vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with a financial institution that has failed to resolve my concern despite my attempts to contact them. I believe the companys actions are unfair and have caused me financial harm and stress. I am requesting the CFPBs assistance to review this matter and help ensure the company addresses the issue appropriately, corrects any errors, and provides a fair resolution in accordance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/year> I got my usual text message to make a payment. I have been paying XXXX a month. They told my new payment is XXXX month. I told them I can not afford this amount. They said they will send it to collections.

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 2025-12-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
issue : dispute handling / investigation delay / failure to resolve reopened claim I disputed a debit card transaction in XX/XX/year>. Bank of America initially denied the claim within 10 business days and provided a written denial.

After the denial, Bank of America reopened the investigation, making the claim active again. Since reopening, the investigation has continued for more than 45-60 calendar days without provisional credit and without a final written determination. 
I have contacted Bank of America multiple times for updates. Despite escalation attempts, the bank has failed to clearly resolve the reopened claim or provide a definitive written outcome. The prolonged handling of this reopened debit card dispute has caused ongoing financial harm and distress. I am requesting a formal compliance review of this reopened investigation, immediate resolution of the claim, and reimbursement, I am requesting a final written determination explaining the outcome of the reopened investigation also I have submitted a police report for my claims thanks a lot

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I made a purchase for XXXX I never received my order confirmation from the merchant nor delivery information by XXXX XXXX I opened a dispute with syncrony XXXX card regarding not receiving my package. On XX/XX/XXXX I received an email that my claim was resolved I reopened the case because syncrony favored the merchants never gave me reasons nor received mail. On XX/XX/XXXX synchrony reviled the amount and re disputed it again. On XX/XX/XXXX I received an email that syncrony again favored the merchant I asked for clarification as to why they said the merchant claims I signed for the package they never investigated if the signature even belonged to me I reopened the dispute which is under review I sent them a copy of mines and my partners drivers license so they can compare the signature the merchants claims that I signed the package for. Today XX/XX/XXXX my account is showing I have a min payment due XX/XX/XXXX I contacted synchrony and I was told because I have a balance of XXXX I told them thats the same dispute balance they rebilled me they put the investigation on the first investigation and they are saying I have to pay but dont have to pay for a disputed amount but the balance is the disputed amount the employees and incompetent and syncrony is not for their customers they are vomiting fraud adding the balance towards a disputed amount I have been fighting for months

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 2025-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company violated the Fair Debt Collection Practices Act - FDCPA ) by sending me a debt belonging to someone else. I received a letter requesting payment on an account not belonging to me. My SSN, DOB, nor Addresses are in any way linked to this person or account debt. 

The following email was sent to them without any reply from the company concerning their mistake and disclosure of information to me ( not the account holder/stranger ). 

Reference # XXXX - Wrong Person XXXX XXXX XXXX Attachments Sun, XX/XX/XXXX, XXXX ( 7 days ago ) to DeptC You are sending me someone else 's debt. It would pay for you to do simple confirmation before sending a debt letter to the wrong person. Similar first and last name, but different middle name, different address, different date of birth, and other identifying information. Additionally, I have never held services with either XXXX or XXXX XXXX. 

You sent it to me. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
I have never lived in XXXX, Texas. Contact the correct person at the address you have on file. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

Please encourage your staff to do their job properly. Find enclosed information on the potentially intent person for this debt. The attachment shows the intended person still lives at the address on the outstanding account with XXXX they are seeking to resolve. 

Regards, XXXX XXXX Attachments Scanned by XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Person Search XXXX XXXX XXXXXXXX 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 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with a financial institution that has failed to resolve my concern despite my attempts to contact them. I believe the companys actions are unfair and have caused me financial harm and stress. I am requesting the CFPBs assistance to review this matter and help ensure the company addresses the issue appropriately, corrects any errors, and provides a fair resolution in accordance with consumer protection laws. 

I have disputed this account, requested debt validation letters multiple times, never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I am writing to formally report issues with XXXX XXXX / XXXX XXXX regarding unauthorized subscription charges on my account. 
XXXX XXXX : XXXX XXXX ( XXXX XXXX XXXX. XXXX ) Date of charge : Today Amount charged : XXXX XXXX Play order number : XXXX Description : My child mistakenly subscribed without my consent. 
XXXX XXXX Date of charge : Day before yesterday Amount charged : XXXX XXXX Play order number : XXXX Description : This subscription was also initiated without my authorization. 
Actions Taken : I canceled both subscriptions immediately upon noticing the charges. 
I reported the issues to XXXX XXXX, but both refund requests were denied, citing their refund policies. 
I have attempted to resolve the matter with XXXX support, but no refund has been issued despite both charges being unauthorized and child-initiated.

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 2025-12-21 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
I use PayPal as a stored-value account with a debit card. 
I reported a {$800.00} debit-card charge within 24 hours of the transaction. 
The payment was induced by a government-impersonation scam involving threats and misrepresentation. 
PayPal denied my dispute by labeling the transaction authorized without addressing the fraud. 
I have filed a Federal Trade Commission fraud report a fraud dispute with XXXX XXXX  and am requesting supervisory reconsideration, proper fraud classification, and provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: VI

Complaint narrative:
Innovative Recovery has reached out to me numerous times about settling a debt in the amount of {$5000.00} with them that the purchased from XXXX  XXXX XXXX. I told them i would speak with XXXX  XXXX and i provided them proof that i no longer owed them money but Innovative Recovery instructed me that i no longer owed XXXX  XXXX XXXX and that the debt is with them. I did not sign any contract with Innovative Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: FL

Complaint narrative:
I contacted Discover customer service to discuss my account status and concerns about credit reporting. Based on that interaction, it was my understanding that the issue was being addressed, and I relied on that guidance in good faith. 

When I later followed up, a different representative informed me that there is no record or notes of the prior call in Discovers system. I requested confirmation of my account status, whether my reporting concerns had been addressed, and any documentation reflecting the earlier interaction. Discover was unable to provide this information. 

As a result of this record-retention issue, recent 30-day late payment marks were reported, despite my longstanding history of on-time payments prior to this event and my proactive outreach regarding hardship assistance. The lack of documentation has created ambiguity that has adversely affected my credit reporting. 

I am requesting that Discover review this matter, address the servicing and documentation gap, and correct the resulting credit reporting to accurately reflect the account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: C/C Financial
State: TX

Complaint narrative:
In XXXX XXXX XXXXXXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
In XXXX of XXXX  I acquired a loan with ACIMA. I was making my payments regularly and on time. Because they dont let you control the accounts you have on file with them they pulled from an account that was only intended for one time use and Im unable to remove the account. Pulling from that account caused me to be delinquent. The representative calls me 4 times a day. Back to back. Ive spoken to her and tell her when Ill make the payments and she told me well Ill still going to call you until payment is made. Shes just harassing me and its annoying and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted.I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.If you have any questions or need additional information, please contact me at the address below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  I was emailed that due to certain criteria we are moving forward with account closure for XX/XX/XXXX which is the VERY NEXT DAY mind you, I have NEVER received a heads up besides this one. Not only that I find it VERY strange that they do this a day before my direct deposit hits. I get paid every month via the Veterans Administration the same date and time through my chime. This puts me at a hard ship not only am XXXX XXXX & due XX/XX/XXXX but I have XXXX to my name due to an extremely stressful month and now will have nothing to use towards my baby because of the fact that I wasnt even slightly notified of this happening until a day before. Then when I called customer service HANDLED THE SITUATION TERRIBLY. They had no information other then The fact of it closing then refused to let me know any additional details and also refused to let me speak to a higher up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: VA

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 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 non-monetary relief
Consumer complaint received 2025-12-21 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: VA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Negligence in Wire Transfer Monitoring Account Numbers ( XXXX ) and ( XXXX ) Der Legal Department I am writing to formally express my serious concern and dissatisfaction with Bank of America 's handling of recent wire transfer requests, which resulted in a significant financial loss due to a failure to flag clear red flags. I am over 67 years.

Despite unusual activity and specific indicators that should have prompted an immediate review under established security protocols, the bank proceeded with the transfers. The dates and amounts of these transactions are as follows : XX/XX/XXXX : USD XXXX XX/XX/XXXX : USD XXXX XX/XX/XXXX : USD XXXX XX/XX/XXXX : USD XXXX XX/XX/XXXX : USD XXXX XX/XX/XXXX : USD XXXX XX/XX/XXXX : USD XXXX I have been Bank of America Customer since XX/XX/XXXX and XXXX XXXX XXXXXXXX since XXXX. I am working with XXXX XXXX XXXX XXXX ( XXXX ) within XXXX and have a portfolio value of USD XXXX Million. 
Note My Advisors team was aware of these transactions from XX/XX/XXXX, though they were all initiated by me. 
I have previously attempted to resolve this issue with him and XXXX XXXX XXXX ( XXXX ) with BOFA Claims Department, but a satisfactory resolution has not been provided. They have been able to recover around USD XXXX. 
The bank 's failure to intervene and prevent these fraudulent transactions demonstrates a critical lapse in your risk management and customer protection procedures.

I am attaching copies of all relevant communication, transaction receipts, and supporting documentation for your review. I had filed report ic3 with FBI and notify SEC.

I request the following resolution : 1. A full investigation into why the red flags associated with these wire transfers were missed.

2. A complete reimbursement of the funds lost due to the bank 's negligence.

3. A detailed explanation of the steps the bank will take to prevent similar failures in the future.

4. Unusual Amount : The wire was for a significantly larger amount than you typically transfer.

5. New Beneficiary/Location : The recipient was a new contact, a new bank account number, or the funds were being sent to a country you have never sent money to before.

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