vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ADS Resolve LLC
State: NC

Complaint narrative:
XX/XX/year> XXXX pm I received a call from " XXXX XXXX '' stating it appeared that someone was trying to open a new card in my name. He said he noticed they wanted the card mailed to a CA address, but I live in NC, he was questioning the validity of the application. When I denied opening it, he declined the request, stated he had to report this to my other credit cards as fraud and immediately transferred me to " CFPB ''. This man was very aggressive and insisted I MUST do a debt consolidation, even though I was not in arrears with anyone and my credit score was good ( XXXX ). I hung up on him multiple times, he called back from different numbers more than 2 dozen times. The man who stated he was from CFPB had ALL my credit card information, including credit card numbers, amounts owed, etc. Everyone I spoke with also had all this information prior to talking with me. I also received XXXX calls from " XXXX XXXX XXXX ''. During this time I tried explaining that I was working and could not talk. I am an on call supervisor for a XXXX agency. He kept calling back. Eventually the XXXX XXXX XXXX  transferred me to American Debt Relief '', who transferred me to ADS Resolve. Since my debt was high, I thought this was a good idea. My sister had used them years ago, so I thought this was valid. In the long run, I did sign a contract allowing them to contact my creditors on XXXX accounts. My SS benefits go into XXXX, so we did not include that card yet, it is to be added after my SS payment transfer to a new bank. I did switch banks, ADS does not have that information, to my knowledge. The contract states I have to pay ADS {$13000.00}, which they billed to XXXX and XXXX. In my contract with ADS, signed on the XXXX, the money was suppose to go to escrow. I found out later that the ADS website states they do not use escrow and the money is non refundable. I did allow this money to be billed, as I thought that ADS was legal. It took several attempts to make the withdraws, as both XXXX and XXXX flagged them as fraudulent. I did allow the transactions to go through. On the first attempt at XXXX, when I called the fraud department they mentioned that the money was to be transferred to an account in the XXXX XXXX. That was not the case the second time. 
I found out just a week ago that this is illegal- they can not bill until after they settle with the credit card companies. I have since rescinded all authorization of ADS with my credit cards, and reported the fraudulent activity. I did consult 2 lawyers, who advised filing against the company for fraud. 
I have since reported the fraud to all credit card companies involved and obtained new cards.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I am writing in response to your recent communication regarding the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of this alleged debt. 

Please provide the following : XXXX. The name and address of the original creditor XXXX. The original account number XXXX. The amount of the debt, including any interest, fees, or other charges XXXX. Documentation that proves I am legally obligated to pay this debt XXXX. Proof of your authorization to collect this debt on behalf of the original creditor Please also note that during the verification process, you are not permitted to continue collection efforts or report this debt to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent Equifax a methods of verification letter but still this is of no use they wont repsond I tried to deal with this with Equifax directly, but I dont feel like anyone 's really helping me. I disputed the accounts already, but they just said they was verified and never told me how. Like verified with who? I sent out a method of verification letter on XX/XX/XXXX certified mail and waited and waited ... ive certified maile everyhtubg and still thye dont help me still nothing. Not even a letter back. 

These accounts still showing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Its like they just marked it verified and forgot about me. I feel stuck and like Im being ignored for real. Ive been tryin to do everything right but this whole thing is messing with me honestly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$3100.00} ; DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$5600.00} ; DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-25 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: LA

Complaint narrative:
Date : [ XXXX ] To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, to dispute and request the removal or correction of inaccurate and inconsistent information reported on my credit file across TransUnion, Experian, and Equifax.

I have reviewed my credit reports and found multiple discrepancies involving the same account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : XXXX. Account Status Discrepancy : TransUnion and XXXX  report the account as Open, while XXXX  reports it as Closed and Charged-Off as of XX/XX/year>. This inconsistency raises concerns about the accuracy and completeness of the information being reported. 
XXXX. Balance Inconsistency : The balance reported by TransUnion and Experian is {$3400.00}, while Equifax reports {$3500.00}. This variation should be verified and corrected or removed if inaccurate. 
XXXX. Delinquency Reporting Variance : There are significant differences in the reported dates and number of delinquent payments among the three bureaus ( 30, 60, 90, 120-day lates ). This makes the overall reporting misleading and harmful to my credit profile. 
XXXX. Dispute Notation Missing on XXXX  : I am formally disputing the accuracy of this account, and under FCRA guidelines, that dispute status must be reflected on my file. 

