vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-08 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
I attempted to cash a XXXX Treasury refund check made payable solely to me at XXXX XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Virginia. The staff refused to cash the check unless I provided the full names and unredacted Social Security numbers of my XXXX XXXX who were listed as dependents on the IRS Form 1040 I had already shared with them ( at their request ). 
I spent over two hours at their location, with my XXXX children present, while the staff and District Manager debated the requirements. I was eventually told that this information was needed to process the check and that it may be run through XXXX to verify identity despite no written policy, privacy notice, or legal justification provided for collecting and using my children 's sensitive information. 
I requested a copy of any policy supporting this, and none was provided. I later reviewed XXXX XXXX XXXX public privacy policies and found no mention of collecting SSNs from minors for check cashing, or of verifying child dependents through credit agencies. 
I believe XXXX handling of this situation reflects a lack of transparency, failure to disclose their data practices, and possible violation of privacy protections under the Gramm-Leach-Bliley Act, FCRA, and XXXX XXXX XXXX XXXX XXXX. 
Requested resolution : Review and revise their check cashing and data collection practices for compliance. 
Provide a formal apology. 
Reimburse me for the time, emotional distress, and inconvenience caused by the improper denial of service including time spent in the store with XXXX young children and sharing documents that were ultimately not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: MI

Complaint narrative:
I requested to close this account, XX/XX/XXXX. In XX/XX/XXXX I started receiving statement stating that I had late fees associated with this account. I have been trying to contact the company since XXXX to understand what was the charges associated on my account in every phone call I received a different answer. XX/XX/XXXX I was informed that the company has a policy which states they hold accounts open 15 days after the closure. I asked for the disclosure and the terms & conditions in the mail, the manager told me they couldnt provide that information to me because i didnt have an account. I started to record the conversation and the associate hung up on me. This situation has made my credit score drop over XXXX points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: AZ

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 2025-05-09 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: AZ

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX, XXXX XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-05-08 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:
Im disputing a XXXX XXXX XXXXXXXX account that still appears on my TransUnion credit report. 
The account has a {$0.00} balance, was paid and closed a long time ago, and I never authorized for it to be reported as a charge-off or collection. 

This account is not mine in the way its being reported. I dont owe anything, and I never agreed to have my credit profile harmed after resolving it. 

XXXX  no longer reports this item, which proves its not required or accurate. 

I already submitted an FTC Identity Theft Report, and I request that this record be removed under FCRA 605B and 623 due to identity misuse and incorrect reporting of a resolved account. 

Section : Accounts or Items to Dispute XXXX XXXX XXXXXXXX Account # XXXX, Status : Charge-Off, Balance : {$0.00} I did not authorize this account, and it does not belong to me. The reporting is inaccurate. 

Section : Hard Inquiries TransUnion : 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
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit Reporting Agency Failed to Respond to Method of Verification Request FCRA Violation I submitted formal disputes via the CFPB portal on XX/XX/year>2025, regarding several inaccurate items listed on my credit report maintained by Equifax/Experian and TransUnion. Although my initial disputes submitted on XX/XX/year>2025, were not accompanied by supporting screenshots, I provided detailed visual proof of the inaccuracies with my Method of Verification ( MOV ) requests dated XX/XX/XXXX and XX/XX/XXXX. These were sent via certified mail and received by the CRAs. Despite this, no valid response or verification was provided, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

The CRA later responded stating the items had been " verified, '' but did not provide supporting documentation or a detailed explanation. In response, I submitted a formal Method of Verification ( MOV ) request under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). This was : Sent via certified mail on XX/XX/year>2025 Received by the CRA on XX/XX/scrub> 2025 ( per signed return receipt ) Followed up with a second certified letter dated XX/XX/year>2025 In the MOV request, I lawfully asked the CRA to provide : 1. The name, address, and telephone number of the party that verified each disputed account 2. A description of the method used to verify the accuracy of the disputed information To date, I have not received any response to this MOV request, in violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires a response within 15 days of receipt.

