vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to make it absolutely clear that this is a legitimate complaint and not submitted in error. My credit report contains inaccurate information that fails to meet the legally mandated standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on both my financial stability and personal well-being.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This case is involved in a litigation!! I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists!

And it has violated these three consumer laws : 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b )

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. 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 non-monetary relief
Consumer complaint received 2025-07-08 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: MA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information that remains on my credit report, which the credit reporting agency has falsely verified. I previously disputed multiple accounts ( e.g., XXXX  XXXX : Acct # XXXXXXXX XXXX XXXX XXXX XXXX  ) as inaccurate and unverifiable. However, the credit reporting agency merely confirmed with the furnisher, without providing any documentation supporting the debtsuch as a signed contract or itemized billing statement as required by FCRA 611 ( a ) ( 7 ). Ive attached a copy of the credit report showing inconsistent data across all three bureaus, including differing date last active, credit limits, and comments related to dispute resolution. These inconsistencies suggest unreliable or incomplete recordkeeping, and further support the claim that the accounts were not properly verified. XXXX XXXX continued reporting this account despite failing to provide evidence upon request. Under FCRA 611 ( a ) ( 5 ), unverifiable or inaccurate information must be deleted. Their failure to do so violates my rights. I respectfully request the CFPB to initiate an investigation and require the credit reporting agency to : Remove the XXXX XXXXXXXX account # 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 Provide an explanation for how they verified the account without documentation ; Ensure full compliance with FCRA guidelines in future dispute resolution efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Synovus Bank
State: NJ

Complaint narrative:
UMMARY OF ISSUE : I am filing this complaint due to a series of unreasonable and harmful actions taken by First Progress ( Synovus Bank ) related to my secured credit card account. I mailed a cashiers check via certified mail to pay my balance well before the due date, and they still assessed late fees, renewal charges, and are now obstructing my ability to pay online or close the account properly. 

TIMELINE & DETAILS : Original Payment Attempt : I mailed a cashiers check from my verified bank account in the exact amount due ( {$170.00} ) prior to the payment deadline. The check was sent certified mail and shows as delivered on the First Progress website. Payment Rejected & Blocked Online : Despite delivering and cashing the payment, First Progress claimed it could not process payments via
the website or automated system due to a returned payment, which is false. This was a certified cashiers check, not an ACH or bounced check. 

Proof Provided : When I called, a rep requested proof. I emailed photos of the front and back of the cashiers check, the certified mail receipt, and a screenshot of my XXXX bank withdrawalclearly showing the money left my account and the check was valid. 

Late Fee & Renewal Fee Charged : Despite all of the above, they applied a {$27.00} late fee and an annual renewal feeon a secured card I no longer want, and after I explicitly told them the card was lost/stolen and I wished to close the account. 

Refusal to Close Account Properly : When I asked to close the account and report the card stolen, they attempted to send a new card and said fees would continue accruing until the balance is paid. They also refused to provide a confirmation number for my closure request and said Id receive an email within 710 dayswhich I have never received. 

SUPPORTING EVIDENCE : Certified Mail Receipt Photo of Cashiers Check Bank ACH Proof of Withdrawal Screenshot of " Payment Received '' from First Progress Portal Legally recorded customer service call ( transcript attached below ) CONSUMER HARM : Credit Impact : My credit score dropped due to reported delinquency and inflated balance. The balance is now listed as {$200.00}, even though I paid {$170.00} in full and the additional fees were improperly assessed.

Account Access Denied : I can no longer make payments online or use automated systems.

Unlawful Account Practices : I believe this violates the Fair Credit Billing Act, as well as Regulation Z regarding timely mailed payments and unjustified finance charges. 

Disregard of Consumer Rights : I was told no confirmation number could be issued for my account closure and no email confirmation has ever arrived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complainant Name : XXXX XXXX Date of Birth : [ XX/XX/XXXX ] Address : [ XXXX XXXX XXXX XXXX fl XXXX ] Credit Bureau Involved : Equifax Complaint Type : Credit Reporting Identity Information Inaccuracy Date of Incident : [ XX/XX/XXXX ] I am writing to file an official complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Equifax is reporting multiple inaccurate name variations on my credit file that are not legally mine and were never used or authorized by me. These name errors are misleading and damaging to my credit integrity and may result in improper account matching, identity confusion, and inaccurate scoring. 

