vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
CFPB Complaint False Eviction / Collection Reporting ( Identity Theft & Fraud ) Subject : TransUnion is reporting a fraudulent eviction/collection account that I never authorized and that involves a falsified signature. 

Details of Complaint : TransUnion is reporting a collection account tied to an alleged eviction that is fraudulent and inaccurate. 

Creditor / Furnisher : XXXX XXXX XXXX XXXX ( via XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/year> Reported Balance : {$4800.00} Reported Status : Collection, Placed for Collection Estimated Removal : XXXX  Why this reporting is fraudulent and inaccurate : I never lived at this address and did not sign any lease with XXXX XXXX. 

My signature was falsified by a relative without my knowledge or consent, meaning this account was opened fraudulently. 

Despite this, TransUnion is reporting it as a collection/eviction, which is not only inaccurate but damaging to my credit and housing opportunities. 

The alleged balance of {$4800.00} is unsupported, unverifiable, and fraudulent. 

No proof has been provided that XXXX XXXX is authorized to collect or report this account. 

Under FCRA 1681e ( b ), TransUnion must ensure maximum possible accuracy. Allowing a fraudulent account to remain violates this obligation.

Under FCRA 1681i, I have the right to a proper reinvestigation and demand validation ( lease agreement, payment history, proof of move-out, court records ).

Under FACTA ( 15 U.S.C. 1681c-2 ), I have the right to block reporting of information resulting from identity 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have had a care credit account through synchrony for a few years. I have not used the card in 2 years, I pay the minimum payment monthly its usually a bit over XXXX. Every month they are charging me an additional XXXX in a category listed as fees, this is ontop of the interest. My account has gone up a couple hundred since last use due to my minimum payment not covering the additional fees. This is absolutely abhorrent of the company to keep charging fees that put people over their usage amount leading to them charging over limit fees. This is damaging to my credit score and locking me in to being stuck with revolving debt that never goes down.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I was sued in court in a state I do not live in by a law firm and I have no idea about this debt. I have called and wrote several people. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia included and I have a police reports for stolen car and identity. I have been involved in several data breaches and this XXXX XXXX and XXXX XXXX XXXX GA has preyed upon that. I have informed them several times I do not owe them a debt, they called me and I reported them to the CFPB for harassment already. They sued me in XXXX miles from where I live and won because I did not show up on a Wednesday morning XXXX miles from my residence. I do not know how else to remedy their improper and malicious business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
( XXXX  ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted.

Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
I was sued in court in a state I do not live in by a law firm and I have no idea about this debt. I have called and wrote several people. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia included and I have a police reports for stolen car and identity. I have been involved in several data breaches and this XXXX XXXX and XXXX XXXX XXXX GA has preyed upon that. I have informed them several times I do not owe them a debt, they called me and I reported them to the CFPB for harassment already. They sued me in XXXX miles from where I live and won because I did not show up on a Wednesday morning XXXX miles from my residence. I do not know how else to remedy their improper and malicious business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I paid the balance of loan on my statement of XXXX. Confirmation # XXXX Then on XX/XX/year> I received a new invoice showing I owed this full amount. I called them and told them about the payoff which was already paid then I was told I owed more money. I paid an additional XXXX on the call with a confirmation # XXXX and was told they would waive XXXX because of this error. They also said they would call back in 3 days to confirm all of this. 
I checked my account online and seen I now owe XXXX. I called them once again and talked to XXXX XXXX who was very kind, but said she couldn't waive the money. However by the end of a 40 minute call of me waiting on hold several times, said she could waive the XXXX but not the XXXX cent which was actually XXXX I then asked if she could just waive it all and she said sorry no only the XXXX. I then thanked her for her help and she said to give it 24-48 hours. 
It still has not been taken care of! 
I made my payments faithfully with automatic payments. I feel they should stand by what they told me. 
I asked if I could have a confirmation number and she said she didn't have one. She was going to submit this to her supervisor. 
I called her on XX/XX/XXXX at around XXXX XXXX XXXX I did ask XXXX right away to speak with a supervisor but never got one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 6804 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 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 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a pair of sneakers from XXXX XXXX using Affirm financing. The total purchase amount was {$150.00}. 

When I received the product, I discovered they were not authentic. XXXX XXXX own representative admitted in writing that the shoes are imported replicas. Their website also described the product as a top tier replica. Replica goods are counterfeit under U.S. law. 

I immediately contacted XXXX XXXX for a refund. They refused, citing a no refunds policy, and later stopped responding to my emails altogether ( my most recent message bounced back as undeliverable ). 

I filed five separate disputes with Affirm, each time providing the merchants own written admission and screenshots of the product listing. Each dispute was denied with no explanation beyond we see nothing wrong. 

I am a loyal Affirm customer who has made multiple purchases and always paid my balances in full and on time. Affirms refusal to address this clear evidence of counterfeit goods leaves me financially responsible for fraudulent merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank denied my claim of fraudulent activity on my checking account ending in XXXX. The payee is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I told Wells Fargo Bank fraud /claims department that it is not my account and I don't have an account with the XXXX XXXX XXXX XXXX XXXX They denied my request for them to initiate an investigation. The manager of the fraud/claims department behemently denied my request for further investigation. I called the XXXX XXXX XXXX XXXX and they confirmed that account is not under name and I don't have an account with them. The amount involved is {$9800.00}. Wells Fargo is a conspirator for this fraudulent activity and I will try to take this matter to court also. Please make Wells Fargo bank investigate further. 

i believe my checking account was compromised and I reported the same to Wells Fargo Bank but they denied my claim since they said I am the only one who has access to my account. Accounts can be hacked by anyone and will be compromised. The fact that they did not conduct an investigation, this makes me think that Wells Fargo is part of this fraud or a conspirator. 

They only thing I asked Wells Fargo is to find out who that payee was with the XXXX XXXX XXXX XXXX. I called the XXXX customer service to find out who owns that account but they won't disclose anything to me unless Wells Fargo initiate a claim or investigation. Wells Fargo didn't do that and they refused to cooperate with me.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe that I am a victim of fraud and/or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I formally dispute the inclusion of unauthorized accounts in my credit profile. I request an exhaustive examination and their removal. Supporting evidence accompanies this letter.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a 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 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 ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Illinois XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Illinois XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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