This failure constitutes a violation of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Failure to respond to a Method of Verification request FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation I am requesting : Immediate deletion of the disputed account ( s ) Enforcement of my rights under FCRA 616 and 617

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I called on XX/XX/year>2025 after my employer/business phone number received an automated message and asked to have the phone number XXXX taken off their list. I specifically said that it was a business line. Today on XX/XX/year>2025 I received another call at the same phone number. They clearly did not honor my request. When I told the agent this and that I was at work and she needed to take my number off the list and I could not talk, she continued to push me for a response to the reason for her call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/2025 To Whom It XXXX Concern, Subject : Formal Dispute and Immediate Removal Request for Unauthorized Accounts Accounts in Question : XXXX Account # XXXX Progressive Account # XXXX XXXX Account # XXXX I am writing to formally dispute the accuracy and authorization of the above-referenced accounts currently listed on my credit report. I did not authorize the creation, use, or reporting of any of these accounts. Their presence on my credit file is inaccurate, and they must be removed immediately. 

Under my rights granted by the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires that a reinvestigation be conducted when a consumer notifies a credit reporting agency of a dispute regarding account accuracy.

15 U.S.C. 1681b prohibits the access or reporting of consumer credit information without a legally permissible purpose. 

Therefore, I am demanding the following actions : 1. Immediately remove the XXXX, XXXX, and XXXX accounts from my credit report. 
2. Send written confirmation verifying that the deletions have been completed.

3. Cease all future reporting of these accounts unless verifiable proof of my authorization and liability is provided.

If these accounts are not removed within 30 days from the date of this notice, I will take further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Office of Attorney General. I will also consider legal action for noncompliance with federal credit reporting laws. 

Please treat this letter as my formal dispute under 15 U.S.C. 1681i ( a ) and take all appropriate actions immediately. 

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 2025-05-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/2025 To Whom It XXXX Concern, Subject : Formal Dispute and Immediate Removal Request for Unauthorized Accounts Accounts in Question : XXXX Account # XXXX Progressive Account # XXXX XXXX Account # XXXX I am writing to formally dispute the accuracy and authorization of the above-referenced accounts currently listed on my credit report. I did not authorize the creation, use, or reporting of any of these accounts. Their presence on my credit file is inaccurate, and they must be removed immediately. 

Under my rights granted by the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires that a reinvestigation be conducted when a consumer notifies a credit reporting agency of a dispute regarding account accuracy.

15 U.S.C. 1681b prohibits the access or reporting of consumer credit information without a legally permissible purpose. 

Therefore, I am demanding the following actions : 1. Immediately remove the XXXX, XXXX, and XXXX accounts from my credit report. 
2. Send written confirmation verifying that the deletions have been completed.

3. Cease all future reporting of these accounts unless verifiable proof of my authorization and liability is provided.

If these accounts are not removed within 30 days from the date of this notice, I will take further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Office of Attorney General. I will also consider legal action for noncompliance with federal credit reporting laws. 

Please treat this letter as my formal dispute under 15 U.S.C. 1681i ( a ) and take all appropriate actions immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On my TransUnion credit report, there are charge-off entries for XXXX accounts : XXXX XXXX  XXXX ( account number XXXX ), reported on XX/XX/XXXX, and XXXX XXXX XXXX XXXX account number XXXX ), reported on XX/XX/XXXX. Both of these accounts are incorrectly marked as charge-offs, and I strongly suspect that these inaccuracies stem from a potential data breach rather than fraudulent activity or intentional actions on my part. These charge-offs are severely affecting my credit score and, consequently, my financial situation. The persistent reporting of these erroneous accounts has not only caused a decline in my credit score but has also made it more difficult for me to secure credit and manage my finances. I have attempted to dispute these inaccuracies with the credit bureaus, but no meaningful corrective action has been taken. This has caused significant emotional and financial distress, as I have to deal with the repercussions of a mistake that was not caused by me.

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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Dear CCS / XXXX / Sir/Madam , I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( Engelhart v. Gravens ), if no evidence is provided, I will assume no debt exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I sent company a corporate complaint via phone to their banking claims dept and credit card manager that my account had no violation of terms nor conditions. Agents were frequently discriminating on my account data leaving me text messages with codes to validate my identity on Recorded calls and lie. I logged today and noticed Capital One claims took {$120.00} out of my debitcard leaving my account in the negative without legally notifying me of my claim status by mail or email.

They have claims they constantly wont pay or settlement my Regulation E Provisional credits. Often defaming my character and violating my values and opinions. Right now Checking Claims depts owes me {$140.00} in claim disputes that have not processed as promised today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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