vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
Dear Experian, XXXX XXXX, XXXX, Family attorney on behalf of XXXX XXXX This le

tter serves as an official dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, regarding several fraudulent accounts reporting under my name. These accounts were opened without my knowledge or consent and are the direct result of identity theft. There is an active fraud alert on my credit file, which should have prevented unauthorized accounts, yet these fraudulent entries remain. Your continued reporting of this inaccurate information is a violation of the FCRA, specifically : FCRA 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum accuracy FCRA 1681i : Failure to conduct a proper reinvestigation FCRA 1681c-2 : Obligations relating to identity theft and blocking fraudulent information I am demanding immediate action to bring my credit file into compliance with federal law.FRAUDULENT ACCOUNTS TO BE REMOVED IMMEDIATELY XXXX. XXXX XXXX Opened : XX/XX/XXXX I did not open or authorize this account. It is fraudulent and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX I have no debt owed to the State of Maryland. This is identity theft and must be removed. 
XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX I have never had an account with this company. This is a fraudulent collection entry. 
XXXX. XXXX XXXX XXXX ( Charged-Off Account ) Opened : XX/XX/XXXX I have never opened or financed any account with XXXX XXXX Services. 
This is not my debt and must be removed immediately from my file.

FCRA LEGAL BASIS FOR REMOVAL Under the FCRA, I am asserting the following rights : FCRA 611 ( 15 U.S.C. 1681i ) : Reinvestigation of Disputed Information You are legally obligated to conduct a reasonable reinvestigation within 30 days and delete any information that is inaccurate, unverifiable, or the result of identity theft.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Blocking of Information Resulting From Identity Theft Upon notice of identity theft, a consumer reporting agency must block the fraudulent information from the report within 4 business days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) You must maintain procedures to assure maximum accuracy. Continued reporting of fraudulent information violates this requirement.

Failure to comply may result in complaints filed with the CFPB, FTC, State Attorney General, and may expose your agency to civil liability under FCRA 616 and 617.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Experian, XXXX XXXX, XXXX, Family attorney on behalf of XXXX XXXX This le

tter serves as an official dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, regarding several fraudulent accounts reporting under my name. These accounts were opened without my knowledge or consent and are the direct result of identity theft. There is an active fraud alert on my credit file, which should have prevented unauthorized accounts, yet these fraudulent entries remain. Your continued reporting of this inaccurate information is a violation of the FCRA, specifically : FCRA 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum accuracy FCRA 1681i : Failure to conduct a proper reinvestigation FCRA 1681c-2 : Obligations relating to identity theft and blocking fraudulent information I am demanding immediate action to bring my credit file into compliance with federal law.FRAUDULENT ACCOUNTS TO BE REMOVED IMMEDIATELY XXXX. XXXX XXXX Opened : XX/XX/XXXX I did not open or authorize this account. It is fraudulent and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX I have no debt owed to the State of Maryland. This is identity theft and must be removed. 
XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX I have never had an account with this company. This is a fraudulent collection entry. 
XXXX. XXXX XXXX XXXX ( Charged-Off Account ) Opened : XX/XX/XXXX I have never opened or financed any account with XXXX XXXX Services. 
This is not my debt and must be removed immediately from my file.

FCRA LEGAL BASIS FOR REMOVAL Under the FCRA, I am asserting the following rights : FCRA 611 ( 15 U.S.C. 1681i ) : Reinvestigation of Disputed Information You are legally obligated to conduct a reasonable reinvestigation within 30 days and delete any information that is inaccurate, unverifiable, or the result of identity theft.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Blocking of Information Resulting From Identity Theft Upon notice of identity theft, a consumer reporting agency must block the fraudulent information from the report within 4 business days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) You must maintain procedures to assure maximum accuracy. Continued reporting of fraudulent information violates this requirement.

Failure to comply may result in complaints filed with the CFPB, FTC, State Attorney General, and may expose your agency to civil liability under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management is reporting a {$160.00} collection for XXXX ( Acct # XXXX ). I disputed this over 60 days ago, and Credence did not provide any of the legally required validation. They mailed a simple statement, which does not satisfy FDCPA 1692g ( b ). 
Credence failed to provide : The original XXXX agreement The full billing history Any record of charges or fees added Proof of assignment / ownership DOFD documentation XXXX supporting data XXXX  is violating FCRA 1681e ( b ) and 1681i ( a ) by continuing to publish this collection without confirming its accuracy, and 1681s-2 ( b ) because Credence did not verify the account after the dispute. 
Without the contract, ledger, DOFD, and proof Credence legally owns the debt, the account is unverified and can not be furnished to XXXX  under federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
This letter is a formal legal notice under the authority of the Gramm-Leach-Bliley Act ( GLBA, 15U.S. Code 68016827 ) and related federal privacy statutes.

I am demanding the immediate deletion and permanent suppression of all nonpublic personal information ( NPI ) collected, maintained, transmitted, or shared by your agency concerning my consumer profile. Your continued retention or sharing of such data without direct notice, informed consent, or clear opt-out options constitutes a direct violation of : - GLBA 6802 Disclosure of nonpublic personal information without proper notice and opt-out opportunity - GLBA 6803 Failure to provide consumer-facing privacy notice and terms - GLBA 68216827 Failure to ensure confidentiality and security of NPI Additionally, your agency has been contributing to derogatory banking, subprime, or alternative consumer databases used to make adverse decisions about my financial eligibility, without giving me proper opportunity to view, dispute, or opt out of such data collection.

Iam demanding : 1.Immediate deletion and suppression of all data associated with my name, SSN, address, or any identifying information ; 2.Revocationofany previous or assumed authorization to collect or distribute my data ; 3.Written confirmation that your agency has permanently removed all data associated with me from both internal and external reporting systems ( including XXXX XXXX XXXX, LexisNexis, XXXX, XXXX, XXXX, and others ) ; 4.Cessation of all data re-reporting, sharing, or reinsertion across affiliate or partner systems. 
If this matter isn ot resolved within 15 business days, I will initiate formal complaints with : -TheConsumerFinancial XXXXrotection Bureau ( CFPB ) -The FederalTrade Commission ( FTC ) -MyStateAttorney Generals Office -And pursue additional legal remedies under federal privacy laws. 
This is your final opportunity to remedy this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Closed my credit card account that I had for a long time with them without my authorization/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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
Im filing a complaint because Discover made a written settlement offer to waive {$400.00} in fees if I paid {$680.00} by XX/XX/2025. I accepted and paid {$680.00} on XX/XX/XXXX, which was applied along with several credits to bring my account current. However, on XX/XX/XXXX, Discover reversed my payment and reinstated the fees and interest, claiming my bank returned the paymentsomething my bank denies. Discover now refuses to honor the agreement unless I pay again. I have all written evidence and request that Discover reinstate my payment, honor the agreement, and correct any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MD

Complaint narrative:
I have tried ordering my cars multiple times. I'm made to wait XXXX  days between each request. I get texts and emails that a card is ordered. I get an error message every time I try to order or report my card. I call and chat with support each time. They ensure me my card is on the way, even though the app says there is an error. I'm getting XXXX lines of different information. I requested my account to be closed now. Then I'm told there are XXXX accounts linked to my Social Security number. XXXX closed and XXXX open. I ask to report fraud or the possibility of. Still no resolution. I'm not allowed to close the accounts because m have money in the accounts which I'm unable to withdraw. I don't feel safe or represented by this service I pay to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting and verifying an account using XXXX different consumer identities ( see attached Exhibit A and Exhibit B ). XXXX letter has the correct name/address, while another letter has the wrong name and an address I have never lived at. 



This violates : FCRA 607 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 5 ) FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 5 ) FDCPA 807 ( 14 ) Additionally : XXXX XXXX is furnishing information ONLY to Experian and XXXX  NOT XXXX. 


This is inconsistent and proves the account is unverifiable. 



Experian is reporting re-aged payment history : XXXX negative months New delinquency after charge-off Past due balance after charge-off Balance updated XX/XX/year> This is illegal under : FCRA 623 ( a ) ( 2 ) FCRA 623 ( a ) ( 5 ) FCRA 607 ( 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 2025-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I want to share my recent experience regarding my loan. In XXXX, I was diagnosed with XXXX and underwent XXXX. As I am XXXX I missed some work, which led to falling behind on my payments. My previous servicer, XXXX XXXX XXXX, kindly reassured me that everything was manageable since I was a Veteran and qualified for the XXXX program. We completed the necessary process, and I was able to make my trial payments along with regular payments for XXXX months. 

However, in XX/XX/XXXX, I was informed that my loan had been transferred to PHH. Since then, I have received a call demanding the full balance of {$42000.00}, including late fees, and was told that they could only accept full payment. I have been trying to explain that my loan was modified under the XXXX program with my previous servicer. I have provided them with all relevant documentation, including recorded loan modification documents from both my previous servicer and myself, which were submitted on XX/XX/XXXX. Despite this, I am still awaiting clarification. 

Unfortunately, my interactions with the representatives have been challenging. I have experienced unprofessional behavior, including being mocked, spoken to disrespectfully, and even hung up on. I have requested to speak with supervisors or managers multiple times, but I have not received any callback or resolution. One particular representative has been extremely rude, and shows no compassion.I am currently unsure of what further steps I can take, as the communication has been quite unhelpful, and I have been receiving the same discourteous responses each time I call. My main goal is to achieve clarity and transparency regarding my situation. Unfortunately, I have not felt that I have been provided with the level of service or support I expect since the beginning of this process. Thank you for your time and consideration, I look forward to your response.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Synerprise is reporting a {$830.00} collection related to XXXX XXXX XXXX, but they have not validated the debt even after more than 60 days since my dispute. They sent no contract, no billing ledger, and no proof they even have the legal right to collect this debt.

Synerprise failed to provide : The original medical billing contract/consent forms A full breakdown of charges ( XXXX  codes, dates of service ) Proof USAP transferred or assigned the account HIPAA-compliant validation documents DOFD documentation XXXX verification Under FDCPA 1692g ( b ), Synerprise can not report or collect without real validation.

The credit bureaus are also in violation of FCRA 1681e ( b ) and 1681i ( a ) by continuing to report an unverified medical collection.

Medical collections must follow HIPAA privacy and verification standards, which Synerprise has also failed to meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
They have never did a proper investigation because if they had they will see that the things on my credit report are very inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX transfer through XXXX. The agent made a mistake in the transaction. They admit it was their error, but neither XXXX nor XXXX wants to help me. XXXX says it's under investigation, that they don't guarantee a refund, and that I'll get a response after XXXX business days. XXXX keeps sending me to XXXX, and XXXX keeps sending me back to XXXX. They respond with no empathy, no one can resolve anything, and they don't guarantee a refund, even though they themselves acknowledge that the money is with XXXX XXXX XXXX due to the XXXX agent 's error. The money transfer was urgent ; my car depended on that payment to avoid being auctioned off, and no one is helping me resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I had my direct deposit set up to where a certain amount goes into an account I have with Current. I received the other half that goes into my other account but Current is saying they dont have my deposit. I asked my employer about the funds and they said they have released funds and I checked my information to make sure my accounting and routing numbers were correct and they were. Its already hard out here but for money to just be getting lost is insane. I've called them multiple times and I've been told since they dont see it, its not there. Then I was told that I'd have to wait until Monday to get my money because they don't do deposits over the weekend even though I was supposed to get paid Friday and my funds had been released since before then. They dont want to help, they dont want to find my money, and they're extremely rude and nobody knows anything. I hate the fact that companies with nothing to lose can take from or inconvenience people who barely have anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts and Inquires.ACCOUNT /NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires 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 2025-11-15 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:
ClosedThis account was fraudulenty opened reported and filed with local authorities XXXX XXXX XXXX XXXX no documents have been provided upon request XXXX Reported : XXXX XXXX, XXXX {$2200.00}

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