vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: SC

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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson capital did not send a debt validation letter requested upon receipt of the letter in the mail, I have sent certified letters and requested upon phones calls that I do not owe them this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive been locked out of my TransUnion credit monitoring account for weeks. When I try to log in, the system claims it is sending a verification code to my phone or email, but no code is received. This has continued despite multiple attempts and device resets. I called TransUnion and was told the issue is caused by duplicate information in their system, and that it has been escalated under Case # XXXX. I have received no follow-up or resolution. 

This issue has completely prevented me from reviewing my credit file or submitting any disputes online, which is the primary method consumers use to ensure timely resolution and monitoring. 

Although I understand that TransUnion might argue that I can submit requests or disputes via mail or phone, that is not a reasonable alternative in this case. I am actively trying to monitor and correct my credit in connection with an urgent housing matter, and access delays are causing real harm. 

Further, TransUnion offers paid online credit monitoring and dispute services and heavily promotes this platform for consumer use. It is unacceptable to deny access while still holding and potentially using my data. TransUnion has failed to provide meaningful access under 15 U.S.C. 1681g and is interfering with my ability to correct errors under 1681i.

This situation is unacceptable, as it is actively preventing me from disputing inaccurate information and reviewing my current credit reportboth of which are my rights under the Fair Credit Reporting Act ( FCRA ). I am concerned that this delay may cause further harm, especially as Im currently pursuing mortgage-related matters and need timely access to my report.

I believe TransUnion is violating the following sections of the Fair Credit Reporting Act ( FCRA ) : -15 U.S.C. 1681g ( a ) Failing to provide access to my complete consumer file upon request.

-15 U.S.C. 1681i ( a ) Preventing me from initiating or submitting disputes by denying account access.

-15 U.S.C. 1681e ( b ) Maintaining duplicate/conflicting data in a way that blocks identity verification, which reflects failure to maintain reasonable procedures for maximum possible accuracy.

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 2025-07-10 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
IT SEEMS THERE IS A PAY PAL PURCHASE FOR {$200.00} SHOWING THE PURCAHSE DATE TO BE XX/XX/year> SO THERE IS SUPPOSE TO BE A MERCHANT NAME YET THE TRANSACTION ONLY SAYS PAY PAL PURCHASE MAKING ME {$600.00} OVER DRAWN, SO I WAS ALREADY {$300.00} OVER DRAWN AND HAVE BEEN FOR A FEW WEEKS, SO HOW DOES ONE BEING OVER DRAWN HAVE A PURCHASE ALLOWED BY SYNCHRONY BANK? THAT PURCHASE ON XXXX SHOULD HAVE BEEN DECLINED, ANOTHER THING THAT MAKES XXXX PURCHASES FOR {$200.00} IN ABOUT XXXX XXXX  THAT SAY " PAY PAL PURCHASE '', MEANING SYNCHRONY BANK IS NOT TELLING ME WHO THE MERCHANT IS. THIS IS STRAIGHT OUT BULLING, AND FRAUDULENT. HOW CAN PEOPLE SAY THEY ARE STANDING UP TO ME AND FOR WHAT EVER REASONS THEY HAVE ; THIS IS CROOKED IN THE WORST OF WAYS TO STAMPLE ON SOMEONE, WHO ALREADY HAS TORN UP TRAGGIC LIFE AND A BIG FINANCIAL CRISIS, DUE TO PEOPLES NOT TRUSTING ME AND ACCUSING ME. SO IT IS NOT LEGAL TO LIE ABOUT XXXX TRANSACTIONS THAT DID NOT HAPPEN I SUBMITTED PROOF OF HOW RICH I AM NOT AND WHAT IS WORNG WITH THESE LOOK AT HOW MY FICO SCORE DROPPER IN THE PAST YEAR BY XXXX XXXX XXXX RECORD. THAT IS XXXX XXXX  XXXX, THE XXXX CREDIT BUREAUS ARE MUCH LOWER. I HAD A XXXX FICO SCORE 12 MONTHS AGO AND CARRIED IT FOR XXXX YEARS, HOW CAN A PERSON WHO CARRIED A XXXX FICO SCORE FOR XXXX YEARS TURN TO THIS MISS OF A LIFE, BY BULLING AND VIGLANTENISM FORM BEING AN UNPOPULAR PERSON LEAVING WITH A VERY XXXX XXXX XXXX XXXX XXXX XXXX SO BECAUSE IF BEING XXXX I AM LATE FOR XXXX CREDIT CARDS XXXX THEM PAY PAL CREDIT AND PAY PAL MASTER CARD WORLDS CASH BACK AND XXXX XXXX XXXX XXXX CREDIT CARD AND I HAVE A BROKEN DOWN CAR OUT FRONT WITH THE XXXX STATUS OF NON OPERATIVE BECAUSE I CAN NOT FIND A WAY TO DRAW INCOME, FROM BULINGS LIKE THIS SERVICE I AM COMPLAING ABOUT, I HAVE WRITTEN ABOUT THE FRAUDULENT TRANSACTION ON MY TRANSACTION PAY, BUT KNOW SUCCESS BECAUSE OF DISHONEST VIGILANTES.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I currently have a CareCredit credit card which is used for medical purposes. Both my husband and myself are both on XXXX XXXXXXXX and our daughter is a in XXXX XXXX XXXX 
Ive just had almost {$7000.00} of XXXX XXXX done and my daughter just had {$2000.00} worth of XXXX XXXX done. Not cosmetic. 
Ive been using CareCredit and never had an issue in the 12 years that I have the card. We can not afford dental insurance. My husband just got out of the hospital and we have been put on payment plans to pay off those debts. XXXX going to give you an example of what they just told me. Example : I have a balance due of {$5000.00} which was billed in XX/XX/XXXX and due XX/XX/XXXX. If I pay {$2500.00} of the {$5000.00} they advised they will back charge me 32.99 % interest back on the {$5000.00} even though I paid off {$2500.00} dollars of this balance. This is insane. I understand they would start charging interest of the portion not paid on time. Please this is insane 32.99 %. I am praying that things things change with the new administration because this is unbearable and totally outrageous. I am hoping that you could help me regarding this matter. I understand I agreed to the finance charge, but I didnt know that they would charge me back on monies that have been already paid. Your help in this matter would be greatly appreciated. Thank you very much for your time. 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: TRUEBILL, INC
State: IN

Complaint narrative:
In XX/XX/2025, I used Rocket Moneys bill negotiation service for my XXXX account. During the setup process, I was asked to authorize a payment through XXXX XXXX. I was not shown the amount I would be charged. The only explanation was that a fee might apply if savings were found. I assumed I would be able to review and approve the amount before any charge was made. 

Later, Rocket Money claimed they saved me money by preventing a price increase. My bill had not changed, but they calculated a savings and charged me XXXX percent of that. I was never told this amount in advance. I never gave informed consent for the specific charge. 

When I tried to cancel my account, they refused. They said I could not close the account because of the pending balance. This effectively forced me to stay unless I paid for a service I did not benefit from. 

Their billing process was unclear and misleading. I want the charge canceled and my account closed without penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
CKS PRIME IN is falsely reporting on my credit. I have never had any accounts with them. Per my research CKS PRIME IN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
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 non-monetary relief
Consumer complaint received 2025-07-10 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} INQUIRIES : XXXX  Date : XX/XX/XXXX EQUIFAXXXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
During a recent phone call with representatives from IQ Data XXXX XXXX XXXX, I was subjected to extremely unprofessional and harassing behavior. I initially contacted them to explain that my former apartment complex had sent my bill to collections without notifying me, despite my repeated attempts to communicate with the apartment. I was seeking information about whether the apartment could retract the debt or what legal options I might have. 

The first representative I spoke with was unhelpful and sent me an email that appeared to be in XXXX, which I found confusing and unprofessional. The supervisor I spoke with then kept telling me that it's not his fault I can't read XXXX. The email was sent from employee XXXX XXXX which could be the name of the supervisor who was verbally harassing me. 

After being transferred multiple times, I spoke with a supervisor who was verbally abusive and demeaning. This individual told me I simply needed to pay the debt and that seeking other options was a waste of time. He mocked me for not knowing the spelling of a city three hours from my location, implying that I was unintelligent. He also stated that he hoped the debt would be reported on my credit, which felt threatening and malicious. 

The supervisors tone was rude and XXXX  throughout the call. The entire interaction caused me significant XXXX XXXX  and made me physically ill. 

I was informed that the call was recorded, so these statements should be verifiable. 

This behavior violates the Fair Debt Collection Practices Act, which prohibits harassment, threats, and abusive conduct by debt collectors.

I am requesting that this harassment be investigated and that appropriate action be taken against the responsible individuals and IQ Data XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found XXXX new inquiries given by an alert on XXXX that were unknown to me. One from XXXX back and the other from XXXX XXXX. Both inquiries were added to Experian. I never made and application with any of these companies, so I called XXXX first to report it before being transferred to their fraud department. After discussing the situation, I went ahead and set up fraud alerts on my credit reports as well as freezing them.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Debt Ratio and revolving Utilization is not right on my amount of open debt. As of XX/XX/17 my open balance is XXXX which means my percentage is 20 % I really need my credit report to be corrected ASAP. I have tried so hard to get my creditworthiness in good standings. I don't know why Experian neglected to update my credit card statement billing date of XX/XX/17. Now it's class to the next months billing cut off date. I really have been hurt by this untimely behavior.

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 2025-07-10 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: AL

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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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