vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: NE

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * * Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$220.00} * * * * Date of Account : XX/XX/year> * * I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-09-12 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
There has been a XXXX credit breach and my information is now matching. I have accounts in which are not right XXXXXXXX XXXX XXXX XXXX And a few other ones

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Experian. Specifically, I am disputing the following accounts being reported.

Despite my written disputes ( Round 1, Round 2, and Round 3 ), the credit bureau ( s ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ). 

The continued reporting of these unverifiable accounts is causing ongoing harm to my 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC

Complaint narrative:
My spouse had XXXX in XXXX of XXXX. We've been getting nonstop calls from unknown numbers for weeks, that we ignore as spam because no voicemail message is left. XXXX called today and we answered because we were expecting a call from another business, and the collections agent immediately was combative and verbally abusive, demanding credit card information for medical debt payment that he wouldn't give us a case number for. After several minutes of arguing back and forth, he finally gave us a case number, but when i entered the information on the XXXX website, absolutely zero files came back. The case number, our address, and names did not yield any sort of record of a medical debt being sent to them for collections. We also double-checked with the hospital as we had set up a payment plan to cover the remaining cost that insurance wouldn't pay, nothing indicated that we had missed any payments or that the debt had been sent to collections. The XXXX agent was combative, excessively rude, and verbally abusive to my spouse and myself, repeatedly threatening legal action if we didn't hand over credit card and bank account information over the phone without proof that a debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was not late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. My family and I were financially and mentally struggling at the time of this payment therefore that caused me to be late. Please help me remove this as a one time courtesy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was not late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. My family and I were financially and mentally struggling at the time of this payment therefore that caused me to be late. Please help me remove this as a one time courtesy.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RGS Financial, Inc.
State: SC

Complaint narrative:
Dear Sir or Madam : I previously disputed items which you verified as accurate. 

Please provide me with your method of verification or I am going to file a complaint against your company with the CFPB. Specifically, provide me with the following information in accordance with the FCRA : Copies of any documents you used to make your decision, including electronic correspondence of all types A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information you received from the data furnisher The name, job title and contact information of the individual ( s ) you contacted at the data furnisher The name, job title and contact information of all employees within your organization who played any part in handling this dispute Obviously your continued reporting of this inaccurate information is causing me financial distress. 

Please provide me with the above information and delete these accounts from your report immediately. 

If I have not heard from you within 30 days from the date you receive this certified letter I will be filing a complaint against you, initiating other legal action, or both. 

Thank you in advance for your help in correcting these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-12 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-12 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: KS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I called in, and I filed through email on XX/XX/XXXX. In XXXX, disputes arose with a company that had been taking incremental payments for promised services since XX/XX/XXXX, through XX/XX/XXXX, and then they abandoned the program. I never received any of the services promised, never even was able to operate, and after filing a dispute on their site, my site was locked out, and they requested that I open a new one. I called Navy Federal on XXXX occasions, each time told within the first sentence that they would not issue me a provisional credit, before I had even requested it. I sent Navy Federal XXXX emails, with evidence and a Regulation E. Then I requested a supervisor, who stated that Navy Federal decides who receives a provisional credit and not any law. When I questioned her. Did Navy Federal have a standard, equitable protocol for provisional credits, or was it open to interpretation? She stated. It depends on why the dispute is filed and how much. Then I requested that she send me a formal document stating that I was denied again for a provisional credit. Treated inequitably, demeaned, and it is directly due to my XXXX status. It has been XXXX days, and every communication I send is ignored entirely. I am talked to like a criminal, and like I am not even human, then on a set XXXX income, denied what is lawful and transparent. I am treated like nobody at the Navy Federal, and they tell me it is their way, and I can find another bank. My entire family. XXXX, loved Navy Federal like it was our XXXX. It is painful and embarrassing, but I want to be treated under the same rules ; that's it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Complaint Regarding Synchrony Credit Practices I am writing to formally complain about Synchrony Banks credit practices, which I believe are unfair and harmful. I have ( or had ) XXXX accounts with Synchrony : XXXX XXXX XXXX CareCredit accounts, XXXX XXXX and several others I have already paid off, including a XXXX  account. 

My concerns are as follows : XXXX. Constant Credit Checks and Balance Changes : Synchrony frequently pulls my credit and adjusts account balances, sometimes monthly, immediately after I make payments. These frequent changes, including dramatic balance reductions, negatively affect my credit utilization and overall credit profile. 
XXXX. High-Interest Practices : I recently took out a consolidation loan to pay off all Synchrony accounts due to extremely high interest rates. Synchronys lending practices are inconsistent and disadvantageousfor example, they would not open a CareCredit account for a needed medical procedure but simultaneously opened XXXX other accounts, effectively doubling interest charges. 
XXXX. Limit Manipulation and Credit Impact : On my XXXX XXXX account, I had a {$1000.00} balance. After paying it off, my available credit dropped to just {$22.00}. This pattern occurs across all my accounts, adversely affecting my credit scores and available credit. 

These practices appear to take advantage of customers in need and may warrant investigation. I am requesting that Synchrony review and address these practices and provide a clear explanation for the repeated credit pulls, balance changes, and account manipulations. 

Thank you for your attention to this matter.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I discovered XXXX separate accounts reported by Portfolio Recovery on my credit profile in the amounts of {$4500.00} ( opened XX/XX/XXXX ) and {$1100.00} ( opened XX/XX/XXXX ). I have never entered into any contract with this company, nor did I authorize them to obtain, share, or report my personal information. This reporting was done without my knowledge or consent and is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Portfolio Recovery has failed to provide a legally binding contract, a wet signature, or any documentation proving that I authorized them to collect or report on these alleged accounts. The placement of these collection accounts has caused harm to my credit standing and exposed my personal information without lawful basis. 

By continuing to report these accounts without proper authorization and verification, Portfolio Recovery is engaging in an unfair and unlawful practice. I am requesting proof of consent, original documentation, and validation for both accounts in accordance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: KY

Complaint narrative:
XXXX XXXX closed abruptly while I was enrolled. I never graduated or received the certificates I was promised. I took out student loans for this program but received no benefit from the education. No proper teach-out options were offered. My loan servicer continues to bill me, even though I believe I qualify for loan discharge due to the schools closure. I went up to the school 3 times and even called ed financial to which they put me in forebearence as they told me my loan forgiveness should be completed and applied at the end of time of the forebearence. To my surprise it was a lie! I was never told that my account came off of forebearence nor that my loan forgiveness was either denied or not put in. They have completely ruined my credit due to their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Category : Debt Collection Debt was not mine / Collection issue Complaint : I am being sued by a debt collection agency, Glasser and Glasser, P.L.C regarding an alleged debt that I do not believe they legally own. The company has failed to provide proper documentation proving ownership of the debt, including a complete chain of assignment and original signed agreement. 

I believe this violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, because they are misrepresenting their right to collect and attempting to obtain a judgment without adequate evidence.

Additionally, I believe this lawsuit may violate CFPB enforcement orders against debt buyers such as XXXX XXXX, XXXX, and XXXX XXXX which require collectors to have proper documentation before pursuing litigation. 

The company has not provided validation of the debt under 15 U.S.C. 1692g, and I dispute the accuracy and legitimacy of the alleged balance.

I request that the CFPB investigate this matter and require Glasser and Glasser, P.L.C to : Provide full documentation of the alleged debt ( contract, payment history, chain of assignment ). 

Cease all collection and legal action until proper validation is provided. 

Correct any false credit reporting related to this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
Almost a year ago I had identity theft on my account and while in XXXX I had issues with my account. During that time a new bank account was created and was informed the old account would be closed. The account in fact was never closed. The account was just locked. Td bank did not ever close the account in which they stated they did. On top of that a few months ago I purchased items that were inspected and found out they deemed defective. Opened a dispute with TD Bank they infact opened my dispute incorrectly. They attempted to fix which then opened up another dispute. Then another dispute. Customer service manager said there were over XXXX disputes open. My transaction in which I was disputing was handled incorrectly which ended up rendering me responsible for the negative funds in my account. I will not pay these funds. 

My disputes were not handled correctly the first time which lost my chance at being compensated for my not as described purchases as I was informed that there was only XXXX attempt at this dispute. Which they messed up by opening multiple disputes for the same reason. Then charging the funds to an account that was supposed to be closed. 

That being said Ive already stopped all attempts to have my funds being protected or have trust in leaving my funds in a TD bank account. I submitted appropriate evidence of damages of product. 

Company in which I purchased from expects me to pay out of pocket for the return which I am not doing I will not pay for damages that were caused by TD Bank by incorrectly opening my dispute not only once but multiple times. 

Company using justification of positive feedback as satisfaction but is required by XXXX to leave review. I provided pictures of internal damages later recognized upon installing and attempting to use the transmission in the car. 

Product was deemed defective as it had to be removed from vehicle and disassembled to diagnose issues on why it did not go into gear. Item has no return policy or any way to dispute a return on no returned goods so hence disputing transaction. Besides the point the company fails to recognize in their response that there were more disputes opened incorrectly and the fact that I submitted documentation for a dispute that was ended up closed then another one opened up. 

On top of all that TD bank fails to justify why they never closed a account that was compromised for fraud and the fact that they withdrew funds from an account that was to be closed back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TN

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 four 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 : ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00} 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, 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