vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am sending this complaint in pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute multiple inaccuracies reporting on my TransUnion credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} Date XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Additionally, I have been affected by multiple national data breaches other large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable information. These items violate FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ) and must be deleted promptly. 
Requested Action ( Required Under Federal Law ) Under FCRA 605B, 607 ( b ), 611, and FDCPA requirements, I am requesting that TransUnion : Conduct a reasonable reinvestigation Block and delete any identity theftrelated or unauthorized information Remove all unverifiable, inaccurate, or mixed-file data Provide written results of the reinvestigation Provide copies of ALL documentation used to verify disputed items ( per FCRA 609 ( a ) ) If any furnisher can not provide legally valid documentation including signed contracts, billing statements, or proof of permissible purpose the information must be deleted, not updated. 
Applicable Federal Statutes FCRA 605B ( 15 U.S.C. 1681c-1 ) Right to block identity theft and unauthorized information FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 ( a ) Right to receive verification documentation FCRA 611 Right to dispute and receive a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FDCPA 807809 Prohibits false, deceptive, or unverifiable collection activity.

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 2025-12-05 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-05 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: FL

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-05 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: NC

Complaint narrative:
I tried to dispute some medical bills that are normally covered by XXXX on XX/XX/XXXX. When I called on XX/XX/XXXX they said that XXXX couldnt cover it because I had to call and let them know once it had happened but I wasnt aware because XXXX always covers my medical bills. I was then set up with a payment plan since they told me I couldnt dispute it of {$54.00} that I have started paying yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
On XX/XX/year>XXXX  I took out a personal loan to pay off credit cards. The total loan was for {$25.00}, XXXX. The company was supposed to send the payments directly to my credits cards and then deposit the rest of the funds into my checking account. Originally I had seven total cards that I had included for them to pay that totaled around {$18000.00} and the rest would be deposited into my checking account. However, only five of my cards were paid. Two of the cards were never paid off. After contacting the company funds were deposited into my checking account for one of the cards that was not paid which totaled around {$5000.00}. But the last card, with a balance of {$2900.00} was never paid and the money was never deposited into my account. I have repeatedly tried calling, emailing and using their chat function to communicate. Though I have gotten responses, they have typically said that I should wait 3-5 business days for the funds to be deposited and then to check back. On a couple of occasions I was told to send bank statements and credit cards statements, which I did as asked, to prove I never received the money. Each time I have sent the requested documents, I have not received a response about the status of my funds. This past Monday I chatted with a customer service agent who said she escalated my case to whoever, but I still have not heard from anyone. To make the matter worse, funds for the payment of the loan were taken out of my account after I was told I wouldn't be charged until the matter was corrected AND I am paying on a loan for an amount I was not given. The total loan was for {$25.00}, XXXX, but I still have not received {$2900.00} of that loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Snap Recovery, Inc.
State: FL

Complaint narrative:
CFPB Complaint Snap Recovery ( Debt Collection Violations ) Company : Snap Debt Recovery ( also referenced as Snap Recovery ) Phone number used : XXXX ( unverified number not listed on their website or XXXX  profile ) Amount in dispute : {$500.00} Service date connected to dispute : XX/XX/year>XXXX  Summary of the Issue Snap Recovery attempted to collect a {$500.00} charge that the original creditor, XXXX XXXX XXXX XXXX, had already agreed to write off due to installation errors. Despite this, Snap Recovery pursued the alleged debt and made repeated calls to me and my husband. 

More concerning, Snap Recovery contacted my husbands parents, who have no connection to the alleged debt. The collector left a voicemail identifying both consumers by name, referencing a case # XXXX, and urging a call back to avoid further actions. This is not a request for location informationit is a debt-collection communication to a prohibited third party. 

How Snap Recovery Violated Federal Law 1. Illegal Third-Party Contact FDCPA 1692c ( b ) Snap Recovery disclosed consumer names, a case number, and implied consequences in a voicemail left for my husbands parents, who are unrelated to the alleged debt. This appears to directly violate FDCPA 1692c ( b ), which restricts third-party communication.

2. Misrepresentation of a Debt FDCPA 1692e Snap Recovery attempted to collect a written-off charge, misrepresenting the legal status of the debt. This appears to violate FDCPA 1692e, which prohibits false or misleading representations.

3. Use of an Unlisted, Unverified Phone Number Snap Recovery used XXXX, a number not associated with their official business listings. Their official numbers are toll-free only. This raises transparency and compliance concerns. 

Harm Suffered My husbands XXXX  parents experienced distress after receiving a threatening message about further actions. 

The collector disclosed information about an alleged debt to a third party. 

I was forced to spend time disputing a debt that should not have been pursued at all. 

Requested Action by CFPB I request that the CFPB : Investigate Snap Recoverys collection practices. 

Require Snap Recovery to cease all collection attempts regarding this alleged debt. 

Require written confirmation that the account is closed and will not be reported to credit bureaus. 

Ensure Snap Recovery takes corrective action to prevent illegal third-party communication in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX mishandled my XXXX XXXX unauthorized transaction dispute and has now placed my account in nearly {$1000.00} status, causing extreme financial hardship. I fear my account XXXX be closed or sent to collections, even though the transactions were unauthorized, and the investigation appears incomplete and inconsistent. 

On XX/XX/year>, my debit card and unlocked phone were lost in a public restroom while I was working in XXXX, Alabama. Unauthorized parties had access to my card number and my unlocked device during this period. XXXX fraudulent transactions were made during this time : XXXX. XXXX XXXX {$120.00} XXXX. XXXX {$570.00} I did NOT authorize these transactions, did not receive any goods or services, and did not benefit from them in any way. 

Despite providing this information to XXXX XXXX, they denied my dispute and then denied my appeal. They also reversed the {$120.00} provisional credit twice, creating a duplicate reversal and overdrafting my account even further. My account is now nearly {$1000.00} even though I am the victim of fraud. 

I have been a member of XXXX XXXX for several years and have never filed a fraud claim before. They have not provided any evidence showing that I authorized these transactions, which is required under Regulation XXXX XXXX requested documentation such as merchant records, device information, IP logs, or authorization details, but XXXX XXXX has refused to provide any. 

This dispute has caused severe financial hardship. I can not pay my bills and I am afraid my account will be closed or reported negatively even though I am the victim. I am respectfully requesting : A full reinvestigation of my unauthorized transaction claims Correction of the duplicate {$120.00} reversal Removal of the negative balance caused by unauthorized transactions A copy of all evidence XXXX XXXX used in making their decision Prevention of any negative credit reporting or account closure during this process I am requesting CFPB assistance because XXXX XXXX has not handled my dispute in compliance with Regulation XXXX and I am experiencing significant financial harm as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I closed all Bank of America checking, savings, and credit accounts in XXXX. In XX/XX/XXXX, I was contacted by a debt collector claiming I owed over {$4000.00} on a Bank of America XXXX XXXX credit card. I requested verification of the debt, including transaction-level statements and purchase verifications because did not make them. Bank of America confirmed the debt exists in my name but has refused to provide itemized statements, dates of transactions, merchant information, proof of authorization, or any documentation of a fraud investigation. 

I did not make these charges. I have requested multiple investigations and credit bureau disputes and have been given no documentation. I am requesting that the CFPB require Bank of America to provide verification of the alleged charges or remove the debt and correct the reporting.

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 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In around XXXX I financed a vehicle through XXXX XXXX for approximately {$39000.00}. The original loan term was XXXX months, with a monthly payment of {$870.00}. Currently, the interest rate is 16.54 %, which I believe is excessively high. I have not tried to resolve this with the company directly yet, and I'm seeking CFPBs assistance in reviewing the fairness of these terms.

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 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NJ

Complaint narrative:
I called to cancel loan payments because of outrageous interests rates and they hung up on me.

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 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Snap Recovery, Inc.
State: FL

Complaint narrative:
CFPB Complaint Snap Recovery ( Debt Collection Violations ) Company : Snap Debt Recovery ( also referenced as Snap Recovery ) Phone number used : XXXX ( unverified number not listed on their website or XXXX  profile ) Amount in dispute : {$500.00} Service date connected to dispute : XX/XX/year> Summary of the Issue Snap Recovery attempted to collect a {$500.00} charge that the original creditor, XXXX XXXX XXXX XXXX, had already agreed to write off due to installation errors. Despite this, Snap Recovery pursued the alleged debt and made repeated calls to me and my husband.

More concerning, Snap Recovery contacted my husbands parents, who have no connection to the alleged debt. The collector left a voicemail identifying both consumers by name, referencing a case # XXXX, and urging a call back to avoid further actions. This is not a request for location informationit is a debt-collection communication to a prohibited third party. 

How Snap Recovery Violated Federal Law 1. Illegal Third-Party Contact FDCPA 1692c ( b ) Snap Recovery disclosed consumer names, a case number, and implied consequences in a voicemail left for my husbands parents, who are unrelated to the alleged debt. This appears to directly violate FDCPA 1692c ( b ), which restricts third-party communication.

2. Misrepresentation of a Debt FDCPA 1692e Snap Recovery attempted to collect a written-off charge, misrepresenting the legal status of the debt. This appears to violate FDCPA 1692e, which prohibits false or misleading representations.

3. Use of an Unlisted, Unverified Phone Number Snap Recovery used XXXX, a number not associated with their official business listings. Their official numbers are toll-free only. This raises transparency and compliance concerns. 

Harm Suffered My husbands XXXX  parents experienced XXXX  after receiving a threatening message about further actions. 

The collector disclosed information about an alleged debt to a third party. 

I was forced to spend time disputing a debt that should not have been pursued at all. 

Requested Action by CFPB I request that the CFPB : Investigate Snap Recoverys collection practices.

Require Snap Recovery to cease all collection attempts regarding this alleged debt.

Require written confirmation that the account is closed and will not be reported to credit bureaus.

Ensure Snap Recovery takes corrective action to prevent illegal third-party communication in the future.

Company response to consumer: Closed with explanation