vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
On XX/XX/year>XXXX XXXX completed an investigation into my dispute of account XXXXCreditFresh and confirmed the XX/XX/year> payment status was updated to Current, with the account reporting as Paid or Paying as Agreed. 

However, my consumer credit file as seen by creditors and through XXXX own credit report products still incorrectly shows the XX/XX/year> payment as late. 

This violates : FCRA 611 ( a ) ( 5 ) ( A ) failure to promptly modify/delete inaccurate data after reinvestigation.

FCRA 607 ( b ) failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) failure to conduct a reasonable reinvestigation if the correction does not appear in the consumer file. 

This ongoing inaccuracy is materially harming my creditworthiness and my ability to obtain credit. XXXX own records prove the late mark is false, yet it remains in the public-facing file.

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

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit report, nor did I apply for anything with them. As a consumer, I value my rights, and I feel they have been violated. My life is already stressful enough, and this situation is adding unnecessary anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, each resident of the same household received calls from Procollect Inc. regarding an alleged debt of {$35.00} for a water bill from XXXX XXXX XXXX  No written notice or documentation of this debt had ever been received prior to these calls. 

Two representatives refused to provide details until personal information was given and pressured for immediate payment over the phone. One representative stated that the debt could not be disputed because it had already been sent to collections. When asked how to dispute, this representative said he had marked the account as refused to pay and stated that payment must be made within two days via money order to their address, then hung up. Another representative refused to assist with the online payment portal when phone payment was declined.

When pressed, one representative stated there were 30 days from today to dispute the debt, which contradicts the Fair Debt Collection Practices Act requirement that the 30-day dispute period begins upon receipt of written notice. As of this date, no written notice has been received. 

XXXX XXXX XXXX tenant portal shows no balance, no past due charges, and no indication of any debt in collections. An attempt to use the account number provided by Procollect Inc. in their online payment portal failed, as the number was invalid and not the correct length.

Procollect Inc. appears to be violating the Fair Debt Collection Practices Act by attempting to collect a debt without providing written notice, misrepresenting the right to dispute, using false urgency and intimidation, and refusing to provide proper validation. A dispute letter with supporting documentation has been sent to Procollect Inc. via certified mail.

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 2025-08-08 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 recently obtained my credit report and there are multiple fraudulent accounts and inquiries.

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-08 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : BANKCRUPTCY - Account Number : 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 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 2025-08-08 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: CT

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

1681c2 ) that you, the Equifax 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 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/XXXX, Balance : {$2000.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Subject : Cease and Desist Regarding Debt Collection Dear XXXX XXXXXXXX XXXX XXXX Synchrony Bank, I am writing to formally dispute the validity of a debt you claim I owe, identified by account number XXXX. I have no obligation to pay this debt, as I believe it is not legitimate and does not belong to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all communication regarding this alleged debt until you can provide verification of its legitimacy. Please provide documentation showing that I am responsible for the debt in question. 

If you continue to pursue this matter without appropriate verification, I will have no choice but to take further action to protect my rights. 

Thank you for your attention to this matter. I expect your prompt response. 

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 2025-08-08 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: CA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This is a follow-up complaint to an unresolved issue previously filed with the CFPB ; COMPLAINT ID XXXX. While the company responded to the original complaint, they failed to fully address the core issue. Their response admitted billing errors but refused full restitution. 

I held a Big Lots store credit card, which became unusable after the local store closed. The account was later reported as closed on my credit report. Despite that, the company continued charging me for XXXX XXXXXXXX, a debt cancellation service, and applied finance charges on top of those fees. 

I attempted to cancel XXXX XXXX  multiple times, but the company made cancellation difficult by requiring a phone call to a separate number. There was no option to cancel online or through standard account management, which was not only obstructive but violates fair billing practices. 

The companys response to my original CFPB complaint admitted that the XXXX XXXXXXXX program was not canceled until XX/XX/year>, long after the card had become inactive and despite my earlier cancellation efforts. They issued a partial credit of {$99.00}, but refused to remove all remaining XXXX XXXX charges or the finance charges that resulted from them. 

I also want to emphasize that these unwarranted fees and inflated interest charges have pushed the account over its limit. Despite my efforts to make payments, the balance continues to grow instead of decreasebecause payments are being applied toward bogus charges and interest. This is abusive, deceptive, and financially damaging. 

Additionally, I do not recall ever enrolling in the XXXX XXXX program, and I was never presented with signed or verified opt-in documentation. Mailing program terms after the fact does not prove valid consent. 

I am requesting that the company : Fully remove all XXXX XXXX charges after the store closure Remove all finance charges that stemmed from those fees Correct the reported balance and reflect only lawful, verifiable charges If this remains unresolved, I will file with the FTC and dispute the tradeline with the credit bureaus under FCRA.

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

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-08 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX  Traded in my XXXX XXXX ( XXXX ) and they sent a check to XXXX - Paid in full by XXXX XXXX XXXX {$16000.00} which was the payoff quote on XX/XX/XXXX. 
XXXX Nissan XXXX  drafted {$490.00} from my back account ( my mistake not to stop the reoccurring payment thinking the payoff would stop the auto payment ) XXXX called and spoke to Nissan XXXX XXXX ( someone in another country at a XXXX XXXX ) that said that refunds take 21 days to process and to please wait. 
XXXX called back because refund check wasnt received. Spoke to the same XXXX XXXX  worker who couldnt tell me anything but to wait a few more days. 
XXXX called and spoke to escalation department that said my refund didnt get processed and they would file a report to have it researched. This process takes 2 weeks and to call back. They said they dont contact people to give the status of the research. 
XXXX called back to check status and spoke to someone that told me the refund system was down and not processing checks. To call back in a few days. 
NOTE : Called back a few other times ( dont have specific dates ) just to be told the refund system was down and to keep checking back. 
Some of the CSRs were nice and tried to be helpful but those in foreign countries were rude ( they should listen to the recorded calls ). 
XXXX Called and got to the escalation department to be told that Nissan doesnt have the money to send out refund checks right now and cant send a check. 
Got transferred to Consumer Affairs but they dont help with Nissan XXXX department XXXX and I would have to contact them. 
Which is pointless because no one can tell me anything. 
Called Nissan Headquarters ( XXXX ) XXXX and requested the Executive Escalation department as suggested in an online forum Had to leave a voice mail with info and was told someone would get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Went to a bakery places a order the bakery said they do not accept cash app digital wallet made a dispute with cash app and they denied I have not received bakery goods or money back from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$38000.00} XXXX - Account Number : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 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, 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