care of my XXXX wife for medication and treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My PayPal Credit account was converted to a PayPayl Credit Card. On my XXXX statement, my amount to pay by XX/XX/XXXX to avoid standard and deferred interest on my next statement was {$610.00} Standard Purchases = {$300.00} Promo Purchases Expiring : XX/XX/year> = {$120.00} XX/XX/year> = {$180.00} XX/XX/year> = {$190.00} XX/XX/year> = {$160.00} XX/XX/year> = {$270.00} I paid {$610.00} before XX/XX/XXXX, and on my next statement in XXXX here were my balances for both standard and promotional purchases : Standard Purchases = {$360.00} Promo Purchases Expiring : XX/XX/year> = {$48.00} XX/XX/year> = {$270.00} They literally applied the entirety of my payment to promotional balances that were at 0 % as opposed to what the law states. It should have been applied to the entirety of the standard balance, which was at the highest interest rate. The remainder of the payment should have then been enough to cover the two expiring promotions on XX/XX/year>. Instead, they paid down the promotional balances ending on XX/XX/year>.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because several credit reporting items appearing on my credit reports contain inaccurate or unverifiable information. I have attempted to resolve these issues directly with the credit bureaus, but the accounts continue to be reported inaccurately. Below is a detailed list of the disputed accounts and inquiries for each bureau.

Accounts in Dispute : XXXX XXXX Account No : XXXX Date Opened/Reported : XX/XX/XXXX Balance : {$2600.00} Dispute : This account is being reported as charged off. I dispute the accuracy of the charge-off notation and the balance. Please provide documentation verifying the amount and date of charge-off. 

XXXX XXXX. 
Account No : XXXX Date Opened/Reported : XX/XX/XXXX Balance : {$0.00} Dispute : This account shows a XXXX balance but is marked charged off. This reporting is contradictory. Please verify or delete if not accurate. 

Inquiries in Dispute : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX Dispute : These inquiries were not authorized by me. Please investigate and remove any unauthorized hard inquiries that do not have my documented consent. 

Late Payments : XXXX XXXX XXXX Account No : XXXX Dispute : I request verification of all reported late payments, including exact dates and supporting documentation. If unverifiable, please remove any late payment not properly validated.

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 2025-11-24 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: DC

Complaint narrative:
I am a consumer simply trying to fix my credit. I am requesting a full investigation into the following accounts and inquiries due to potential inaccuracies, incomplete reporting, or information that I do not recognize. Please review each item carefully and provide the results of the investigation.

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments XXXXXXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting Experian to investigate multiple inaccurate, duplicated, or unverifiable accounts and inquiries on my credit report. Many items appear to be duplicates, inconsistent in balance or dates, or do not belong to me. Under the FCRA, I am requesting verification of all information and removal of any item that can not be 100 % validated.

CHARGED-OFF ACCOUNTS IN DISPUTE XXXX, XXXX, XX/XX/XXXX, {$180.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$580.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$980.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$580.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$980.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$980.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$980.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$950.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$980.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$980.00} Several of the XXXX XXXX accounts appear duplicated, inconsistent, or unverifiable. I am requesting validation.

INQUIRIES IN DISPUTE The following inquiries were not authorized or require proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify whether these inquiries were truly authorized.

LATE PAYMENTS IN DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-24 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:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
I am submitting this complaint because I believe several accounts and inquiries being reported on my credit file are inaccurate, incomplete, or can not be verified. I am requesting a full reinvestigation and correction under the FCRA. 

EQUIFAX ( XXXX ) Charged Off Accounts in Dispute XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please accept this communication as formal dispute notification regarding the referenced accounts. I am not affiliated with them and did not approve their creation. I request deletion following review. Documentation is attached.

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 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last 4 ) : XXXX Date : XX/XX/2025 ProCollect , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Verification Request for XXXX XXXX Charges To Whom It May Concern, I dispute the validity of the alleged debt you are reporting : XXXX at XXXX XXXX  Account : XXXX Claimed Balance : {$26000.00} This balance appears inflated and unsupported by documentation.

Please provide : 1. Signed lease agreement 2. Full rent ledger 3. Move-out inspection report 4. Itemized list of charges 5. Proof of legal right to collect this amount If you can not provide documentation, you must notify XXXX  to delete your reporting. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I had an auto insurance policy and when I opened the policy I explained it was a temporary policy for my XXXX which I only drive in XXXX. I cancelled the policy and put it in storage. They are trying to come back and collect {$86.00}. I filed a dispute with Equifax and I feel they did not fully investigate it came back just a couple days after the dispute was filed. It is still on my credit report. I had no contract with the debt collector. I filed a complaint numerous times regarding Equifax not actually INVESTIGATING DISPUTES. They turn around and change nothing. Complaint # XXXX they never answered the complaint here with you CFPB. They said on XXXX they were still working on it and need more time. On XXXX XXXX I see they reset the time on this collection account to XXXX. Nothing changed. I guarantee they did NOT contact XXXX and ask for proof of debt or even a contract or my signature on any contract with XXXX. I am tired of complaining about this company NOT investigating. They are using a computer to scan complaints and fixing NOTHING! Who is policing these credit reporting bureaus????? Equifax is the only company that shows me at a poor score. XXXX  and XXXX  show me as a High Fair. There is a problem with this picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a consumer attempting to correct inaccuracies on my credit reports. I am requesting a full investigation into the items listed below. These accounts and inquiries are being reported incorrectly and are causing harm to my credit profile. Please review each item and provide validation, documentation, and correction where applicable.

I am disputing the following charged-off accounts that Equifax is reporting inaccurately. I am requesting proper verification and correction, as these items appear incomplete, inaccurate, or unverifiable.

Charged Off Accounts XXXX, Acct # : XXXX, Date : XX/XX/XXXX, Balance : {$9800.00} XXXX, Acct # : XXXX, Date : XX/XX/XXXX, Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XX/XX/year> wired {$500.00} to open Santander savings account for the interest rate. Between initial deposit and initial statement someone tried to deposit money into my account.

I don't know if I know this person. Later I was told my account was blocked. I then requested to close my account. This request was denied. No management ever spoke with me. I've made continuous requests to close my account. I do NOT feel that I should have to wait 90 days for a review to close my account.

I've had interest posted 4 different months. I called early this afternoon and spoke to XXXX who refused to provide her number and her manager 's name and number. I confirmed that she understands I want to close my account. My next call will be to CFPB to file a complaint

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 2025-11-24 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: AL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I used XXXX XXXX XXXX loan to purchase a XXXX XXXX  event ticket on XX/XX/XXXX. The loan agreement includes a Holder Rule clause ( Section 22 : Preservation of Claims and Defenses ) stating that the lender is subject to all claims and defenses I could assert against the seller, up to the amount I paid.

The merchant ( XXXX XXXX ) failed to deliver the service I paid for, broke written agreements, and stopped responding to me. I attempted to attend the XXXX event but a state of emergency made travel unsafe. For XXXX, the merchant changed event dates and promised in writing to resell my ticket once VIP tickets sold out. They never did, which prevented me from recovering my money. The merchant then stopped responding to all communication. I reached out through email, text, social media, and online forms with no response for weeks. 
I contacted XXXX on XX/XX/XXXX. My last loan payment was on XX/XX/XXXX, so I reached out within 120 days of my final payment. I provided screenshots, evidence of non-delivery, proof of the written agreement the merchant broke, and proof of the merchants non-responsiveness. 
XXXX refused to assist and repeatedly directed me back to the merchant, even though the merchant will not respond at all. XXXX incorrectly stated that they can not help because more than 120 days have passed since the order date. However, the 120-day rule applies to card chargebacks, not to the FTC Holder Rule. Section 22 rights do not expire and apply for the full life of the loan, even after it is paid off.

I specifically requested : To open a fraud/non-delivery dispute A refund under Section 22 Application of the Holder Rule protections That XXXX  contact the merchant since they refused to speak to me Escalation to compliance/legal review A phone call with a human ( repeatedly denied ) Clarification of why they were ignoring Section 22 XXXX ignored or denied every request and closed my dispute without addressing Section 22 at all. They misapplied unrelated sections of the contract ( refund/return policies ) instead of the Holder Rule clause.

The merchant has not delivered the service, has not provided a refund, and has not responded in almost 3 weeks. XXXX has refused to honor the protections guaranteed in the loan agreement and under federal regulation.

I am requesting CFPB assistance to require XXXX XXXX XXXX to honor Section 22, process my refund up to the amount paid, and pursue reimbursement from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
I was activating a few {$50.00} visa gift cards ( VanillaGift.com ) from last XXXX. One of them had a problem activating. I called the number on the back to talk to a customer representative. The rep took my name, address, and card # and said it was being disputed with 2 other people. The Representative had a very strong XXXX accent so I had to ask him to repeat himself a few times. He got audibly upset at me and hung up.

I call back and got a pleasant XXXX woman who said there is nothing I can do to " unlock '' my funds in the card.

The card is issued by XXXX XXXX  Member FDIC, pursuant to a license from XXXX XXXX XXXX Card is distributed and serviced by XXXX XXXX XXXX XXXX .

I am at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no association with these listed inquiries and suspect fraudulent activity. Immediate review and action are requested. Please examine the enclosed documents.

Company response to consumer: Closed with explanation