vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: SC

Complaint narrative:
Dear Sir/Madam, I am disputing the reporting of XXXX XXXX, Acct # XXXXXXXX XXXX XXXX ( Balance {$5900.00} ) * *. This account contains factual inaccuracies and contradictions across the credit bureaus, making it unverifiable under the Fair Credit Reporting Act ( FCRA ).

Opening Date Conflict : TransUnion lists XX/XX/2022, while Experian and Equifax both list XX/XX/2022. An account can not have two different opening dates ( FCRA 607 ( b ) requires maximum possible accuracy ).

Account Status Inconsistencies : TransUnion reports Charged off as bad debt / Profit and loss write-off, Experian reports Unpaid balance reported as a loss by the credit grantor, while Equifax reports Charged off account / Credit card. These inconsistent descriptions violate FCRA 623 ( a ) ( 1 ) ( A ) because furnishers can not report misleading or false information.

Payment History Contradiction : Equifax reflects OK history in months while the account is simultaneously listed as charged off. A charge-off can not show as current, which makes the account inaccurate and misleading. 
Balance vs. Past Due Conflict : The account is closed and charged off, yet it still reports the entire balance ( {$5900.00} ) as past due. This is inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ).

Because of these issues, this account is inaccurate, unverifiable, and misleading under FCRA 611 ( a ) ( 5 ).

I am requesting permanent deletion of this tradeline from my credit file.

If this account is not removed, I will escalate further with the CFPB, FTC, and South Carolina Attorney General and seek remedies under FCRA 616617 for damages and legal costs. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am a victim of identity theft and the debt in question does not belong to me. I informed the debt collector of this fact and provided notice of identity theft, but they failed to take my complaint seriously.

The debt collector did not properly investigate, did not provide verification of the debt, and continued collection activity despite my dispute. This violates both the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), which requires validation of a disputed debt, and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), which requires companies to block identity theftrelated debts from being reported.

Instead of investigating or ceasing collection, the company ignored my dispute and identity theft claim. Their failure to address this matter has caused me unnecessary stress and potential harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My roommate purchased a bed frame off XXXX that she asked me to sell for her. On XX/XX/year> I sold the unopened bed frame bought on XXXX to a buyer on XXXX marketplace in person for {$170.00} and we used XXXX as our payment method. This was an singular authorized and legal transaction. Everything was fine until the buyer went to an entirely different state, she opened the box, and some of the bed frame parts were damaged. I worked with her for a month straight to help her put in a claim with XXXX to get her a gift refund from them or something, unfortunately her claim was denied. I did everything in my power to get her the refund, however I couldn't refund her out of my own pocket because I was just the middleman, and I shouldn't have to pay when I did everything correct that I could, it being broken was completely out of my control. My roommate did not want to refund her because she stated her reasoning is that " XXXX is a buy it as is marketplace '', and I can't make her pay me to refund the buyer. Ultimately she contacted XXXX and said I scammed her, so they took the {$170.00} out of my checking account and now my XXXX access is suspended on my Navy Federal Credit Union account. I reached out to NFCU and XXXX customer service and they said it's permanent. This is totally unjust, and a terrible practice. They didn't contact me at all and get the full context of situation, choosing instead to just take action against me, hence why I am filing this complaint against both XXXX and NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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.

Complaint narrative:
My information was involved in a XXXX data breach and these are the accounts fake listed below Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
The sales person took my information to run some numbers, and she pre approved me for XXXX, but this was without my consent. I did not bought anything and it was very clear that we were still window shopping so opening a credit limit on my name was not approved under any purchase contract. This is illegal and this credit card needs to be closed without affecting my credit further.

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 2025-08-24 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
Demand for removal accounts under Violation under FCRA 15 USC 1681 XXXX XXXX account number XXXX Syn/compass account number XXXX I have filed multiple disputes which are being closed with no explanation or reporting back as verified with no documentation I have requested which was asking how was these accounts verified and TransUnion has not been able to send any paper work with my wet signature I have identified XXXX more accounts that I did not authorize to be reported nor did I provide written consent for such information to be furnished or obtained in direct violation of 15 us code 1681b Permissible Purpose of consumer reports according to 15 USC 1681b consumer information may only be obtained or furnished by a credit reporting agency with the express written consent of the consumer Futhermore under 15 usc 1681 ( a ) ( 4 ) that law declared my right to privacy for respect of the consumer by continuing to report these accounts without my written permission TransUnion is acting contrary to this principle these actions constitute a violation of my right to privacy and fail to uphold the fairness and impartiality mandated by 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 2025-08-24 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: IL

Complaint narrative:
Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank messed up my credit rating over 3 dollars which was the interest from the previous bill. I know that when you pay your bill in full before the due date, that you do not incur another charge for next month. I did not receive any messages or e-mail about my account being late. On XXXX I receive an e-mail statement showing my bill is due by XXXX for XXXX. So I paid it this morning and after wards I find my credit ratings went down and it shows delinquent payment on my credit. How can this be, this is a scam by synchrony.

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 2025-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of Equifax data breach, and this has been going on for a while. My name is been constantly use either my maiden name or my name in marriage. 

XXXX XXXX XXXX XXXX In the information or using a postal address, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 

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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
multiple addresses on credit report that i have no knowledge of.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
multiple addresses on credit report that i have no knowledge of.

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 2025-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/year>, I mailed Jefferson Capital Systems a formal Debt Validation and Cease Collection Demand. 
On XX/XX/year>, Jefferson Capital signed for and received my letter ( proof of delivery attached ). 

Despite being legally barred from any collection activity without first validating the debt, on XX/XX/year>, Jefferson Capital updated the alleged account balance. On XX/XX/year>, they furnished a new derogatory collection tradeline to Experian, which caused a XXXX drop in my credit score.

This conduct violates : FDCPA 15 USC 1692g ( b ) : Collection activity must cease after a written dispute until validation is provided. Reporting to a credit bureau is collection activity. 

FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate or unverifiable is prohibited.

FCRA 15 USC 1681s-2 ( a ) ( 3 ) : Furnishers must accurately report accounts as disputed, which Jefferson Capital has failed to do.

FDCPA 15 USC 1692e ( 10 ) : Prohibits false or misleading representations. 

In addition, by publishing false derogatory information, Jefferson Capital has committed defamation of character, preventing me from obtaining credit and causing financial and reputational harm. Furthermore, Jefferson Capitals reporting appears retaliatory, as it was done only after I exercised my rights by disputing the debt in writing, showing bad faith and willful intent to damage my credit standing and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I k

indly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-24 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and each month on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFor a total of XXXX I canceled my chashapp card and these charges were still able to be made with the canceled card. \nWhen I tried to reach out to them they told me there was nothing they could do except cancel my card and send a replacement, which obviously didnt do anything when I did that.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
I received a notification from XXXX  saying that a hard inquiry from XXXX XXXX was placed on my account. I contacted them and eventually got on a conference call with XXXX XXXX and they removed the inquiry from my exerian report I believe. But I haven't touched my credit score or anything since I first got my XXXX credit card and I have no affiliation to XXXX XXXX. I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.

I was told to submit a report through here but I am also not even sure if I am doing this correctly. I've never had this happen before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
I received a notification from discover saying that a hard inquiry from XXXX XXXX was placed on my account. I contacted them and eventually got on a conference call with XXXX XXXX and they removed the inquiry from my exerian report I believe. But I haven't touched my credit score or anything since I first got my XXXX XXXX XXXX and I have no affiliation to XXXX  XXXX. I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

I was told to submit a report through here but I am also not even sure if I am doing this correctly. I've never had this happen before.

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 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I applied with XXXX XXXX  XXXX XXXX for a {$20000.00} loan in XX/XX/year>. I was informed it would be considered a hard pull on my Credit score ( I wasn't worried since I always have a good score, XXXX ) but I did not know or knowingly agree to an interest increase, of XXXX XXXX, to a completely unassociated credit card. When I noticed the change I called ( XXXX ) the credit card company ( USAA ) and insisted that my interest rate be returned to the 10 %. The credit card company informed me that the hard pull was the cause of my increased interest rate based on the market and that it is totally out of their control to adjust the intereat rate back down and that it is the fault/decision of the Credit Burea not the actual credit card company. And the only option I had via the credit card company was to apply for another credit card that would hopefully offer a lower interest rate.

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