vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hunt & Henriques response to my prior complaint is filled with contradictions and bad faith representations that can not be ignored. 

First, their own filings and phone system confirm the central issue : when you call XXXX XXXX directly, you are told the debt is owned and handled exclusively by Hunt & Henriques. Yet in their CFPB response, they claim XXXX XXXX still owns the account. This is a direct contradiction and a violation of consumer protection standards. If XXXX XXXXXXXX truly owns the debt, it is unlawful for Hunt & Henriques to prevent me from paying XXXX XXXX directly but when I asked XXXX XXXX to accept payment, I was told I had to pay only through Hunt & Henriques. This circular obstruction creates confusion by design, undermining transparency and my right to know who actually owns and controls the debt. 

Second, Hunt & Henriques deliberately avoided communication until I filed both my court Answer and my CFPB complaint. Prior to that, I sent certified mail and made repeated attempts to contact them, all ignored. Their sudden engagement only after I filed makes clear they were attempting to secure a default judgment rather than resolve the matter in good faith. This tactic is not only predatory but has now forced me to incur my own legal expenses unnecessarily. 

Third, their characterization of my {$2000.00} offer as coercion is disingenuous. Settlement negotiations are standard industry practice, and consumer complaints through the CFPB are expressly protected. Framing my attempt to resolve the matter at over 50 % of the debt ( after they themselves admit XXXX XXXX waived hundreds of dollars in fees and interest ) as coercion shows their disregard for fair dealing and consumer rights. 

Finally, their reliance on cases like XXXX XXXX XXXXXXXX XXXX is misplaced. Those rulings do not excuse debt collectors from acting in bad faith, ignoring communications, or creating contradictions around debt ownership. What Hunt & Henriques has done is create a situation where the consumer can not verify ownership, can not pay the creditor directly, and is left vulnerable to litigation gamesmanship, a textbook example of abuse of process and unfair collection practices. 

I request that the CFPB investigate these contradictions, particularly the ownership misrepresentation, Hunt & Henriques refusal to engage until forced by court filings, and the clear attempt to secure a default judgment by avoiding communication. These actions demonstrate a pattern of predatory collection behavior that goes far beyond hard line repayment and into violations of fair collection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-18 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: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-08-18 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: LEXISNEXIS
State: GA

Complaint narrative:
Thank you for your notification regarding my recent submission. I acknowledge your determination that this complaint is a duplicate of a previously filed matter. I understand that a reference has been added to the original record, and I request that all related documentation remain consolidated under that case for accuracy and completeness. 

Please continue to keep me informed of any updates or actions taken on the original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was defrauded by a company by the name of XXXX. The owners name is XXXX XXXX. His company XXXX XXXX was 3rd party vendor for XXXX. An unauthorized charge was made on my Chase Business Card in XXXXXXXX XXXX XXXX. XXXX XXXX refused to refund the money to me. this was a pattern that he enacted on 35 other clients like me who did business with XXXX XXXX  Myself and several other clients filed a lawsuit and as a result he closed his company and filed bankruptcy. I reported the fraud to Chase Bank Card Services and filed a fraud complaint with their fraud department and sent evidence that there is a legitimate lawsuit against XXXX XXXX and XXXX XXXX Even with evidence the charges were unauthorized Chase is still holding me responsible for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX a representative named XXXX XXXX left a voicemail insisting I call her back XX/XX/year>XXXX XXXX XXXX I called back and left a voicemail for XXXX XXXX that I do not know what this is for nor have I ever received a bill for this to review. I left my address at XXXX XXXX XXXX for her to mail me what this is for. 

XX/XX/scrub>XXXX XXXX XXXX  XXXX XXXX tells me this is a recorded line and I explained that is fine I am recording as well and I was told she does not give permission for me to record the call and hung up on me. 

XX/XX/scrub>XXXX XXXX XXXX  I called her line back and I get the same response and hung up on. 

If I am being threatened that this collection agency is going to report to my credit, they are allowed to record a call with me on it then I should be allowed to record the call as well. Per the consumer laws I have the right to know why something is being collected, for it to be sent in mail with the proof I owe the collection, not hung up on multiple times etc. This is and can be construed as abuse to and a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called to report an unauthorized charge on my credit card for XXXX made by XXXX XXXX. I, Capital One that I had been leaving messages for the resort and they have not called back. I. also informed capital one, that I had a receipt showing that I had paid the final bill and that the resort charged my card afterwards. I was told by XXXXXXXX XXXX XXXX XXXX that it was my fault that this unauthorized charged happened and that if the resort never called me back to correct their system error it was too bad. I asked to speak to his manager and he stated no. I, informed him that this was still fraud to my account and he stated that it was too bad because I had went to the resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I have previously disputed Experian, XXXX and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-18 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXTransUnion Consumer Solutions\XXXX XXXX XXXX, PA XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Transunion Consumer Services,XXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\XXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.XXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.XXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I am writing to dispute the way my closed Apple Card account is being reported on credit reports and to request immediate resolution. 

I was a co-owner on Goldman Sachs Apple Card account that was closed after the other account holder filed for bankruptcy in XX/XX/XXXX. Immediately after the bankruptcy filing, I attempted to make payments toward the remaining balance, but Goldman Sachs informed me I could not because of the other partys bankruptcy status. From XX/XX/XXXX to XX/XX/XXXX, my credit score was not impacted. 

Beginning in XX/XX/XXXX, my credit score began to drop because of this delinquency. Despite my repeated efforts to resolve the debt with Goldman Sachs, the account continues to be reported as unpaid, and my credit score has dropped from XXXX to XXXX. I no longer have access to this account via Goldman Sachs Apple Card as the account is marked closed. The only communication that has existed are my multiple calls with Customer Support including the last two on XX/XX/XXXX and XX/XX/XXXX. 

This reporting is unfair and inaccurate because it implies I have refused to pay, when in fact I have been prevented from doing so. Repeated calls with Goldman Sachs have resulted without resolution. They report they are unable to reopen the account to allow for payment, but they continue to report monthly which negatively impacts my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-08-18 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: MD

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 explanation
Consumer complaint received 2025-08-18 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$4900.00XXXX XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$3300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I was issued a XXXXXXXX XXXX XXXX XXXXXXXX XXXX payment in the amount of {$5300.00} for back benefits owed to me for XXXX XXXXXXXX XXXX XXXX XXXX XXXX notified me by mail on XX/XX/year>, and I subsequently received a XXXX XXXX debit card in late XX/XX/year>. 

On XX/XX/year>, when attempting to pay my rent, I was unable to activate the card because the XXXX XXXX XXXXXXXX application did not recognize the debit card number. On XX/XX/year>, I contacted XXXX XXXX by phone and was informed that my debit card number, expiration date, and personal identity information had been electronically compromised. Fraudulent charges totaling {$3900.00} had been made without my authorization. 

XXXX XXXX then closed my account to prevent further misuse and issued me a check for {$1400.00}, representing the portion of my benefits that remained after the theft. 

On XXXX XXXX XXXX XXXX XXXX sent me a letter acknowledging that several charges were fraudulent. They stated that credits in the following amounts were due : {$360.00} {$5.00} {$190.00} {$940.00} {$340.00} {$940.00} {$940.00} These credits total {$3700.00}. However, XXXX XXXX never issued me a paper check for this amount, despite acknowledging that these funds were owed. 

On the same date, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX sent me a second letter claiming that two charges at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, CA ( {$80.00} and {$75.00} ) were legitimate transactions. This determination is false. I did not authorize or conduct those transactions. 

XXXX XXXX XXXXXXXX Police Department ( XXXX ) investigated this matter ( Incident # XXXX ). According to the police report, XXXX XXXX XXXX refused to cooperate with investigators, did not provide any records, and could not be contacted by voicemail. Page 5 of the XXXX report explicitly states : XXXX did not give any person, at any given date or time, authorization to take or use his XXXX XXXX XXXX. 

XXXX XXXX has provided no forensic transaction data ( such as XXXX XXXX terminal ID, or surveillance ) to justify their denial of these two fraudulent charges. Given the refusal of XXXX XXXX XXXX to cooperate with police, and absent forensic proof that I personally made these purchases, these charges must be considered fraudulent along with the other unauthorized transactions. 

In summary : I was the victim of identity theft and fraudulent use of my XXXX XXXX  debit card. 

XXXX XXXX acknowledged {$3700.00} in fraudulent charges but has never refunded this amount. 

XXXX XXXX wrongfully denied two additional fraudulent charges ( {$80.00} and {$75.00} ) without providing legally required documentation. 

I am therefore owed {$3700.00} + {$80.00} + {$75.00} = {$3900.00}, plus confirmation of full compliance with the Electronic Fund Transfer Act and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation