vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-01 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: GA

Complaint narrative:
CThis letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX XXXX Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-12-01 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ 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 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently made a purchase at XXXX XXXX where I bought several items and rejected others during the same transaction. However, my Synchrony credit card is still showing charges for all items, including those I did not accept. When I requested an updated and itemized receipt from XXXX reflecting the final items I actually took, the store refused to provide it and instructed me to contact Synchrony instead. 

I then logged into my Synchrony account and found the full, incorrect charge still appearing with no proper itemization. This refusal by XXXX to provide accurate documentation and the lack of transparency on my credit account is unethical and unacceptable. I am requesting assistance in obtaining a corrected, itemized receipt, removal of any improper charges, and an investigation into XXXX refusal to provide proper documentation to customers.

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 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
FINAL NOTICE OF NON-COMPLIANCE & DEMAND FOR DELETION XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Acct Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY Date : XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Final Notice Failure to Provide Method of Verification Disputed Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ending XXXX To Whom It May Concern : This letter serves as a FINAL NOTICE regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) concerning my dispute of the above-referenced account.

I disputed this account and submitted a Method of Verification ( MOV ) request pursuant to FCRA 611 ( a ) ( 7 ). Experian has failed to provide : 1. The name of the individual or entity who verified the account 2. The method used to verify the account 3. The business name, address, and phone number of the furnisher 4. The documentation relied upon during reinvestigation Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), if Experian can not obtain proper verification, the tradeline must be deleted immediately.

Experians failure to provide the required Method of Verification places you in non-compliance with federal law and constitutes a violation of the FCRA. 

DEMAND I hereby demand that Experian delete the XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX within XXXX hours of receiving this notice. 

If Experian does not comply, I will proceed with the following actions without further notice : Filing an additional complaint with the CFPB Filing a complaint with the New York State Attorney General Pursuing civil action for statutory damages of up to {$1000.00} per violation under the FCRA Please provide written confirmation of deletion. 

Sincerely, 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : TransUnion Reporting Bankruptcy With False Verification FCRA 611 ( a ) Violation Complaint : I am filing this complaint because TransUnion has reported a bankruptcy on my credit file and repeatedly marked it as verified even though they never contacted XXXX XXXX XXXX XXXX XXXXXXXX, and the court has confirmed in writing that they do not communicate with credit reporting agencies. 

This is new evidence not included in my prior complaint. 

I provided TransUnion with an official letter from the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX, dated and signed by Deputy Clerk XXXX XXXX, which states : XXXX XXXX XXXXXXXX has no jurisdiction over credit reporting agencies. 

XXXX XXXX XXXXXXXX does not subscribe to any service with credit reporting agencies. 

XXXX XXXX XXXXXXXX does not report records with any credit reporting agency. 

XXXX XXXX XXXXXXXX has no statutory authority to effect change to credit records. 

This proves that TransUnion could not have verified the bankruptcy with the court, which is the only original source of bankruptcy information.

Under FCRA 611 ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable investigation and verify disputed information with the original source. However, TransUnion continues to mark this bankruptcy as previously verified, despite the court confirming they do not provide verification or communicate with any credit bureau.

This means : TransUnion did not contact the court TransUnion relied on third-party data TransUnion falsely certified verification TransUnion violated FCRA 611 ( a ) and 607 ( b ) TransUnion is reporting inaccurate and unverified information I am requesting the CFPB to require TransUnion to : Provide documented proof directly from the XXXX XXXX XXXX showing they verified this bankruptcy, including the name of the person contacted, or Delete this bankruptcy from my credit file immediately, since proper verification can not be produced. 

The bankruptcy court letter is attached as new evidence. 

This is a clear violation of federal law and is harming my creditworthiness. I am requesting immediate intervention.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
CFPB COMPLAINT MAXIMUM FORCE VERSION Bank : JPMorgan Chase Bank Executive Escalation Case : XXXX Handled By : XXXX XXXX XXXX SUMMARY Chase Bank exposed my Social Security information, personal financial documents, and a {$25000.00} account transaction to an unauthorized individual during a private banker meeting. A manager intruded into a confidential appointment, brought in a stranger, dismissed my business, and undermined another banker. This violates GLBA, ECOA, and CFPB UDAAP protections.

