vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I am disputing Currents final denial of my claim for unauthorized debit card transactions. 

I reported multiple unauthorized transactions and submitted an appeal with supporting information. Current issued a written appeal denial stating only that my evidence did not meet the standard, without explaining how authorization was determined or what evidence was relied upon. 

The denial letter lists numerous transactions across multiple merchants, locations, and categories, including retail, online, XXXX, hotels, and restaurants. I did not authorize these transactions and did not benefit from them. 

Current failed to provide transaction-level findings or demonstrate authorization as required under the Electronic Fund Transfer Act ( Regulation E ). A generic denial without supporting details does not constitute a reasonable investigation and improperly shifts the burden of proof to the consumer. 

I am requesting a Regulation Ecompliant reinvestigation and reimbursement of the unauthorized transactions if authorization can not be demonstrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
To Whom It May Concern, This letter serves as a formal Cease and Desist notice pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I am disputing the continued reporting of inaccurate, unverified, and/or incomplete information appearing on my consumer credit report. Despite prior disputes, you have continued to report this information without providing proper verification as required by law.

Under 15 U.S.C. 1681e ( b ), you are required to maintain and report only accurate information. Additionally, 15 U.S.C. 1681i ( a ) requires that disputed information be fully investigated and verified. Failure to do so mandates deletion of the disputed item ( s ).

Accordingly, you are hereby directed to CEASE AND DESIST from reporting any inaccurate, unverified, or misleading information associated with my credit profile. If you are unable to produce competent evidence verifying the accuracy of the disputed account ( s ), you must immediately delete the information from my credit file.

Please be advised that continued reporting of inaccurate or unverified information constitutes willful noncompliance, exposing you to liability under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, and attorneys fees.

This letter is not a refusal to pay, but a lawful demand for compliance with federal law. I expect written confirmation within 15 days that the disputed information has been removed or corrected accordingly.

Failure to comply will result in escalation of this matter without further notice. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Please consult complaint # XXXX which contains full details. 

My identity was stolen and the thieves immediately opened up a paypal credit card w/synchrony. I am not receiving monthly bills for this card. 

In credibly, Synchrony is saying there is a different XXXX XXXX who lives at my address and is the rightful card owner. This is of course false. 

They have thus far refused to cancel this card and I continue to receive the monthly bills which I have ignored. 

I never opened this card nor have I ever used it. I don't have a physical card nor do I know the full 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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
This company is fraudulent, they created a false amount and attempting to collect on an account that doesnt have a balance. The original creditor had certify this. I have requested the company to provide the following A complete itemization of every charge, fee, and alleged balance. 
All contracts, leases, or documents with my signature. 
Move-out statements, photos, invoices, and repair records that supposedly justify this absurd balance. 
Proof that this debt was legally assigned or transferred to your agency. 
A full accounting history, including payments and credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I had a cash out by the name of XXXX XXXXXXXX that I was locked out of and my card was blocked and now cash I will not send me a card for none of my new accounts and I also have another old account that I am unable to access that has money I talked to them and they told me to consult with my bank because the transaction was settle d or contact the merchant for my money back they will not send me my money back and force me to set up new cash apps

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: CA

Complaint narrative:
I am submitting this complaint regarding a XXXXreported account listed as XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number ending in XXXX, which I did not open, authorize, or have any involvement with. This account is the result of identity theft and does not belong to me. I have never established service with XXXX  XXXX, nor did I consent to any account being opened in my name. The reporting of this account is inaccurate, unverifiable, and is causing harm to my credit profile. Despite my rights under the Fair Credit Reporting Act ( FCRA ), this fraudulent account has been reported as placed for collection with a balance of {$69.00}, which is false. This account was fraudulently opened without my knowledge or consent and is the direct result of identity theft. I did not apply for, benefit from, or authorize this account, and no contract or agreement bearing my signature exists. The account is reporting solely on XXXX  and contains inaccurate information, including an alleged balance and collection status. This reporting is misleading, unverifiable, and violates my rights under the FCRA. Last 4 social XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MI

Complaint narrative:
U.S. Bank is holding an inbound domestic wire transfer of {$11000.00} that was received on Tuesday, XX/XX/year>, into my business account. The funds were sent from a regulated U.S. credit union. 
U.S. Bank has refused to explain the reason for the hold, will not identify whether the transfer is under fraud, compliance, or sanctions review, will not provide a timeframe for release, and has not requested any documentation from me to resolve the issue. 
In addition, U.S. Bank has restricted my access to my online business banking without notice or explanation, preventing me from viewing or managing my account while simultaneously holding the funds.

