vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( 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 2025-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
Unrecognizable medical debt on my credit report resulting in bad credit. I tried to send a letter but never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Today, I discovered that an account was reported to FactorTrust using my personal information without my authorization. The account was reported on XX/XX/year> by XXXX / XXXX. I did not apply for a loan, did not contact this company, and have never had any relationship with them. This appears to be the result of identity theft or fraud. 

The reporting companys contact information : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Phone : XXXX Email : XXXX This fraudulent account has appeared on my credit report and is negatively affecting my credit profile. I am requesting that it be investigated and permanently removed from FactorTrust and all credit reporting agencies.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital Systems , LLC, the furnisher of Account XXXX. XXXX ( {$11000.00} ), has a documented history of consumer complaints and regulatory action demonstrating pervasive compliance failures and illegal or abusive collection practices. The Federal Trade Commission previously alleged that Jefferson Capital Systems violated the Fair Debt Collection Practices Act ( FDCPA ) and the Federal Trade Commission Act by engaging in deceptive marketing and abusive collection conduct, including misrepresentation of debt offers and excessive harassment, as part of a coordinated action with XXXX XXXX, I've done my research. 

I also know about the numerous consumer reports indicate that Jefferson Capital Systems frequently fails to provide proper validation or written notices prior to reporting alleged debts to credit bureaus, does not respond adequately to disputes, reports inaccurate or contradictory account information, and uses aggressive or harassing communication tacticsall practices that violate the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
Under FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ], a debt collector must provide written notice of the debt, including the amount, creditor identity, and dispute rights. No such documentation was ever received for this account before or after reporting. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), furnishers must report only information they have verified as accurate and must conduct a reasonable investigation upon dispute ; Jefferson Capital has failed to produce verifiable evidence of this debt, supporting documentation, or completeness of information, in violation of FCRA standards. Additionally, continued reporting of unverified or inaccurate information contradicts XXXX XXXX  reporting guidelines, which require maximum possible accuracy, supportive documentation, and proper dispute handling. These systemic failures demonstrate a pattern of noncompliance that harms consumers and undermines the integrity of credit reporting, exposing the furnisher to statutory penalties under FCRA 1681n and actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MN

Complaint narrative:
I was reviewing my credit report and noticed an account that is not mine on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
I sent a letter to the company asking them to validate my debt etc and they sent me something that didnt have a service date and didnt validate my debt at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have faxed the information to Wells Fargo to collect on my mothers IRA who passed away. I have faxed over the forms numerous times and have been told it was filled out wrong or they did not receive it? This has been going on since XXXX have been to my local branch to have them fax it numerous times so I know they received it because I have a confirmation page. I want my money and this is starting to really agitate me!

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS COMPLAINT CONCERNS ACCOUNTS APPEARING ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE. I HAVE NO AFFILIATION WITH THESE ACCOUNTS AND FORMALLY REQUEST THEIR REMOVAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 filing this complaint as a consumer disputing inaccurate, incomplete, and unverified information being reported by TransUnion on my credit report. 

Charged-Off Accounts in Dispute ( TransUnion ) The following accounts are being reported as charged off and are disputed : XXXX XXXX XXXX  Account ending XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$400.00} I dispute the accuracy and completeness of these accounts and request that TransUnion verify each account with proper documentation. Any account that can not be fully verified should be removed from my credit report. 

Late Payment in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX I dispute the late payment being reported and request TransUnion verify the payment history and correct or delete any inaccurate late payment information.

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 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Prepaid card XXXX Issue : XXXX XXXX Trouble accessing funds/ Account information unavailable / Incorrect balance Complaint Narrative I am filing a complaint regarding a Bank of Americaissued Visa prepaid reward card associated with a Marriott program.

The website printed on the card ( www.baml.com/reward ) is no longer functional and redirects to Bank of Americas general homepage, making online access to balance information impossible. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX I spoke for approximately XXXX minutes with a representative named XXXX in Bank of Americas escalation department on a recorded line. The representative stated that he is the only individual named XXXX working in that department. 

During the call, Bank of America acknowledged that the prepaid card was associated with a XXXX program and that authorization from the program sponsor was required, which I identified. However, when I explained that the balance amount being referenced did not align with my records, the representative refused to review or verify historical balance loads or investigate the discrepancy further. 

I also raised Bank of Americas escheatment duties and responsibilities regarding prepaid card funds that are inaccessible to the consumer. Despite this, the representative declined to : review balance history, confirm whether any escheatment review had occurred, or provide any clear path to determine whether funds remain, were transferred, or were escheated to a state unclaimed property office. 

As a result, I am unable to access, confirm, or recover funds associated with this prepaid card. Bank of America has failed to provide : a functional access method, transparent balance information, or disclosure regarding escheatment status or recovery procedures.

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 2025-12-23 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: IN

Complaint narrative:
I am submitting this dispute to request an investigation and correction of inaccurate information reported on my credit report. Below are the details of the accounts in dispute : CHARGED OFF XXXX & XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXXXXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENTS XXXX, Account Number : XXXXXXXX XXXX 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 2025-12-23 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
After a review of my XXXX XXXX card issued through XXXX I noticed XXXX charges for gas that neither myself nor my authorized user are responsible for. I promptly attempted to dispute the XXXX charges online through my consumer portal but was unable to complete the request due to an unknown error on the website. I then submitted a message requesting that the XXXX charges be submitted for dispute. A response was received the following day instructing that I call. I then contacted the company by calling the phone number provided on the website XXXX and advised that I would like to cancel all credit cards associated with my account and have only XXXX reissued with new numbers - XXXX to myself and XXXX to my authorized user. I would also like to report the fraudulent charges I see on my statements- the XXXX I see is on XX/XX/XXXX in the amount {$35.00} in XXXX, TX Transaction details : XXXX XXXX XXXX TX Credit card ending in XXXX ; {$35.00} POST DATE XX/XX/XXXX TYPE purchase MERCHANT CATEGORY Vehicle Services-AUTOMATED GAS DISPENSER REFERENCE NUMBER XXXX and the XXXX : in the amount {$35.00} also in XXXX, TX XXXX XXXX XXXX XXXX XXXX TX Credit card XXXX in XXXX {$35.00} POST DATE XX/XX/XXXX TYPE purchase MERCHANT CATEGORY Vehicle Services-AUTOMATED GAS DISPENSER REFERENCE NUMBER XXXX I also stated in response to several questions that my authorized user and I both have possession of XXXX cards but I see XXXX on my portal so please just cancel and reissue XXXX. I also stated that the XXXX fraudulent charges seem to have been charged in XXXX, TX we both have never been to TX. A few days later I received a letter stating that my request to dispute the charges were denied since I stated that I have XXXX of the cards in my possession. 

We all know that skimmers is a huge scam out there right now so this is very possible what happened here, considering. Also, we are in FLORIDA and could not have made the XXXX, TX charges using the cards. In denying the request, it would appear that I am being accused of lying which of course I don't take too kindly too. 

Please let me know what you need from me in order to get this resolved as quickly as possible. Thank you!

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-23 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
On the following dates, the companies listed below placed credit inquiries on my consumer credit report without my authorization : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I did not apply for credit, request services, complete an application, or provide written or verbal consent to any of these companies. 

The unauthorized inquiries include, but may not be limited to : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX On XX/XX/year>, I reviewed my credit report and identified these inquiries as inaccurate and unauthorized. Since XX/XX/year>, I have been reporting and disputing these inquiries with the appropriate companies and consumer reporting agencies. Despite these ongoing disputes, the inquiries remain on my credit report. 

These unauthorized inquiries have negatively affected my credit profile, including an approximate XXXX decrease in my credit score. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), credit inquiries must be supported by a valid permissible purpose, which does not exist in these cases. 

I am requesting that each company listed above : Provide verifiable documentation showing my authorization for each inquiry, or Immediately remove the unauthorized inquiries from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) No contract, application, or permissible purpose exists to justify these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Supreme Lending
State: MO

Complaint narrative:
I opened this file in good faith to negotiate a short sale and to mitigate losses caused by documented financial hardship. I supplied evidence of the hardships endured and fully cooperated with the servicers requests. 

I respectfully requested clarification as to why significant weight was given to a drive-by appraisal, which lacks credibility and does not reflect the true market value or condition of the property. This type of appraisal does not account for the interior condition and therefore can not accurately represent fair market value. 
The asset broker appears to be asserting a value that is substantially higher than what the open public retail listing has been able to attract. Despite being exposed to the entire market, the property has not received offers at or near the value derived from the drive-by appraisal, indicating that the appraisal is overstated. 

I have been placed in an untenable position where I am expected to reconcile an inflated valuation that does not reflect reality, while facing foreclosure. This raises serious concerns regarding inequity and injustice in the evaluation process and undermines my constitutional and contractual rights to pursue legitimate loss mitigation based on verified hardship. 

Additionally, I have received conflicting statements regarding who ordered the appraisal. The servicer has claimed that the VA ordered the appraisal, while VA guidance indicates that the servicer is responsible for ordering the appraisal. Further, the appraisal is set to expire on XX/XX/year>, meaning it is already approximately four months old and increasingly unreliable. 

These issues have prevented a fair evaluation of my loss mitigation options and jeopardize my ability to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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