vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Re : Demand for Permanent Deletion of Inaccurate/Compromised Information Due to Data Breach & FCRA Violations To Whom It May Concern, I am writing to you formally regarding my consumer file maintained by TransUnion. This correspondence is being sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and is directly related to the recent TransUnion data breach, in which consumer filesincluding minewere placed at risk of compromise and potential inaccuracy.

The breach in question undermines TransUnions statutory duty under : FCRA 607 ( b ) Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) Mandating that disputes be reinvestigated in good faith and inaccurate information promptly deleted.

FCRA 605A & 605B Requiring consumer file protections in instances of suspected compromise, fraud, or identity misused.

As a class member in the court-approved settlement of Norman v. TransUnion, LLC ( Case No. 2:18-cv-05225-GAM ), I have received confirmation and compensation, which serves as evidence of TransUnions failure to maintain the integrity and security of consumer data.

Given that your own breach jeopardized the chain of custody, accuracy, and reliability of the data in my consumer file, any items currently marked as negative, disputed, or unverifiable must be treated as compromised. It is no longer possible for TransUnion to reasonably certify these accounts as accurate under federal law.

Accordingly, I am demanding the immediate and permanent deletion of the following compromised and unverifiable items from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX All inquiries should be deleted as well. 
Failure to delete these items constitutes ongoing non-compliance with FCRA and may result in further legal action or complaints filed with the CFPB and other relevant authorities. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
On XX/XX/year>, I filed FTC Identity Theft Report XXXX XXXXXXXX identifying multiple fraudulent accounts and tradelines in my name. This is the first time ChexSystems is receiving my FTC report and non-ownership affidavit. 

I have never authorized or opened any accounts that ChexSystems may be reporting. If ChexSystems is maintaining any derogatory or adverse file under my name, it is the result of identity theft and must be blocked under FCRA 605B. No contract, application, or signature exists with my authorization. I do not take ownership of any such accounts.

ChexSystems is a consumer reporting agenc
y under the FCRA. As such, it is unlawful for ChexSystems to continue publishing information tied to identity theft once it has been notified through a valid FTC Identity Theft Report. The 4-day block requirement under 605B applies. Additionally, any information that can not be verified with proper documentation must be deleted under 611 ( a ) ( 5 ) ( A ). 

This is causing me ongoing harm by preventing me from opening legitimate accounts. I request immediate compliance with the law.

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 2025-09-14 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: VA

Complaint narrative:
I am writing to formally submit a complaint regarding the misuse of my credit information. I recently discovered that my personal and credit information has been used incorrectly and may have been sold without my authorization. This has resulted in negative entries on my credit report, specifically including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard inquiry/account I do not recall authorizing any accounts or inquiries with these entities, and I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The unauthorized use of my information is affecting my credit and financial wellbeing. 

I am requesting a thorough investigation into the misuse of my credit information and immediate steps to remove these inaccurate or fraudulent entries from my credit report. I have attached any documentation that supports my claim. 

Please advise on the steps that will be taken to ensure the protection of my information and to restore my credit standing. 

Thank you for your attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Around the XXXX  of 2022 there were many accounts that were open up illegally in my name. One of the accounts was with Citibank XXXX XXXX XXXX charge in this account is now being represented by XXXX XXXX XXXX with a balance of {$3700.00} I refuse to pay this debt and I want it removed from my credit report immediately

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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One sent a card in my name and Im being charged for it and its on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMEN XXXX I, the undersigned, hereby declare that I am not liable for the alleged debts associated with the following accounts : XXXX  XXXX ( Account No. XXXX ), XXXX ( Account No. XXXX ), and XXXX XXXX ( Account No. XXXX ). I have no contractual relationship with the collections agency attempting to enforce these claims. No executed, agreed-upon, or approved documentation exists between myself and said agency establishing any obligation to remit payment or acknowledge indebtedness. Despite my requests, the agency has failed to produce any valid contract or verifiable proof of debt as required by law. Furthermore, the collections agency is illegally reporting this information to credit bureaus without lawful authority or jurisdiction, in violation of applicable regulations. Accordingly, I dispute the validity of these claims and assert that I am not legally obligated to satisfy any such alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FinCo Services Inc DBA Current
State: ID

Complaint narrative:
I used a link to download their app and open a checking account and debit card. I only selected the debit card and checking account, however they shadily snuck in applying for a secured credit card and approved it without my consnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I purchased a wedding dress on XXXX on XXXX XXXX for {$800.00} and paid the seller through XXXX. The dress was listed as " like new, no signs of wear, '' but when I received it, it had visible stains and rips. I immediately contacted the seller, and she agreed to refund me. 


Following XXXX process, I opened a dispute. I waited over a month with no updates, calling XXXX  four separate times during that period. Each time, I was told the case was still under review and that I simply needed to wait. I specifically asked whether any further information or action was required from me, and each time I was told " no. '' On XX/XX/XXXX, I received a notification that my dispute was denied and the case closed because I did not return the item. I then went back through my emails and discovered that on XX/XX/XXXX, XXXX  had in fact sent me a message with return instructions and the sellers address. 

Unfortunately, I had missed this email at the time. However, given that I called XXXX  four times after that date to ask if anything was required from me, it is unacceptable that none of the agents ever informed me that I had already been sent return instructions. 
Because of this communication failure, I was never able to return the item within the required timeframe, and now the seller refuses to provide her address or refund me since the dispute has been marked closed. 

Effectively, I am being forced to accept a damaged item with no recourse, despite the seller admitting fault and initially agreeing to a refund. XXXX dispute resolution process has proven unreliable, opaque, and consumer-unfriendly. 

This situation feels deceptive and leaves consumers like me unprotected, which is unacceptable for a financial service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NJ

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX # XXXX -Balance {$17000.00} -Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -Balance {$9600.00} -Date Opened XXXX XXXX # XXXX -Date Opened XXXX XXXXXXXX XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX # XXXX -Date Opened XX/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 explanation
Consumer complaint received 2025-09-14 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX # XXXX -Balance {$92.00} -Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$930.00} -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX -Balance {$1800.00} -Date Opened XX/XX/XXXX XXXX XXXX # XXXX -Balance {$2000.00} -Date OpenedXXXX

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 2025-09-14 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

XXXX. 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a Target Card in the mail ( US First Class ). I did not opne this card and subsequently called Target who closed the card. I then received on XX/XX/XXXX an email stating that I was going to receive a XXXX XXXX XXXX XXXX. I subsequently called XXXX XXXX and had the card cancelled and my credit inquiry removed. I have since frozen my credit at two of the three agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OR

Complaint narrative:
I opened an account with Chime in XXXX of 2023. I immediately deposited {$300.00} and Chime closed my account instantly and has refused to refund me for over 2 years now. They have told me over and over again that they can not tell me why they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX # XXXX - Balance {$3700.00} -Date Opened XX/XX/XXXX XXXX  XXXX XXXX -Date Opened XX/XX/XXXX XXXX  XXXX # XXXX - Balance {$1300.00} -Date Opened XX/XX/XXXX XXXX XXXX  XXXX # XXXX -Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
Some one keeps opening things in my name iv been a victim of identity theft at affirm XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I C system for XXXX. Ive called both companies, XXXX  verified I have {$0.00} account balance and its paid in full but the XXXX XXXX XXXX XXXX say for months now they have not received update and wont remove it from my credit score. I have proof the debt has been paid and was sent to them via mail

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 2025-09-14 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:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XX/XX/year>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 non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On or about XXXX, I spoke by telephone with Agent XXXX XXXX, who represented that Synchrony Bank would accept a reduced payment arrangement on my account. We agreed that I would pay {$130.00} per month until the balance was paid in full.This agreement was to be fulfilled through automatic monthly withdrawals of {$130.00} on the XXXX of each month. I did not receive any written confirmation from Synchrony Bank or from any debt collection agency regarding this arrangement, nor was I notified in writing that the payments would be processed automatically.Without my request or authorization, on XXXX, Synchrony Bank XXXX or its agent ) unilaterally stopped the automatic withdrawals. I did not receive any prior notice of this action.Subsequently, I was contacted and informed that my account was considered delinquent, that my balance had not been reduced according to the original agreement, and that I would need to enter into a new payment arrangement. This delinquency was the direct result of the bank or its agent stopping the agreedupon autopay, not any failure on my part to make the agreed payments.I dispute any claim that I defaulted under the XXXX agreement, as I complied fully with the terms until the autopay was stopped without my consent or notice. 

Based on my records these were the dates and autopay that they took out from me. 

SYNCHRONY 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 last payment {$130.00} XXXX XXXX has been repeatedly calling me during my working hours. I am a licensed physician actively engaged in patient care, and these calls have disrupted my professional duties. Such contact during work hours is both inappropriate and, under the Fair Debt Collection Practices Act ( FDCPA ), may constitute prohibited conduct when it is known to be inconvenient or disruptive to the consumer. I have not consented to receive calls at my workplace, and I request that all further communications be made in writing to my mailing address.

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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
My credit card balance has almost doubled even though I havnt used it in over one year. These are all monthly fees and XXXX interest charges. I am charged {$70.00} every month in fees.

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 2025-09-14 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX -Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$930.00} -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$1800.00} -Date Opened XX/XX/XXXX XXXX  XXXX # XXXX -Balance {$210.00} -Date OpenedXXXX XXXX XXXXXXXX XXXX XXXX # XXXX -Balance {$2600.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 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 explanation
Consumer complaint received 2025-09-14 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing a complaint against XXXX for reporting inaccurate and inconsistent late payment information on my XXXX  credit report. The account in dispute ( Account # XXXX ) is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and 1681s-2, as well as Metro 2 reporting standards. XXXX has failed to provide proper verification or documentation supporting the accuracy of the late payment despite my dispute. I request that the CFPB require XXXX to conduct a full reinvestigation, provide documentation verifying the accuracy of the reported information, and correct or remove any unverifiable or inaccurate reporting. The continued inaccurate reporting is harming my credit profile and financial reputation.

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