vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: VA

Complaint narrative:
On XX/XX/XXXX. 
Two months ago. 
Total 0.2195876 ETH {$880.00} Status Pending Network ETHEREUM icon Ethereum On-chain transaction ID XXXX XXXX XXXX Deposit address XXXX XXXX  XXXX Date XX/XX/XXXX, XXXX XXXX As you can see XXXX received my deposit. Refuses to release it and will not tell me why. Will not tell me anything. 

I have followed up with emails on the following dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I was able to speak with one person who said they were from XXXX. They were unable to provide any proof. I had to take them at their word. Heavy foreign accent. 

The person I spoke to talked me into letting him have control of my computer. Once in, he asked me to log in to my crypto wallets. Wallets not associated with XXXX. Once I signed in, all my computer screens went black. The guy who said he was from XXXX was still on the phone with me, and said it was ok. No, it's not ok to take control of a personal computer and then block the owner from seeing what you are doing. I feel, and it seems really apparent, that your representative was trying to steal coins out of my wallet. I still have pending transactions and assets I purchased, being held hostage, ransom, illegally on XXXX 's network, and they will not provide someone to assist or even to return an email. 

Please reverse transfer and send it back to my XXXX wallet. Please respond to my request. Please provide an answer as to why you have held up assets for 2months with no reason? Tell me why I can not get a response back to any of my numerous emails.

I have reached out to the XXXX and CFPB. I will also be sending a brief of this to the FBI financial division, requesting an investigation. 

I will also contact the IRS and any other agency that has the power to act against the illegal activities brought to light by my family and me. 

I am unsure why you have singled me out for this attempted fraud and theft, but please know, I will do my best to let everyone no.

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 2025-11-24 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:
Accounts are being reported under my name without my authorization or knowledge, and I have never managed or approved them. This is unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile seriously, and the presence of these unauthorized accounts has caused significant concern. I require immediate clarification on why these accounts appear and who is responsible for reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX DEPT OF educationXXXX XXXX XXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. 
You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe  XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX - XX/XX/year>, XXXX - XX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Conduent Incorporated
State: AZ

Complaint narrative:
On XX/XX/25 I attempted to make an online purchase for {$180.00} and the transaction was cancelled due to payment. I contacted customer service on the same day. The representative confirmed the account balance as well as the account and the card is active. I made another attempt to make an online purchase for {$25.00} on XX/XX/25 and the transaction was denied due to payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am writing to dispute a latepayment entry currently being reported on my credit report in connection with the account listed below. I believe this entry is inaccurate, incomplete or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the right to dispute such information and request that it be investigated and corrected or removed if it is found inaccurate. 

Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date of Alleged Late Payment : XX/XX/year> - XX/XX/year> I was never late in making payments. Please correct and update the inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am reporting potentially predatory lending practices by CareCredit, issued by Synchrony Bank. I applied for CareCredit and was denied, despite having a XXXX Equifax credit score, 100 % on-time payment history, minimal debt, and a household income of {$90000.00}.

Meanwhile, my wife works in an XXXX XXXX XXXX and regularly sees CareCredit approve applicants with subprime credit scores in the 500s, repeated late payments, and high-risk financial profiles. Denying low-risk, responsible borrowers while approving high-risk borrowers strongly suggests a pattern designed to profit from fees and interest. 

I am not requesting reconsideration or approval. I am submitting this complaint solely for regulatory review and investigation into whether CareCredit XXXX Synchrony Banks underwriting and approval practices constitute predatory lending.

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 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to resolve an escrow discrepancy with 21st Mortgage. At XXXX p.m., I spoke with XXXX XXXX, who refused to initiate an escrow waiver due to the discrepancy. She then transferred me to XXXX, who declined to provide effective verbal communication as required under ADA compliance. I rely on this accommodation, and his refusal directly impacted my ability to communicate. During the call, XXXX became aggressive, forcing me to end the conversation. 

At XXXX p.m., I spoke with XXXX, but I was again denied the opportunity to file a formal complaint. Following these interactions, my account was flagged in a way that prevents me from speaking with representatives. This appears to be retaliatory, as the flag was applied solely because I requested an escrow waiver to address the discrepancy. 

The conduct of these representatives demonstrates : - Failure to comply with ADA communication requirements - Denial of my right to file a complaint - Retaliatory account flagging that restricts communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
I have contacted Hyundai Motor Finance ( HMF ) multiple times to receive a title for a vehicle I bought from them without them listed as a lienholder but they have not provided me this despite multiple contacts to HMF.

Each time I try someone gives me a different answer and solution which never works. None of the three items HMF has sent me have been sufficient at the Michigan Secretary of State to remove HMF from my vehicle title.

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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems is attempting to collect and report a debt that is the result of identity theft and has not been validated. 

The original creditor, XXXX XXXX, sent me a written notice stating : Your XXXX XXXX XXXX Credit Card account has been sold to Jefferson Capital Systems , LLC. We are no longer able to assist with inquiries or accept payments for this account. 

I did not open or authorize the underlying XXXX XXXX account. My personal information was compromised in a data breach, and multiple fraudulent accounts appeared on my credit reports. I filed an FTC Identity Theft Report, disputed the account with XXXX XXXX, Jefferson Capital, and all three credit bureaus. 

I requested validation of the debt, including : the original signed application identity verification records IP/device logs account statements transaction history chain of title / assignment documents any evidence proving I opened the account No documentation was provided. Jefferson Capital is reporting or attempting to collect a debt without proof, in violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 623 ( b ) failure to conduct a lawful investigation FCRA 605B identity theft blocking FDCPA 807 & 809 failure to validate and attempting to collect a debt not owed CFPB regulations prohibiting deceptive or misleading collection practices Jefferson Capital can not validate ownership, has no permissible purpose to report this account, and is furnishing fraudulent information that does not belong to me. 

I am requesting CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has
the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC initially ruled in my favor for unauthorized charges, issued a refund, then reversed the decision without providing any documented reason or merchant evidence. I am requesting copies of the investigation and proof used to reverse the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have contacted both parties regarding the issue about the {$1500.00} claim and I'm not being heard. I had provided ALL of the information I could and Im being told that my phone was used and I provided that my phone was stolen. The dates are XX/XX/XXXX {$300.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$300.00}, and XX/XX/XXXX {$300.00}. I went back and forth with XXXX XXXX In emails and I couldnt get a hold of a real person. I am very frustrated because my own bank doesnt help me either. I provided everything I could and still gets denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
Furnishing and reporting inaccurate, unverifiable charge-off.

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 2025-11-25 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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
am disputing an account that LVNV Funding is reporting on my credit report. I do not owe this debt and I never entered into any agreement or contract with LVNV Funding. They have not proven that they own this alleged debt. 

I mailed dispute and debt validation letters requesting the original signed contract, proof of ownership, proof of assignment, and a full account history. LVNV has not provided any of this information. Instead, they continue to report and reinsert this account on my credit report without proper validation.

This is inaccurate information that is harming my credit. I am requesting that this account be fully investigated and deleted if LVNV can not provide real proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am victim of identity theft. I've never gave anyone permission or authorization to open these credit card accounts in my name without my 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 non-monetary relief