vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: FL

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!

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 2025-08-11 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: MO

Complaint narrative:
This is a follow-up to my prior CFPB complaint ( # XXXX ). Since filing, XXXX XXXX XXXX called me directly. During the call, they stated that XXXX XXXX illegally disposed of my vehicle in XX/XX/year> and removed XXXX as the lienholder without proper notice to either of us. XXXX admitted the disposal was illegal but said they decided not to pursue legal action against XXXX because it would cost more than the car was worth. 
Despite acknowledging the illegal disposal, XXXX is still holding me responsible for the remaining loan balance and has continued reporting the debt to credit bureaus, causing severe damage to my credit. I was never given the opportunity to recover my personal belongings from the car or receive any proceeds from the sale or disposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MO

Complaint narrative:
This is a follow-up to my prior CFPB complaint ( # XXXX ). Since filing, XXXX XXXX XXXX called me directly. During the call, they stated that XXXX XXXX illegally disposed of my vehicle in XX/XX/year> and removed XXXX as the lienholder without proper notice to either of us. XXXX admitted the disposal was illegal but said they decided not to pursue legal action against XXXX because it would cost more than the car was worth. 
Despite acknowledging the illegal disposal, XXXX is still holding me responsible for the remaining loan balance and has continued reporting the debt to credit bureaus, causing severe damage to my credit. I was never given the opportunity to recover my personal belongings from the car or receive any proceeds from the sale or disposal.

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 2025-08-11 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-08-11 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-11 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was looking for open new credit card account with Capital One because they were providing offer on new credit card. I used their system which tells customers if they are pre-approved for that credit card or not without hard credit inquiry. I was approved so moved forward with application process and completed all steps. Capital One processed my account and shipped credit card to my address. Capital one blocked my account even before I received credit card ( within XXXX days of opening account ). I contacted their customer service and they asked me to upload my documents. I uploaded my documents and then they said that I am in queue for verification and their no specific time for it. I have to wait until it is reinstated so I can use it. 
They posted hard inquiry on my credit file and I cant use their credit card which they pre-approved me for. 
They are wasting time in this so I wont get sufficient time to fulfill offer requirements. 
I asked them to either reinstate my account or remove credit inquiry and close account but I did not receive any support from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Denefits LLC
State: NY

Complaint narrative:
Subject : Formal Complaint FDCPA & FCRA Violations by Denefits LLC / XXXX XXXXXXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, D.C. XXXX Date : Monday, XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX -- - Complaint Summary : I am filing this complaint against Denefits LLC ( XXXX XXXX XXXX ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I received a collection notice from XXXX XXXX, Recovery Collection Officer at Denefits LLC, regarding an alleged debt of {$550.00}. The notice stated the debt was overdue for 3 years and 314 days and threatened legal action and recovery fees if payment was not made.

Violations : 1. Failure to Provide Debt Validation ( FDCPA 15 U.S.C. 1692g ) : They have not provided proof of the debt, an itemized accounting, or evidence of their legal right to collect.

Threatening legal action without validation is unlawful.

2. False or Misleading Threats ( FDCPA 15 U.S.C. 1692e ) : Threatening unspecified legal action and additional recovery fees without lawful authority constitutes misleading and deceptive practices.

3. Unlawful Credit Reporting ( FCRA 15 U.S.C. 1681s-2 ) : If this alleged debt has been reported to any credit bureau without validation, it is an inaccurate and unlawful furnishing of information under the FCRA.

I have demanded that they immediately remove any negative credit reporting unless they validate the debt.

Requested Action by CFPB : Investigate Denefits LLC / XXXX XXXX XXXX for these violations. 

Require them to provide full written validation of the alleged debt.

Order the immediate removal of any negative credit reporting related to this alleged debt.

Impose penalties for noncompliance with federal law.

Evidence Attached : Copy of the collection notice received from Denefits LLC.

Copy of my formal Cease & Desist and Debt Validation request letter sent to them.

Proof of mailing ( certified mail receipt ) for the above letter. 



Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weber & Olcese, PLC
State: GA

Complaint narrative:
In late XX/XX/year>, I contacted the company multiple times and was assigned an agent. I was provided their direct line, and I called numerous times. Calls were either not returned, the voicemail was full, or the agent answered and stated they would reduce my debt from {$1300.00} to {$980.00}. 

I requested this agreement in writing. I was then prompted to create an online account, which I did, but the account never reflected the agreed-upon reduced balance. 

On XX/XX/year>, I received a letter from attorney XXXX XXXX ( XXXX ) confirming the reduced settlement amount. On XX/XX/year>, I replied to XXXX by email stating that my account portal still showed the original balance and requested it be updated to reflect the settlement amount. I received no reply. 

That same day, I called my assigned agent, explained the situation, and was told the portal amount would be fixed. This was never done. 

To date, my account ( Account XXXX. XXXX ) still does not reflect the agreed-upon settlement amount, and I have not received further communication from the company despite multiple attempts. 

I am requesting that the CFPB assist in ensuring the company honors the written settlement agreement and updates my account balance accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Help for me as I'm XXXX  XXXX and my XXXX Money has been stolen. {$170.00} and they all do the same thing, laugh at me and tell me its my problem not theirs. 
Thank you Please Help me 15 U.S. Code 1666b - Timing of payments ( 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.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
This letter is a formal complaint regarding your handling of the above-referenced account. I previously disputed the validity of this debt under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Following my dispute, the tradeline in question was removed from my credit reports. 

Subsequently, you provided me with an itemized statement after the tradeline had already been removed. Despite this, you then re-inserted the tradeline into my credit file. This action raises the following compliance concerns : 1. FCRA 611 ( a ) ( 5 ) ( B ) When a deleted tradeline is reinserted, you must certify the accuracy of the information to the credit reporting agency and notify me in writing within 5 business days of reinsertion. I did not receive such notice.

2. FCRA 623 ( a ) ( 3 ) You are prohibited from furnishing information to credit bureaus that you know is inaccurate or failing to note that the debt remains disputed.

3. FDCPA 807 ( 8 ) It is a violation to communicate credit information known to be disputed without disclosure of the dispute. 

Your actions appear to constitute violations of federal law. I hereby demand that you : Immediately delete this tradeline from all credit reporting agencies to which you have furnished it. 
Cease and desist from any further reporting of this account unless and until full validation of the debt is provided in accordance with 15 U.S.C. 1692g.

Provide me with written confirmation within 10 business days that the tradeline has been permanently deleted.

Failure to comply will leave me no choice but to file formal complaints with the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also consider seeking legal remedies for your continued noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-11 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally file a complaint against Chime Bank regarding fraudulent MyPay transactions that happened on my account. I was called by someone impersonating Chime fraud department and that is how the funds got taken. I immediately contacted Chime to file a dispute which was denied. When I called to find out why, a supervisor hung up on me. I have been met with refusals and inadequate support. The bank 's fraud team has explicitly stated they can not assist me in recovering my funds, which is unacceptable under consumer protection laws and their own zero-liability policies. There were XXXX transactions. XXXX for {$890.00} and the other for {$860.00} and both transactions are date XX/XX/year>. 

I request the CFPB 's assistance in holding Chime accountable for their failure to provide proper fraud resolution services and to facilitate the recovery of my lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
sent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion ( Hard Inquiries on credit Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have provided documentation that I was in a mortgage forbearance and that No payments were due and for XXXX, XXXX, and XXXX proof that the payments were drafted from my account and was never XXXX, or more late. However the credit report agency continued to report my account as over 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I have provided documentation that I was in a mortgage forbearance and that No payments were due and for XXXX, XXXX, and XXXX proof that the payments were drafted from my account and was never XXXX, or more late. However the credit report agency continued to report my account as over 120 days late.

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