vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
In XX/XX/2025, I filed a civil rights discrimination and retaliation complaint with the California Civil Rights Department ( DFEH/CRD ) against my former employer, XXXX XXXX XXXX XXXX XXXX After resigning, and shortly after they were served notice of my DFEH complaint, the employer began retaliatory actions against me involving an alleged balance they claim I owed. 

Timeline & conduct : XX/XX/2025 I filed a complaint with DFEH. 
After receiving notice, employer began contacting me about an alleged debt that was never disclosed while employed or at the time of separation. 
Employer also attempted to interfere with my unemployment benefits, which I ultimately won. 
I was repeatedly harassed by phone at various hours relating to this alleged debt, and a call was made to my mother about it. 
After I disputed the debt directly and before I was ever given written validation or notice, the employer sent the alleged debt to collections. 
I later learned the debt was sold to a collection agency ( Synergetic Communications ) without any validation, dispute opportunity, or written notice to me. 
After receiving dispute calls from the new collector in late XX/XX/2025, and while my civil rights case is still active, the collector immediately reported a derogatory tradeline to my credit file WITHOUT providing validation. 

This appears to be retaliatory debt collection activity tied to my civil rights case, as the alleged balance is small compared to the damages I am seeking, and collection activity only began after my DFEH complaint. 

Violations involved : No written notice or 30-day dispute opportunity ( FDCPA 1692g ) Reporting without validation or dispute disclosure ( FCRA 1681s-2 ( a ) ( 3 ) ) Harassing phone contact, including calling a third party ( FDCPA 1692d & 1692b ) Retaliation related to a protected civil rights complaint I am requesting the CFPB assist in having the derogatory tradeline removed unless the collector can provide full debt validation and documentation showing this collection was not retaliatory. 

I have submitted supporting documentation through the relevant civil rights case portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX XXXX, XXXX, through its authorized representative XXXX XXXX, on behalf of XXXX XXXX, under a valid Consumer Authorization and Limited Assignment Agreement dated XX/XX/year>. The basis of this complaint is TransUnions continued reporting of a derogatory and conflicting tradeline from XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ). Despite a formal FCRA dispute filed on XX/XX/year>, the bureau has maintained inaccurate, misleading, and incomplete data. The account is reported as both charged off as bad debt and purchased by another lender, which is contradictory and violates 15 U.S.C. 1681e ( b ) and 1681i. Furthermore, TransUnion has failed to verify ownership, omitted required payment history, and continues to furnish information that is unverifiable and potentially obsolete. 

The authorized representative demands the immediate deletion or correction of this tradeline and requests CFPB oversight to ensure TransUnion complies with its FCRA obligations. This inaccurate reporting has caused measurable harm to the consumers creditworthiness and violates her statutory rights under the Fair Credit Reporting Act.

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 2025-11-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I have reached out to the CFPB in regards to this matter XXXX  due to experian is not investigating this complaint they are stating they are and stating they verified information that they haven't. Attached are screenshots showing on my experian credit report showing that I owe XXXX separate loan amounts for XXXX XXXX for {$54000.00}, XXXX for {$60000.00}, and the other for {$2200.00} totaling {$110000.00}. That information is false. I have attached screenshots from my XXXX portal and a letter sent to me dated in XX/XX/XXXX with my due date of my payment owed on XX/XX/XXXX. My total amount owed for my XXXX consolidated loans is {$60.00}, XXXX. I attached XXXX different screenshots from my portal to show that I do not owe the amount experian is reporting and they are falsely reporting the wrong information and this should be removed by law ASAP being that I have reported this twice and they still have not removed it.

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate and unfair credit reporting by XXXX XXXX and Midland Credit. Midland Credit filed a case against me for a XXXX XXXX XXXX XXXX account, but the case was dismissed by the court, meaning I am not legally responsible for this debt. Despite this, XXXX XXXX and Midland Credit continue to report the account as open and active, and they keep updating the reporting dates to make it appear recent. I have also experienced harassment, including someone coming to my home claiming there was a warrant for my arrest if I didnt pay, which I believe is illegal and violates the Fair Debt Collection Practices Act ( FDCPA ). I am also currently in a settlement with XXXX XXXX XXXX, which further shows I am actively resolving my accounts. I request that all XXXX XXXXrelated accounts, including the XXXX XXXX account, be properly investigated and corrected or deleted from my credit reports, as they are inaccurate and causing harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NV

Complaint narrative:
Original complaint ID XXXX filed under XXXX XXXX for joint mortgage. Information has been corrected on XXXX XXXX ' credit report and remains delinquent on XXXX XXXX 's file when applying for financing. 

Original complaint : Entered into forbearance with XXXX  which ended in XXXX of XXXX. I was approved for a loan modification with paperwork dated XX/XX/XXXX of XXXX  detailing a trial period for the new payment amount. Three trial payments were due between XXXX and XXXX and all were made in advanced and on time. New loan documents were notarized in XXXX of XXXX and updated paperwork confirmed first modified loan payment was due XX/XX/2025. Loan was modified to add a balloon payment amount to the end of the loan for all missed payments during forbearance. 
XXXX has reported all months of the trial period payment plan ( XXXX ) as XXXX days late to credit bureaus. When contacted, XXXX  has insisted that even though all instructions were followed in accordance with the forbearance and modification process, they are marking the balloon amount due ( from the forbearance period ) as XXXX days late because it was not paid in full prior to the loan being modified. The account now has 5 months of missed payments reported as XXXX days late, even though trial payments were received. First payment of the trial period plan was also made in XXXX ( earlier than required ) and rather than advise me that this needed to be applied to a XXXX day late balance, it was applied to the following months trial payment. No payments during the life of the loan were ever missed or late unless instructed by XXXX  in accordance with the instructions of their payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report today and I saw XXXX unauthorized fraudulent inquiries on my report which one I never authorize no one to pull my credit report, the credit inquiry is unknown/ & unauthorized , a violation of the law 15 U.S. Code 1681b - Permissible purposes of consumer reports. 



XXXX Travel/Entertainment XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXXXXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXXXXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Automotive  XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX BANK XXXX XXXX Bank XX/XX/XXXX XXXX XXXX BANK XXXX Bank XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX  Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Department/Variety and Other Retail XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Travel/Entertainment XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Automotive XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-11-03 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: VA

Complaint narrative:
I am a victim of a data breach and identity theft. I did not authorize the accounts in question, and they were opened or used without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S.C. 1681c-2, I am formally requesting that these fraudulent accounts be blocked and deleted from my credit file within 4 business days.

Please conduct an immediate investigation, notify the relevant creditors, and provide written confirmation once the accounts have been removed. I am attaching documentation to verify my identity and support this claim, including a copy of my government-issued ID, proof of address, and an identity theft affidavit or police report, if required. 

This request is being made pursuant to my rights under federal law to ensure the accuracy, fairness, and privacy of information contained in my credit report.

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 2025-11-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
The dealer illegally bought back the vehicle from the lender and then proceeded to repossess my vehicle on XX/XX/year>. After they repossessed my vehicle they did not give me the option to pay the 1 late payment on my vehicle to reinstate my loan. ( Mind you Ive only had the vehicle for 30+ days at this point and the same day the dealer repossessed my car is the same day I called the lender to make the missed payment that was due on XX/XX/year> and the lender STILL took my money. ) The dealership or lender never issued an official notice after my car was repossessed about how I could reinstate it or collect my property. I called the lender and they said they knew nothing about the car being repossessed or the vehicle being bought back by the dealership. Again no one notified me that this occurred. Nonetheless my purchase contract does not give the dealer the ability to buy the vehicle back from the lender. In my contract it also states that if the car is repossessed they will issue me a notice on how to reinstate my loan. Again this never occurred. The dealership wont give me my car back nor will they give me my down payment back I paid of {$7000.00} nor will they allow me to reinstate my loan. They took my money, and my car to try and resell this car to someone else. The lender Challenge Financial NOR the dealership provided me with any notices as required by law. No where in my contract did it allow for a vehicle buy back from the dealer. Did I mention the same day they repossessed my car they took the payment from me before taking my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
( no subject ) Inbox XXXX XXXX XXXX ( XXXX hours ago ) to me I disputed a XXXX XXXX XXXX  account originally charged off in XXXX. Despite my certified dispute in XX/XX/XXXX, TransUnion continues to report this account as Open with a {$43000.00} balance and 0.00 % interest, last updated XX/XX/XXXX. 

This directly conflicts with XXXX, which shows the same account as charged off and closed since XXXX. TransUnion failed to properly reinvestigate or correct this information after receiving my documentation. 

This constitutes violations of FCRA 623 ( a ) ( 1 ) ( A ) ( knowingly reporting inaccurate information ) and 611 ( a ) ( 1 ) ( failure to conduct a reasonable reinvestigation ).

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 2025-11-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I checked my credit report today and I saw XXXX unauthorized fraudulent inquiries on my report which one I never authorize no one to pull my credit report, the credit inquiry is unknown/ & unauthorized , a violation of the law 15 U.S. Code 1681b - Permissible purposes of consumer reports. 


XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX of inquiry XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OR XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am formally disputing the {$2200.00} collection reported by XXXX XXXX XXXX through I.C. System, as no work was performed due to me getting an new lawyer, this balance is incorrect. 

I spoke twice with XXXX XXXX on XX/XX/XXXX and XXXX, XXXX before I reached out to him on XX/XX/year>. I was informed that I only owed a {$330.00} filing fee, which my attorney XXXX XXXX confirmed. During the second call, XXXX XXXX confirmed that I no longer needed to pay the {$330.00} because my attorney had already taken care of the filing fee, and that the law firm would contact I.C. System to remove the collection due to their mistake and the fact that no work was done. the account is still reporting on my credit report and my XXXX XXXX XXXX was granted permission to work my case.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington XXXX DC XXXX, USA From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unfair and discriminatory restrictions on payment methods and cross-border access imposed by Google Play. 

Dear Officer, I am submitting this formal complaint against Google XXXX ( Google XXXX  / Google Pay ) regarding unfair restrictions that prevent me from using legitimate international payment methods and accessing digital services based on geographic location. 

I am a resident of XXXX, but I maintain bank accounts and valid payment cards in XXXX, where I also use essential applications such as XXXX XXXX XXXX government apps ), digital banking, and subscription-based platforms. 

Google XXXX currently prevents users from keeping or switching their account country to XXXX when the system detects a different physical location. As a result : I am blocked from accessing XXXX  applications that are essential for financial and administrative purposes. 

My XXXX  payment methods are rejected, even though they are valid and active. 

I am unable to renew or purchase premium subscriptions exceeding local payment limits in XXXX ( USD XXXX ). 

This policy creates an unreasonable and discriminatory restriction on international consumers who legitimately operate in multiple jurisdictions. 

Legal Basis Such conduct appears to violate principles of fair access, equal treatment, and non-discrimination in digital commerce, consistent with : The XXXX Guidelines for Consumer Protection in the Context of E-Commerce ( XXXX ) ; The XXXX XXXX XXXX for XXXX XXXX ( XXXX ) ; and Consumer protection laws in XXXX and XXXX, where I hold financial and digital accounts. 

Given that Google XXXX directly manages payment systems through Google Pay and XXXX  XXXX, these restrictions fall within the CFPBs supervisory scope under U.S. consumer financial protection law. 

Request for Action I respectfully request that the CFPB : Investigate the geolocation-based restriction imposed by Google XXXX that prevents cross-border payments ; Require Google to allow international consumers to use legitimate payment instruments regardless of residence ; Ensure compliance with fair trade and financial access principles applicable to digital platforms operating under U.S. jurisdiction XXXX 

Attached to this complaint : A copy of the formal extrajudicial letter sent to Google XXXX and Google XXXX XXXX XXXX. ; Screenshots showing the payment and app access restrictions ; Proof of residence and valid payment methods in both countries. 

Sincerely,

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