vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: SC

Complaint narrative:
I have approximately {$3000.00} in my checking account with Charles Schwab. These funds were direct deposited into that account by my employer, and I rely on these funds to pay bills/rent.

On XX/XX/XXXX, I tried to access my account but was unable to due to my account being frozen, along with my debit card. 

I have contacted Charles Schwab multiple times, only to be told each time that they are unable to help me at all in any way other than by way of an email sent to the fraud department, who are solely capable of arranging the release of the freeze. There has been no response from the fraud department, and I've been advised that there's no guarantee of receiving a response within any time-frame and I could be waiting indefinitely. 

They're unable to provide me any kind of indication or explanation for why my account was frozen, and have been unable to advise any potential course of action to regaining access to my money other than waiting for a potential response from the fraud department. I have been advised that the fraud department are only contactable internally, specifically by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$150.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
To Whom It May Concern : Recently, I reviewed a copy of my credit report and noticed several inaccuracies related to the following account. This account is negatively affecting my ability to obtain credit. It is my understanding that you are required to conduct an investigation to ensure the information being reported is accurate. 

Here is the item I am requesting you to verify as accurate : Creditor : XXXX XXXX  Account Number : XXXX Enclosed are copies of documents to verify my identity : Copy of Drivers License Copy of Social Security Card Proof of Address Please provide me with the results of your investigation in writing within 30 days as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.

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 2025-08-26 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: PA

Complaint narrative:
To Whom It May Concern : Recently, I reviewed a copy of my credit report and noticed several inaccuracies related to the following account. This account is negatively affecting my ability to obtain credit. It is my understanding that you are required to conduct an investigation to ensure the information being reported is accurate. 

Here is the item I am requesting you to verify as accurate : Creditor : XXXX XXXX  Account Number : XXXX Enclosed are copies of documents to verify my identity : Copy of Drivers License Copy of Social Security Card Proof of Address Please provide me with the results of your investigation in writing within 30 days as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: IA

Complaint narrative:
On XX/XX/year>, I found an auto refinance offer through XXXX XXXX with Autopay. The pre-approval clearly showed an estimated XXXX  % APR, a monthly payment of {$330.00}, and total interest around {$3500.00}. Based on this, I proceeded with the pre-approval process. 

After I was approved, I submitted the full application. At the very end of the process once the hard inquiry was already on my credit and the loan was essentially ready to sign the terms changed. The new offer was not the same as my pre-approval. The payment savings were negligible ( only about {$2.00} lower than my current loan ), the term was longer, and the total interest was higher than what I pay now. 

This was a bait-and-switch : I relied on the pre-approval terms in making the decision to apply. 
The company pulled a hard inquiry, which hurt my credit. 
After I invested time and effort, they changed the deal at the end. 
When I questioned this, the explanation I was given did not resolve the issue. 

Impact : I would never have applied if I had known the real terms. 
My credit report now shows an unnecessary hard inquiry. 
I lost time and energy on a deceptive process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
What happened : Between XX/XX/XXXX and XX/XX/year>, I experienced multiple instances of unauthorized financial activity and identity misuse involving XXXX Bank, PayPal, and XXXX Bank. 
On XX/XX/XXXX, a {$100.00} transfer was initiated from my XXXX account to PayPal. I did not authorize this transaction. The funds left my XXXX account but never appeared in my PayPal balance. The transaction is marked as delayed, with no resolution provided. 
On XX/XX/XXXX, I received an email from XXXX Bank confirming the issuance of a PayPal Credit Card in my name and prompting me to link it to XXXX XXXX. I did not apply for this credit card, nor did I attempt to link it to XXXX XXXX. This appears to be part of a coordinated identity theft campaign. 
I have contacted XXXX Bank and PayPal to report the unauthorized transfer and requested a formal investigation. I also contacted XXXX Bank to report the fraudulent credit card issuance and requested account termination and credit protection. 
This activity is part of a broader breach affecting multiple platforms, and I am actively documenting and escalating each incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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 have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$0.00}, XXXX  XXXX XXXX  balance {$240.00}, XXXX XXXX balance {$700.00}, XXXX XXXX balance {$260.00}

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX Midland Credit Management , Inc . 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Request for Debt Validation To Whom It May Concern, I recently reviewed my credit report and noticed that your company is reporting a collection account with the following details : Creditor : Midland Credit Management , Inc . 

Reported Balance : Approximately {$3800.00} Reported Open Date : Around XX/XX/XXXX I am requesting validation of this alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request the following : 1. Documentation that you are authorized to collect this debt.

2. A copy of the original signed agreement or contract creating the debt.

3. Verification of the amount of the debt and how it was calculated.

4. Documentation showing that you are the current legal owner of the debt or have been assigned collection rights. 

5. The name and address of the original creditor.

6. A complete account history, including payments made and charges added. 



Until you provide proper validation, you must cease all collection activities, including reporting this debt to the credit bureaus. If you continue reporting without validation, it will be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 



Please mail your response to the address listed above. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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 been a victim of identity theft, Ive never done business with the following companies or entered into a written contract or agreement. 

XXXX. XXXX XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$250.00} XXXX. XXXX XXXX XXXX See Attached FTC 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 2025-08-25 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:
Im been a victim of identity theft, Ive never done business with the following companies or entered into a written contract or agreement. 

XXXX. XXXX XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$250.00} XXXX. XXXX XXXX XXXX See Attached FTC 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 2025-08-25 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX XXXX, has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Robinson & Hoover
State: GA

Complaint narrative:
On XXXX XXXX XXXX I received my paycheck that was missing XXXX, when I took a deeper look into my paystub it said garnishment and i figured it was my student loans but XXXX XXXX XXXX XXXX, XXXX I received an email from XXXX  informing me that Robinson Hoover and XXXX XXXX. Garnished my money from XXXX XXXX. I am really confused because that case is closed on my credit line and its dropping XX/XX/year> so why now? I believe when i went to a dealership to see if im approved for a car they flagged my account and no a law firm is taking my money. Plus when i disputed it, it decreased from XXXX to XXXX. I was never aware of them taking out money out my check until they took it out and then wanted to send me paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-26 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: AZ

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TRANSUNION, EQUIFAX AND EXPERIAN, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer hard inquiries are the result of identity theft and fraud. 


XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief