vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: KY

Complaint narrative:
This complaint concerns an account originally held by Medical Data Systems ( Account # XXXX ), with an original balance of {$1400.00}, which was later sold or transferred to XXXX XXXX XXXX, who is now reporting a different balance of {$1500.00}. I was never informed by the original creditor that the debt was being sold, transferred, or assigned, nor did I give consent for my personal information to be shared with XXXX XXXX or any third party. 

This account was charged off/ written off, and yet it was subsequently sold without disclosure or authorization. This raises concerns regarding the legal handling of the account and whether the transfer complies with federal consumer protection laws. Additionally, the balance being reported by the debt buyer is different from the original balance, which appears to constitute a false, inconsistent, or misleading representation of the amount and legal status of the debt in violation of : 15 U.S.C. 1692e ( 2 ) False representation of the amount or legal status of the debt 15 U.S.C. 1692e ( 8 ) Communicating credit information known or should be known to be inaccurate XXXX XXXX XXXX has also failed to provide proper validation or documentation for the increased balance and continues to report multiple discrepancies, including status, balance, and dates. These inconsistencies have caused inaccurate and harmful reporting on my credit profiles. 

I have disputed this account with the credit bureaus, but they have continued to report the inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus have a legal obligation to report complete and accurate information and to conduct a reasonable investigation whenever a consumer disputes an item. Their refusal to correct the errors appears to violate : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information 15 U.S.C. 1681s-2 ( a ) ( 2 ) Furnishers must correct and update information 15 U.S.C. 1681i ( a ) Credit bureaus must conduct a reasonable investigation 15 U.S.C. 1681e ( b ) Credit bureaus must maintain reasonable procedures to assure maximum possible accuracy The inconsistent amounts ( {$1400.00} vs. {$1500.00} ), the sale without my knowledge, and the continued reporting of inaccurate information have caused significant harm to my ability to obtain credit, loans, housing, and other financial opportunities. Given that the debt was previously charged off, the reporting is misleading, confusing, and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Unlawful Account Closure, Abuse of Discretion, Discriminatory Treatment, and Use of False Information Statement : I am filing a formal complaint against Citibank/Dillards Mastercard for issuing an adverse action and closing my account based on false, misleading, and discriminatory information, and doing so without proper advance notice as required under the Equal Credit Opportunity Act ( ECOA ) and Regulation B. 

On XX/XX/year>, I received an adverse action letter stating reasons that are demonstrably untrue, including : high ratio of balance to limit delinquency excessive revolving debt insufficient account history These statements are false, and Citibank failed to review my actual credit records. I maintain an A-level payment history, low or moderate utilization, and consistent on-time payments with all creditors. 

Citibank provided no advance notice, no opportunity to dispute the information, and no clear explanation of why my account was targeted, which raises concerns of arbitrary and discriminatory decision-making.

As a direct result of Citibanks incorrect and damaging adverse action, my credit profile was negatively impacted, triggering a chain reaction affecting other creditors. Citibanks conduct caused material harm, including score reduction and financial instability.

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 2025-11-14 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-14 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: TX

Complaint narrative:
I am formally demanding immediate deletion of the inaccurate information your bureau is reporting on my consumer file, as you are currently in violation of the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute : Name : XXXX XXXX  aka XXXX XXXX XXXX  XXXX Account Number ( partial ) : XXXX Reason : You Failed to investigate this account on XX/XX/year> under confirmation # XXXX And you failed to reinvestigate on XX/XX/year> under confirmation # XXXX This account has been paid and the status is inaccurate. You failed to investigate and reinvestigate this account. You also failed to provide me the contact info of whom confirmed this information.

15 U.S.C. 1681e ( b ) requires you to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) requires you to conduct a reasonable reinvestigation of any disputed information.

I demand you delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: IA

Complaint narrative:
I recently contacted Procollect to discuss possible settlement or payment arrangement options for my account. Unfortunately, the representative I spoke with refused to provide any options and stated they would be marking my account as a refusal to pay. 

I want to make it very clear that I am not refusing to pay my debt. I simply do not have the full balance available at this time, but I am willing and able to set up a payment arrangement or discuss a reasonable settlement. Before I could explain my situation, the representative ended the call. 

I respectfully request that someone review my account and provide me with the available options to resolve this matter. I have been going back and forth with this company for the past year and a half, and I truly believe that if there had been more willingness to work with me, this issue could have been resolved by now. This ongoing situation has caused me significant XXXX  and setbacks, especially with everything I am currently dealing with in my personal life. The lack of cooperation has only made things more difficult. 

Thank you for your time and assistance. I look forward to the opportunity to resolve this matter in a fair and constructive way.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I revived multiple messages that my information was released into the data breach, I checked med my consumer profile and noticed multiple accounts that I find not authorized, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> I was sent {$25.00} on XXXX. I then used my XXXX  XXXX XXXX  to pay for a ride share service ( XXXX ) the original transaction was {$10.00}. I had {$25.00} in my XXXX  account. After the original transaction I was left with {$15.00}. I then tip {$2.00} meaning I was left with {$13.00}. I was then sent {$6.00} meaning my new total was {$19.00} in my XXXX  account. Then I spent {$18.00} at XXXX using my XXXX  card. I in total spent {$30.00} out of the {$31.00} I had in my XXXX account. However when I check my XXXX  account today XX/XX/year> my account is negative {$9.00}. I then tried to contact XXXX  via the phone on their site I could not get a hold of a live person. So I then went to their online chat. I was then made to believe I did not have the fund to cover my charges and that XXXX was trying to double charge me when, I have one transaction from them via email and on their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-14 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: MS

Complaint narrative:
I am requesting an investigation into the reporting of the following auto loan account : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account contains multiple violations of FCRA 602A, 607 ( b ), and 611, making the report inaccurate, incomplete, and unverifiable. The inaccurate information includes, but is not limited to : 1. The account is being reported as both a charge-off and as having a past due balance. A charged-off account can not continue to report past-due amounts. 2. The account shows Company Sold, but continues to update balance and past-due fields, which is inaccurate and misleading. 3. The past-due amount was updated in XX/XX/XXXX, over two years after the charge-off status date of XX/XX/XXXX, which is inconsistent and inaccurate. 4. The original balance, charged-off amount, and past-due amount are inconsistent and can not be verified. 5. Auto loans must be reported as repossessions when applicable, not as mixed status ( charged off with ongoing delinquencies ). Due to these errors, I am requesting the immediate deletion of this account from my credit report if the furnisher can not fully verify all details with proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
This complaint is being filed against XXXX XXXX and the involved credit bureau for the ongoing reporting of an auto account that is inaccurate, unverified, and not legally attributable to me. 

I have never had an account with XXXX XXXX. My original signed application and retail installment contract clearly show XXXX XXXX as the creditor. XXXX XXXX does not appear anywhere on the contract, and no chain of title, assignment, bill of sale, or transfer documentation has been provided. 

The credit bureau has repeatedly verified this account despite multiple disputes and despite being provided with the original contract proving XXXX XXXX is not the creditor. This suggests the bureau is relying on automated systems such as EOSCAR or XXXX instead of conducting a legally required reasonable investigation under FCRA 1681i.

Violations include : Reporting information known to be inaccurate FCRA 1681s-2 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation FCRA 1681i Failure to maintain maximum possible accuracy FCRA 1681e ( b ) Furnishing unverifiable information FCRA 1681s-2 ( b ) I am requesting CFPB intervention to : 1. Order the immediate deletion of the XXXX XXXX account from all consumer reports 2. Address the bureaus failure to conduct a lawful investigation XXXX XXXX XXXX XXXX role in furnishing inaccurate information The continued reporting of this false account is causing harm to my credit, financial opportunities, and overall consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an account from XXXX XXXX on my credit report, account number XXXX, that is reporting a late payment in XX/XX/year>. This is inaccurate, as my payments were deferred due to XXXX, and I was protected under the CARES Act. This late payment has only been reported by Experian and has never been verified as accurate. 

I am requesting that this inaccurate late payment be removed from my Experian credit report immediately and that the account be updated to reflect its true status.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have been making regular purchases ( or deposits as XXXX calls them ) on XXXX  for years, a sports 'gambling ' site with my Citi credit card. These purchases have never incurred a fee from Citi. Now, since XX/XX/year> I've I've been charged two XXXX dollar fees for two different purchases, without explanation. Nothing has changed, but Citi now feels they can add fees to transactions that have not incurred them for years. I want my money back.

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 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
This complaint is being filed against GM Financial Services for improper handling of my auto account, unjust repossession practices, failure to provide legally required documentation, and violations of the Fair Credit Reporting Act ( FCRA ).

A payment arrangement was made on the SAME DAY the vehicle was repossessed. Despite this agreement, GM Financial continued with repossession, demonstrating bad faith and violating consumer protection laws and fair dealing standards.

GM Financial has failed to provide required documents including : Original bill of sale Documentation proving the sale was conducted in a commercially reasonable manner Pre-sale repossession notice Post-sale deficiency notice Full payment history and all payment arrangements Complete accounting breakdown of the alleged balance Without these documents, GM Financial can not validate, collect on, or report this account. Their continued reporting of unverifiable information violates : FCRA 1681s-2 ( a ) FCRA 1681e ( b ) FCRA 1681s-2 ( b ) GM Financial has a documented history of lawsuits related to improper repossession notices, commercially unreasonable sales, and inaccurate credit reporting. Their actions in my case align with these violations.

I am requesting CFPB intervention to : 1. Order the deletion of the GM Financial account from all consumer reports 2. Require GM Financial to produce the legally required documentation 3. Investigate GM Financial for potential FCRA and consumer law violations The continued reporting of this account is causing financial harm and reflects unlawful handling by GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I, XXXX XXXX, am disputing inaccurate and unverified information appearing on my ChexSystems report. My report contains an incorrect account from XXXX XXXX XXXX XXXX and several unauthorized or unverified inquiries from XXXX  XXXX XXXX, and XXXX XXXX. I did not authorize these inquiries, and the XXXX XXXX XXXX XXXX account includes incorrect personal information, unverified allegations, and an unvalidated charge-off amount. 

Under the Fair Credit Reporting Act ( FCRA ), ChexSystems must ensure all reported information is accurate and verifiable. Since the reporting parties have not provided proper verification, I am requesting the immediate removal of the disputed account and all unauthorized inquiries, along with written confirmation and the method of verification used

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 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
This account was opened fraudulently without knowledge and I would like to block and remove this account from my profile please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: Chime Financial Inc
State: CA

Complaint narrative:
My account was took over at about XXXX XXXX  on XX/XX/year>. I received a notification that I sent money to a unknown user and that a new log in was detected but I never received a email about my password nor my number being changed which were both changed and I had to reset my password and update my number back just to see what was going on in my account they sent {$200.00} to a unknown chime user and I have to wait 60 days to get my money back.

Company response to consumer: Closed with explanation