vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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:
XXXX. Unverified Debt : Under 15 U.S.C. 1692g ( b ), I have the right to request validation of this debt. XXXX XXXX must provide a full accounting, including original signed contract, itemized balance details, and proof of ownership/assignment of the debt. Until validation is provided, continued reporting of this debt is a violation of the FDCPA. 
XXXX. Inaccuracy in Reporting : The account is being reported as Open with a full balance of {$1100.00} owed. If XXXX XXXX  charged off this account, then XXXX XXXX must verify whether the balance being reported includes illegal interest, fees, or duplications. Under 15 U.S.C. 1681s-2 ( a ), furnishers are prohibited from reporting inaccurate or misleading information. 
XXXX. Contradictory Status : This account is marked as Derogatory and Placed for Collection, yet there is no evidence that I was properly notified of the transfer. The FCRA requires that credit reporting agencies maintain information that is accurate, complete, and not misleading. The contradictory and incomplete reporting fails to meet this standard ( 15 U.S.C. 1681e ( b ) ). 
XXXX. Potential Re-aging of XXXX : If the date of delinquency or charge-off from XXXX XXXX has been altered in order to extend the reporting period, this is a direct violation of the FCRA. Any re-aging to make the debt appear newer than it is must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
In XX/XX/year> Current opened an account for me that I did not apply for. 
I was also sent a XXXX XXXX from them. On XX/XX/XXXX I reported a fraud ticket to them XXXX to XXXX, however I never heard from them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX'Subject: Formal Dispute & Demand for Immediate Deletion of Fraudulent AccountXXXXI am submitting a formal dispute regarding a fraudulent tradeline appearing on my credit reportXXXXCreditor/Servicer: THD/CBNA (The Home Depot / Citibank)\n\nAccount #: XXXX XXXX XXXX XXXXOpened: XXXXType: Charge Account\n\nBalance: $0.00XXXXThis account was fraudulently opened without my knowledge, consent, or authorization. I have never executed a written, electronic, or verbal agreement with The Home Depot or Citibank for this account.\n\nTherefore, reporting this account constitutes furnishing inaccurate and unverifiable information in violation of the Fair Credit Reporting Act. Specifically:XXXXFCRA 1681i(a)(1)(A): Duty to reinvestigate disputed information within 3XXXX XXXXFCRA 1681c-2 (FACTA): Mandatory blocking of identity theft information within XXXX  business XXXX  upon proper proofXXXXFCRA 1681e(b): Duty to maintain maximum possible accuracy.XXXXAdditionally, XXXX XXXX Guidelines require fraudulent accounts to be properly coded (e.g., XH for confirmed identity theft). Failure to apply these codes is noncompliance.XXXX  Dispute Codes applicable:XXXX  Not His/HersXXXX  Confirmed Identity Theft\XXXX   Fraudulent AccountXXXX  Fraudulent Application/Account Opened as a Result of ID Theft'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Sezzle Inc.
State: NY

Complaint narrative:
They hang up my call several times and I have hard time with financial and hurt my credit scores which is not my fault because I am XXXX I am request to credit all the amount as fresh account to start over again or waived all the fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 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 : [ CAPITAL XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: MA

Complaint narrative:
According to 15 U.S.C 1692C ; you have violated my right by in lawful communications. Please remove this collection off of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Consent/Dispute Statement I purchased a XXXX through United Auto Credit/Full Power XXXX XXXX The vehicle was fraudulently sold with several issues that were not disclosed at the time of purchase. When I discovered the issues, I attempted to negotiate a settlement, but they refused to resolve the issue. 

The bank ( United Auto Credit XXXX was informed of the fraudulent situation. As a result, the purchase was canceled, the vehicle was picked up at my home by XXXX XXXX, and the registration was canceled at the DMV. I have all supporting documents, including letters from the bank and proof of cancellation from the DMV. 

Despite this, United Auto Credit continues to report the account as seriously delinquent on my XXXX  credit report. This information is incorrect and is unfairly damaging my credit score. 

I request immediate removal of this negative report and written confirmation that the account has been closed and canceled. 

United Auto Letters of Credit Confirming Cancellation DMV Cancellation Record ID and Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect a debt that Synchrony Bank has already obtained a civil judgment on. This raises serious concerns about double collection, as it appears XXXX XXXX is attempting to collect on a debt that has already been litigated and resolved in court under a different party. 

I sent XXXX XXXX XXXX XXXX a formal debt validation and final demand letter on XX/XX/year> requesting the following documents to verify the alleged debt : XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full itemized breakdown of the debt, including interest, fees, payments, and dates ; XXXX. IRS 1099-C or 1099-A forms to confirm tax treatment of the charged-off debt ; XXXX. Legal proof of assignment showing how the debt was transferred to XXXX, including the complete chain of custody from the original creditor. 



Despite multiple written requests, XXXX XXXX XXXX failed to provide these required documents. Their response did not include any contract with my signature, no itemized accounting, no IRS tax forms, and no legal proof of chain of assignment. 

As a result, I am disputing the validity of this debt and requesting its removal from my credit report in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The failure to provide proper validation documentation is a violation of my consumer rights. Furthermore, XXXX  failure to disclose the existing judgment and attempting to collect separately may constitute deceptive and unfair practices. 

I am asking for your assistance in having this account removed from my credit profile and for XXXX XXXX XXXX to cease collection activity unless and until they can fully validate the debt in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
This is my third complaint about the amount of money that was provided by BSI Financial due at closing and the information they provided to my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
Accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened or managed these accounts, and their presence is both inaccurate and misleading, damaging my financial history and credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went to pay my credit card that I have with TD Bank and when I logged into my app, I realized my account was in the negative when I had thousands of dollars that I recently had deposited via direct deposit from the company I just began working for. I instantly contacted TD Bank and reported the transaction. Explain the situation and the company that the transactions are from and the transaction itself are in an entirely different state different to the one I live in. They told me that I would be credited within XXXX to XXXX business days and I called a week after I filed the claim to check if there was anything done or stated, they then told me that the claim was denied because I logged into my bank within the timeframe of the transaction. There were multiple transactions and I dont understand how logging into my account to send a payment or use my app in anyway his evidence that I was responsible for these transactions when they are in an entirely different state and I have no previous history using this company. They then contacted me about my credit card stating that it was overdue and I explained to them that I cant make payments on it because the money is missing for my account due to fraud and I submitted another complaint/claim but they are probably going to deny it just like they did the last And I was told to file a complaint here to bring attention to my matter. 


The amount of the transactions total to over {$2000.00} and I have no knowledge or responsibility with any of them so Im at a loss and dont know what to do. 


The company was called moon pay. It seems to be some sort of crypto website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
I had a XXXX to down pay on a car. I came across car at XXXX. The man searched for a place to lend me the money to get car. Exeter gave me a loan. Its double the amount I was charged for car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that have not been corrected, and these errors continue to cause me significant and ongoing harm. This matter is extremely serious, and I urge you to take immediate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I dont know the exact dates, but I was facing hardships and asked First Horizon to freeze my credit card for a lower minimum payment. An amount of time went by and I was ready to start making larger minimum payments and using the card again, but I was unable to contact anybody in order to do it. It was so bad that I actually went to the bank where they told me that the person that takes care of it will be available on Friday and then when I showed up on Friday, nobody was there. I told the woman after I stopped paying the bill that I want to settle the debt and Im not willing to pay anymore until its settled. The same person has called me XXXX times, the most current being XXXX XXXX. She told me no and to go ahead and report her.

Company response to consumer: Closed with explanation