vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this statement regarding the Equifax data breach, which exposed the sensitive personal informationI. I was notified that my data including my name, Social Security number, date of birth, and potentially other personal identifiers was compromised without my knowledge or consent.I believe this breach represents a serious violation of consumer protection laws, including theFair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires credit reporting agencies to maintain reasonable procedures to ensure the confidentiality and accuracy of consumer information. Furthermore, I believe Equifaxs failure to prevent the breach and to promptly notify affected individuals constitutes an unfair practice under theFederal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), which prohibits unfair or deceptive acts or practices in commerce.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this statement regarding the Equifax data breach, which exposed the sensitive personal informationI. I was notified that my data including my name, Social Security number, date of birth, and potentially other personal identifiers was compromised without my knowledge or consent.I believe this breach represents a serious violation of consumer protection laws, including theFair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires credit reporting agencies to maintain reasonable procedures to ensure the confidentiality and accuracy of consumer information. Furthermore, I believe Equifaxs failure to prevent the breach and to promptly notify affected individuals constitutes an unfair practice under theFederal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), which prohibits unfair or deceptive acts or practices in commerce.

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 2025-09-08 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: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-09 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: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission XXXX FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, TransUnion continues to report the account and the inquiries, causing ongoing harm. 

TransUnion has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

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 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
In XXXX  I thought the loan was approximately {$1500.00} left on balance. After the XXXX  hit I never heard from the company again. Now I have a judgment against me for {$4900.00} approximately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
Sears thank you XXXX was used for the following purchases and i did not authorize. I filled a dispute with them, they reversed them only to charge me again. I did not authorize any of these purchases. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: ND

Complaint narrative:
I got multiple papers about getting garnished for debt of mine. However they were stapled to papers of someone else 's garnishment, their answers, their XXXX XXXX form, the affidavit of service, their debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On Monday XX/XX/year>, I arrived at XXXX XXXX XXXX XXXX at approximately XXXX on XXXX XXXX XXXX from XXXX XXXX I collected my checked bag and went to the area where the XXXX drivers pickup. I did not have any phone reception outside but I saw a couple of cars with the XXXX logo in the windshield and asked XXXX of them if he could give me a ride home. He said he was there to pick up a group of ladies, but they did not show up, so he would take me home for {$30.00}. This was a bit high due to the size and comfort of his vehicle. I was anxious to return home after my trip, so I said ok. The car was a large XXXX XXXX  with XXXX rows of seats. When we arrived at my home, he took my card, processed it and returned it. I estimate the time of arrival at XXXX. At XXXX I received a message there was a possibly fraudulent transaction on my account. I immediately called Barclays Bank at the number they had provided and explained that the charge was supposed to be for {$30.00} not the {$1000.00} they were stating was charged and that it was therefore definitely fraud. The bank allowed the transaction to be posted to my account rather than rejecting it. They alerted me to the fraudulent activity and then did nothing about it. I reported this to the XXXX XXXX XXXX police department on XX/XX/year>. The case # is XXXX and the XXXX handling the complaint is XXXX XXXX. His number is XXXX. There is no full report yet as the investigation is still open. It seems I was not the only victim of this perpetrator. I live in a gated community and there is a camera at the entrance to the complex. We had to stop and I had to show id to enter. The camera was able to get a picture of the license plate and the driver. The police department is in possession of this information and working the case accordingly. My interactions with Barclays have been nothing short of disastrous. Instead of treating me with empathy and concern, they have gone so far as to accuse me of possibly being involved in this scheme. I am a XXXX XXXX XXXX XXXX  and I would appreciate common courtesy from the institutions I deal with on a daily basis. As a former Bank XXXX, I understand how to treat people. Barclays seems to treat their customers as suspects. This should not be tolerated and customer service training should be provided. I am on a fixed income and this scam is causing me to have sleepless nights. I would appreciate being treated fairly.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
First, I don't mind this creditor contacting me. I wasn't given that option. I owe on 5 accounts which I am currently paying on. My problem is Midland Credit refuses to post payments or let all 3 bureaus know that I'm current on payments. They report every month that I'm late but I have my payments automatically withdrawn from my account so that it's guaranteed on time payments. Is there anything this organization can do to make they show current payments on all 3 bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS!

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 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Today, XX/XX/XXXX my father received a phone call from my XXXX credit account, debt collection agency. They did not call me. When he answered, without confirmation that it was me, they told him how much he ( I ) owe and my account + routing number as he was confused as to which of his ( my ) credit accounts was in debt collections. He suggested that I pay it, but before paying it to contact youas this was highly sensitive information and everything about it was illegal with no confirmation to make sure it was me. I would like to figure out the next steps to this, because they have absolutely no right to contact my relatives in regards to the {$800.00} I owe.

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 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I got a letter from wells fargo stating that they were taking money out of my account due to a letter they got from a lawyer on behalf of the Colorado Department XXXX XXXX. They handed over the money citing that they didn't see any payments to the Colorado XXXX XXXX XXXX. However, I have XXXX bank statements indicating that I paid money to the department of revenue. I am requesting repayment for that money.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: OR

Complaint narrative:
On XX/XX/XXXX I filed a fraud dispute dating back to XXXX, XXXX. My card was apparently used by someone for all those months. I don't use the card a lot and my wife makes the payments, so we didn't notice that the transactions WERE NOT MINE. I have waited nearly 3 months and called Citi over and over to see what was going on with the dispute and was told over and over to just wait it was being investigated. Then i recently got a letter from them saying they tried to reach me to provide additional informatioin that they never got from me so they closed the dispute making me responsible for all of the transactions I DID NOT MAKE. I called today and they said no, the fraud case is still open ( even though my online account says it is closed with me responsible ) and that they would send a note to the XXXX asking what info they needed that I didn't provide. Again, uintrue. She also said all the transactions have been reversed and I should receive the money back very soon. I checked again online and it says it is closed and I'm responsible for those charges.

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 2025-09-08 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I called and submitted fraud with Chase bank, I advised them of the fraud occurring on my account when I was released from the hospital. My card was stolen from me prior to going to the hospital due to a car accident. When I called they were able to resolve the issue over the phone with me. I advised that I can send proof of being in the hospital for the week, but they advised it was not needed. The previously cleared the fraud issues, but today as of XX/XX/year> the balance has been added back onto my card without correspondence or a phone call. I was unable to call due to being in the hospital, I can send hospital bills that show the week that I was in the hospital. Im not sure why this balance is now reflecting on my account when it was previously resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: TX

Complaint narrative:
Dear Sirs, I am writing to you regarding the dispute associated with my card ending in XXXX, regarding an unauthorized charge of {$810.00} made on XX/XX/year>, under case XXXX. 
I wish to attest that I do not recognize this transaction and that I have filed the appropriate disputes in a timely manner. Despite this, my appeal was denied without taking into account the evidence I attached. 
Currently, the Best Buy store has confirmed to me that this transaction does not correspond to their system under the reference number you manage. Additionally, I am in the process of filing a police report for fraud in XXXX, Texas. 
Based on the above, I formally request : XXXX. That I be granted an extension of the payment deadline for the alleged debt, until the investigation is resolved. 
XXXX. That I be assured that my account will not be closed nor will my credit history be affected while the case remains in dispute. 
XXXX. That I be issued a detailed, official denial letter in writing, stating the specific reasons why my disputes have been rejected. 
I am again enclosing copies of my appeal, proof of submission, and previous communications. 
I thank you in advance for your attention and cooperation in thoroughly reviewing this case.

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 2025-09-08 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: IL

Complaint narrative:
Ive been a victim of identity theft many accounts have been attempted to be opened in my name causing hard inquiries these inquiries are illegal I have tried to solve the problem with equifax and equifax has done nothing please help me get these illegal inquiries off my report effectively immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Re : Demand for Partial Refund Breach of Contract To Whom It May Concern : I am writing in connection with the agreement I signed with XXXX XXXX XXXX XXXX XXXXXX/XX/2024, which authorized recurring payments foXXXX XXXX XXXX as outlined in your program materials. Under the terms of that agreement, I paid for access to services that were to be provided by XXXX XXXX XXXX. 
Despite fulfilling my financial obligations, XXXX XXXX XXXX has failed to provide the promised services. Specifically : I have been blocked from accessing your website and program resources. 
You have ceased communication and failed to respond to my attempts at resolution. 
As a result, I have been denied the coaching and program benefits for which I paid. 
This constitutes a clear breach of contract. While I understand the agreement states payments are non-refundable, such provisions do not excuse a business from its duty to deliver the services that were contracted and paid for. Because XXXX XXXX XXXX has not provided the services promised, I am formally requesting a partial refund in the amount of XXXX the portion of the program that I was denied.

Company response to consumer: Closed with explanation