vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Date : XXXX Portfolio Recovery Associates , LLC Attn : Compliance Department XXXX XXXX XXXX XXXXXXXX VA XXXX RE : Cease and Desist Notice To Whom It May Concern : I am writing to notify you that under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to cease all communication with me regarding any and all alleged debts you claim I owe. 
This includes, but is not limited to : Phone calls to my home, workplace, or cell phone Text messages Emails Letters Any other form of contact If you believe you have contacted the wrong person, or if you intend to take specific legal action, you may send a single written notice stating that. Otherwise, you must stop contacting me entirely. 
Please also note : I dispute the validity of any alleged account you claim I owe. 
Any attempt to report invalid or unverified information to credit bureaus will be documented as a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
Any further unauthorized contact may result in a formal complaint being filed with : The Consumer Financial Protection Bureau ( CFPB ) My State Attorney General The Federal Trade Commission ( FTC ) This letter serves as formal notice. I expect all communications to cease immediately upon receipt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: IA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
I am writing to file a dispute regarding the accounts listed below. I request that the credit bureaus conduct a thorough investigation into these accounts and their reporting, as I believe there are discrepancies or inaccuracies that need to be addressed. 

Charged Off Accounts TU : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments TU : XXXX XXXX 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: OneMain Finance Corporation
State: NH

Complaint narrative:
On XXXX I saw 4 charges in a row from a copy I never heard of, totaling {$920.00} The dispute team issued a credit and issued me a new card. The same day the charges were put back. I called and asked why and they said claim was denied I am responsible. They refused to tell me why. I XXXX the copy making the charges and they dont appear to exist. I asked if they had a phone number for this company they said no. They have no info, but I have to pay. I cant find a phone number or email or anything for this company, I dont think they are real. 
I have called the bank and they keep saying denials are final, but wont say why the denied it or why I have to pay for something that I didnt buy. The 4 charges in minutes of eachother alone is a sign of fraud. Let alone no contact info. They wont even listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
Dear Sir/Madam, I am writing to dispute certain accounts that are inaccurately reported on my credit report. Below are the accounts I am disputing, organized by credit bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account is inaccurately reported as charged off. I request verification and correction of this account 's status. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account is inaccurately reported as charged off. I request verification and correction of this account 's status. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Reason for Dispute : This account is inaccurately reported as charged off. I request verification and correction of this account 's status. 

Inquiries : XXXX  Date : XX/XX/XXXX Reason for Dispute : I do not recognize this inquiry and request its removal. 

XXXX XXXX  Date : XX/XX/XXXX Reason for Dispute : I do not recognize this inquiry and request its removal. 

Late Payment : XXXX XXXX Account Number : XXXX Reason for Dispute : The late payment on this account is inaccurate. I request verification and correction of this entry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
Im writing to dispute the accounts listed, as I dont recognize or remember authorizing them. Please review and remove them. Ive included proof for your reference.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
I had XXXX accounts with Levy associates and paid those accounts on XX/XX/year>. I have the receipts. I also forwarded those receipts to the court and they acknowledges receipt. In XXXX, I received more documents and was confused since paid- neither the court or levy responsed in any way. One of the emails to the courts, specifically included the case number that is on GARNISHMENT paperwork that I received over the weekend in the mail.

This account has been paid for 7 months and yet court proceedings occured at both the court level - shame on them - and levy. Now, levy wants to garnish for money they have had for months. 

NO ONE ever responds to an email communication. I want this in writing as there is XXXX trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MA

Complaint narrative:
I am disputing the following items on my Experian credit report : Charged-Off Accounts EX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries EX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MI

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank is unlawfully holding an incoming international wire transfer for more than 12 days without explanation or legal justification. 

Account type : Business checking account Bank : Citibank , N.A . 
Amount : {$950000.00} incoming wire Date wire was sent : XX/XX/XXXX Date funds were blocked : XXXX XXXXpresent Description : Citibank has blocked an incoming international wire transfer of {$950000.00} to my business account without providing any lawful justification. The bank claimed the reference to the word XXXX required clarification. Both I and the originating bank immediately clarified that XXXX is the brand of the vessel involved in the transaction, not a sanctioned entity. Despite this, XXXX Compliance Department has withheld the funds for over nine days and refuses to communicate with any Citibank representative or with my business. 

I have suffered substantial financial harm, including the impoundment of the vessel by XXXX XXXX, contractual losses, and legal fees. Citibank refuses to provide a timeline, explanation, or access to its compliance officer. This conduct appears negligent and abusive. I request immediate regulatory intervention and release of funds. 

Requested Resolution : Release the funds immediately, provide written justification for the hold, and compensate for damages caused by the delay.

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 2025-12-01 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: VA

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-12-01 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: TX

Complaint narrative:
I am disputing the following items on my Equifax credit report : Charged-Off Accounts EQ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries EQ : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Equifax, Experian and Transunion is reporting several items on my credit report that are inaccurate, unverifiable, unauthorized, or duplicated, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Disputed Items : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurate and has not been properly verified. If Equifax can not validate it with complete documentation, it must be deleted. 
Unauthorized Inquiries XXXX XX/XX/year> XX/XX/year> I did not authorize these inquiries. There is no permissible purpose and no written consent, so they must be removed immediately. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account is inaccurate and can not be verified. It should be deleted. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported twice, which is misleading and damaging. Duplicate reporting must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, Experian and Transunion is reporting several items on my credit report that are inaccurate, unverifiable, unauthorized, or duplicated, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Disputed Items : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurate and has not been properly verified. If Equifax can not validate it with complete documentation, it must be deleted. 
Unauthorized Inquiries XXXX XX/XX/year> XX/XX/year> I did not authorize these inquiries. There is no permissible purpose and no written consent, so they must be removed immediately. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account is inaccurate and can not be verified. It should be deleted. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported twice, which is misleading and damaging. Duplicate reporting must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

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 2025-12-01 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: IL

Complaint narrative:
I am disputing the following items on my TransUnion credit report : Charged-Off Accounts TU : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries TU : XXXX XXXX Date : XX/XX/XXXX Late Payment TU : XXXX XXXX Account Number : 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 2025-12-01 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: MI

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-12-01 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: SC

Complaint narrative:
I am writing to dispute several items on my credit report. Below are the accounts I am disputing, organized by bureau : Charged Off Accounts : DEPT OF ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} DEPT OF ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} DEPT OF ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} DEPT OF EDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} DEPT OF ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
I am a consumer working to repair my credit, and I am disputing certain accounts listed in my credit reports. Below are the details of the accounts that I am requesting to be reviewed and corrected : CHARGED OFF XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} LATE PAYMENT XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian owes me points from XX/XX/year>- XX/XX/year>. Experian only added XXXX points

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