INCIDENT During a scheduled private consultation, another manager entered the office without authorization, brought an unknown individual inside, and exposed my identity, Social Security information, and account details. She dismissed my appointment, made discouraging remarks, and attempted to force me into her office while ignoring the branch managers objections. 
FEDERAL VIOLATIONS GLBA Financial Privacy Rule ECOA Discouragement Prohibition UDAAP Unfair and Abusive Acts Chase Internal Privacy Policies HARM CAUSED Exposure of private data, humiliation, emotional distress, and loss of trust. 
REQUEST TO CFPB A full federal investigation, enforcement review, corrective action, and assurance my information is safeguarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XX/XX/year> RMP Services LLC XXXX XXXX XXXX XXXX, OH XXXX Reference Number : XXXX Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Claimed Balance : {$1000.00} Subject : Formal Dispute, Debt Validation Request, and Cease & Desist Notice FDCPA 1692c ( c ) and 1692g ( b ) To Whom It May Concern, I am responding to your letter dated XX/XX/year> regarding the alleged medical debt referenced above. 
This letter serves as : 1. A formal dispute of this debt, 2. A request for full validation under the FDCPA, and 3. A cease-and-desist demand limiting communication to mail only.

1. Debt Validation Request ( FDCPA 1692g ( b ) ) Please provide complete and lawful verification of this alleged debt, including : Required Documentation : 1. A complete itemized breakdown showing how you calculated the alleged balance of {$1000.00}, specifically : - Original billed amount - Fees - Insurance adjustments - Insurance payments - Patient payments - Write-offs or contractual adjustments 2. A copy of the original signed medical intake/financial agreement or assignment of benefits establishing liability. 
3. Proof you are legally authorized to collect this specific debt, including a full chain of title or assignment from XXXX XXXX XXXX. 
4. A copy of any judgment, if one exists.

5. Verification directly from XXXX XXXX XXXX confirming : - The debt is valid - The amount is accurate - The debt is owed by me 6. Proof that the statute of limitations has not expired for medical debt collection in Illinois.


7. The name and address of the original creditor, if different from the above.

Until you provide ALL requested verification, you must cease collection activity, including reporting or threatening to report the debt to any credit bureau.

2. Cease & Desist Limited Contact ( FDCPA 1692c ( c ) ) Effective immediately, you are hereby notified : You may NOT contact me by : - Phone - Text message - Voicemail - Email - Social media - Any electronic method whatsoever You MAY contact me ONLY by postal mail and ONLY for the following reasons : - To provide the requested validation - To notify me that collection activity has ceased - To inform me of specific legal action you actually intend to take Any other contact will constitute a violation of the FDCPA. 

3. No Consent to Electronic Communications I do NOT authorize electronic communication of any kind.

4. Documentation & Reporting I am maintaining records of all correspondence. Any violation of my rights may result in complaints to : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - Illinois Attorney General - Legal counsel Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
For years I have been trying to open up a bank account with td bank and XXXX  XXXX bank I had a td bank account before and they closed it and when I called they just said we no longer want to do business with you my td debit card was lost and used by someone else and I reported this problem I even called the back and told them the charges that wasnt me and I even got prof that I never made those charges and they decided to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am writing to formally dispute several inaccuracies related to my credit report, as detailed below. These items are negatively impacting my credit score and must be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). I request that these issues be reviewed and rectified promptly. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Inquiries XXXX  Date : 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Regional Management Corporation
State: TX

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} Reporting contains incomplete and inconsistent data. 

No contract, itemized statement, or proof of ownership is provided. 

Missing required date of first delinquency, violating FCRA reporting accuracy standards. 
Request : Remove the account for failure to verify and incorrect reporting. 


XXXX. XXXX XXXX  Collection {$2000.00} XXXX  is a debt buyer and must provide full chain of title, which has not been provided. 

No original signed agreement or itemization is shown. 

Reporting is incomplete and unverifiable. 
Request : Delete for lack of verification and documentation under FCRA XXXX. 

XXXX. REGIONAL FINANCE XXXX Charge Off {$2700.00} Balance reporting appears inconsistent with XXXX XXXX laws. 

Account history shows inaccurate delinquency dates. 

No proof of the actual charged-off amount or accounting records. 
Request : Remove due to unverifiable and inaccurate information. 


XXXX. XXXX BANK XXXX XXXX  Days Late {$150.00} Payment history contains potential date inaccuracies. 

No documentation validating reported delinquencies. 
Request : Remove or correct due to insufficient verification. 


XXXX child support reporting furnished by Louisiana XXXX, {$8600.00} because : I was never provided the required advance notice before reporting ( a violation of FCRA XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX ). 

The information was reported in the format of a loan/trade line being passed due XXXX  days, which is not permitted under federal child-support reporting laws. 

The case is still in litigation, and therefore no arrears have been finalized or validated. 

No verification documents were provided to me prior to or after reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION XXXX RIGHT TO PRIVACY ( XXXX U.S.C. XXXX ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION XXXX ( a ) ( XXXX ) NO WRITTEN AUTHORIZATION GIVEN ( XXXX U.S.C. XXXX ) Pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION XXXX IMPROPER LATE PAYMENT DESIGNATION ( XXXX U.S.C. XXXX ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under XXXX U.S.C. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with non-monetary relief