vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-29 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Charge appeared on my Chase credit card XX/XX/2025 for {$32.00}. I didnt recognize the description or name. Said I didnt want, authorize or use the purported service. Discovered it was a third party charge thru apple. Called XXXX to convey the same information. They took two says, got back to me & refused to refund the money. XXXX alleges I bought & used the service. I did not! I dont even know what the service is. XXXX acts on behalf of the charging 3rd party. I still dont know who or what the 3rd party is or what the do. Seems unfair to me. 
Got a letter from Chase agreeing with XXXX that I bought & used the service. I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unautnorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems regarding an alleged debt they claim I owe. I have sent them a formal debt validation request dated XX/XX/year> under the FDCPA ( 15 U.S.C. 1692g ) requesting the following : Name of original creditor Complete itemization of the debt Copy of the original contract Legal authority to collect in my state Chain of assignment They have failed to provide any of the required documentation and continue to report this unverifiable debt to credit bureaus. This is a clear violation of the FDCPA and FCRA.

I request the CFPB take action and direct the company to provide full documentation or cease all collection and credit reporting activity. Attached is my validation letter and proof of mailing.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am writing to formally report a case of identity theft and its ongoing impact on my credit history and financial well-being. 

In XXXX, I applied for a XXXX XXXX credit card but I didn't receive a physical card. However, in XX/XX/XXXX, I unexpectedly received an email stating that I had an outstanding debt associated with a XXXX XXXX account. I immediately contacted XXXX XXXX, and during our investigation, we discovered that the account had been fraudulently opened in my name. The bank confirmed it was a case of identity theft, closed the fraudulent account, and issued me a new legitimate credit card. 

While reviewing my XXXX XXXX account, I discovered that additional fraudulent accounts had also been opened under my name with other institutions, including XXXX and XXXX. These accounts accumulated unpaid debts, which severely impacted my credit score. I am actively working to close all unauthorized accounts and resolve the fraudulent activity. At this time, the only credit card I am using is the one issued by XXXX XXXX, and I have consistently made all payments on time. 

Despite my efforts, the damage caused by the fraudulent accounts continues to affect my credit score. As a result, I am facing challenges with basic financial necessities such as securing a rental apartment.

I am respectfully requesting the CFPB 's assistance in resolving this matter. Any guidance or support you can provide to help me clear the fraudulent records from my credit report and restore my credit standing would be greatly appreciated.

Thank you for your time and attention to this matter.

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 2025-05-29 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unautnorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-29 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unautnorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Robinson & Hoover
State: OK

Complaint narrative:
had loan with my credit union, lost job, loan defaulted and charged off, was told they would work with me, they did not they sent to attorney firm acting as collection agency, who filed for auto judgement, did not send me letter, i was served papers, i called them they refused to work with me, hung up on me twice, refused my payment offer of XXXX a month then filed judgement on me on XX/XX/2025 without letting me know the court date. Now i am going to be garnished they never responded to any messages i left, the emails i sent on dates in XXXX and XXXX, when i was trying to resolve to prevent the judgement. They act as a debt collector, but do not help anyone resolve the debt. they go for auto judgements. 
i am a debt collector so when they were not helping me, i was astonished, i never denied the debt, i tried to resolve, however they were not willing to cooperate with me reasonably. i actually have never been treated so poorly on the phone by anyone even customer service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I have disputed this directly with the creditor and the furnisher but the late payments remain on my credit report with proper validation and documentation. The credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting Sincerely, 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 2025-05-29 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: FL

Complaint narrative:
I have contacted Equifax three times providing valid authentication that is within their guidelines ( Please see attachment ) Identification XXXX is my social security number card Identification XXXX is my state driver license which is updated real ID. 

I spoke to a representative and was told I'd have to resubmit the whole entire dispute again which is evidently showing my dispute was not carefully viewed. 

Please see below for dispute letter mailed : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/year> Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to follow up on a recent dispute I filed regarding inaccurate information in my credit report. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to request a description of the procedure used to determine the accuracy and completeness of the disputed information. The accounts below continue to report errors after said verification. Please Provide proof of any/ all evidence that was conducted during investigation to ensure maximum accuracy of reporting on my credit report or immediately delete all items in question below because all information is unverifiable. 



Collection Agency : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Collection Agency : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply within 30 days will result in formal complaints with the CFPB, FTC and legal action for damages under 15 U.S.C. 1681n,15 U.S.C . 1681i ( a ) ( 5 ) and 1681o. 



Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-28 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: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-29 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: CA

Complaint narrative:
This complaint serves as my final formal notice concerning the inaccurate late payment listed on my credit report and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple prior disputes, you continue to report these negative items without providing any supporting documentation. A generic verified response does not meet your obligation under FCRA 1681i to conduct a reasonable reinvestigation.

You are also in violation of FCRA 1681e ( b ), which requires you to ensure maximum possible accuracy. Your failure to remove unverified data and refusal to provide original evidence constitutes willful noncompliance.

You have 30 days from the date of this letter to provide : Original, complete documentation from the creditor validating the alleged late payment ; A full description of your reinvestigation, including sources used ; Immediate deletion of the disputed items if not substantiated with original evidence.

This issue aligns with recent enforcement actions by the CFPB, including the XX/XX/year> lawsuit against TransUnion for similar violations. Your conduct mirrors those cited failings and strengthens my legal position. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MA

Complaint narrative:
I am writing today reaching out about my premier credit card account number ending in XXXX. I was in the hospital since XX/XX/year> I knew the last payment made was XX/XX/XXXX my next bill wasnt due until XX/XX/year>. I just got out of the hospital by the grace of God and have not passed on yet as of XX/XX/year> this month. I no sooner returned home and received a phone call from a representative from your company informing me that my account was past due & needed to be paid in the amount of XXXX XXXX I honestly explained to the agent my ill health apologized for the late payment and paid the balance in full. The very next morning I received an alert from my credit monitoring team that my account was reported as delinquent as of the XXXX of XX/XX/year>. I called back to try to resolve the issue and understand why if my account was due XX/XX/XXXX and the balance was paid in full when they called the first and only time I was called to be told I was late and was already reported the XXXX when I shouldnt have been reported unless I was delinquent as of the very last day of this month XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I really appreciate the opportunity to have this account but this has had an excessive negative impact on my credit report and I am asking you to please resolve this for me as soon as possible as I do believe this was inaccurately reported as late & am XXXX now immensely because of this. Attached is proof of payment. Please respond 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/2025, I received an email from SoFi stating that my account was temporarily restricted due to 'irregular activity. ' I contacted their XXXX XXXX XXXX multiple times and was informed that my account closure was permanent, without any explanation. I have a direct deposit scheduled for XX/XX/2025, and SoFi has not provided information on whether the deposit will be returned or held. I am seeking a detailed explanation for the account closure and information on the handling of my pending deposit. I urgently need my check to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief