vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: GA

Complaint narrative:
I am writing to formally dispute the outstanding balance reported on my account for my former unit at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX where I was a tenant for XXXX years. I have recently discovered that this alleged balance has been reported to the credit bureaus, which I find deeply concerning given the lack of proper documentation and the issues outlined below. 
First, no final walkthrough was conducted upon move-out due to the unavailability of any property XXXX or representative. In response, I documented the units condition through detailed photos and video recordings taken before returning the keys. As a tenant with a two-year rental history, no lease violations, and only one late payment, I expected a fair and accurate final statement.

I also paid a {$2000.00} security deposit, and under Georgia law ( O.C.G.A. 44-7-33 ), a landlord is required to provide a written list of damages and estimated repair costs within XXXX business days of move-out. Furthermore, normal wear and tear such as worn carpet, minor marks, or fading paint is not legally considered damage and should not be deducted from a tenants security deposit. 
Additionally, attached is my payment confirmation for the period of XX/XX/year> XX/XX/year>, which included payment for the following services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I have reviewed the billing details and noticed duplicate charges for XX/XX/year>. I am requesting a full review of this billing error. Please provide : A complete itemized bill for all charges on my account, including dates and descriptions. 
Receipts or vendor invoices for any maintenance, cleaning, or service charges. 
A written explanation for the duplicate XX/XX/year> charges. 
Given that this account is now negatively affecting my credit, I am urgently requesting a written response along with all supporting documentation. If the charges are found to be incorrect, I also request that your office formally update the credit bureaus to remove or correct the negative entry. 
Until proper documentation is provided, I am disputing the balance in full. I also request that no further collection activity be pursued until this matter is resolved in accordance with Georgia tenant protection laws. 
Please respond in writing to the address or email listed above. I appreciate your prompt attention. 
Sincerely, XXXX XXXX XXXX Attachment : XX/XX/year> Payment Confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00}

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
b'REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY#XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: PA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : XXXXXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-18 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: NJ

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : XXXXXXXX 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

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 2025-06-18 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: 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 XXXX  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. 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 XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IA

Complaint narrative:
Contacted Experian Credit Bureau when I tried to log in to their website on XX/XX/year>. They had a different password than what I had in my records. When I tried to " log in another way '' they had a phone number and an email address I did not recognize. I called their phone number and they played predatory advertisements for the fee-based consumer protection services. I stayed on hold for XXXX minutes and no agent picked up the phone. It left me with the impression that they were biased in responding to customer service complaints and prioritize processing based on if you pay the fee 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 explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app takes money from my account without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: VA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing a charge of {$380.00} for a XXXX XXXX  ( charge date : XX/XX/year> ) that I was unable to use due to the property being physically inaccessible. The road was steep, gravel-filled, and impassable by both an XXXX  and a XXXX vehicle, despite the listing claiming " any vehicle could access '' it. We were forced to rebook emergency lodging. 
This is not a cancellation issue it's a services not rendered / property not as described case, which is protected under the Fair Credit Billing Act. I submitted complete documentation to Capital One : a witness statement, photos, host messages, and the listing but Ive only received generic denial letters stating I didnt follow the cancellation policy. 

XXXX other charges for the same XXXX reservation were ruled in my favor by Capital One. Im asking the CFPB to review this final charge and require Capital One to resolve it with consistency and fairness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: MS

Complaint narrative:
I obtained a line of credit from CreditFresh on XX/XX/XXXX, for {$1700.00}. The loan was set up with a flat cycle fee of {$210.00}, with no stated APR and no clear explanation of how payments would reduce my balance. Since that time, I have made multiple payments, but the principal has not noticeably decreased, and CreditFresh continues charging the {$210.00} fee on a regular cycle. 

On XX/XX/XXXX, I submitted a formal written request for a complete transaction history, including all payments made, cycle fees charged, and how those payments were applied to the principal. I also cited my rights under the Fair Credit Billing Act ( FCBA ). CreditFresh responded by directing me to view general statements online, which do not provide a full breakdown or satisfy my request. 

Despite multiple follow-ups on the same day, including providing identity verification ( last four of SSN and date of birth ), the company has refused to provide a full account history. They eventually sent a partial loan summary, but it did not include full payment records, dates, or how much of my balance is still owed. 

This lack of transparency makes it difficult to determine if I am just paying endless fees without any reduction in principal a pattern that resembles predatory lending behavior. I believe many borrowers are unknowingly caught in this same structure. 

I am requesting that this complaint be published on the CFPB website so other consumers can be warned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
XXXXI received an email XXXX from Resurgent Capital Services stating they are attempting to collect XXXX  from XXXX XXXXI know this to be false as I have established credit with XXXX XXXX credit cards XXXX XXXX XXXX  years.  I have held a savings account for about as long and have held CDs during various periods with XXXX XXXX.  They certainly WOULD NOT have extended me credit or allow me to open savings accounts and CDs well in excess of what Resurgent Capital claims I owe XXXX XXXX.  I the years I have been a visible account holder and have accessible to XXXX XXXX  I have never been sent a bill or anything stating I owe XXXX XXXX anything.XXXXFurthermore XXXX XXXX states they do not have anything referred out for collections.XXXXResurgent Capital Services has not responded with the requested validation of their claim that I owe XXXX XXXX money. XXXXThe debt that Resurgent claims I owe is a fabrication on their part or is a debt someone else owesXXXXAt any rate this bill appears to old, time barred, and uncollectible by statute.XXXXThe email requests sensitive personal data which I am hesitant to provide in light of me owing XXXX XXXX and their concurrence that I owe them nothing other than what I owe on regular credit transactions.XXXXI have never owed XXXX XXXX any money an all my accounts dating back XXXX XXXX years have been paid in full each billing cycle.  XXXX XXXX would not have extended me credit owing them an outstanding balance or having a bad experience with me in the past. .XXXX XXXX and online users states such emails are likely a scam.  The email requests banking and other sensitive personal data I am hesitant to disclose. XXXXI owe nothing now or in the past with XXXX XXXX How can I resolve this obvious scam or error??'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 : [ DEPTEDXXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received a call today from Chase JP Morgan ( XXXX ) informing me a CREDIT CARD application in my name with my address and SSN information had been submitted. I confirmed I had NOT requested such credit card. I was told that somebody had stolen my personal information, that the case number was XXXX XXXXXXXX, and then I was connected to the Consumer Financial Protection Agency where a XXXX XXXX XXXX ( ext XXXX ) requested my SSN to confirm the fraudulent application and begin the investigation. I told XXXX XXXX I could not provide my personal SSN over a call I had not initiated. I tried calling the CFPB but I could not reach a person. 
Please confirm the CFPB will contact Chase JP Morgan and make sure no card is given in my name to the fraudsters. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MULTIPLE ATTEMPTS MADE TO XXXX  XXXX FOR INCORRECTLY REPORTING MY XX/XX/year>XXXX XXXX PAYMENT XXXX OR MORE DAYS LATE. ALL PAYMENTS MADE WERE BEFORE XXXX  DAYS. REQUESTED PROOF AND EACH REQUEST WAS DENIED. SEE the ATTACHED LETTER, WHICH INCLUDES THE PAYMENTS MADE. NONE OF WHICH ARE XXXX OR MORE DAYS LATE. THIS INFORMATION IS DIRECTLY FROM THE XXXX  XXXX XXXX XXXX APPLICATION. 

ALSO, THIS PAYMENT WAS REPORTING " PAID ON TIME '', THEN IT WAS CHANGED TO " LATE '', THEN CHANGED AGAIN TO " PAID ON TIME '', THEN LATE AGAIN. SERIOUS FCRA VIOLATIONS SEE ATTACHED LETTER

Company response to consumer: Closed with explanation