vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-03 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: MD

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 XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-03 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: MD

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 XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: SC

Complaint narrative:
Between November 1921, 2025, I used XXXX for four purchases : Three XXXX XXXX gift cards ( {$500.00}, {$500.00}, {$300.00} ) XXXX XXXX XXXX XXXX order ( {$280.00} ) As a non-California resident, XXXX own policy states that the second installment must fall between 8 and 14 days after purchase when Preferred Payment Day is active. 

However, all four of my orders were scheduled at the extreme minimum end of the rangeonly 9 to 11 days after purchase. This is significantly shorter than the usual 14-day schedule I have always received on prior Pay-in-4 orders. 

I did not knowingly activate a Sunday Preferred Payment Day, and I was never clearly warned that this setting could shorten my payment window to the minimum limit rather than the typical 14 days. Because it was not clearly disclosed, I reasonably expected my installments to follow the normal ~14-day grace period. 

After seeing the incorrect dates, I contacted XXXX before any payments were due to report the problem. I also submitted screenshots showing the shortened schedule. Despite reporting early, I received repeated automated responses and did not receive actual human assistance until after the system had already marked multiple payments as overdue. 

Because the system classified these payments as overdue because of a shortened schedulenot because I failed to payI requested correction of the due dates and removal of the overdue marks. XXXX refused, stating that they can not adjust dates once payments are labeled overdue. However, the only reason the payments appeared overdue is because XXXX delayed responding to my complaint until after the system flagged them. 

Although XXXX has a policy allowing installments to fall anywhere between 8 and 14 days when Preferred Payment Day is active, that range applies only when a customer knowingly opts into the feature and understands the consequences. I did not intentionally choose a payment day that would shorten my installment window below my usual 14-day cycle. Because the schedule was changed by a system setting that I did not knowingly activate, and without proper disclosure, this constitutes a billing schedule error. 

These incorrect overdue marks have restricted my account, triggered repeated failed payment alerts, and created internal negative flags. I am concerned that this could impact my credit or risk rating. I am not refusing to pay what I legitimately owe. I am disputing the validity of the overdue classification and the shortened schedule that caused it. 

I am prepared to pay my installments as soon as the schedules and classifications are corrected. I simply want the record to reflect that this was a system and process error, not a failure to pay on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I just want to follow up this complaint regarding multiple inaccuracies and inconsistencies reported by Experian, Equifax, and TransUnion related to both my addresses and credit accounts, which have caused significant confusion and harm to my credit profile. My addresses are inconsistently reported across the bureaus : Experian lists XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX, XXXX, GA XXXX ; Equifax reports XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX, XXXX, GA XXXX ; and TransUnion lists XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX, XXXX, FL XXXX. In addition, account information is conflicting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported by Experian with a balance of {$470.00} and last activity XX/XX/XXXX, while TransUnion reports last activity XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported by Experian with last activity XX/XX/XXXX, by Equifax as XX/XX/XXXX, and by TransUnion as XX/XX/XXXX, all with a balance of {$780.00}. These discrepancies demonstrate a failure by the furnishers and credit bureaus to maintain accurate, consistent, and verifiable data in violation of the FCRA, including 605B, 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 623 ( b ), and 605 ( a ), and they create a misleading representation of my creditworthiness. Despite my prior efforts to dispute these errors with the bureaus, the information remains inaccurate, inconsistent, and potentially harmful for lending decisions, account approvals, and other financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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:
Unauthorized access to my credit report by several companies has directly resulted in harm to both my credit standing and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, that assurance has not been honored, as these inquiries persist on my report. This failure to fulfill the commitment is unacceptable. The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved matter continues to cause significant emotional and financial distress.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I tried to closed my card and ask to refund my annual fee which was assessed in the month of XXXX. I never received an annual notice of renewal and capital one refuse to refund or close my card. Also their business practices is very deceptive. They offer business cards that is fully underwritten under the owner not the business entity itself. All other major cards such as XXXX or XXXX do not report business card activities to personal credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
I never did business with this debt collector nor did I sign anything tying me to this alledge debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have an auto loan with Chase Auto Finance. I am experiencing a temporary financial hardship due to an employment-related legal issue. I contacted Chase multiple times to request a hardship review, deferment, or payment arrangement. Instead of support, the Chase representatives were rude and dismissive. One of them told me to go refinance somewhere else, even after I explained I have a temporary credit score below XXXX and refinancing is not realistically possible. 

Chase refused to offer : any hardship or extension program any deferment or payment plan any late-fee assistance any written explanation or options To show good faith, on XX/XX/2025, I made a payment of {$1700.00}, equal to two monthly installments, using an alternate bank account because Chase is still verifying my primary savings account. The payment is already funded ( XXXX XXXX. XXXX ). I am doing everything in my ability to keep the account in good standing. 

I am requesting the CFPB to require Chase to : conduct a formal hardship review consider a temporary deferment or extension provide a written explanation of available options pause negative reporting while the review is conducted ensure professional communication from Chase staff I am not refusing payment. I am asking for a reasonable hardship accommodation so I can recover from a temporary disruption and keep my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
An inquiry was made on my credit report without my authorization on XX/XX/year>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 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I am writing to dispute a collection account original collection account Xfinity which was sold to another collection account name XXXX XXXX mana that appers on my credit report under my name, XXXX XXXX. This account does not belong to me, and I did not authorized it in any way. I believe I am a victim of Identity theft. 
I am requesting that that this fraudulant account be investigation and permanently removed from my credit report. Please update my file to reflect that i am not responsible for this acoount or any charges associated with it. I also cam provide claim number and documents. 

sincerly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding American Express and their failure to comply with the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901 et seq. Despite multiple attempts to have my rights as an XXXX XXXX service member honored, American Express has not applied the protections mandated by federal law. 
Specifically : My account has not been capped at 6 % interest, as required under XXXX. 
Requests to audit my account for reimbursements of international fees, late payments, and any other charges that should have been waived have been denied. 
I have contacted American Express multiple times via phone and chat, requesting the above protections, but my requests have been refused, despite their website stating that all XXXX benefits will be applied : American Express XXXX Support These actions constitute a violation of my rights under federal law. I am requesting that the CFPB : XXXX American Express for noncompliance with XXXX requirements. 
Ensure that my account is capped at 6 % interest, and that any improperly charged fees are refunded. 
Require American Express to provide written confirmation that all SCRA protections have been applied to my account. 
Attached are copies of all relevant documentation, including : Account statements XXXX orders proving XXXX XXXX status Records of communication with American Express representatives Thank you for your attention to this matter. I request that the CFPB provide updates regarding the progress of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Carvana Group, LLC
State: FL

Complaint narrative:
Traded XXXX XXXX XXXX XXXX back to XXXX for XXXX XXXX XXXX XXXX after responding to email about giving me more money for the trade ( XXXX ) .. On XX/XX/XXXX i recived contract and thought it looked low as my new car payment would be decreased from XXXX to XXXX monthly. I phoned XXXX and was assured everything was correct and was told i had positive equity in my trade. I said lets do it, a few weeks later im still getting calls about the traded in car for payment. It has been over XXXX, they made a clerical error and processed the new loan ( both with bridgecrest ) like i didnt still owe on XXXX vehicle so now they want me to resign new contract raising my payment to XXXX which i wouldve never accepted. i have not signed the new contract and am being threatened with repossession of the XXXX which they have in their possession. feels like a bait XXXX switch and its now impacting my credit. Cars registered in NC but traded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Nothing, I am submitting a rebuttal because XXXX XXXX XXXX ( XXXX ) closed this complaint without providing any of the validating documentation they claim to have. XXXX states that they are sending the consumer letters with validating documentation from the original accounts, but as of today, I have received nothing in the mail and no documents were attached to the CFPB response for review. 

Closing a complaint without providing the promised documentation prevents me from verifying the accuracy or legitimacy of the alleged debts. XXXX did not meet the requirements under FDCPA 809 ( b ) to provide validation, nor did they meet their obligations under FCRA 611 ( a ) or CFPB Regulation V 1022.43 to furnish supporting documentation to verify accuracy. 

PRAs response is incomplete and should not be considered resolved. I request that CFPB compel XXXX to provide the full and complete validation documentation, including : Original signed agreement Full itemized accounting of charges and interest Chain of title from Synchrony Bank to XXXX Proof of mailing any initial notices Proof that the balance is accurate and legally owed Until XXXX provides the promised documentation, this complaint should not be treated as resolved. I request continued oversight.

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 2025-12-03 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: GA

Complaint narrative:
I just want to follow up this complaint regarding multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which have caused confusion, stress, and potential harm to my creditworthiness, as my XXXX Bank account ending XXXX * * * * * * * * * * is reported inconsistently across all three bureaus with a balance of {$470.00}, with Experian showing a last activity date of XX/XX/XXXX reported on XX/XX/XXXX, Equifax showing last activity XX/XX/XXXX reported on XX/XX/XXXX, and TransUnion showing last activity XX/XX/XXXX reported on XX/XX/XXXX, leaving my credit report inaccurate, incomplete, and unreliable, and in violation of my rights under the Fair Credit Reporting Act, including 611, 605 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 623 ( b ), and 607 ( b ), which ensure that I have the right to dispute inaccurate information, require furnishers to investigate and report accurate information, and obligate bureaus to corrected unverifiable or obsolete information.

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