vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: TN

Complaint narrative:
I am writing to formally dispute and request an investigation into inaccurate information being reported on my TransUnion credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) 611, I request that these accounts be verified or corrected/deleted immediately. 
Below are the specific accounts in dispute XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$830.00} Reason : The account is being reported with a XXXX late payment despite consistent payments shown. Payment history across bureaus is inconsistent, and XXXX  even reports a {$0.00} balance, which is contradictory. I request validation of the payment status and balance, including full records from the original creditor. 
XXXX. XXXX ( Auto Loan ) Account Number XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$26000.00} Reason : This account is inaccurately reported with multiple XXXX late payments across different months, despite on-time payment history reflected elsewhere. There are discrepancies in balance and reporting dates between the bureaus. Please verify this information and provide documentation, or remove the inaccurate lates. 
XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$2200.00} Reason : The file shows XXXX late payments which are incorrect and not supported by my records. Additionally, XXXX  reports a {$0.00} balance while TransUnion shows {$2200.00}. 
This inconsistency raises questions regarding the accuracy of the account. Please validate with complete payment history or remove the derogatory marks. 
XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$3500.00} Reason : The account is listed as XXXX late with a past due amount of {$550.00}, but this is not accurate. The creditor reporting is inconsistent across the XXXX bureaus. I request validation of this account, including proof of late payments and balance history. If the creditor can not verify, please delete these inaccuracies.

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 2025-08-22 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 filing this complaint regarding multiple items currently appearing on my credit report that I believe are either inaccurate, unverifiable, or misreported. The accounts and inquiries in question are as follows : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX, Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TN

Complaint narrative:
I am filing this complaint regarding multiple items currently appearing on my credit report that I believe are either inaccurate, unverifiable, or misreported. The accounts and inquiries in question are as follows : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX, Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-22 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-22 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 am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$22000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: MN

Complaint narrative:
I reviewed a copy of my XXXX  credit report and noticed that there is a item as follow : - - Account Name - XXXX XXXX XXXX, - Address - XXXX XXXX XXXX XXXX, NY XXXX - Phone Number- ( XXXX ) XXXX This is inaccurate in my credit report and I was shocked that I have been a victim of identity theft. This has hurt me so bad as I am in the process of buying a home for my family. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative marks found on my credit reports ( Experian ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I used a cryptocurrency investment app crypto.com, for less than 1 hour and encountered serious technical problems. The app repeatedly froze, timed out, and prevented me from withdrawing my funds or adjusting my investment thresholds. I submitted a detailed support ticket, including screenshots and timestamps, and requested a refund due to the faulty service.

Instead of addressing the problem, customer service repeatedly asked me to recreate the issue via a screen recording, which would require reinvesting additional fundsa request I found unreasonable and risky given the app 's failures. I again requested a refund, account closure, and data deletion, citing the companys own policy. My requests were ignored.

The agent closed my ticket without resolution. After attempting to reopen the conversation, I was locked out of support. Conveniently, I then received multiple emails from the company about maintenance outages that aligned directly with the issues I had reported, which further confirms that the technical issues were on their end.

I am seeking : A full refund of the money deposited Closure of my account Deletion of all personal data Removal from marketing communications The company has failed to respond meaningfully and appears to be dismissing customer concerns. I am reporting this for investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony is ruining my credit by maxing out my cards. 
They are cutting my available credit down to the current full balance of my accounts even though I make substantial payments on time every month. 

Of the two cards they have done this to, my available credit has been reduced by around 50 %.

This is the worst thing that you can do to someone's credit score, and I don't know why a financial institution is implementing these tactics. 
I have never once at maxed out a single card myself, but now my credit score is being affected by showing that I'm using all of my available credit. 

XX/XX/XXXX update : Now they have lowered my XXXX XXXX card from {$1000.00} to just over the balance leaving me a {$17.00} available credit. 
My autopay phone bill will be deducted from this card tomorrow putting me over the limit. 

XX/XX/XXXX update : Now they have lowered my Lowe 's credit card available credit from {$1000.00} to {$12.00} over the balance

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 2025-08-22 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: Experian Information Solutions Inc.
State: FL

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 2025-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX called me multiple times. He called not only my cellphone, but also my employer 's phone. He used profane language and treated me very poorly. I was defending myself because he was yelling at me and telling me about all of these other assets he took as a scare tactic ; he even threatened to take my vehicle. He threatened to take me to court, take all my money from my employer, hung up on me, lied to me, and told me a lady I had spoken with was fired. Come to find out, when they didn't get the payment, the lady who he told me was fired called me! He wouldn't let me speak and was literally demanding that I set up a payment plan. This guy had me crying because of the way he was speaking to me. I asked if there was a way I could look online for my payment information, or if I could have documented proof, and he said they didn't. After looking at the website, there's an online payment portal. 

Based on the Fair Debt Collection Practices Act, which applies to him because he is a third-party debt collector ... the following things are in violation. 
He used or threatened to use violence or criminal means to harm me, my reputation, or my property He used obscene or profane language Falsely represent or imply that he is an attorney or that communications are from an attorney. ( When asked for proof, none was shown, but he sure did tell me multiple times that he was the owner of the company and that he was an attorney. ) Falsely represent or imply that I committed a crime or other conduct to disgrace the consumer. 
A typical Mini-Miranda statement might sound like this : " This is an attempt to collect a debt. Any information obtained will be used for that purpose ''. ( He didn't provide one, and neither did she. )

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 2025-08-22 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: SC

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: KS

Complaint narrative:
I previously rented an apartment at XXXX XXXX. During my tenancy, management attempted to charge me pet fees for my dog, even though I provided a valid Emotional Support Animal ( ESA ) letter. Under the Fair Housing Act, pet fees can not be charged for an ESA. The apartment refused to honor my ESA accommodation and added fees that I do not owe.

Because I disputed the charges, I terminated my lease early. Afterward, the apartment turned the disputed charges over to Vance & Huffman LLC. On XX/XX/2025, Vance & Huffman reported this debt on my credit report as if it were valid. 

I have already filed a complaint with HUD regarding the refusal to accept my ESA letter and the related housing discrimination. I also received a voicemail from the apartment accusing me of cheating the system, which I found harassing and intimidating. 

This debt is not valid. I am requesting that Vance & Huffman LLC remove this negative collection item from my credit report, as it stems from charges that are unlawful and not owed. 

This debt is not valid. I am requesting that Vance & Huffman LLC remove this negative collection item from my credit report, as it stems from charges that are unlawful and not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: UT

Complaint narrative:
This Happened on the XX/XX/year> XXXX Am I was sleeping peacefully when I woke up saw I had an unauthorized transaction I couldnt do anything it so I contacted cash app support they said they couldnt help me because they said I needed my sponsor but my sponsor isnt online anymore now they wont help me getting my money back

Company response to consumer: Closed with explanation