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

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting TransUnion. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting TransUnion. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I identified multiple unauthorized transactions on my account that I did not initiate or approve. The charges were made to merchants I have no affiliation with, and I have never provided my account or card information to these parties. 

Upon discovering the unauthorized activity, I promptly contacted the company to report the issue and requested an investigation into the disputed transactions. Although the matter was acknowledged, no satisfactory resolution or reimbursement has been provided to date. 

The unauthorized charges continue to appear on my account, and I have not received a refund or confirmation that corrective action has been taken. I am formally requesting a comprehensive investigation into these transactions and a full reversal of all unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was a Bank of America Atmos Rewards Ascent Visa Signature customer since XXXX. My account ( ending in XXXX ) was in good standing with no delinquencies and a perfect payment history. On XX/XX/XXXX, Bank of America closed this account, citing vague reasons such as too many accounts with balances, high utilization, and recent trend in balances. These are generic bureau factors that do not reflect my full financial stability. 

Following the closure, I reapplied for the same card on XX/XX/XXXX, and again on XX/XX/XXXX. Both applications were denied. I also contacted the reconsideration department by phone ( XX/XX/XXXX ), but even after speaking with an associate and a manager, I was told only that the denial was due to internal policy. No one has been able to provide the specific policy or criteria, nor has anyone with actual decision-making authority been willing to review my situation. 

Throughout this process, I have repeatedly offered to provide proof of over {>= $1,000,000} in liquid assets, along with my clean credit history, as evidence of my financial strength. Bank of America has refused to review or accept this information, leaving me with no path to reconsideration. 

Why this is unfair My account was closed despite no delinquency and no negative history. 

All denials have relied on vague internal policy reasons with no transparency. 

I have not been allowed to provide documentation of substantial assets or speak with anyone empowered to fairly evaluate my application. 

As a XXXX XXXX XXXX XXXX, I am concerned that this treatment reflects discrimination against servicemembers or veterans. Banks are federally prohibited from unfairly disadvantaging military members, yet I have been denied transparency and a fair reconsideration process despite my proven financial strength. 

This process leaves customers without a meaningful way to resolve disputes or understand the true basis of adverse actions.

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is in reference to the above-mentioned collection account, which you have reported to the credit bureaus, and which now appears on my credit report as opened on XX/XX/XXXX.

As you are a third-party debt buyer, and not the original creditor, I hereby invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to formally request validation of this debt. This includes, but is not limited to : The name and address of the original creditor A complete account history, including the original amount, interest, fees, and payments A copy of the signed agreement or document showing that I am legally obligated Documentation that you are legally authorized to collect this debt ( chain of title/assignment ) In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this matter, except to provide the documentation requested or to notify me of legal proceedings. 

If you can not provide this information within the required time frame, you must immediately : Cease all collection activity, and Remove this account from all credit reporting agencies to which it has been reported ( XXXX XXXX XXXX ) Continued reporting of this account without proper validation is a violation of the FDCPA and FCRA, and may result in legal action and formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

This letter does not acknowledge any liability or obligation for this alleged debt. Please consider this a formal dispute and cease contact request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Delete disputed accounts in compliance with the timing requirements of 15 U.S. Code 1681g.

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

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To whom it may concern : I am writing regarding the above-referenced account. I request that you validate this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity and/or amount of the debt and request that you provide the following information in writing : 1. The name and address of the original creditor.

2. A complete, itemized accounting showing how the alleged amount was calculated, including dates, charges, interest, fees, and payments.

3. Proof that you are licensed to collect debts in Arizona, and provide copies of any license numbers or registrations.

4. Proof that you are authorized to collect on behalf of the original creditor ( a copy of the contract or assignment showing chain of custody from the original creditor to you ). 5. A copy of the original signed contract or agreement bearing my signature that created the alleged debt.

6. If you claim any judgment exists, provide a copy of the judgment document and details of where and when it was entered.

7. The name and address of the original creditor ( if different from above ) and the date the debt was incurred.

8. A statement whether the debt is within the statute of limitations in Arizona ; if you claim the statute of limitations has been tolled, provide documentation supporting that claim. 9. Identification of the person who verified the debt and the date of verification.

While you are validating this debt, I request that you immediately cease all collection activity, phone calls, and reporting to any credit reporting agencies related to this account. If you have reported this debt to any credit bureau, please provide documentation of the date ( s ) and agency ( ies ) notified and remove any negative information until the debt is validated.

Please send the requested information to the address above. If you can not provide the requested validation, you must cease collection activities and notify any credit reporting agencies to remove any adverse information you reported. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: KS

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Illegal cash advances were made when my account was hacked XXXX XX/XX/year>. My cellphone was stolen and the hacker hacked my account. Around {$7000.00} dollars was taken as a cash advances and withdrew/stolen from my account without my knowledge. My accounts were frozen but the cash advances had already gone through. The bank WellsFargo has done nothing to fix this problem and they are refusing to refund me back the money. I have file many complaints to the corporate office and only get an answer stating that it I had knowledge of this illegal cash advances. They refuse to refund my money and they keep charging me interest payments every month.

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 2025-10-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting act regarding accounts XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX. Transunion Credit Reporting agency has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Despite multiple complaints, it is continuing to report on my credit file.

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 2025-10-07 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by Heights Finance to your agency, Transunion ; and I believe this entry is inaccurate. The payment in question is identified as " late, '' but I do not believe the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Legal basis for dispute : 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transactions or experience between myself and Heights Finance should not be included in mu consumer credit report.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ,1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If Heights Finance can not provide proof of delivery or mailing of the required information, I request that this late payment be deleted and removed from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverified information I am requesting the appropriate action be taken in conjunction with the guidelines to remove the inaccurate late payment entries within XXXX calendar business days of receiving this notice. 
Late payment ( XXXX ) in question : XXXX XXXX XXXX 
Thank you for your prompt attention to this matter. I look forward to your response ad resolution of this complaint.

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

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : LATE PAYMENT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-10-07 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: TN

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 explanation
Consumer complaint received 2025-10-07 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:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation