vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a 0 % promotional financing on my value city credit card through Synchrony Bank. 
I missed The payoff deadline by XXXX month due to an oversight. 
i immediately contacted Synchrony and offer to pay the full promotional balance today XX/XX/year>, Synchrony refused to waive the deferred interest or allow a principal only payoff. 
I'm requesting a one time courtesy waiver of the deferred interest so i can pay the balance in full. thank you

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 2025-12-18 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: VA

Complaint narrative:
After reviewing my Equifax credit report, I have found discrepancies in the accounts, inquiries, and late payments reported. I am disputing these items and request an immediate investigation and correction. 

Charged Off Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint due to unlawful debt collection practices, failure to validate an alleged debt, deceptive representations, and the improper seizure or withholding of federal tax refund funds without notice or legal authority. 
Credit Collection Services ( CCS ) has engaged in deceptive and unlawful collection practices related to an alleged student loan debt that has never been proven to exist. 

Failure to Prove the XXXX CCS has never provided valid proof that I owe the alleged debt. 

The XXXX XXXX XXXX XXXX issued a written letter stating that no debt is owed, and it previously stopped an illegal collection attempt related to this same matter. 

The school itself has confirmed in writing that no money is owed. 

The only documents provided by CCS are forms from 1999, which are original documents showing a loan that was paid, not evidence of any outstanding or revived obligation. 

CCS has not provided any promissory note, agreement, or signed authorization showing that I agreed to any debt XXXX years ago or at any time thereafter. 

Threats of Illegal Collection Activity CCS stated they would garnish my wages and pursue collections simultaneously, despite having no validated debt. 

These threats were made without lawful authority, proper notice, or validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Deceptive and Misleading Practices CCS has misrepresented the existence, status, and legal enforceability of the alleged debt. 

They continued collection efforts after being informed that the debt was disputed and unsupported. 

This constitutes deceptive, unfair, and abusive acts or practices under federal consumer protection laws. 

Improper Seizure / Withholding of IRS Funds My IRS tax refund in the amount of approximately {$6000.00} has not been returned. 

I have received no written notice, explanation, or legal documentation stating : Why the funds were taken or withheld Who authorized the action Under what legal authority the action occurred No correspondence was sent before or after the funds were taken, which violates due process requirements and federal notice standards. 

At this time, the funds appear to have been taken or withheld without lawful notice, justification, or documentation. 
CCSs conduct appears to violate, but is not limited to : Fair Debt Collection Practices Act ( FDCPA ) Consumer Financial Protection Act ( CFPA ) Prohibitions against unfair, deceptive, or abusive acts or practices ( UDAAP ) Federal debt validation and due-process requirements IRS offset notice requirements ( where applicable )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MS SERVICES LLC
State: MS

Complaint narrative:
I received nothing from the collection agency. I was notified by my credit card that monitors my credit report that my credit score was down. 
I notified XXXX  and filed a complaint with them that I have written proof from XXXX XXXX XXXX XXXX XXXX that was sent a letter XX/XX/XXXX saying that the loan was paid in full. I also have the title. I purchased a XXXX XXXX XXXX XXXX XXXX which has been paid in full. XXXX  has sent me a e-mail saying the company said I do owe it but submitted no documentation. 
Ive contacted MS SERVICES LLC to try to get an explanation and documentation of this debt but I told I have to give them a credit card and pay a fee for them to get my credit report. I told them I was not going to pay them a fee to prove that I dont owe them anything. Obviously they already have my credit report because they reported it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
On or about XX/XX/25, XXXX Letter was sent to Equifax Credit Reporting Agency, concerning an alleged debt reported on my credit report. Under the FDCPA, I requested verification of the debt that they claim I owed, despite my numerous attempts via certified mail with no success. No validation or explanation was ever provided to me. Equifax never responded to my letters, and my credit report score is being affected, which is not allowing me to apply for credit. My credit score has dropped insignificantly, which is causing me XXXX  and affecting my XXXX. I am reaching out in efforts to obtain assistance and report this agency, as they have violated my rights under the FDCPA. Thank you for addressing this. I anticipate your response within the 30-day timeframe required by law. 

copies of the above can be provided if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint to formally dispute the accuracy and reporting of an auto loan account listed on my credit report under the above creditor. 
This auto loan is being reported inaccurately and/or without proper verification. Despite my attempts to resolve this matter directly with the creditor and/or credit reporting agencies, the account continues to appear with information that I believe violates the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XX/XX/year>, I disputed charges on my credit card for a moving company that failed to perform the services as agreed and produced unreliable documentation. I provided PNC Bank with extensive documentation showing that the move was not completed as scheduled, that billing was inconsistent with the services performed, and that the merchant produced paperwork with contradictory dates and timestamps. 

Despite receiving this documentation, PNC Bank relied on the merchants defective records, issued only a partial credit, and closed the dispute without explaining how the documented inconsistencies, lack of an itemized invoice, or post-created paperwork were evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am writing to dispute inaccurate and incomplete information on my credit report for the accounts listed below. These accounts are reported as charged-off, and I believe there are errors or discrepancies that require correction. Please review the following information for each bureau. 

CHARGED OFF ACCOUNTS XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6200.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off 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 XXXXXXXX XXXX XXXX XXXX} Inquiries : No inquiries reported in dispute for this bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off 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 Inquiries : No inquiries reported in dispute for this bureau. 

Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Theses companies are reporting incomplete ( no account numbers for the accounts listed below ) and inaccurate information as a COLLECTION ACCOUNT CAN'T BE A OPEN ACCOUNT. 
XXXXXXXX XXXXXX/XX/XXXX {$3400.00}, XXXXXXXX XXXXXX/XX/XXXX {$1900.00}, XXXX XX/XX/XXXX {$680.00}, XXXX XX/XX/XXXX {$590.00}, XXXX XX/XX/XXXX {$480.00}, XXXX XX/XX/XXXX {$460.00}, XXXX XX/XX/XXXX {$470.00}, XXXXXXXX XXXXXX/XX/XXXX {$430.00}, XXXX {$110.00}, the reporting creditor doesn't have a account number or contract between myself and them ... therefore im requesting these illegal, incomplete and inaccurate accounts be removed immediately and these accounts be VALIDATED

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding a loan account that is being reported and enforced fraudulently. This matter is currently in arbitration due to violations of the Truth in Lending Act TILA and applicable consumer protection laws. 

The creditor and associated parties are unable to validate the loan or produce a lawfully executed contract. I was never physically present at the dealership, nor did I sign the retail installment contract or any documents used to secure funding for this loan. 

Under FCRA Sections 611 and 623, the furnisher is required to report only accurate and verifiable information. Despite disputes, they continue reporting without providing competent evidence of authorization. Under UCC Sections 3 401 and 3 403, a party is not liable for an instrument unless they personally authorized or signed it. No such authorization exists. 

Because the creditor can not validate the debt or produce an executed contract, continued reporting and collection activity constitutes false representation, unfair practices, and inaccurate credit reporting. Reporting during arbitration further violates consumer protection standards. 

I am requesting that the CFPB require the creditor to : Cease reporting and collection immediately Remove the account and all associated history from my credit reports Provide proof of a valid executed contract or close the account permanently This account is materially inaccurate, unverified, and legally unenforceable.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding a loan account that is being reported and enforced fraudulently. This matter is currently in arbitration due to violations of the Truth in Lending Act TILA and applicable consumer protection laws. 

The creditor and associated parties are unable to validate the loan or produce a lawfully executed contract. I was never physically present at the dealership, nor did I sign the retail installment contract or any documents used to secure funding for this loan. 

Under FCRA Sections 611 and 623, the furnisher is required to report only accurate and verifiable information. Despite disputes, they continue reporting without providing competent evidence of authorization. Under UCC Sections 3 401 and 3 403, a party is not liable for an instrument unless they personally authorized or signed it. No such authorization exists. 

Because the creditor can not validate the debt or produce an executed contract, continued reporting and collection activity constitutes false representation, unfair practices, and inaccurate credit reporting. Reporting during arbitration further violates consumer protection standards. 

I am requesting that the CFPB require the creditor to : Cease reporting and collection immediately Remove the account and all associated history from my credit reports Provide proof of a valid executed contract or close the account permanently This account is materially inaccurate, unverified, and legally unenforceable.

Company response to consumer: Closed with explanation