vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
XXXX is reporting as an account on my credit report instead of a collections account. They also sold the account to Sequium yet it's still showing XXXX as the account holder. 
I've contacted XXXX several times to inquire how a XXXX bill turned into XXXX. I haven't received any correspondence from XXXX showing that the debt was being sold to a collection agency, nor have I received any correspondence from the collection agency. 

I have returned a cell phone to XXXX in XX/XX/year> however it's not reflecting on the bill either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I am filing a formal complaint against XXXX/Synchrony Bank for refusing to reverse disputed charges related to a compromised XXXX Ads account, despite receiving clear documentation that the charges were triggered by a system failure and acknowledged by the merchant ( XXXX ) in writing. 

In XX/XX/2024, my XXXX Ads account experienced an unprecedented surge in chargesover {$11000.00} in three days, caused by thousands of dormant, irrelevant, and foreign-language keywords being triggered simultaneously. This occurred between XX/XX/XXXX and XX/XX/XXXX and was the result of account compromise and platform automation failure. 

To put this in perspective, my typical daily ad spend is {$30.00} to {$50.00}, and my total annual budget ranges from {$10000.00} to {$15000.00}. In more than 15 years of running my business, I have never used personal credit cards for ad expenses. I only used the XXXX card in this situation because XXXX promised a refund after admitting to the overdelivery and platform errors. I relied on that promise and temporarily charged a portion of the ad costsapproximately [ insert exact amount if available ] to my XXXX card. 

I submitted a formal dispute and provided : An email from XXXX dated XX/XX/2024 ( Ticket ID : XXXX ) promising a refund for invalid traffic. 

A follow-up email from XX/XX/2024, confirming systemic failures with ad delivery and merchant mismatches. 

Supporting documents showing keyword manipulation, excessive charges, and lack of legitimate return on spend. 

A detailed dispute letter outlining the timeline, damages, and unrecoverable state of the account, which I eventually had to permanently shut down. 

I specifically asked the merchant to provide trigger keywords, landing pages, and full traffic recordsnot just monthly billing summaries. XXXX did not comply, and XXXX still denied the dispute, ignoring the lack of documentation and the merchants admission of error. 

XXXX Ads platform has built-in limits that prevent advertisers from overspending at this scale manually. What happened could only result from a platform override or systemic flaw. The charges were neither intentional nor authorized. 

Despite this, XXXX Bank XXXX XXXX account as delinquent, damaging my personal credit based on charges that were clearly invalid. This was not a case of voluntary overspendingit was a technical failure, acknowledged by the merchant, mishandled by the card issuer.

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 2025-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
After using the Affirm Card 's " Plan Ahead '' feature, which allows you to input a merchant and amount to be financed before agreeing to a payment plan and what Affirm calls an " Agreement to Pay. '' According to the plan I selected, I would be given a 0 % interest rate for completing my purchase in four installments, with the first being completed upon purchase. 

After selecting a payment plan and completing my purchase with the selected merchant, I received an alert that the first installment payment had been charged. Then, I received an email stating that I needed to select a payment plan OR the full amount of the loan would be deducted from my bank account on file. The payment plans now offered had a minimum of a 30 % interest rate ( ~ {$60.00} ), significantly higher than the original 0 % selected. 

Affirm provided a loan through their partner bank, XXXX, for {$1000.00} with 0 % interest on XX/XX/year>, which they cancelled. No representative was able to provide a reason for the cancellation, aside from neither I nor the merchant cancelled the loan. One representative stated that he had never seen this occur. Another representative repeated the same handful of canned responses, and the supervisor was only able to provide limited information regarding the loan.

The supervisor was unable to provide any information regarding their partner bank ( s ) except the names of the various banks. No contact information, dispute information, or disclosures were offered, except to say that the partner bank ( s ) can not provide any information about the loans offered, despite them being the issuers of the loans.

Affirm 's Help Center notes, in response to " Why your plan may adjust, '' that " [ y ] our interest rate and payment schedule wont change, but your payments may go up or down slightly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
Please consider this a formal dispute of fraudulent accounts reported under my name. I did not open these accounts, nor did I authorize any party to do so on my behalf. In accordance with XXXX XXXX. XXXX, I demand their deletion from my credit file within XXXX  days. Attached are documents substantiating this claim.

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 2025-06-09 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: KY

Complaint narrative:
I did not authorize these hard inquiries. This issue has cause undue stress and is negatively affecting my financial standing. 

My personal information was exposed in the XXXX data breach, and my social was leaked in the national public data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: KY

Complaint narrative:
I did not authorize these hard inquiries. This issue has cause undue stress and is negatively affecting my financial standing. 

My personal information was exposed in the XXXX data breach, and my social was leaked in the national public data breach.

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 2025-06-09 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of Equifax confirming my information was compromised and I kindly request the blocking of the following accounts and prevent any further reporting of them on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report along with these addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX My Current Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-10 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: TX

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), requesting that the Equifax credit reporting agency block the following fraudulent accounts from my consumer credit file within XXXX business days : XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX  XXXX Bank opened on XX/XX/XXXX These accounts were not authorized by me and are the result of identity theft. I did not apply for, initiate, or benefit from any of the above accounts. I have attached a copy of my consumer credit report showing the fraudulent entries, along with a valid FTC Identity Theft Report # ( private case number ) to support my identity theft claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
This is a legitimate complaint that requires immediate action. My credit report contains inaccurate information that clearly fails to meet the mandated standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial standing and overall well-being. I demand a prompt and thorough investigation, followed by the immediate correction or removal of the false information. Resolving this issue is not optional it is imperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
There are multiple inaccuracies on my credit report that I would like you to investigate and please remove as quickly as possible XXXX {$11000.00} I have no knowledge of this account. I never applied for this account. I have no proof of this, but I think it could've been my brother who lives in Alaska, but this is not my account. Please remove from my credit report. Please ask the bank to zero it out and take my name off of it. This was open fraudulently without my permission. 

XXXX XXXX, {$9800.00} I was an authorized user on this account, but the card was stolen and used fraudulently. We never figured out who used it. I don't know exactly what the bank decided between them in the primary, but I'm just the authorized user and the account is closed and it's not my account please remove it from my credit report If the account is closed, I'm not an authorized user anymore. It shouldn't be listed on my Report XXXX has four individual hard inquiries well considering that they wan na account that is showing up on my credit report is fraudulent and not mine. Clearly those four inquiries are fraudulent and not mine. I would ask that you removed The banks for inquiries, I contacted the bank. They informed me that they agree that these were fraudulent transactions if they're disputed and sent to them, they will agree to remove them, but it's ultimately up to the credit reporting agencies to remove them. I guess, but those inquiry shouldn't be on there I never applied for one of their cards everI just want those four inquiries removed from the bank. I think it's for. 

XXXX XXXX XXXX XXXX {$1500.00}. That card was stolen and was used fraudulently capital one knows this all of my XXXX XXXXXXXX credit cards were stolen with my bag along with my phone my wallet my ID now XXXX XXXX did zero out all the other accounts and I appreciate that, but they also punished me for being a victim of a crime and closed all of my accounts, but whatever but this {$1500.00} doesn't belong to me. They need to investigate this and remove it All of my credit cards were stolen they know this my phone. Everything was stolen. I did not make these transactions.

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 2025-06-09 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: LEXISNEXIS
State: GA

Complaint narrative:
I am submitting this complaint against LexisNexis Risk Solutions for failing to provide a copy of my consumer report as required under the Fair Credit Reporting Act ( FCRA ). 

My name is XXXX XXXX, and I am requesting a copy of my full consumer report to review the accuracy of the personal and public records LexisNexis may be reporting about me. Under the FCRA, I am entitled to receive this information upon request. 

I have already submitted this request directly to LexisNexis and attached all necessary forms of identification with my original request. Despite this, I have not received a response or my consumer report within a reasonable time frame. 

I am also requesting that LexisNexis not delay or stall this complaint by re-requesting identification that I have already provided. My ID and proof of address were attached to my original request and are attached to this complaint for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: PA

Complaint narrative:
My identity was stolen and used to open fraudulent accounts thats reporting to Experian, TransUnion and Equifax. XXXX XXXX XXXX XXXX XXXX  opened XX/XX/year>. Also XXXX XXXX XXXX closed accounts reporting to TransUnion. With a collection accountant XXXX and XXXX reporting to TransUnion.

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 2025-06-10 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: NY

Complaint narrative:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 
This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
# XXXX I am unaware of this debt and did not have an opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete account # XXXX from credit report immediately or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Debt Not Validated Properly MCM failed to provide proper validation under the FDCPA ( 15 U.S. Code 1692g ). They did not send any signed agreement, complete account history, or breakdown of the debt. A generic summary is not sufficient under the law. Harassing and Improper Calls Despite their claims, I received frequent, unwanted callssometimes outside of allowed hours and from misleading phone numbers. This violates FDCPA 805 ( a ) ( 1 ) and South Carolina Code 37-5-108. These calls were excessive and stressful. Misleading Legal Threats MCM threatened legal action without confirming they intended to pursue it. This is a violation of FDCPA 807 ( 5 ) and S.C. Unfair Trade Practices Act. FCRA Reporting Violations MCM is reporting this account on my credit without marking it as disputed, despite my previous challenges. This violates FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 3 ) ). Cease and Desist Ignored in Practice They marked the account Cease and Desist but still maintain the debt and continue to report it. Since they never fully validated the debt, they should not be allowed to report it or pursue it. Requested Action : Remove this account from my credit reports entirely. Instruct MCM to stop collection and reporting until full validation is provided. Refer this case for further enforcement under South Carolina law if needed. Thank you for reviewing this and continuing to protect consumer rights.

Company response to consumer: Closed with explanation