vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
On XX/XX/2025, Lloyd & McDaniel , PLC filed a lawsuit against me in XXXX XXXX, Florida, without ever serving me notice of the lawsuit. I discovered the suit only because I received unsolicited advertisements from attorneys, not because the Plaintiff or their law firm complied with Florida service requirements. 

This legal action was taken while my account was in an active CFPB dispute, an XXXX state regulatory complaint, and after XXXX XXXX issued a written cease-and-desist letter dated XX/XX/2025. XXXX XXXX letter explicitly states that the account was placed with XXXX XXXX XXXX from XXXX XXXX XXXX 2025, then placed with Lloyd & McDaniel, and that XXXX XXXXXXXX is no longer servicing this account. 
This contradicts the representation now being made in court that XXXX XXXX is the rightful Plaintiff with standing. 

Lloyd & McDaniel also conducted unlawful collection activity in Florida prior to litigation while using an invalid business entity ( XXXX instead of XXXX ). Their filings, letters, and statements use Lloyd & McDaniel , PLC, which is not licensed or registered as a Florida collection agency under Chapter 559, Florida Statutes. 
The only license found in Florida is for a different entity ( PLLC ), creating a serious chain-of-authority defect. 

Despite multiple validation requests, no contract, no chain of custody, and no lawful documentation were ever provided. Instead, they repeatedly sent only monthly statements, which do not satisfy verification requirements under the FDCPA or Floridas FCCPA.

Suing a consumer without serving notice, during an active federal dispute, while using an unlicensed entity, and without proper validation constitutes abusive, deceptive, and unlawful conduct. This appears to be an attempt to secure a default judgment through improper means. 

I am requesting full investigation and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: DE

Complaint narrative:
I recently pulled my credit report and noticed a negative account that are reporting inaccurately and without my knowledge. 
Please help me get this account removed XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: DE

Complaint narrative:
I recently pulled my credit report and noticed a negative account that are reporting inaccurately and without my knowledge. 
Please help me get this account removed 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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I would like for the Creditor to remove the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CO

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
All my accounts with SYNCB where closed I was pre qualified and approved for XXXX new credit cards thru this bank this morning I get a alert that my accounts are all restricted. they said that they thought I was not going to pay on the account and I have not even gotten the first moths bill to pay this unlawful and something should be done about this I take my credit very serious and I feel like Syncb is playing games with my credit. I will sue this creditor if my accounts are not back opened. 

XXXX accont number XXXX I also have PayPal, and TJX rewards credit card.

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 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
I added a XXXX on to my XXXX account and as soon as I added the funds it locked my account and I signed up with my government name but had a a nickname on there and now there not tryna release my money I showed them the bank I used to put the money on that is in my name I just need this XXXX it was for a present and now its froze with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX Credence resource management Re : Cease and Desist Demand Regarding Collection Attempts Account No. : To Whom It May Concern : I am formally requesting that you cease and desist from all communication with me regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me about this debt.

Effective immediately, you must stop : Calling my phone number ( s ) Sending letters, emails, or text messages Contacting my workplace or family members Any other form of communication relating to this alleged debt This request does not acknowledge responsibility for the debt, nor does it waive any of my rights. I am simply exercising my legal right to stop unwanted collection contact.

If you believe the debt will be pursued further, you may only notify me once in writing to inform me of any intended legal action. Otherwise, you must stop all communication.

Failure to comply with this letter will be considered a violation of federal law, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other appropriate regulatory authorities. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: GA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: GA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX try to make a payment plan but I'm only have XXXX income

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am writing to request your assistance in resolving a serious issue involving misleading promotional information and inconsistent guidance regarding the welcome offer for my XXXX XXXX XXXX XXXX. 

I applied for the card in XX/XX/XXXX based on a promotion offering XXXX bonus miles after spending {$3000.00} by XX/XX/XXXX. On XX/XX/XXXX, an American Express representative confirmed via chat that I had until XX/XX/XXXX to meet the requirement and that I only needed {$1200.00} more in spending. 

I completed the full spending requirement on XX/XX/XXXX, and contacted American Express to confirm my bonus. To my shock, I was told I was not eligible for the offer, which directly contradicts the confirmation I received earlier. A case was opened ( Ticket # XXXX ), with the promise I would hear back in 35 business days, but no follow-up occurred. 

When I followed up on XX/XX/XXXX, I was told a new ticket needed to be opened, with a possible 30-day wait. Later, a XXXX incorrectly claimed I had previously received a welcome offer ( I have not ) and offered only XXXX miles as a final resolution. I do not accept XXXX miles, as this is far less than the XXXX miles promised, and as of today, I have not received any bonus miles. 

Because I relied on the information provided by American Express representatives and met all spending requirements within the confirmed timeframe, I respectfully request your assistance in : Honoring the XXXX bonus miles welcome offer as originally promised or Providing an equivalent remedy that reflects the value of the promised bonus This situation has been extremely frustrating and disappointing, and I would greatly appreciate your prompt review and assistance in resolving this matter. I am happy to provide all documentation, including chat transcripts, account information, and ticket numbers, to support my case. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander- never made a late payment. 

XXXX XXXX XXXX not my account or obligation- remove delinquencies and entire account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Apple Card ) Summary of the Issue : I am a documented XXXX XXXX XXXX XXXX. A fraudulent Goldman Sachs Apple Card account was opened in my name without my knowledge or authorization. I submitted an FTC Identity Theft Report ( Report # XXXX ) and a police report confirming the account is fraudulent, as shown in my FTC affidavit ( page XXXX ). 

Despite this, Goldman Sachs continues to report the account, and XXXX  continues to publish the fraudulent information, including late payment history, which has caused a significant drop in my credit score. 

Goldman Sachs Bank USA Violations : Goldman Sachs has not provided any verification proving I opened this accountno original signed application, no account records, no address verification. 

I mailed a formal identity-theft dispute to Goldman Sachs XXXX XXXX return receipt page 1 ), yet they continue to report the account as if it belongs to me. 

Other credit bureaus have already recognized the account as fraudulent and processed the block, but Goldman Sachs continues reporting it to XXXX. 

XXXX  Violations : Under FCRA 605B, once a consumer submits an identity theft report, the bureau must block the fraudulent account within 4 business days. 
My mailed dispute letter to TransUnion ( pages 12 ) clearly invoked 605B and included my FTC report, police report, ID, and proof of address. 

TransUnion has failed to block the account and has not provided any explanation for refusing to do so. 

TransUnion continues reporting late payments on an account I did not open, which is causing ongoing, severe credit damage. 

Harm Suffered : My credit score dropped substantially due to late payments on a fraudulent account. 

Credit opportunities have been negatively impacted. 

Significant emotional distress and time burden in repeatedly disputing the same account with both companies. 

Both companies are ignoring clear federal requirements under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Te issue with XXXX card is not resolved as far as I am concerned. XX/XX/year> there was a balance transfer on simpicity card I did not do it went on the XXXX  XXXX XXXX  instead and I paid in off and closed the card. the company is sending me bills for the XXXX XXXX  for that balance transfer I never received the XXXX  XXXX in the first place.I do not owe XXXX XXXX  any money cards closed will not do business with this company XXXX XXXX  is reporting to the credit burea monthly the balance is unpaid and I get statements for the balance transfer I did not do if this is error on XXXX XXXX from there end please correct this asap. I certainly will not pay XXXX or more on a transfer that I did not make on a card never received or activated.

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 2025-12-07 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: LEXISNEXIS
State: TN

Complaint narrative:
Information reporting it Not mind i already file identify Theft report with all major reporting this company still reporting information my file im asking it be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
My Chime account was taken over by an unauthorized person ( XXXX XXXX ) who changed my email and password. I was locked out and had to call Chime to regain access. During the takeover, an unauthorized ACH transfer of {$160.00} occurred. Chime denied my dispute claiming no error occurred, even though this was a clear account takeover fraud event under Regulation E. I am requesting the CFPB to require Chime to properly investigate the unauthorized account access and refund the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-07 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: GA

Complaint narrative:
I am filing this complaint because there are multiple credit inquiries on my credit reports from companies I have never done business with. I did not apply for credit with these companies and I do not have accounts with them. 

Since I never applied, I do not understand why my credit was checked. These inquiries are affecting my credit and should not be on my reports. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year> a transaction was made at a high end luxury store name XXXX for XXXX with my debit card I notice on my mobile app The transaction was done. I call my bank and closed my account and told them how was it possible for them to use my card if my card was on me they said it couldve been different ways for them to have duplicated my information. I spoke to the bank they stated that after I closed my account another transaction for XXXX for the same store was attempted to be made by since I closed my account it didnt go through. They gave me a provisional credit for the amount I just received a notice stating the claim was denied I just file a second claim today regarding This issue again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-07 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: WI

Complaint narrative:
I forgot the XXXX  years interest free plan. Thats on me but Best Buy/citi bank took it upon themselves to charge my card without my authorization for XXXX XXXX I only authorized an autopay of XXXX $ a month. They are investigating it. But meanwhile I had XXXX in my checking account. It got refunded. Then they set another charge after I had took off auto pay. They sent it as a retry and now I have no money to pay my bills and Im accruing more dept through late payments while they take their sweet time investigating something that takes XXXX seconds to see I only payed XXXX $ a month for about XXXX years now

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Accounts are being reported as both open and in collections, which is factually impossible. Under FCRA 1681e ( b ) and 1681i, furnishers and CRAs must ensure maximum possible accuracy.

Accounts are also reporting a manipulated or inaccurate Date of First Delinquency.

Under FCRA 1681s-2 ( a ) ( 5 ), furnishers must report the actual DOFD and may not re-age an account. Under 1681c ( c )

Company response to consumer: Closed with non-monetary relief