At U.S. Banks direction, I drove approximately two hours round-trip to the nearest branch to present government-issued identification in person. The branch confirmed my identity but this did not result in any release of funds, restoration of access, or explanation of the issue. 
U.S. Bank also refused to add my adult son as an authorized signer on the account without providing any explanation for the refusal.

This is a routine domestic business transaction and the continued unexplained hold, account restriction, and refusal to process normal account changes are disrupting business operations, including the ability to pay vendors and meet financial obligations. I have repeatedly asked whether any information is required from me and whether the funds will be released or returned, and I have not been given any answers. 
I am requesting that U.S. Bank either ( 1 ) immediately release the wire and restore full access to my account, ( 2 ) provide a written explanation of the category of review and what is required to resolve it, or ( 3 ) promptly return the wire to the sender and confirm the status of 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
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
Multiple credit reporting agencies ( Experian, TransUnion, and XXXX  ) have reinserted previously deleted accounts furnished by XXXX XXXX without proper notice or certification, in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Key facts : These accounts were deleted after disputes while they were reporting as OPEN After reinsertion, the same accounts are now reporting as CLOSED on some bureaus Despite being reported as closed, XXXX is issuing billing statements and future payment due dates, creating contradictory reporting Reinsertion occurred without advance notice or documented certification Discover repeatedly claimed authorization was required, even after a signed authorization was submitted Bureaus accepted and published reinsertion data without ensuring reinsertion compliance or accuracy This has resulted in : Inconsistent account status across bureaus ( open vs. closed ) Conflicting consumer disclosures ( closed accounts with active billing ) Failure to maintain maximum possible accuracy Improper reinsertion after deletion

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 2025-12-26 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
I have paid about {$1800.00} of this {$2300.00} loan since XXXX with the first 90 days being interest free my amount is still {$2200.00} dollars. They are very predatory. And the amount I paid during the interest free period which was around {$900.00} just disappeared and made no difference in my principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: OH

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 2025-12-26 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-27 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 recently my credit report and noticed an unauthorized and fraudulent inquiry in my credit report that i don't know where does it come from ; unrecognized inquairs XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX 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 2025-12-27 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: AZ

Complaint narrative:
I just want to follow up this complaint last XX/XX/year> about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 607b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7100.00} 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 Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance {$350.00} Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXXXXXXOriginal creditor XXXX XXXX XXXX XXXXXXXX Balance {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AZ

Complaint narrative:
I just want to follow up this complaint last XX/XX/year> about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 607b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7100.00} 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 Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance {$350.00} Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXXXXXXOriginal creditor XXXX XXXX XXXX XXXXXXXX Balance {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I have experience issues with my balance and interest as my loan has been through four different lenders making it very challenging to keep up with the changes and discrepancies.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint about the reporting of my auto loan with JPMCB Auto / Chase Auto Finance, account ending XXXX. 

I am not denying that the vehicle was repossessed in the past. My complaint is about the current status and balance that Chase is furnishing to the national credit bureaus and the lack of clear documentation about any alleged deficiency balance. 

In early XXXX  I filed a CFPB complaint about this loan ( case number XXXX ), which was handled by the Chase Executive Office . After that complaint : My Chase online profile has shown this auto loan with a XXXX balance and closed status. 
On XX/XX/year>, Chase sent me an Interest Paid Letter stating that interest paid was not available and year-to-date interest paid is not available. 

Despite this, my recent credit reports from XXXX, XXXX, and XXXX  still show this same loan as an auto charge-off with a large past-due balance of approximately {$21000.00}, with recent update dates in XXXX. This is inconsistent with Chases own system ( XXXX balance / closed ) and with the lack of basic interest information in the letter. 

I have never received a clear written breakdown from Chase showing how this alleged deficiency balance was calculated after repossession and auction of the vehicle ( sale price, fees, interest, etc. ). I have also never received any confirmation that the balance was cancelled, sold, or reported on IRS Form 1099-C. In other words, Chase is allowing a large charged-off balance to be reported to the credit bureaus without clearly explaining whether that balance is still legally owed or has been cancelled/charged to loss. 

Because of these conflicts, I have now filed new CFPB complaints against XXXX XXXX and XXXX  about how they are reporting this account and other auto loans. I am not trying to erase the past repossession ; I am trying to make sure that the current status and balance of this loan are reported accurately, consistently, and in a way that can be properly verified under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Dear XXXX, XXXX  and XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation