vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: MI

Complaint narrative:
Had multiple new addresses and inquiries on my account that I did not authorize nor fill out. I also had this person get a XX/XX/XXXX card in my name. Yes I called an got it reported but I have Hard inquiries on my file still. Id want them removed please and thank you

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 2025-08-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OH

Complaint narrative:
XX/XX/year> my waytogo card was fraudulently hacked and all {$370.00} dollars was stolen. In order to file a dispute I had to wait until all the transactions were cleared ( not pending ) On XX/XX/year> I filed for a dispute on charges and ordered a new waytogo card. On XX/XX/year>, I finally received a letter in the mail, stating my claim has been approved and the indeed found the charges to be fraudulent so they deposited the remainder of {$370.00} to my card, claiming since they issued a liability credit to my card on XX/XX/year>, in which I never recieved a letter regarding nor did I recieve the money for this credit. I tried calling to track that transaction on XX/XX/year>, spent XXXX hours on the phone, and they could not provide any answers as to where they supposedly sent this money. They do agree on me never getting it. So I've been out of money since XX/XX/year>. They said they have 5 days to load that money and if they dont they will then escalate to a supervisor. It should of already been escalated. I deserve to be allowed to charge interest. All my bills are late and child is suffering due to their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Resurgent Receivables LLC has been harassing me and put a lawsuit against me for a debt that has not been validated before the lawsuit. I have not received proper validation of the debt. No bill of sale agreement with the itemized sales of debt. No proof of a contractual agreement with Resurgent Receivables LLC. Nonproof they can collect in New Jersey. No proof that the debt wasn't written off as a tax liability. No proof they had consent to share my personal private information with a third party nor the sharing of my SSN. I didn't receive a proper bill of sale with my name and account in it. I have attached the documents I fill are fakes with no original wet signatures from the vice president of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX  for inaccurately reporting a charged-off account that was opened while I was in an active Chapter XXXX bankruptcy. 

Details of the Issue : The XXXX XXXX account ( XXXX ) was opened on XX/XX/XXXX, while I was in an active XXXX XXXX XXXX ( Case No. XXXX, XXXX XXXX XXXX Alabama XXXX XXXX 

Under XXXX XXXX. XXXX, creditors are required to obtain XXXX  XXXX approval before extending post-petition credit. XXXX XXXX never obtained this approval. 

XXXX XXXX also failed to perform a basic XXXX XXXX check before approving me for the account. Had they checked XXXX, they would have known I was under the protection of the XXXX  XXXX and not eligible for new credit without trustee/court authorization. 

My XXXX  case was filed on XX/XX/XXXX, confirmed on XX/XX/XXXX, and completed/discharged on XX/XX/XXXX. 

Despite this, Experian and XXXX  continue to report the account as Charged Off / {$540.00} Past Due as of XX/XX/XXXX. 

Why This Is Inaccurate : The account was extended without proper court approval during my active XXXX  XXXX. 

XXXX XXXX failed in their duty to check XXXX XXXX  records prior to extending credit. 

Reporting this tradeline as a valid charged-off account is misleading and violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

I disputed this account with Experian and XXXX, but both failed to remove it and did not conduct a reasonable reinvestigation as required under FCRA 611. 

Proof : Experian dispute record showing the XXXX XXXX account remained despite my dispute. 

Equifax dispute record showing the same failure to remove the account. 

XXXX XXXX XXXX XXXX records proving my XXXX XXXX filing date, confirmation, and discharge.

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 2025-08-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax for inaccurately reporting a charged-off account that was opened while I was in an active XXXX XXXX XXXX 

Details of the Issue : The XXXX XXXX account ( XXXX ) was opened on XX/XX/XXXX, while I was in an active XXXX XXXX XXXX ( Case No. XXXX, XXXX XXXX XXXX Alabama XXXX XXXX 

Under 11 U.S.C. 364, creditors are required to obtain XXXX  XXXX approval before extending post-petition credit. XXXX XXXX never obtained this approval. 

XXXX XXXX also failed to perform a basic XXXX XXXX check before approving me for the account. Had they checked XXXX, they would have known I was under the protection of the XXXX  XXXX and not eligible for new credit without trustee/court authorization. 

My XXXX  case was filed on XX/XX/XXXX, confirmed on XX/XX/XXXX, and completed/discharged on XX/XX/XXXX. 

Despite this, XXXX  and Equifax continue to report the account as Charged Off / {$540.00} Past Due as of XX/XX/XXXX. 

Why This Is Inaccurate : The account was extended without proper court approval during my active XXXX  XXXX. 

XXXX XXXX failed in their duty to check XXXX XXXX records prior to extending credit. 

Reporting this tradeline as a valid charged-off account is misleading and violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

I disputed this account with XXXX  and Equifax, but both failed to remove it and did not conduct a reasonable reinvestigation as required under FCRA 611. 

Proof : XXXX  dispute record showing the XXXX XXXX account remained despite my dispute. 

Equifax dispute record showing the same failure to remove the account. 

XXXX XXXX XXXX XXXX  records proving my XXXX XXXX filing date, confirmation, and discharge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Incomplete and Unverified Collection Reporting Experian, Equifax, TransUnion Experian reports a collection account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with a {$430.00} balance. The tradeline lacks complete original creditor information and contains incomplete payment history metadata. 

Under FCRA 1681e ( b ) and 1681i, the credit bureaus must assure maximum accuracy and delete unverifiable information. XXXX, as a furnisher, must provide competent documentary evidence under 1681s-2 ( b ). As a debt collector, XXXX is bound by FDCPA 1692g ( b ) : absent validation, it must cease collection activity including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : Incomplete and Unverified Collection Reporting Experian, Equifax, TransUnion Experian reports a collection account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with a {$430.00} balance. The tradeline lacks complete original creditor information and contains incomplete payment history metadata. 

Under FCRA 1681e ( b ) and 1681i, the credit bureaus must assure maximum accuracy and delete unverifiable information. XXXX, as a furnisher, must provide competent documentary evidence under 1681s-2 ( b ). As a debt collector, XXXX is bound by FDCPA 1692g ( b ) : absent validation, it must cease collection activity including credit reporting.

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 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: NE

Complaint narrative:
This company XXXXXXXX XXXX XXXX XXXX. Out of XXXX XXXX XXXX XXXX XXXX XXXX  keeps harassing me with a so called XXXX XXXX XXXX. I never got a court date so I could go attend and defend the amount they say I owe. I do not owe that much and these documents they send me look illegal and show I'm being sued in Iowa and I live in Nebraska. I'm sure there are other mistakes on these court documents they sent me in mail. I will attach copies with this report. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
Basically people have been trying to send me thousands of dollars at a time on Cash App and the the only limit is XXXX and I need you guys to help me trace alll transactions back that they tried to put and put the money and bitcoin on there there was a bitcoin wallet transaction of XXXX that didnt go through from a XXXX user I affiliate with and I have it on my account and I cant do anything its just stuck then it disappeared then the receipt did as well but every once and a while the balance on my bitcoin balance and you guys will see all my activity. Also XXXX a victim of identity theft and cybercrime so there have been people contacting me on different platforms asking me to show them a screenshot of my account multiple people back to back and they say they say my Cash App tag on my XXXX business profile in which I never put any information on there. I just hope justice does well on my account in gods faith. XXXX an identity theft.gov know customer. And XXXX XXXX percent accurate with my report and I affiliate, partner with the XXXX Government XXXX XXXX XXXX and most importantly to my genetic roots the XXXX XXXX. This will be an upset if I bring my concern to the watchdog please resolve this issue asap. THANKS YOU FOR YOUR SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I had an XXXX  analysis completed before my tax statement even came out. When my tax document came out showing my taxes had decreased this year I turned it in and my mortgage company did a new escrow analysis. The amount went up another {$50.00} in addition to the {$150.00} it had already gone up. I went to my taxing authority for the full breakdown of the amounts and turned that in. Now my mortgage payment has gone up over {$200.00} per month and M & T bank has yet to explain to me why it is going up when my taxes are decreasing. Its not due to insurance.

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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of a XXXX XXXX XXXX XXXX secured loan account that was opened on XX/XX/year> with a reported balance of {$620.00}. This account is being incorrectly reported as a charged-off account with a balance due. I previously disputed this account and specifically requested proof of the charge-off, correction of the balance to {$0.00}, or deletion of the negative payment status. Despite my dispute, the account was verified without providing supporting documentation, and I do not agree with the results of the investigation. To date, I have not received proof of the charge-off or proof supporting the negative payment status that continues to be reported. This reporting violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report, and reporting this unverified account as a charge-off without documentation fails to meet this standard. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items, yet no reasonable reinvestigation has been conducted in this case since no proof has been furnished to validate the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macys XXXX card- XXXX Repeat phone calls daily multiple times ( have all the phone records ) harassment for min payment that is late 7 days, due to an emergency which lead to a hospital stay during the due date period. will make payment, as I always have for years. 
Calling on Friday, Saturday and Sunday all day multiple times, calling on Sunday multiple times during the XXXX XXXX Weekend. Giving me XXXX. It wont stop even when I asked to please respect and call on a weekday to rectify.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I am filing a complaint against Credit Acceptance Corporation regarding an auto loan account that is being inaccurately reported on my credit. 
Creditor : Credit Acceptance Corp Account type : Auto Loan Account number : XXXX Original balance : {$14000.00} Reported balance : {$13000.00} Date opened : XX/XX/XXXX Status : Closed / Repossession reported Balance updated : XX/XX/XXXX History : XXXX potentially negative months Summary of Issue : This account is being reported with multiple negative notations, including repossession and delinquency history. The reporting appears inaccurate, incomplete, and damaging to my credit. I dispute the way this account is being furnished and believe it violates the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. 
Specifically : The payment history being reported as XXXX potentially negative months is unclear, inconsistent, and appears inflated. 
The balance being reported does not reflect what was actually paid and settled. 
The status and dates reported do not match my records. 
This inaccurate reporting is harming my credit profile and financial opportunities. 
Requested Resolution : A full investigation into the reporting of this account. 
Verification of the accuracy of the repossession status, balances, and payment history. 
Correction or permanent deletion of all inaccurate and unverifiable information associated with this account. 
Written confirmation once the investigation is complete and corrections have been made. 
This account should not continue to be reported in a way that misrepresents my history and damages my credit standing.

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 2025-08-31 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: TX

Complaint narrative:
Re : Unlawful Hard Inquiry Equifax, Experian, TransUnion Equifax shows a hard inquiry by XXXX XXXX  XXXX XXXX dated XX/XX/year>. I did not authorize this inquiry. Under FCRA 1681b, consumer reports XXXX only be accessed for specific permissible purposes such as a credit application, employment with written consent, or insurance underwriting. None of these apply here. Obtaining a credit report without permissible purpose is a violation and can carry criminal liability under FCRA 1681q.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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:
Re : Unlawful Hard Inquiry Equifax, Experian, TransUnion Equifax shows a hard inquiry by XXXX XXXX  XXXX XXXX dated XX/XX/year>. I did not authorize this inquiry. Under FCRA 1681b, consumer reports XXXX only be accessed for specific permissible purposes such as a credit application, employment with written consent, or insurance underwriting. None of these apply here. Obtaining a credit report without permissible purpose is a violation and can carry criminal liability under FCRA 1681q.

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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I received a credit alert from Credence Resource Management from XXXX XXXX XXXX! Im not aware of this collection and would like it resolved and removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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 am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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