vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Newport Intermediate Inc.

Complaint narrative:
I was a XXXX XXXX crew member and used XXXX XXXX as my payroll card provider. In XXXX I transferred approximately {$2300.00} USD from my XXXX XXXX XXXX card to my personal bank account ( an account I had used for XXXX years ). The funds never arrived. 

XXXX XXXX informed me that my transfer was blocked by XXXX and instructed me to apply for an XXXX license. I did so immediately. Months later, XXXX confirmed to me in writing that they did NOT block my transaction and advised me to contact XXXX XXXX. 

When I provided XXXX XXXX with proof from XXXX, they sent me transaction information belonging to another crew member with the same name, which is a serious privacy breach. After I informed them this was not my account and offered to verify my identity, XXXX XXXX stopped responding entirely. 

I have attempted to contact XXXX XXXX for over a year. All of their published email addresses ( support, privacy, compliance, and fraud ) bounce back as undeliverable, making it impossible to resolve this issue directly. 

My funds were never returned, I never received the {$2300.00} XXXX earned, and XXXX XXXX has failed to provide a proper investigation or written response as required under Regulation E ( Electronic Funds Transfer Act ). 

I am requesting CFPB assistance to require XXXX XXXX to provide the transaction records, investigation results, confirmation of where my money went, and to return my missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: HI

Complaint narrative:
I have overdraft fees on both my personal and busssines accounts. The smallest charge is XXXX dollars per time with it being as high as XXXX dollars. This is nothing less then a bank stealing from it customer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I am filing this complaint against Scott & Associates, P.C., a third-party debt collector, for attempting to collect and/or report a debt that resulted from identity theft and is not legally owed by me. 

This account was disputed with the original creditor, XXXX XXXX, as fraud/identity theft. XXXX XXXX has admitted the account was charged off and placed with Scott & Associates for collection. However, no competent validation has been provided establishing that I opened, authorized, or am legally obligated for this debt. 

Despite the debt being disputed and tied to identity theft : The collector has attempted to collect or maintain collection authority on an account not owed by me The collector has failed to provide proper validation of the alleged debt Collection activity has continued without first substantiating liability I have exercised my rights to dispute and request validation and to limit communications Any attempt to collect a debt arising from identity theft constitutes a false representation of the character, amount, or legal status of a debt. 

FDCPA Violations Based on the above conduct, Scott & Associates , P.C . has violated multiple provisions of the Fair Debt Collection Practices Act, including but not limited to : 15 U.S.C. 1692e False or Misleading Representations Attempting to collect a debt not legally owed, or implying that I am responsible for a fraudulent account, is a false and deceptive practice.

15 U.S.C. 1692f Unfair or Unconscionable Means Collecting or attempting to collect a debt resulting from identity theftwithout proof of liabilityis unfair and unconscionable.

15 U.S.C. 1692g ( b ) Failure to Properly Validate the Debt The collector has not provided meaningful validation demonstrating : A valid contractual obligation That I am the correct consumer That the amount is legally owed 15 U.S.C. 1692c ( c ) Cease Communication I have exercised my right to request cessation of communications. Any continued contact other than lawful validation or confirmation of termination constitutes a statutory violation. 

Harm Caused As a result of the collectors actions, I have suffered : Continued stress and anxiety Risk of inaccurate credit reporting Time and expense disputing a debt caused by identity theft Ongoing fear of unlawful collection activity or legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint regarding repeated inaccuracies and misreporting on my personal information and financial accounts in violation of the Fair Credit Reporting Act. My name has been inconsistently reported across multiple accounts and public records, including variations such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX XXXX XXXX, which constitutes a failure to maintain accurate information as required under FCRA 607 ( b ). My addresses have also been inaccurately listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Additionally, my public records, including XXXX  XXXX Bankruptcy XXXX filed on XX/XX/XXXX in XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, report an exempt amount of {$0.00} and a balance owed of {$0.00}, yet my financial accounts continue to show inaccurate reporting. Numerous creditors have reported inconsistently, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXo, Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with reporting dates ranging from XX/XX/XXXX through XX/XX/XXXX. 
This inaccurate reporting constitutes a failure by furnishers to report correct information, in violation of FCRA 623 ( a ) ( 1 ) ( A ), and the consumer reporting agencies have failed to conduct proper reinvestigation under FCRA 611. These repeated inaccuracies have caused ongoing confusion and potential harm to my credit standing, as well as a lack of clarity regarding my financial obligations and account statuses. I request the CFPB to investigate these discrepancies, ensure my personal identifying information and financial records are corrected across all reporting agencies and creditors, and prevent future misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
I am filing this complaint regarding repeated inaccuracies and misreporting on my personal information and financial accounts in violation of the Fair Credit Reporting Act. My name has been inconsistently reported across multiple accounts and public records, including variations such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX XXXX XXXX, which constitutes a failure to maintain accurate information as required under FCRA 607 ( b ). My addresses have also been inaccurately listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Additionally, my public records, including XXXX  XXXX Bankruptcy XXXX filed on XX/XX/XXXX in XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, report an exempt amount of {$0.00} and a balance owed of {$0.00}, yet my financial accounts continue to show inaccurate reporting. Numerous creditors have reported inconsistently, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXo, Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with reporting dates ranging from XX/XX/XXXX through XX/XX/XXXX. 
This inaccurate reporting constitutes a failure by furnishers to report correct information, in violation of FCRA 623 ( a ) ( 1 ) ( A ), and the consumer reporting agencies have failed to conduct proper reinvestigation under FCRA 611. These repeated inaccuracies have caused ongoing confusion and potential harm to my credit standing, as well as a lack of clarity regarding my financial obligations and account statuses. I request the CFPB to investigate these discrepancies, ensure my personal identifying information and financial records are corrected across all reporting agencies and creditors, and prevent future misreporting.

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 2025-12-15 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: AL

Complaint narrative:
I am submitting this complaint regarding multiple accounts with XXXX  XXXX, including accounts ending in XXXX with a balance owed of {$1300.00}, XXXX, XXXX, and XXXX XXXX XXXX as well as XXXX XXXXXXXX XXXX XXXXXXXX, all of which reflect either inaccurate balances or unresolved disputes. Despite notifying XXXX  XXXX of these discrepancies, they have failed to correct or investigate the reported balances in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666 Correction of Billing Errors, and 1666a Creditors Restrictions During Dispute. Furthermore, XXXX XXXX has not met its obligations under FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate information with credit bureaus, nor have they complied with 623 ( a ) ( 2 ) Duty to Correct and Update, and 623 ( b ) Furnishers Duty to Investigate, leaving my credit report reflecting erroneous information that negatively impacts my creditworthiness. I request that the CFPB investigate XXXX XXXX  failure to accurately report and correct these accounts, ensure proper updates to the credit bureaus, and confirm that all disputes are properly resolved according to 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 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. 
Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself.

DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. If this matter is not
resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 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 2025-12-15 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: PA

Complaint narrative:
I am writing to dispute several inaccurate and/or unverifiable items currently reporting on my Equifax credit XXXX. These errors negatively affect my credit profile. I am a victim of identity theft. I request a full investigation and removal of any item that can not be fully verified under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Incorrect Address Reporting The following address is incorrect and should be removed : XXXX XXXX XXXX, XXXX, PA XXXX Please keep only my correct address : XXXX XXXX XXXX Apt XXXX, XXXX, PA XXXX XXXX. Collections Not Mine XXXX XXXX XXXX Reported : XX/XX/year> Balance : {$840.00} Reason : This account does not belong to me. 
XXXX XXXX XXXX Reported : XX/XX/year> Balance : {$640.00} Reason : This account does not belong to me. 
XXXX. XXXX XXXX  Loans Possible Duplicate/Inaccurate Reporting Multiple balances reported on the same date appear inconsistent or duplicated : {$2100.00}, {$8200.00}, {$2200.00}, {$3500.00}, {$6000.00}, {$4600.00}, {$2100.00}, {$5500.00} Request : Verify each loan individually, correct or delete any unverifiable data. 
XXXX. Hard Inquiries Remove any inquiry not supported by a signed credit application. 
Required Actions : Investigate each disputed item within 30 days Correct or delete any unverifiable information Provide an updated credit report upon completion Thank you for your prompt attention.

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 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To whom it may concern, I have fraud suspections for the consumer ProCollect Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Phone : XXXX Fax : XXXX I had unresolved debt from my past apartment, in which they sent to ProCollect. My Father, XXXX XXXX was my Co-signer, meaning that his credit was also attached to the apartment. They mailed me a letter in an attempt to collect my Debt. I promptly called the number they provided me, which was XXXX. Upon answering, I was met with a Woman named XXXX XXXX. She provided me with the address to ProCollect also, which I have provided in the documented resources. I told her I wanted to dispute/make a negotiation for my debt. She then put me on hold and forwarded me to another woman named XXXX XXXX. 

She already had access to my SSN and information, letting me know I was still on the phone with ProCollect. She told me that she can help me with this situation, all I had to do was pay a one-time fee of {$370.00}, along with a recurring fee to continue the payments for the debt ( or a service to help report correct information to credit unions. I do not remember what she said to me ). As she waited over 20 minutes on the phone to wait for my payment, I was charged from a company named XXXX XXXX. She then gave me her information, which was XXXX ext. XXXX. 

Following that call, a letter was sent to me ( which I have provided in the documents as well ). Upon this, I assumed that my debt was negotiated, along with a monthly fee to upkeep the debt trouble, as XXXX XXXX told me. Months later, my collection was still attached to my collection report. I was able to dispute this debt with XXXX, but it remains on my other 2 credit reporters. Recently, the debt newly appeared in XXXX for my father, XXXX XXXX. 

We are both looking to dispute and report ProCollect, along with XXXX XXXX if the 2 are connected. I have looked at reviews of ProCollect and have seen many users going through the same thing. I assume we are not the first to be taken advantage of. I request this debt to be formally looked through, as I was reassured all I had to pay was that one-time fee.

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 2025-12-15 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: FL

Complaint narrative:
I am submitting this fourth follow-up complaint regarding previously disputed inaccurate, unverifiable, and unauthorized items on my credit reports maintained by Experian and TransUnion. Despite multiple prior communications, several accounts and inquiries remain on my reports, and I am requesting their immediate and permanent removal. 

Specifically, my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, inaccurately reported as late closed with a {$0.00} balance in both Experian and TransUnion, must be removed, as it violates FCRA XXXX ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance in both Experian and TransUnion is inaccurate and must be removed under the same statutes. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting a {$6300.00} balance in both Experian and TransUnion, is also incorrect and must be permanently removed in accordance with FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ). Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reported with {$0.00} balances across Experian and TransUnion, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a {$0.00} balance in TransUnion, are inaccurate and require permanent removal under the same laws. 

Further, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inaccurately reported as charged-off with a {$0.00} balance in TransUnion, XXXX be removed, as it violates FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ). Unauthorized inquiries, including XXXXXXXX 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 ( XX/XX/XXXX ) in TransUnion, were made without my authorization and must be permanently removed under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ).

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 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery Management Solutions LLC
State: NY

Complaint narrative:
I was contacted by the collection agency name recovery management services about a loan with XXXX XXXX XXXX in XXXX for the amount of {$5000.00} I told her it's the wrong amount she said if I don't pay it it's going to move to the next step of collection, and my credit will be damaged, I tried to work out several payment options but the amount I can't come up it because it's too much, I made XXXX payments XXXX for XXXX and another for {$500.00} because I was afraid she would take it to the next stage of collection on XX/XX/year>, I checked my credit report and a company nane XXXX I never heard of was listed on my credit report as original creditor a, I never did business with of have any contracts agreement with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation