vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
What happened : A debt collection agency ( XXXX, XXXX XXXX XXXX ) is attempting to collect a debt that I do not owe, and the original creditor ( XXXX XXXX ) charged my business credit card after I properly cancelled the contract according to their instructions. 

On XX/XX/year>, XXXX emailed me and stated that to cancel auto-renewal, I must reply Turn off XXXX XXXX. I replied the same day with exactly that wording. XXXX did not indicate that the cancellation was invalid or incomplete. 

On XX/XX/year>, XXXX charged my business credit card {$8200.00} anyway. 
I immediately notified XXXX and disputed the charge with my bank. 

My bank conducted an investigation and reversed the charge as unauthorized. 

Despite this, XXXX sent the alleged amount to collections. 

On XX/XX/year>, I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX demanding payment of {$8200.00}. 

On XX/XX/year>, I disputed the debt in writing and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). Instead of providing validation, the collector responded by mailing a letter suggesting a settlement opportunity without any supporting documentation or proof that the debt is owed. 

Additionally, the debt collector blocked my initial email attempt ( it bounced with a XXXX blocked message ), preventing me from exercising my dispute rights. 

Violations : Attempting to collect a debt that is not owed Failure to provide validation after a written dispute ( FDCPA 1692g ( b ) ) Continuing collection attempts after dispute and without validation Blocking my attempt to submit a written dispute and validation request What I want : Immediate closure of this alleged debt Written confirmation that no further collection attempts will be made Assurance that no negative credit reporting will occur I have retained : Email proof of cancellation ( Turn off XXXX XXXX  sent XX/XX/year> ) Correspondence with XXXX attempting to reverse the charge Bank documentation showing the charge was reversed Debt collection letters including the settlement letter after dispute This is a wrongful collection attempt against a nonexistent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

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. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-11-12 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-11-12 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: MD

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX Total balance : 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 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 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 XXXXXX/XX/year> I've requested removal of such, because the information I have requested for has not be given. I have mailed in letters also. No XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TN

Complaint narrative:
I am writing to dispute the following items listed on my Equifax credit report, which I believe to be inaccurate or incomplete. These accounts are charged off, and I request a thorough investigation of the following details : Charged Off Accounts : 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 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 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My bank has frozen my business account and is refusing to release funds that do not relate to a disputed check, despite providing all documentation requested. As a result, I have been denied access to my money for an extended period, causing significant financial hardship and business disruption. 

Full Description : My spouse received a check from an insurance company. She deposited it into our business account using mobile deposit. The check was issued in her maiden name, which triggered a fraud hold. We received no prior notification and were not informed that the entire accountincluding unrelated fundswould be frozen. 

Immediately after learning of the freeze, we visited the bank and provided every document they required, including : Marriage certificate Government-issued ID Signed and notarized affidavit completed with the branch manager The bank manager assured us this would resolve the issue and that incoming funds, including a direct deposit scheduled the next day, would not be held. Despite this, my direct deposit was also frozen. 

The branch manager contacted the fraud department, who refused to release any funds and told her there was nothing further she could do. I then contacted the fraud department personally and spoke with multiple representatives, supervisors, and the department head. Every individual refused to release funds, even those that were in the account before the disputed check and the newly posted direct deposit. 

I was told the account would remain frozen for an additional XXXX days, totaling XXXX days without access to my own funds. No written notice was given, no explanation was provided, and no escalation path was offered.

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 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Imprint Payments, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I made a timely payment to my XXXX XXXX  XXXX credit card but was charged an interest payment of {$.00} on XX/XX/XXXX. I called Imprint and informed them that I was wrongly charged interest. They removed the payment. On XX/XX/XXXX I made another timely payment to pay down my credit card and again I was charged interest of {$8.00} on XX/XX/XXXX. I called on XX/XX/XXXX to have the interest payment removed. I then paid off the balance of my card and cancelled the card due to Imprints practices. XXXX mo the in a row Imprint charged me interest on my credit card when I made payments in excess of the minimum amount due on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I JUST RECEIVED A LETTER THATMY PAY PAL CREDIT CARD CASHBACK WORLDSCARD HAS BEEN CLOSED FOR NOT BEING ABLE TO IDENTIFY WHO I AM. THAT IS A LIE THEY KNOW WHO I AM. I HAVE BEEN GETTING PROBLEMS FROM XXXX AND IN THE LOG IN FEATURE WHERE THEY WOULD NEED TO VERIFY WHO I AM AND IT IS ALMOST IMPOSSIBLE TO DO SO. SO THEY EVENTUALLY TOOK OUT FOR THE PRIME MEMBERSHIP ON AUTO AND IT WAS UNFAIRLY TAKEN OUT WITHOUT MY CONSENT SO, MAKE AND UNATHURISED DEBIT OUT OF MY CREDIT CARD COMPLAINT AND ALSO AND DISPUTE, AND I GUESS THEY DO NOT BELIEVE ME. SO, THEY CLOSED MY ACCOUNT BECAUSE OF STRANGE BEHAVIOUR I WAS REPORTING AND OUT OF HATE. I HAVE RECENTLY MADE A BIG PAYMENT TO THE PAY PAL CREDIT LINE, THAT IS CLOSED, TO KEEP MY CREDABILITY IN TACT WITH SYNCHRONY BANK AND THEY WENT AHEAD AND CLOSED MY ACCOUNT ANYWAY. SO, SYNCHRONY BANK IS WHO OWNS PAY PAL XXXX XXXX XXXX. JUST TO LET YOU KNOW. SO THIS IS GOING TO HVE A GREAT IMPACT ON MY XXXX SCORE AND TO DO THIS COLDY ACT IS UNAMERICAN. THIS IS UNAMERICAN ACT IS FROM XXXX IMPERMISSABLE SURVAILANCE THAT HAS BEEN GOING ON IN THE COUNTRY OF MINE AROUND ME. NOT FAIR

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 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
The company informed me that their decision was based on credit worthiness and credit score. They then emailed me a letter on XX/XX/year> with the details. I told them that they were making my credit score decrease by keep closing my accounts. My cards had a XXXX balance so I didn't understand the reasoning behind closing them.

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 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX turned this over and the account was PREPAID and current - I have not received any correspondence or back up and credit file has been ruined and costing me money and denials for support

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-11-12 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 writing to dispute the following charged-off account listed on my credit report under Equifax. The account appears to be inaccurate and should be investigated for removal or correction. 

Charged Off Account : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/year> Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Original creditor XXXX  XXXX BANK XXXX The original collector sold the debt to RESURGENT/LVNV FUNDING RESURGENT/LVNV FUNDING Have not provided me with any paper work stating there the original collector and any sign document with my signature on i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 submitting this second complaint because my credit report with TransUnion continues to display a fraudulent collection account that I did not authorize, open, or provide. 

Despite my previous dispute and the submission of valid identification, proof of address, and supporting documentation, this inaccurate account remains on my file which constitutes a violation of my consumer rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The account in question is reported by XXXX XXXX, Account XXXX XXXX *, with a balance of {$1900.00}, opened on XX/XX/year>, and classified as XXXX. 
I have no relationship with this creditor, did not authorize or apply for any credit with them, and have never received any valid documentation proving that this account belongs to me. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) TransUnion must follow reasonable procedures to assure maximum possible accuracy of the information it reports. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Upon receiving a dispute, TransUnion must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

15 U.S.C. 1681i ( a ) ( 5 ) Any unverifiable or inaccurate information must be promptly and permanently deleted from the consumers file. 

15 U.S.C. 1681s-2 ( a ) Information furnishers are prohibited from reporting false, unverified, or inaccurate information to credit reporting agencies.

Under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e Prohibits debt collectors from using any false, deceptive, or misleading representation in connection with the collection of a debt.

15 U.S.C. 1692g ( b ) Requires that if a debt is disputed, collection activity must cease until the debt is verified. 

I am demanding a full reinvestigation and permanent deletion of this fraudulent collection account. 
Failure to comply will be considered willful noncompliance with federal law, and I reserve my right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General for enforcement action under 15 U.S.C. 1681n and 1681o. 

Sincerely, 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: AL

Complaint narrative:
XX/XX/year> I took a loan/line of credit draw. Ive made all my payments of {$300.00} on time. The original principal was {$1500.00}. After on time payments my principal is now over {$1800.00}. Even though my payments have been on time. They say this was disclosed in the agreement. I did not see this disclosure and since looked at the agreement and can not find this well hidden disclosure. They seem to have obscured it. 

I offered the following. On XX/XX/year> I will make my payment of {$300.00}. I will then make and additional payment of {$1500.00}. This is the amount of the original principal. I offer this to resolve the account and close it. Settled in full. This is my good faith offer. 

This is obviously predatory lending, so this offer is to close it for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: DC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 submitting a formal dispute concerning the accuracy of the following items reported on my credit file. These accounts are currently being inaccurately reported across the XXXX major credit bureaus ( Equifax, XXXX, and XXXX ), and I request their immediate investigation and correction. Below are the accounts in dispute : CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$370.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$180.00} XXXX, XXXX, XX/XX/XXXX, {$250.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$31.00} XXXX, XXXX, XX/XX/XXXX, {$170.00} INQUIRIES XXXX, XX/XX/XXXX FXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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