vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Since XX/XX/XXXX, I have asked the XXXX XXXX XXXX, Equifax, Experian and TransUnion to lift a security freeze requested after I had been victim of identity theft. 

The XXXX credit bureaux asked for additional and updated documents. I have sent copies of the deed to my house, copies of my last XXXX, my Social Security Card, my Driver 's license, a copy of a bill in my name, a copy of a Statement by a Utility company, copies of my bank statements. More recently, I mailed copies of my paystubs and copies of my new Driver 's License after I had lost my old one. 

I am receiving conflicting information from TransUnion who said that " there was no security freeze '' while saying at the same time in XX/XX/XXXX that " my documents were too old. '' I just resubmited copies of my paystubs and a copy of my new Driver 's License. 

Equifax has requested information about my husband and more information about me. I submitted my husband 's driver 's license, his XXXX form and his XXXX from the VA. I also submitted my Driver 's License, my Social Security, my last XXXX and copies of my paystubs. 

Experian is the only credit bureau who said that " my file does not display a freeze. '' Yet, I still sent copies of my paystubs and my renewed Driver 's License to Experian. I have not heard anything from the other credit bureaux, TransUnion and Equifax. 

I am trying to apply for a credit card and a loan along with my husband and the refusal of the credit bureaux to lift that security freeze is affecting my ability to get a credit card and a loan. I always have had a good credit score before. However, after this identity theft out of caution, I have no credit history and I would like to rebuild a credit history. 

I thank you very much in advance for your assistance with getting my security freeze permanently lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am unaware of this debt and didnt have the opportunity to dispute it. If you believe that you sent proper notification, please provide certified mail with receipt displaying my signature if not, please delete this account from my credit report as soon as possible or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was the victim of a XXXX scam on XX/XX/year>. I was trying to sell furniture for {$300.00} on XXXX XXXX when a scammer posed as a buyer. She claimed she could only send a payment from her business XXXX account, and that the minimum transfer was {$800.00}. She said she would send me {$800.00} and asked me to refund {$500.00} back to her which I agreed to do, believing it was a normal XXXX issue. 

Shortly after, I received what looked like a legitimate email from XXXX, telling me the payment could not go through and asking me to call a customer support number. I called the number and was connected with someone pretending to be from XXXX XXXX. This is where the scam escalated. 

They stayed on the phone and sent text messages saying that my attempted refunds were denied or blocked and that I needed to resend the payments multiple times. I followed their instructions because I believed they were helping me fix a payment issue. Over the next few minutes, I unknowingly authorized multiple transfers totaling {$2700.00} through XXXX : {$1000.00} {$1000.00} {$700.00} The moment I realized I was being scammed, I called XXXX, who confirmed it was fraud, and told me to immediately report it to my bank. I called Wells Fargo right away, within minutes of the last transfer, to report the scam and request that the payments be blocked or reversed. 

Wells Fargo opened XXXX claims : # XXXX {$1000.00} # XXXX {$1000.00} # XXXX {$700.00} Despite calling immediately, my claims were denied, and I received letters saying that they were duplicate claims and that I had authorized the transactions. I believe Wells Fargo did not properly investigate, and that they failed to recognize this as an authorized fraud case, where I was misled and manipulated into sending money. 

I also reported this scam to my local police department and was given a case number. I can provide that documentation if needed. I am doing everything I can to recover the stolen funds and prevent this from happening to anyone else.

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Date : XX/XX/year> Disputed Account Number : TRANSWORLD SYSTEM INC/XXXX. Acoount # XXXX Credit Bureaus Notified : XXXX XXXX XXXX Previous Contact Methods : Certified letters to the credit bureaus and direct communication with TRANSWORLD SYSTEM INC/XXXX Description of the Issue : I am submitting this formal complaint regarding a credit account reported under the name TRANSWORLD SYSTEM INCXXXX with account number # XXXX which does not belong to me.I have made multiple efforts to resolve this matter:1. I sent dispute letters to all three credit bureaus ( XXXX XXXX and XXXX ) stating that this account is not mine.2. I contacted TRANSWORLD SYSTEM INCXXXX requesting verification and immediate removal of this inaccurate account.To date, I have not received any response from the company, and the inaccurate information has not been corrected in my credit reports. This is negatively affecting my credit score and causing undue financial and personal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: HI

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! 

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 non-monetary relief
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date : XX/XX/year> XXXX  XXXX ( Acct XXXX ) RE : Debt Validation Request Account Number : N/A Amount Reported : {$5100.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account. 

Specifically, I demand that you provide the following documentation : XXXX. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made. 
XXXX. The original signed contract or agreement bearing my signature that legally binds me to this obligation. 
XXXX. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present. 
XXXX. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector. 
XXXX. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable. 

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA. 

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date : XX/XX/year> XXXX XXXX ( Acct XXXX ) RE : Debt Validation Request Account Number : N/A Amount Reported : {$5100.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account. 

Specifically, I demand that you provide the following documentation : XXXX. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made. 
XXXX. The original signed contract or agreement bearing my signature that legally binds me to this obligation. 
XXXX. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present. 
XXXX. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector. 
XXXX. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable. 

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA. 

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within XXXX  days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: AR

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX, I opened a Venmo Credit card after receiving a targeted promotional offer by email for double cash back rewards for the first XXXX months of card use. According to the terms of the card, the additional cash back was to be awarded after the promotional period ended on XX/XX/XXXX. 

On XX/XX/XXXX, I had not received the rewards. I called Venmo. The customer service representative ( CSR ) confirmed that I was entitled to double cashback, put in a rewards request, and told me to wait XXXX to XXXX billing cycles. 

On XX/XX/XXXX, I still had not received the rewards. I called Venmo and was told there was a " technical issue '' preventing them from appearing in my account. They again confirmed that I am entitled to double cashback per my promotional offer. The CSR put in another rewards request. They were unable to update me as to the status of the prior rewards request. They were unable to provide a timeline for resolving the issue. 

On XX/XX/XXXX, I still had not received the rewards. The CSR could not provide an update on the rewards request, but they did again confirm that I was entitled to double cashback rewards for the first XXXX months of card use. They offered to put in another rewards request. I spoke with a manager, who was not able to provide additional information. Neither the manager nor the CSR was able to provide updates on the status of the rewards request ( sometimes called " backend request '' by Venmo ), nor were they able to reach out to the backend team for more information.

I am likely one of thousands of customers who received and took advantage of this targeted offer. Whatever " technical issue '' is affecting my account is probably not unique to me. I happen to know I have not received the cashback I am entitled to because I track my rewards in detail. There may be thousands of customers who, unfortunately trusting Venmo to credit their rewards properly, are unaware that they are not receiving the cashback they have earned.

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 2025-07-06 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: TX

Complaint narrative:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX. XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX  Account number : XXXX  Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I submitted paperwork to PORTFOLIO RECOVERY ASSOCIATES LLC through the courts to provide proof that I owned this debt. I asked for signatures on contract. They have not sent this proof to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted the company to request an Investigation of Inaccurate Charges I formally disputed the charge-off entry listed on my credit report from I believe this account is inaccurately reported and I requested a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe the following information is incorrect : Due to incorrect account balance, I was never provided the information as requested, I also asked to have the documentation verifying the charges on my account, and if they were unable to validate the accuracy of this information within XXXX  days, I requested its immediate removal from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XX/XX/year>, I took out a personal installment loan from Check 'n Go / XXXX XXXX XXXX in XXXX, AL for {$2000.00}. The loan carried an annual percentage rate ( APR ) of 314.14  percent, resulting in a total repayment obligation of {$6100.00}. This means I am being forced to pay more than XXXX times the original loan amount. 

At the time, my credit score was XXXX. I was in a financially vulnerable position, and I believe the lender knowingly targeted me with a high-interest product due to my limited options. The terms were not clearly explained in a way that showed how much I would actually repay over time. This loan has placed a major burden on my finances and limited my ability to save or meet other essential needs. 

Since then, I have made XXXX consecutive on-time biweekly payments of {$240.00}, totaling over {$3600.00} paid to date. Despite that, I still owe around {$2400.00}. I have worked hard to rebuild my credit, and my credit score has now improved to the mid-XXXXs. Even with this improved credit profile and my perfect payment history, I was still denied the opportunity to refinance this loan by the same lender. No alternative options were provided. 

It is clear this lenders goal is to keep borrowers locked into long-term high-interest repayment cycles, rather than offer support or relief. I believe their practices are predatory, unethical, and possibly in violation of fair lending standards. I have suffered both financial harm and emotional stress as a result of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In early 2025, XXXX separate accounts appeared on my credit reports that I did not authorize, open, or recognize. 

The first is from Credit Collection Services ( account # XXXX, balance {$660.00}, opened XX/XX/year> ). 

The second is from XXXX XXXX XXXX on behalf of XXXX ( account # XXXX, balance {$2000.00}, opened XX/XX/year> ). 

The third is from XXXX XXXX XXXX  XXXX, which is a closed account showing XXXX late payments. I had no involvement with this account and never applied for or authorized this loan. 

These are fraudulent accounts resulting from identity theft. I have filed a police report and submitted disputes with the credit bureaus. Despite these actions, all three companies continue to report these accounts as valid, causing ongoing damage to my credit and financial reputation. 

I have sent formal written disputes directly to all three companies demanding removal of the accounts and all associated reporting. As of this submission, none of the accounts have been removed. 

This situation is causing unnecessary stress, denial of credit, and reputational harm. I am requesting CFPB assistance in enforcing my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these fraudulent accounts removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation