vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

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 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This company called me more then 20 times a week .. I had to have XXXX  XXXX .. so I couldn't work and got behind on bills. Portfolio recovery called me over and over and she said when are you going to pay this account and I tried to explain my situation .. she said we'll you shouldn't of swiped the XXXX card. She cussed me out while i was in recovery and then threatened to sue me.. 
Within a week she started knocking on my door and waiting outside my house .. then she had the police deliver papers... I couldn't go to court because of my XXXX... since then ive paid every other collection account down to zero .This company has violated my rights.after i paid them the other account i owed them... they then reopened this account without my permission to continue to negatively affect my credit report. Please help.his

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-12-25 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XXXX {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$310.00} INQUIRIES : XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: VA

Complaint narrative:
On XXXX XXXX XXXX I rented a XXXX XXXXXXXX XXXX from XXXX XXXX and returned the equipment later that same day. The return was completed with the assistance of a XXXX XXXX employee who advised me that I was all set and that no further action was required. I relied on those instructions and left the equipment as directed. 

I was never contacted by XXXX XXXX regarding any issue with the rental or return. On XXXX XXXX XXXX I received my first notice of any problem when I was contacted by the debt collector, XXXX XXXX XXXX XXXX XXXX, claiming the equipment had never been returned and demanding payment of {$920.00}. 

The equipment was returned in full and on time. XXXX XXXX can easily verify this by reviewing surveillance footage from the XXXXXXXX XXXX area on XXXX XXXX XXXX, which will show the return of the equipment. In addition, XXXX XXXX can confirm that the exact piece of equipment I rented is currently in its possession and available in its rental inventory. 

I immediately disputed the debt. Despite this, the account was placed into collections and has negatively impacted my credit. At the time this occurred, I was in the process of beginning to purchase a home, and the inaccurate credit reporting disrupted that process and caused significant financial stress. 

Any failure to properly document the return of the equipment was the responsibility of XXXX XXXX and outside of my control. I fulfilled my obligations as a consumer in good faith. In addition to requesting immediate withdrawal of the account from collections, correction and removal of all negative credit reporting, and written confirmation that the balance is XXXX, I am also seeking appropriate compensation for the financial harm and credit damage caused by this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

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 2025-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Golden Title Loans LLC
State: TN

Complaint narrative:
On XX/XX/year>, I went to the XXXX XXXX  location at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to inquire about a title loan. I did not complete or sign an application, and I did not give written or verbal authorization for my Social Security number or XXXX  history to be checked. 

XXXX employee began the intake process and requested my Social Security card, vehicle title, and a utility bill, and copies were made. While this employee was handling intake, a XXXX  employee seated beside her picked up the phone and placed a call on speakerphone. 
I personally heard the automated XXXX  XXXX  case-status phone system provide information during this call. After the call ended, the employee stated that I had XXXX XXXX. 

I was then told they could not do business with me and was told words to the effect of : I dont want to waste your time doing an application. 
I was therefore refused service verbally, without completing an application and without receiving any written notice, disclosure, or adverse action explanation. 
The statement that I have XXXX XXXX  is factually incorrect. I have had XXXX XXXX  filings total, including reinstatements and a conversion, which do not count as separate XXXX. 

My XXXX  XXXX  filing occurred approximately XXXX  years ago, and my most recent case was approximately XXXX  years ago. I have not filed any XXXX  since that time. This information is not current and was mischaracterized during the refusal of service. 

I believe XXXX XXXX  engaged in improper conduct by : Using my Social Security number without authorization Having a second employee access a XXXX  XXXX administrative phone system for screening purposes Playing sensitive XXXX  information on speakerphone Refusing service based on incorrect, misleading, and outdated bankruptcy information Failing to provide any required written disclosures or adverse action notice I am requesting an investigation into misuse of XXXX XXXX systems, unauthorized use of my personal information, and violations of consumer protection and credit-decision disclosure laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I am filing a complaint regarding my Surge Mastercard account. I was actively paying this account down with the intent to close it, making multiple payments per month over several months. I had no new purchases driving the balance, the ongoing balance was driven by recurring fees and interest. While I was paying the balance down to close the account, the issuer assessed multiple fees at once, including a {$150.00} annual fee ( posted XXXX  ), a XXXX XXXX monthly maintenance fee ( posted XXXX ), and a {$30.00} late fee ( posted XXXX ), along with interest. These fees significantly increased the balance and prevented me from closing the account despite good-faith payments. I attempted to contact the issuer, but customer service was unavailable when I called. I am requesting reversal/credit of the annual fee, monthly maintenance fee, and late fee, removal/credit of related interest tied to those fees if applicable, written confirmation of the corrected payoff amount, and confirmation the account can be closed in good standing with no additional fees assessed while the dispute is under review.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized credit inquiries reported by XXXX XXXX on my credit report. 

XXXX XXXX is reporting multiple hard inquiries on the same dates ( including XX/XX/XXXX and XX/XX/XXXX ). I did not authorize multiple credit applications, nor did these inquiries result in separate open accounts. 

Under the Fair Credit Reporting Act ( FCRA ), credit inquiries must be supported by clear consumer authorization and a legitimate permissible purpose. XXXX XXXX has failed to provide proof of authorization for each inquiry reported. 

I am requesting that XXXX XXXX provide full verification for each inquiry, including signed authorization, application records, and evidence of permissible purpose. If they can not verify each inquiry individually, I am requesting immediate removal of the unauthorized and duplicate inquiries from all credit reporting agencies.

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 2025-12-25 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$380.00} in cash at a Huntington Bank branch-owned ATM.

The ATM displayed an error stating it pulled the money back to protect my account. The cash was not credited.

I immediately contacted Huntington Bank and opened an ATM deposit investigation and was given a case number.

Despite multiple follow-ups and escalation to a supervisor, the funds have not been credited, including after overnight processing.

This delay has caused significant financial hardship, including inability to pay my rent on time. 

I am requesting prompt credit of my funds, confirmation of the ATM overage, and appropriate resolution of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to inaccurate, incomplete, and unverified information being reported on my consumer credit file. I previously disputed these items directly with the credit reporting agency, however the errors remain unresolved, requiring CFPB review and intervention. 
This complaint concerns incorrect personal information, inaccurately reported account payment history, and unverified credit inquiries. Despite prior notice, the furnisher and/or reporting agency has failed to conduct a reasonable investigation as required by federal law. 
INCORRECT PERSONAL INFORMATION WRONG ADDRESSES XXXX XXXX XXXXXXXX XXXX XXXX This address does not belong to me. I have no knowledge of this address and it has no association with my credit history. It must be deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX This address is inaccurate and does not belong to me. I have never resided at or used this address. Immediate removal is required. 
INACCURATE ACCOUNT REPORTING LATE PAYMENT HISTORY XXXX XXXXXXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$6900.00} Date Opened : XX/XX/XXXX The late payment history reported on this account is inaccurate. I did not make late payments as reported. This is a reporting error and violates the accuracy requirements of the FCRA. The payment history must be corrected to reflect accurate information. 
XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX  High Balance : {$650.00} Date Opened : XX/XX/XXXX The late payment notation on this account is incorrect. I dispute the accuracy of the reported payment history. Please conduct a proper investigation and correct the late payment reporting accordingly. 
Despite prior disputes, the credit reporting agency and furnishers have failed to correct or delete inaccurate information, indicating a failure to perform a reasonable reinvestigation as required by federal law. 
I respectfully request that the CFPB require the credit reporting agency and involved furnishers to fully investigate these matters and ensure all inaccurate, incomplete, or unverifiable information is corrected or deleted immediately. 
Thank you for your assistance in enforcing compliance with consumer protection laws.

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 2025-12-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
I have not been notified by email or mail of this debt. I requested a validation of debt and I received a form requesting payment.

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 2025-12-25 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX Product : Credit Reporting Issue : Incorrect information / Failure to investigate Company : XXXX XXXX XXXXXXXX XXXX  Account XXXX : XXXX Amount : {$6300.00} COMPLAINT NARRATIVE I am submitting this complaint against XXXX XXXX XXXX XXXX for inaccurate credit reporting and failure to conduct a reasonable investigation under the Fair Credit Reporting Act. 

This account was disputed via USPS Certified Mail to Experian, Equifax, and TransUnion. 

Certified Mail Tracking Numbers : XXXX XXXX XXXX XXXX XXXX verified the account without providing documentation. Credit reports reflect conflicting dates, remarks, and delinquency timelines. 

XXXX XXXX failed to provide a complete payment history, proof of charge-off calculations, Date of First Delinquency, or contractual documentation. 

Under 15 U.S.C. 1681s-2 ( b ), this unverifiable account must be deleted.

I am requesting permanent deletion from all consumer reporting agencies.

LAWS ENFORCED : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681c ( a ) ( 4 ) 12 U.S.C. 5531, 5536

Company response to consumer: Closed with non-monetary relief