According to 15 U.S.C. 1681c-2, a consumer reporting agency shall block the reporting of any information that is the result of identity theft or is otherwise inaccurate, once the consumer provides proper documentation and a formal dispute. 


.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Date : [ XXXX ] To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, to dispute and request the removal or correction of inaccurate and inconsistent information reported on my credit file across XXXX, Experian, and XXXX. 

I have reviewed my credit reports and found multiple discrepancies involving the same account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX. Account Status Discrepancy : TransUnion and Experian report the account as Open, while Equifax reports it as Closed and Charged-Off as of XX/XX/year>. This inconsistency raises concerns about the accuracy and completeness of the information being reported. 
XXXX. Balance Inconsistency : The balance reported by XXXX  and Experian is {$3400.00}, while XXXX  reports {$3500.00}. This variation should be verified and corrected or removed if inaccurate. 
XXXX. Delinquency Reporting Variance : There are significant differences in the reported dates and number of delinquent payments among the three bureaus ( 30, 60, 90, 120-day lates ). This makes the overall reporting misleading and harmful to my credit profile.

4. Dispute Notation Missing on Equifax : I am formally disputing the accuracy of this account, and under FCRA guidelines, that dispute status must be reflected on my file.

According to 15 U.S.C. 1681c-2, a consumer reporting agency shall block the reporting of any information that is the result of identity theft or is otherwise inaccurate, once the consumer provides proper documentation and a formal dispute. 


.

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 2025-06-24 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: CA

Complaint narrative:
I recently reviewed my credit report and found several accounts that I did not open, authorize, or use. These accounts are fraudulent, and I am not responsible for any transactions, balances, or delinquencies associated with them.

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 2025-06-25 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: GA

Complaint narrative:
Subject : Denial of Access to Credit Report Identity Theft Victim Complaint Against : Equifax Information Services LLC Issue : I am unable to access my consumer credit report through Equifax. I am a victim of identity theft and have serious concerns about the integrity and accuracy of the information being reported under my name. 

Details : After submitting a request to update my personal information with Equifax including my drivers license, Social Security card, and proof of residence I have been denied access to my credit file. 

This denial has occurred despite providing all required identity verification documents. I have a right under the Fair Credit Reporting Act ( FCRA ) to access my credit report, especially as I am actively disputing inaccurate and potentially fraudulent information due to identity theft. 

I am concerned that fraudulent activity may still be occurring or going unaddressed in my file, yet I have been blocked from reviewing or correcting it. 

Impacts : My inability to monitor my credit report prevents me from disputing incorrect or fraudulent entries. 

This has caused financial stress and delays in securing housing and credit. 

Equifax is violating my rights under FCRA 609 ( right to obtain disclosure ) and FCRA 611 ( dispute and reinvestigation rights ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a PayPal Credit account ( issued by Synchrony Bank ) and was charged {$190.00} on, which XXXX can not provide me where the charge is coming from. I have contacted PayPal Credit multiple times and spoke to several supervisors, but they have been unable to explain the charge or provide documentation. Each time, Im told it will be reviewed by their back office and corrected within two billing cycles, but it never is. I am formally disputing this charge and requesting CFPB assistance to resolve it. The company has not honored my dispute rights under the Fair Credit Billing Act.

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 2025-06-24 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: VA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-06-24 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report two fraudulent account ( s ) appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan account opened at XXXX XXXX on XX/XX/year> under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$27000.00}, and a loan account opened at XXXX  XXXX on XX/XX/year> under the account number XXXX XXXX XXXX XXXX with a balance of {$7100.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-06-24 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief