vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is a very stressful situation and its impacting my family I just want to move on from this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
The credit reporting agencies and your company are in violation for furnishing and reporting an account that does not belong to me. The account XXXX XXXX XXXX XXXX is not mine. 

Your company is claiming that you purchased a debt from XXXX  XXXX XXXX XXXX, which is completely false. This account was sold to XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, and I have proof of this directly from the original creditor, along with documentation of the active payment plan I currently have with XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is already reporting this same account on my credit report, so I have no idea why XXXX. XXXX is attempting to take ownership of an account that is already being handled by another collection agency. This is misleading, deceptive, and unlawful. 

Additionally, your company has engaged in harassing collection activity, which violates the Fair Debt Collection Practices Act ( FDCPA ). The credit reporting agencies are also in violation for double jeopardy and for failing to conduct a proper investigation into this matter.

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 2025-10-30 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: TX

Complaint narrative:
Certified mail sent XXXX XXXX, report was validated and I was notified within 10 days of receipt of dispute. Disputed Data Returned as Validated : The data in question was returned as validated despite the fact that the dispute raised substantive issues regarding its accuracy and completeness. 

Request for Validation : A request for validation was duly submitted in accordance with applicable statutory provisions. 

Failure to Comply with Statutory Timeline : The validation process did not adhere to the statutory timeline required for such reviews. The delay in response constitutes a procedural deficiency and undermines the protections afforded under governing law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I was given a {$300.00} XXXX gift card issued by InComm Financial Services at a XXXX in Wyoming. I have the original activation receipt showing that the card was properly activated. When I first checked the balance online, it correctly showed {$300.00} available. The next day, after being prompted to set up a PIN, the card was declined several times at a local store. When I checked the balance again, it showed only {$1.00} remaining. Upon reviewing the transaction history, I discovered XXXX unauthorized purchases all on the same day, after I had checked the balance online, at a merchant called XXXX, a company I have never used or had any connection with. 

I immediately filed a dispute with InComm, but after waiting two months, my claim was denied with no explanation beyond a generic response. I had never used, registered, or shared the card information with anyone, and I believe the card was compromised before I ever used it. This is a known issue with prepaid XXXX cards that have been activated and later found to be drained by fraud. 

I am asking that InComm re-open and properly investigate my claim in compliance with Regulation E protections for prepaid cardholders and refund the stolen {$300.00} balance. I have attached my activation receipt, the denial notice, and proof of the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I routinely monitor my credit report because maintaining a strong credit profile is important to me, yet I keep finding the same inaccurate and false information appearing over and over again. Despite my repeated attempts to dispute and correct these errors, nothing has been resolved. This ongoing issue has become incredibly stressful and exhausting, and it continues to harm my credit score and overall financial well-being unfairly.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
In light of this situation, I am requesting that you provide me with a document that shows all of the evidence supporting the inaccuracies in my report. This document should be verified and complete with sources. Please be aware that any deviation from the 2020 CRRG standards jeopardizes the integrity of data, which is a serious issue.

I am concerned that the integrity of your data could be compromised if these standards aren't followed. I want to ensure that all the information in my credit report is accurate and properly formatted, and I am disputing the below-noted claims until they are confirmed as facts. I urge you to take care of any false accounts on my credit report and fix this issue as soon as possible because it will affect me financially in the future if left unchecked. I can not accept anything less than 100 % accuracy on my credit report. Therefore, I request that only factually accurate, verified, and compliant data is documented in it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services failed to properly verify XXXX XXXX ( account # XXXX ). XXXX XXXX XXXX owns this account. This account has been verified 3 times, and Equifax, XXXX  and XXXX  have all falsely identified verification. The account referenced above is owned by XXXX XXXX XXXX  ( account number XXXX ). Both XXXX XXXX  and XXXX XXXX XXXX verified the account no-longer belongs to XXXX XXXX. False information illegal and in violation of the FCRA law. This information has an affect on my credit report. Please remove or pay {$1000.00}. XXXX XXXX XXXX XXXX account ending in XXXX, was also sold to another collection agency, XXXX XXXX ( account # XXXX ). This is false reporting and violation of the FCRA law. This practice is illegal and this account needs to be removed as XXXX XXXX XXXX no-longer owns this account. Please remove this account or pay a {$1000.00} fine. XXXX. XXXX  XXXX bankruptcy ( XXXX ), ( XXXX ) and XXXX ) on my credit report with false information regarding. All three bureaus Equifax, XXXX  and XXXX are reporting XXXX XXXX XXXX XXXX XXXX, US Bankruptcy Court, and Government as the furnisher of the bankruptcy account. The courts DOES NOT forward bankruptcies to the credit bureaus. This is false reporting and this XXXX  XXXX bankruptcy needs to be removed immediately! XXXX. XXXX XXXX ( account # XXXX ) shows a balance of {$10000.00}. This account was included in bankruptcy and the credit bureaus failed to verify the legitimacy of this account. None of my reports include bankruptcy as part of this account. Please remove this account or pay {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I had an XXXX and an XXXX store card and I paid my bills early and in full every month. Out of the blue they closed both of my accounts for no reason. When I asked why they said I had too many missed payments which is ridiculous because I never missed a payment. I have balances due on both cards and I'm going to be making monthly payments every month until it's paid off. I ran in to a bit of a problem in XXXX when my check was shorted over {$300.00}. I messaged them and explained what happened and they said missing a month would not be a problem as long as I agreed to pay them when I get paid. They have been harassing me EVERY DAY reminding me that I owe them money. When I spoke to the agent they said they were going to flag my account stating I couldn't afford to pay them that month but I will be paying them next month. Now they send me multiple emails EVERY DAY asking me to make a payment. I told the agent about this and they said the emails would stop as long as I was going to pay them next month I just looked at my account and noticed that they have been adding late fees. Since I contacted them and told them about the situation I think that adding the late fees is unfair. These people are HORRIBLE!! They are the only bank that I have ever dealt with that punishes you by closing your accounts and lying about the reason. I paid my bills every month early and in full!! How can they justify punishing me for paying early and in full???

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I was charged {$45.00} in interest after my promotional period ended. Prior to this date, I searched both my online account and billing statements to confirm the promotional end date. Normally, this information appears on billing statements, and many banks send reminder notices by email when a promotional period is about to expire. However, Capital One did not provide any such notice or display the end date on my account or statements. 

I contacted customer service to confirm the end date and to ask why it was not shown anywhere in my account or billing statements. The representative agreed that the information was not visible and said he would forward my feedback for future improvements. However, he stated that his system did not allow him to waive the interest charge. 

On XX/XX/year>, I filed a complaint with the Better Business Bureau ( BBB ). An XXXX representative from Capital One contacted me regarding my concern. She apologized and explained that her system also did not allow her to issue a credit either, but said my feedback would be used for improvement. She then claimed that the promotional end date was available in the app, but after checking the app thoroughly, I could not find this information anywhere. 

I believe this situation is unfair because the promotional end date was not clearly shown to me anywhere on the billing statement or online. I also didn't receive any communication from Capital One regarding the end date or their interest charges that were about to charge me. This information is essential so that customers can plan to pay off their balances before interest charges begin.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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 believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
Please correct/update this inaccurate information on my credit report.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have made several complaints about cash app on trust pilot that cash app will respond to and say please reach out to us on the app so we can take care of you and I do customer service reps dont know what Im talking about and nothing. Im thinking finally i will get taken of and nothing i file another complaint same.thing over and over again. I had a dispute from XX/XX/XXXXXXXX  that was paid in XX/XX/XXXXXXXX  in the amount of XXXX XXXX. During the time I was arguing with cash app back and forth on my dispute which denied and denied over over again. Cash app cause me severe financial harm i lost my house car and personal items from not having my money. My son lost the only ym house he knew of and I almost lost my life do to the stress of it all because I didnt want to hurt my son anymore I decide to stick around for him because he had lost enough. Im still struggling everyday to put food on the table now no food stamps in the month of XXXX will be another struggle and a reminder of what cash app did to cause this much stress and pain on someone I still dont have a vehcile so my son and I misses out alot of the times i had a good job that I had to kindly turn down because of no vechile. Dont keep asking me to reach out if you arent going to help and only wants to look good on trustpilot acting like you care when you dont. Dont make promises you cant keep because it would assume to me you are only responding to the complaint on trustpilot to make yourself look good. Cash app needs eviction notice signed about the judge, repo letter and hotel receipt no problems i have them. Make it right take responsibility for your actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) continue to report my XXXX XXXX as active, delinquent, or in default even though these debts were discharged through my bankruptcy case. Despite providing the credit reporting agencies and the lenders with documentation of my bankruptcy discharge, they have refused to update or remove the inaccurate information. 
Details of the Complaint : Bankruptcy Case Number : XXXX Adversary Proceeding Number : XXXX Court : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX Type of Bankruptcy : XXXX XXXX Status : XXXX XXXX discharged The following accounts were included in my bankruptcy and discharged, but are still being reported inaccurately on my credit reports : XXXX. XXXX XXXX showing as open and delinquent, with an unpaid balance XXXX. XXXX showing as charged off or in collections XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) showing as active and in default This reporting is false, misleading, and damaging to my credit profile. I have repeatedly provided proof of discharge to TransUnion, Equifax, Experian, and each loan servicer. The agencies responded that the accounts were verified, but no corrections were made, and no supporting documentation was provided to validate their claim. 



Violation Summary : These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to report and/or collect on debts that are legally unenforceable following a bankruptcy discharge. Additionally, the continued reporting of these loans as active or delinquent undermines the purpose of the bankruptcy discharge and constitutes post-discharge collection activity prohibited under federal bankruptcy law ( 11 U.S.C. 524 ).

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 2025-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) continue to report my XXXX XXXX as active, delinquent, or in default even though these debts were discharged through my bankruptcy case. Despite providing the credit reporting agencies and the lenders with documentation of my bankruptcy discharge, they have refused to update or remove the inaccurate information. 
Details of the Complaint : Bankruptcy Case Number : XXXX Adversary Proceeding Number : XXXX Court : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX Type of Bankruptcy : XXXX XXXX Status : XXXX XXXX discharged The following accounts were included in my bankruptcy and discharged, but are still being reported inaccurately on my credit reports : XXXX. XXXX XXXX showing as open and delinquent, with an unpaid balance XXXX. XXXX showing as charged off or in collections XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) showing as active and in default This reporting is false, misleading, and damaging to my credit profile. I have repeatedly provided proof of discharge to TransUnion, Equifax, Experian, and each loan servicer. The agencies responded that the accounts were verified, but no corrections were made, and no supporting documentation was provided to validate their claim. 



Violation Summary : These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to report and/or collect on debts that are legally unenforceable following a bankruptcy discharge. Additionally, the continued reporting of these loans as active or delinquent undermines the purpose of the bankruptcy discharge and constitutes post-discharge collection activity prohibited under federal bankruptcy law ( 11 U.S.C. 524 ).

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