vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX in XXXX, Florida, offered me financing for dental treatment and told me they would personally handle the financing. I was also told it would only involve a soft credit inquiry that would not affect my credit score. That information was false, they processed a hard inquiry without properly explaining or obtaining my full consent. Later, I discovered that instead of in-house financing, they had opened a CareCredit account in my name and charged it for a full treatment of three permanent crowns treatment that was never completed. After realizing what happened, I reported the account as fraudulent to my bank, and the card was cancelled. However, XXXX XXXX reported the CareCredit account as stolen and requested that it be reissued so they could recharge me for the same services I never received. I never authorized this reactivation or any new charges. I have emailed XXXX XXXX twice requesting they correct the insurance claim and stop the fraudulent billing, but they have ignored all my messages.Now I am being held financially responsible for a treatment I never received, while XXXX XXXX has already collected full payment from my dental insurance. This appears to be fraudulent and deceptive financial activity involving both my insurance and my credit 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 2025-10-22 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

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 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Would like to see proof that the debt collectors own this debir with a sign contract with the debt you all say i owe you that I signed with you. I have proof that my email, bank account and credit was compromised. As well as my social security number and date of birth was leaked by XXXX. Also I haven't lived at any of those attached address except the XXXX XXXX XXXX XXXX Mississippi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: 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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: GA

Complaint narrative:
I opened my checking account with Morgan Stanley XXXX Bank on XX/XX/year>. After verifying my documents, my account was approved and active. A few weeks later, my account was suddenly restricted, and I was asked to provide my ID and documents again, which I did. The restriction was later removed. 

On XX/XX/year>, my account was restricted again right after my paycheck was deposited. Since then, I have not been able to access my funds, use XXXX, make payments, or withdraw money. I contacted the bank multiple times by chat and phone and was told different things, including that my ID was unclear and that I needed to resubmit documents. I provided everything requested, but my account has still not been restored. 

As a result, my paycheck from XX/XX/XXXX is locked in the account, and another paycheck on XX/XX/XXXX was rejected and returned to my employer. I have bills and financial obligations that I cant meet because my money is being held without explanation or resolution. I simply want access to my funds or to close the account and have a check mailed to me for the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
XX/XX/year> I made reservations at the XXXX by XXXX in XXXX and I went to early check-in at XXXX in the morning. I had funds in my account because I had recently won money from the casino. I deposited over {$3700.00} within XXXX days and I had enough way more than enough to cover that being sent XXXX I swiped my cardthey put an authorization hold onto it. They put a authorization hold onto it so I ended up calling and I took the best protocol that Ive done by getting the email to the merchant so they can email you guys back for to release the hold that happened on the XXXX as well. The holiday was XXXX  and I called an accident on XXXX  with that affect anything of the final returning back to my account or anything, they reassured me that it was not gon na be an issue that being said on XXXX I made a call because it didnt. I didnt see nothing XXXX  I made a call. I didnt see nothing in both of them times, they were supposed to request a call back and they never never received the call nor email. I also started recording all of the conversations because they were all giving me the runaround and everyone was telling me a different story XXXX was telling me that it wasnt nothing in there and XXXX was telling me that that the merchant has it on hold with that was a lie and then I was giving faith I was given out it was giving me fake case ticket number and its been since the XXXX it is now the XXXX and it is way overdue for them to have my money. That long is nothing else that needs to be investigated nor disputed because it wasnt either. They thought it was a fraudulent activity and I verified that it was me and XXXX still waiting for them to release my funds and I have the screenshots or video recordings. I mean of the conversation as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
This bank needs to stop. They are preying on the unsuspecting and unknowing. They know we are so caught up struggling to exist that they can implement fees and charge for everything. This is a predatory tactic and its disgusting to say the least. They intentionally only give 60 and 90 days of current information and then charge XXXX or XXXX per page for processing fees. This is my information. I have a right to my information with out having to pay for it. This bank needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX  and XXXX  to disclose the source of {$390.00} payment on XXXX XXXX Please disclose who made {$390.00} payment on XXXX XXXX Disclose who received {$390.00} payment on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

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 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 TransUnion 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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 TransUnion 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHRISTUS HEALTH
State: TX

Complaint narrative:
On XX/XX/XXXX, I received medical services from Christus XXXX XXXX XXXX XXXX XXXX for an Esophagogastroduodenoscopy with Dilation performed by XXXX XXXX XXXX. 
The total amount billed was {$8400.00}. XXXX XXXX XXXX XXXX covered {$5700.00}, and Christus applied XXXX separate charity-care adjustments on XX/XX/XXXX ( {$720.00} ) and XX/XX/XXXX ( {$1900.00} ) under its Financial Assistance/Charity Program XXXX XXXX XXXX XXXX reducing my final patient balance to {$0.00}. The attached Christus billing statement confirms the balance was fully satisfied and Paid off. 


Despite this, Christus Health and its internal collections arm ( TLRA ) unlawfully transmitted my complete, itemized medical billincluding my procedure name, physician, facility, insurance information, and detailed line items for anesthesia ( {$3200.00} ), gastrointestinal services ( {$3500.00} ), supplies ( {$940.00} ), and pharmacy ( {$750.00} ) to XXXX XXXX XXXX, a XXXX-party debt collector. 

I never gave written authorization for the release of my XXXX XXXX XXXX ( XXXX ) to any outside entity. The disclosure violates XXXX XXXX XXXX. XXXX ( a ) and XXXX XXXX. XXXX, which restrict disclosure of PHI to third parties without valid authorization. Each unauthorized transmission of XXXX is a separate federal violation subject to civil fines up to {$50000.00} per occurrence and potential criminal penalties for willful misuse. 

After the illegal release, XXXX XXXX XXXX sent me a collection notice seeking payment for this same Christus accounteven though Christuss own ledger shows the account was resolved through charity care and a refund adjustment. 
This constitutes : False and deceptive collection activity under FDCPA XXXX5 U.S.C. 1692e & 1692f, Unlawful furnishing of inaccurate information under FCRA 15 U.S.C. 1681s-2, and Fraudulent or misleading debt collection practices under Texas Finance Code 392.304.

I previously contacted both Christus Health/TLRA and XXXX XXXX XXXX to demand deletion and correction, but no corrective action has occurred. The disclosure of my medical details without consent has caused significant distress and loss of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized phone number added Experian opened dispute report number XXXX but still illegally added the fraudsters phone number ( XXXX ) to my credit report. 

Incorrect personal statement My personal statement still displays the fraudsters phone number ( XXXX ) and has not been corrected. 

I called more than 10 times on their listed phone number and unable to reach a person to talk even though I am a paid member of their account. 

I have sent my personal information to the company to ask them to correct the phone number on the personal statement and it never gets corrected without a reason.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit report with a balance of {$1700.00}. This account was previously disputed and deleted/updated but has now been reinserted or updated without providing any legal documentation to substantiate the debt. XXXX has failed to provide the following as required under FCRA 611 ( a ) and FDCPA 809 ( b ) : Original signed credit agreement or contract Complete account ledger and payment history Chain of title or assignment proving ownership of the debt Method of verification used to verify the account with TransUnion Reporting a balance without proper validation constitutes furnishing inaccurate or unverifiable information, a violation of FCRA 623 ( a ) ( 1 ) ( A ). Additionally, I was not notified of any reinsertion as required by FCRA 611 ( a ) ( 5 ) ( B ). This has negatively impacted my credit score and ability to obtain financing. statements are not valid needs to be signed contracts or we are going to court

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 2025-10-22 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: AL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-22 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
My bank is holding my businesses info XXXX. I need pics of checks so for the irs and my bank offers bo way to retrieve those checks with out a fee. I shouldn't have to pay for my banking info. This needs to stop! Every single thing I do in regression to info request with this there is a fee involved. Its 100 % intentional. They only give me access to my banking info including the rears of 90 days? This is criminal and it has to be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-22 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief