vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: IN

Complaint narrative:
On XX/XX/year> I called Synchrony bank to discuss my recently closed credit card account. I asked was it possible to have my account reopened if the outstanding balance was resolved. I was informed by the rep " no '' this was not possible but it was not in collections yet. I asked not even if I paid the total balance down by 50 % as I plan to do this on XX/XX/XXXX, because I am currently selling my home. The rep said no but began to repeatedly ask me the same questions " when '' and " how much ''? very oddly. The agent said you plan to pay half the outstanding late payment balance which was a few XXXX dollars on XX/XX/XXXX. I said " no that's not at all what I said, I plan to pay 50 % of the total balance XX/XX/XXXX. '' she said no not even then would it be reactivated. I said well I let you all know months ago that I was would be hospitalized and unable to make payments for some time I don't understand why y'all haven't been willing to work with me. What is to incentivize me to prioritize paying this balance off, most people would not even pay? It doesn't make sense for me to prioritize payment if it doesn't help my credit. '' I then asked does this go to collections after some time, how does this work? They said as long as you take care of the past due balance and make your monthly payments it remains closed but no collection activity will take place. I said fine and I will call in later in XXXX. The rep once I got off the phone STOLE {$3300.00}. From my account. I never authorized any payment. THEY WERE FULLY AWARE WHAT THEY WERE DOING WAS FRAUD AND AN ILLEGAL ACTIVITY AND A CRIME! THEY STOLE {$3300.00} from my checking account over drafting my personal checking account. I will also be filling fraud charges with this institution with my bank. I want the full name of the rep who did it so that they can be listed in my fraud report and I want them FIRED FROM SYNCRHRONY BANK. I don't ever want this criminal to work on my accounts or ever have access to my financial records or personal information ever in life. This was not a mistake it was INTENTIONAL!! I repeated to many times that I was not making a payment until XX/XX/XXXX, that I would call on my own to do it. There was no mistaking or NO POSSIBLE WAY THE REP COULD HAVE THOUGHT I ASKED IN ANY KIND OF WAY TO PROCESS A PAYMENT OF THAT MAGNITTUDE LET ALONE AT ALL UNLESS THEY ARE THE WORLDS BIGGEST XXXX OR SUDDENLY FORGOT HOW TO SPEAK XXXX, THIS WAS ABSOLUTELY INTENTIONAL AND THEY SHOULD BE FIRED IMMEDIATELY FOR FELONY THEFT GEATER THAN {$500.00}. I WANT SYNCHRONY TO CREDIT MY BANK THE STOLEN MONEY IMMMEDIATLY OR I WILL HAVE THE POLICE INVOLVED AS WELL!

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 monetary relief
Consumer complaint received 2025-12-25 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: OH

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-25 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: MO

Complaint narrative:
i recently reviewed my FICO report and noticed fraudulent accounts reporting to my credit report. This fraudulent accounts is a auto loan ( XXXX XXXX  ) opened on XX/XX/2022 with the amount of {$23000.00}. I want this fraudulent account removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: FL

Complaint narrative:
A rental vehicle was damaged during a cross-country move when cargo fell from a truck and struck the front of the vehicle. The damage was reported properly, and the rental companys insurer and my personal auto insurer handled the claim. My insurance company paid the covered damages, and I was advised that my responsibility was limited to a single deductible of {$500.00}. 
I did not receive a direct billing request from the rental company for the deductible prior to involvement by Viking Client Services , LLC. Instead, Viking Client Services contacted us asserting additional amounts owed. We paid {$500.00}, believing this satisfied the deductible obligation. 
Viking Client Services is now attempting to collect an additional {$250.00} described as an Administrative Fee, claiming it is the consumers responsibility. This fee was never disclosed as part of the deductible, was not clearly authorized in any communication, and appears to be an added collection or processing charge rather than vehicle damage. 
The collection letter itemizes vehicle damage paid by insurance and then adds a separate {$250.00} Administrative Fee, bundling it with the deductible and representing it as owed. This presentation is misleading and attempts to collect an amount beyond what was communicated as the consumers obligation. Viking has continued collection efforts despite the deductible having been paid and without providing clear contractual validation that the additional fee is owed by the renter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
I received a notice stating that a XXXX credit card account with an alleged balance of {$2300.00} was charged off and sold to Jefferson Capital Systems , LLC in XX/XX/year>. I do not recognize this account transfer and do not have any business relationship or account with Jefferson Capital Systems , LLC. I was not a party to any sale or assignment and do not recall opening or authorizing an account that would result in this action. Upon receiving the notice, I disputed the validity of the account and requested written verification and documentation supporting the claim. As of this filing, I have not received a clear explanation or resolution, and I am concerned this may be an error or incorrect account attribution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Account # XXXX Im unaware of this debt and did not have the oppurtunity to dispute this account. If you believe you sent proper notifications, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Did not know there was a debt, no notification at all until it was listed on my credit report, i have disputed it and it will not get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On the XXXX of this month I deposited my payroll check in to a a.t.m. It was the banks a.t.m that I deposited my check in. Bank of America then on Friday the XXXX took the funds from my jobs checking account to cover my payroll check. Bank of America refused to release my funds to me until the XXXX of this month. I made a call to the Bank of America branch in XXXXXXXX XXXX where I opened my account on XXXX XXXX blvd XXXXXXXX XXXX They put me to customer service, but I got nowhere with them so I tried multiple times to call the Bank of America branch in XXXX on XXXX XXXX XXXX nc and they refused to answer my calls. I have multiple issues with this branch on not taking my calls after the first time I call. I have called that branch on the hour every hour for a whole day, and could not get through because they refused to answer my calls. This is an ongoing problem with this branch. Bank of America had no reason for withholding my funds after they had already received the funds from my jobs checking account. They kept saying that they had to verify that the funds were in their system. Well they have the money from my job to cover my payroll check, and yet they refused to release my funds. They had no reason or right to hold my funds that long. I had bills to pay, XXXX shopping to do, and needed gas money to go back and fourth to work. I asked them to at least release XXXX or fourth dollars so I could get gas to go to work. Right here at XXXX time and they still refused!!! I want the same amount of interest that they get from my money being in their bank for the three days that they held my funds from me. They owe me that!! Also they were charging me {$18.00} s a month for maintenance fees in my savings account, and now since Ive said something about it, they are now charging me $ XXXX a month maintenance fees on my savings account. This is highway robbery. They are already making money off of my money just from my money being in their bank and they want to charge me a maintenance fee? No!!!

They owe me interest on the three days that they held my funds from me. And I want the same interest amount that they get for having my money in their bank.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You are required under 15 U.S.C. 1681e ( b ) to report information accurately. Im asking you to provide the original account-level documentation that proves this account belongs to me and is being reported correctly. If you can not provide that documentation, then continuing to report this item is a clear violation of the FCRA and it must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year>, my credit builder card with Chime was charged {$350.00} at hotel tonight. I did not authorize this charge nor did I make this charge. I have disputed the charge with both chime and the merchant. Both have denied my request and have refused to provide proof that the chat XXXX were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I received a notice stating that a XXXX XXXX XXXX account with an alleged balance of {$2300.00} was charged off and sold to XXXX XXXX XXXX XXXX XXXX in XX/XX/year>. I do not recognize this account transfer and do not have any business relationship or account with XXXX XXXX XXXX XXXX XXXX. I was not a party to any sale or assignment and do not recall opening or authorizing an account that would result in this action. Upon receiving the notice, I disputed the validity of the account and requested written verification and documentation supporting the claim. As of this filing, I have not received a clear explanation or resolution, and I am concerned this may be an error or incorrect account attribution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i do not know who this is and i have never done business with them i haev called and they can not pull up any account with my number they violated the fair debt collection practices act by asing me for my entire social secuity number on the phone ive asked for veification and they cant even tell me what number or home address they have for this account they have called my family members several times harrising them saying somwone needs to pay or i will go to XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) TransUnion XXXX  Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/year> XX/XX/year> Balance : {$2400.00} {$2400.00} No. of Months ( terms ) : - - High Credit : {$2400.00} {$2400.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/year> XX/XX/year> Comments : Placed for collection Subject has not satisfied debt. 
Date Last Active : XX/XX/year> XX/XX/year> Date of Last Payment : - -

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 2025-12-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, a CareCredit account issued by Synchrony Bank was opened without my authorization. 

I did not apply for this account, did not sign any physical or digital documents, and did not authorize a hard credit inquiry or the opening of any account. 

Later that day, I received notifications that a CareCredit card was being shipped and an alert regarding suspected fraudulent activity. I immediately contacted Synchrony Bank and informed them that I did not authorize this account. The bank closed the account after confirming the issue. 

Despite this, TransUnion is reporting the account as a new account closed and a related hard inquiry, which is inaccurate, since the account should never have existed. This has negatively impacted my credit and violates the Fair Credit Reporting Act ( FCRA ).

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I filed a fraud claim with navy federal credit union on the XXXX. I did not receive a email asking for any supporting documents. Less than 48 hours after the claim was filed i was told my claim was denied. when speaking to a XXXX representative they said the charge was a contactless tap payment through XXXX reader. I had been stationed in Virginia for school since XXXX. The card was in my possession the whole time until it was surrendered to the XXXX va navy federal branch. The representatives reasoning for the denial was that because the card was in ky possession i must have made the contactless payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the accuracy and verification of a collection account reported by XXXX XXXX XXXX. Despite prior disputes, the furnisher has failed to provide a lawful method of verification as required under the Fair Credit Reporting Act. I am requesting deletion of this unverifiable account or full documentary proof supporting its reporting. See attached Method of Verification letter for details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or accounts or to view my credit report. In addition, I did not permit transUnion or Equifax or Experian permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights i am requesting that this account to be removed within 4 business days, Please remove these inquiries from my report XXXX XXXX XXXX XXXX please remove this fraudulent account and activity from my account

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