vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
Around 1 month and a half ago I noticed I got a credit collection on my XXXX  credit bureau I tried to dispute it because I had no information about this debt I never received any phone calls to resolve the debt I never heard of it. Its from an energy company in XXXX  I havent lived in XXXX  since 3 years ago and before I joined the military I paid all my utilities off. I reached out to the debt collectors BULL CITY FINANCIAL to ask for a validation of debt 30 days ago and they told me they would forward the letter once received still havent received anything and its been a month. Why would they report this to XXXX XXXX and XXXX without calling me, or informing me of this debt first or without even knowing it truly belongs to me which it doesnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy, as required. These errors are having a significant negative impact on my life, both financially and emotionally. During these already challenging times, correcting and/or removing these inaccuracies would bring much-needed relief and support. I sincerely urge that this matter be addressed promptly and thoroughly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
This inaccurate reporting is directly damaging my financial opportunities, including my ability to obtain loans, receive credit approvals, and secure housing. The presence of unauthorized and negative information on my credit report is both unjustified and unfair. I can not allow this to continue undermining my financial stability. I am requesting a thorough investigation into these unauthorized accounts and prompt removal from my credit report. This matter requires immediate attention, and I expect swift and appropriate action to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, a lease agreement ( Lease No. XXXX ) was allegedly initiated in my name with Acima Leasing for a XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not knowingly authorize this lease nor did I receive or take possession of the product. 

Acima charged an initial payment of {$76.00} and then began debiting unauthorized charges of {$200.00} + tax biweekly, which are not disclosed in the signed lease. The contract only specifies {$130.00} biweekly plus optional fees. These excessive charges, labeled in some records as Benefits Plus, were never agreed to or itemized in writing. 

I attempted to dispute these charges and on XX/XX/XXXX, I successfully submitted a chargeback of {$140.00}. Despite this, Acima continued to pursue the debt and ultimately charged off the account on XX/XX/XXXX, claiming I owed over {$3300.00}. This occurred without clear notice, debt validation, or appropriate documentation. 

I did not receive required disclosures under the Truth in Lending Act ( TILA ), and Acima continued electronic debits in violation of the Electronic Fund Transfer Act ( EFTA ). These actions caused financial hardship, confusion, and the creation of a debt I do not legally or contractually owe. 

I filed a complaint with the CFPB on XX/XX/XXXX, and received an inadequate response from Acima on XX/XX/XXXX. They denied wrongdoing and refused to cancel the debt. 

I am requesting full debt cancellation, removal of any related records, and FTC investigation into deceptive and unauthorized billing practices by Acima Leasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, t states a consumer reporting agency can not furnish an account without my written 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 and crimes which antedates she report by 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.

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 2025-05-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, t states a consumer reporting agency can not furnish an account without my written 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 and crimes which antedates she report by 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.

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 2025-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC
State: MI

Complaint narrative:
NOTICE OF CONTINUED DISPUTE AND NON-CONSENT TO ASSIGNMENT Date : XX/XX/XXXX From : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Non-Domestic / Without the United States To : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : Continued Dispute of Alleged Debt XXXX XXXX XXXX ( VIN XXXX ) Dear Compliance XXXX, I write as Trustee of the XXXX XXXX XXXX Living Trust ( the Trust ) to formally continue my dispute of any alleged obligation under the Retail Installment Contract for the above-referenced vehicle. This Notice supplements and extends all prior commercial notices and demands, including your lack of response to the Final Demand to Cure dated XX/XX/XXXX, which remains unrebutted. 

XXXX. Ongoing Non-Performance and Default The vehicle remains out of Trust possession and under extended warranty repair with no projected completion date. 
Despite multiple Notices of Default and your subsequent silence, you have not cured the breach, respond to lawful demands, or provided a settlement. 

XXXX. Dispute of Validity & Non-Consent to Assignment The Trust disclaims any valid debt obligation due to failure of consideration, fraud in the inducement, and material breach. 
No written consent was given for any assignment, transfer, or securitization of the contract. Any such purported assignment is null and void. 

XXXX. Reservation of Enforcement Rights The Trust hereby reserves all remedies, including but not limited to : Filing a UCC-1 Financing Statement securing {$39000.00} in damages, Initiating lien and setoff actions under UCC 9-607 and 3-305, Commencing civil litigation for breach of contract, fraud, and emotional distress, and Reporting this matter to regulatory bodies ( CFPB, Michigan AG, FTC ). 

XXXX. Prohibition on Collection and Reporting Until this dispute is fully resolved to the Trusts satisfaction, any attempt to collect, report, or enforce the alleged debt will constitute a willful violation of : FDCPA, 15 U.S.C. 1692e, 1692f ( unfair and deceptive practices ), and Michigan Consumer Protection Act, MCL 445.903 ( 1 ) ( r ) ( unconscionable business practices ).

Notice to Agent is Notice to Principal.

Notice to Principal is Notice to Agent.

All Rights Reserved, Without Prejudice, UCC 1-308. 

Respectfully submitted, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
b'I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH . PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX.\n \nAccount Name: XXXX XXXX XXXX  - Date Opened XXXX\n \nAccount Name: XXXX XXXX XXXX XXXX  - Date Opened XXXXn \nAccount Name: XXXX XXXX XXXX XXXX - Date Opened XXXX \n                                          \nAccount Name: XXXX XXXX  - Date Opened XXXXn \nAccount Name: XXXX XXXX - Date Opened XXXXn \nAccount Name: XXXX XXXX XXXX XXXX  - Date Opened XXXX \nAccount Name: US DEPT ED XXXX - Date Opened XXXX\n \nAccount NameXXXX XXXX #XXXX  - Date Opened XXXX  \nUNAUTHORIZED INQUIRIES:\n \nXXXX         XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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've recently received a copy of my credit report and noticed unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy, as required. These errors are having a significant negative impact on my life, both financially and emotionally. During these already challenging times, correcting and/or removing these inaccuracies would bring much-needed relief and support. I sincerely urge that this matter be addressed promptly and thoroughly.

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 2025-05-17 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/year> I deposited {$750.00} cash into my Citizens Bank Account. Upon arriving back home 30 minutes later, I tried to log in to check my balance & I recieved a notification that I had been signed out. This was awfully strange to me, considering my account has never completely logged me out like that. Usually it would just ask for XXXX XXXX But I input my username and password and continued to receive an error message, prompting me to reset my password. I then attempted to reset my password & received another notification that I was inputting the wrong SSN and DOB, which I am certain wasnt incorrect. Following this, I phoned the customer service team & inquired about why I was logged out and informed them that I can not reset my login information via the mobile app. The customer service team simply stated your account is locked pending review and there is nothing we can do about it. I asked them how can I access my money, being that I am behind on bills. They continued to repeat that my account is locked and my funds will remain inaccessible until further notice. I asked what prompted the lock and how long would it take to lift it. They refused to answer my questions simply repeating that my money wont be accessible until further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, t states a consumer reporting agency can not furnish an account without my written 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 and crimes which antedates she report by 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
TransUnion, Equifax and Experian Credit Bureaus are in violation of the rules, statues, and Laws Governed by F.C.R.A and All applicable Federal Laws that Govern Credit Reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
TransUnion, Equifax and Experian Credit Bureaus are in violation of the rules, statues, and Laws Governed by F.C.R.A and All applicable Federal Laws that Govern Credit Reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
The inaccurate information on my report is severely damaging my financial prospects, including my ability to obtain loans, secure credit approvals, and even qualify for housing. These unauthorized negative entries are both unfair and unjustified, and I can not allow them to continue undermining my financial stability. 
I insist that these fraudulent or erroneous accounts be promptly investigated and removed from my report without delay. Given the urgency of this matter, I expect immediate action to resolve this issue and restore the accuracy of 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge 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:
I filed a dispute with Synchrony Bank ( Venmo Credit Card ) regarding a charge of {$8200.00} on XXXX XXXX XXXX made to a merchant named XXXX. I paid for a marketing service that was never delivered. 

Despite repeated follow-ups and delays, the merchant failed to provide anything no deliverables, no work product, and no ongoing communication. After waiting over a month, I canceled the service and requested a refund. The merchant refused, so I filed a dispute with Synchrony.

I recently received the dispute results, and Synchrony ruled in favor of the merchant. However, the only documentation the merchant submitted was : A copy of the service agreement A letter stating they delivered the product There was no evidence whatsoever that the service was completed. No emails. No timestamps. No deliverables. No screenshots or records of any communication or performance. All while I supplied my communications stating the contrary. 

This is not a valid defense. Synchrony accepted a self-written merchant letter as sufficient proof even though I provided written evidence showing the service was not performed. 

This ruling violates fair dispute handling practices and leaves me with no product and a loss of {$8200.00}. I am requesting that the CFPB investigate this dispute decision and hold Synchrony accountable for ignoring the requirement that merchants must provide actual proof of delivery, not just a statement.

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 2025-05-17 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-17 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX 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