My correct legal name is : XXXX XXXX. 

Any variation outside of this including [ list variations showing on report, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc. ] is inaccurate and must be removed immediately.

15 U.S.C. 1681e ( b ) : Credit Reporting Agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Reporting multiple unauthorized names violates this duty.

15 U.S.C. 1681i ( a ) : Upon receiving a dispute, Equifax must reinvestigate and correct inaccurate information within 30 days. I have requested this correction and have not received proper resolution.

15 U.S.C. 1681g ( a ) ( 1 ) : I have the right to receive all information in my credit file that is being reported about me. These names were never disclosed as valid identifiers by me.

Immediate deletion of all inaccurate and unauthorized name variations from my Equifax credit report.

Permanent update and display of my legal name only as : XXXX XXXX XXXX confirmation that the changes have been completed and my credit file is corrected. 

Please investigate and enforce Equifaxs compliance under federal law. I am prepared to escalate this matter legally if not resolved promptly. 

Sincerely, XXXX XXXX [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account was furnished original creditor XXXXXXXX XXXX charge account back in XXXX or XXXX. The account was updated by fingerhut to reflect XXXX balance and account opened in XX/XX/XXXX. The did update I disputed account. I did not give LVNV funding the permission to purchase my personal information nor report to my credit. this is violation of FCRA 15 USCODE 1681B. I contacted the attorney that had the case because this was a garnishment in TN, I was in TX. The attorney refunded all money and I received a letter to stop garnishments in XXXX. LVNV funding was removed from my report from XXXX and the company keeps adding name changes to their account to add it back to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I opened my XXXX account and found that a credit card was approved in my name. I called Chase XXXX and cancelled right away, I also let them know I would contact the credit bureau to have this removed from my credit. I also contacted XXXX and cancelled my prime account as there tends to be a lot of fraud coming from this establishment. All I want is all this to be removed from my credit report as a hard hit as fast as they put the hit on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I am submitting this complaint with full certainty and growing frustration. My credit report contains numerous errors that I can no longer ignore. These inaccuracies are severely impacting my credit score and standing in the way of my financial progress and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was XXXX  from XX/XX/XXXX until XX/XX/XXXX and there is around {$1500.00} worth of charges I did not authorize so I disputed them and they asked for proof that I was XXXX  so I did and they denied it! So I called and asked why and they sd they wld email me and they still havent so Im needing to figure out how to go about this situation. Here are the charges that were made and none of them are mine except the jailatm ones and here is proof I was XXXX  at the time. Thank you for your assistance in this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Credit Control, LLC
State: FL

Complaint narrative:
request a debt verification or validation of debt to credit control llc, i dont have any contract verbally or in writing with this company its a third party company violating my rights by 15 US . CODE 1692G ALSO 15 U.S.C 1681I ALSO 168 1 I B AND 1681B ( a 6 a 7 )

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 2025-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint because American Express has failed to release my funds after closing my account more than two weeks ago.

I was informed by American Express on XX/XX/year>, that my account had been closed. I immediately requested that the remaining balance be transferred to my linked external bank account or sent via check. As of XX/XX/year>, I have not received any of the funds, nor have I been given any clear explanation about the delay. 

I contacted American Express customer service on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. 
Each time, I was assured that the matter would be handled or escalated, but nothing has been resolved. 

It is unclear and highly concerning how American Express is legally allowed to withhold funds from a closed account for this long. I was not given any written confirmation of the closure, the amount held, or any timeline for the release of my money. 

This delay has caused me financial hardship and unnecessary stress, and I believe American Express is failing to meet its legal and ethical obligations. I am requesting immediate action by the CFPB to investigate this issue and compel American Express to release my funds without further delay.

Company response to consumer: Closed with explanation