vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been contacting XXXX XXXX  for the last 5 months regarding missing payment information ( there is no payment information/status for the months XXXX, XXXX or XXXX ) and a high balance ( XXXX which is incorrect ) on my credit reports, more specifically on my transunion report and every time I am being told that the isssue has been fixed or I am being written off and told to contact their third party. When disputing with the credit reporting agency, transunion has come back stating that XXXX XXXX  is saying that the information they have is correct when it is not. I am uploading my transunion report and located on pages XXXX shows the missing information and the incorrect balance that needs to be updated.

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 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
on XX/XX/year> my card was lost i was charged {$29.00} from a foreign company i disputed this with current bank and they denied the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
XXXX. Citizens Bank Account Abuse Closed XX/XX/XXXX Paid in Full 2. Citizens Bank Account XXXX Closed XX/XX/XXXX Unpaid XXXX. All inquiries appearing on my XXXX file, including but not limited to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX behalf of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all others listed. 

Reasons for Dispute : The Paid in Full Citizens Bank entry is misleading and defamatory, as no account that has been settled in full should remain labeled under Account Abuse.

The Unpaid Citizens Bank entry is unverified. No original signed documentation proving liability, accuracy, or current legal collectability has been provided.

The multiple inquiries are excessive, unauthorized, and not backed by my direct written consent. Under the FCRA, XXXX must ensure inquiries are legitimate and properly authorized. These inquiries are incomplete, unverifiable, and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This Third party company is affecting my credit with a debt that was never established by me. 
Its showing on my credit report that one account was opened XXXX XXXX and the balance is {$910.00}. The other account is {$1000.00} opened XX/XX/year>. I have never established any credit with this company or any company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I dont recognize those inquiries Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681b, a consumer reporting agency may only furnish a credit report when there is a permissible purpose and when the consumer has authorized it. Since I did not authorize these inquiries, they violate my rights to privacy and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attempted on several occasions to dispute fraudulent information on my credit report with all three credit bureaus. I have not been provided with any information after sending this creditor a letter more than 30 days ago to provide Validation of the debt, A signed Invoice, and A copy of the contract binding both parties, in a letter by certified mail, so that there is an independent witness to it having been delivered. Experian, XXXX, and XXXX  continuously fail to investigate/reinvestigate this information. There are laws in place, such as 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] that are not being upheld, and I have received NOTHING verifying that this debt belongs to me. I have also never lived at the Address that this debt is tied to, and I have requested that the address be removed from my report as well.

Please remove this debt from my credit report immediately! 

Account Number XXXX XXXX XXXX {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint about CareCredit/Synchrony Bank XXXX 

I enrolled in a promotional 0 % deferred interest plan for {$1200.00}. I have been paying {$100.00} every month with the expectation that the balance would be fully paid off within 12 months. However, after only 4 months, the company added {$120.00} in deferred interest charges to my account. This is unfair and misleading, since I have been paying regularly and in good faith according to the plan. 

I tried to contact CareCredit customer service multiple times by phone, but I could only reach an automated system and was never able to speak with a live representative. There is also no clear way to send them a written message directly. This makes it impossible to resolve my issue with the company.

I am requesting that the {$120.00} in deferred interest charges be removed and that CareCredit/Synchrony Bank be required to provide proper customer service channels for resolving such issues.

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 2025-08-25 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: CO

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Transunion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX which the banks confirmed would be removed but remains on my report ; All were identity theft-related and should have been blocked under 1681c-2 of the FCRA. Transunions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me XXXX  XXXX, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>2025, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: SC

Complaint narrative:
I have submitted the request based on two factors for discharge.

1. The income doesnt support the predatory interest by XXXX , XXXX and Mohela , which my loans from XXXX went through all three of these in fifteen years which has escalated to the balance of {$65000.00} from a community college. 
2. Applied for PSLF after working for a non profit healthcare facility for ten years submitted all Documents and applications three times.

3. I have worked hard in public service, healthcare and the income that came with this doesnt allow me to pay this mortgage of a loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLVNV Funding LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPursuant to 15 U.S.C. 1692g\nTo Whom It May Concern,\nI am formally disputing the alleged debt referenced above. You claim I owe XXXX XXXX XXXX XXXX This debt is not recognized, and I am demanding full validation pursuant to the Fair Debt Collection Practices Act (15 U.S.C. 1692g).\nYou are hereby notified:\nAll collection activity must cease immediately until proper validation is provided.\nYou must supply:\nA copy of the original signed contract/agreement establishing a legal obligation to pay.\nA full itemized accounting of the alleged balance, including all fees, interest, and charges.\nProof of your legal authority and ownership to collect on this account (chain of title, assignment agreements, bill of sale, etc.).\nVerification that this account is not past the statute of limitations for collection in my state.\nLet me be clear: a bill or statement is not validation. A bill is not validation under federal law. Courts have consistently held that mere billing records do not satisfy the debt collectors obligation to provide full verification.\nIf you cannot produce the required documentation within 30 days, you must:\nDelete this account XXXX from all credit bureau reporting (XXXX XXXX XXXX).\nCease all collection attempts permanently.\nUnderstand that continued violations will result in complaints being filed with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my State Attorney Generals Office, in addition to potential civil litigation for damages under 15 U.S.C. 1692k.\nThis is a legal demand  not a request. Govern yourselves accordingly.\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CO

Complaint narrative:
Bounce AI is reporting mathematically impossible information to all credit bureaus : IMPOSSIBLE DATES BEING REPORTED : - Date of First Delinquency : XX/XX/XXXX - Account Opened : XX/XX/XXXX This shows the account was delinquent 7 MONTHS BEFORE IT EXISTED. 

ATTEMPTS TO RESOLVE : 1. Filed disputes with all three credit bureaus 2. Equifax completed investigation and shockingly " verified '' these impossible dates as accurate ( Confirmation # XXXX, dated XX/XX/XXXX ) XXXX. Bounce AI continues reporting false information VIOLATIONS : - FCRA Section 623 ( a ) ( 1 ) ( A ) - Furnishing information with knowledge of errors - FCRA Section 623 ( a ) ( 1 ) ( B ) - Systematic reporting errors- FCRA Section 623 ( b ) - Failure to investigate disputes properly REQUESTED RESOLUTION : 1. Immediate deletion from all credit bureaus 2. Cease all collection attempts 3. Written confirmation of deletion 4. Investigation of how this occurred 5. Compensation for credit damage This is not a complex dispute - the dates are impossible. An account can not be delinquent before it exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C/C Financial
State: FL

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under CPLR.

8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX XXXX  and XXXX XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
b"I am filing an FTC identity theft report regarding fraudulent accounts that have appeared on my consumer credit report.\XXXX XXXX XXXX XXXX\nContents of Complaint: This CFPB complaint has been filed to request pursuant to FCRA  605B\n(15 U.S.C.  1681c-2) that you, the TransUnion credit, equifax and experian credit bureaus reporting agency, block information appearing on my consumer\ncredit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This\nfraudulent, inaccurate, and false information consists of a personal credit card account opened at American Express on\XXXX XXXX XXXX under the account number (private), an auto loan account opened at XXXX XXXX XXXX XXXX on\XXXX XXXX XXXX under the account number (private), a personal loan account opened at XXXX XXXX XXXX on XXXX XXXX XXXX under the account number (private), and a collections account opened at DNF Associates\non XXXX with a balance of $(private) that appears related to the aforementioned personal loan account opened at\nPentagon Federal Credit Union. These accounts have resulted in several fraudulent hard inquiries and fraudulent\ncollections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as\na copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do\nnot recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts,\ncollections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or\ninitiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and\nfraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(191768815r) as proof from the US\nFederal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are\nthe result of identity theft and fraud.\n\n\n I do not recognize these accounts, which are the result of identity theft and fraud. The fraudulent accounts include:\n Complete credit Solution acct number XXXX\nopended XXXX XXXX XXXX acct number XXXX  opened XXXX XXXX XXXX XXXX acct number XXXX opene XXXX Per Pay acct number XXXX XXXX XXXX XXXX acct number XXXX  opened XXXX\n\nThese accounts have also led to fraudulent hard inquiries and collections being reported on my consumer credit file."

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Information listed on my credit report is an accurate and false. my credit report says this account is closed. It is not closed. It is open and paid in full. It also has a discrepancy of payments the payments they are displaying on my credit report does not match the payments that have been made. I took screenshots included within this complaint. Im asking for this to be updated as well as the late payment. That is false accurate I had a duplicate charge that came through on my card and they had to correct it. They told me not to pay it now theyre showing it as late as well. Ive had several issues with this account so One the payments do not match thats report on the credit report to the late payment should not be there three the account is still open

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX  is hard inquiries on my credit report that I did not authorize

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 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
1. Comenity Bank acct XXXX Opened XXXX XXXX Account Closed but still reporting past due, {$3600.00} closed in XXXX .. reported as Identity Theft. 
2.Comenity Bank/XXXX XXXX , company is out of business account number XXXX amount {$1600.00} still reporting late payments as of XX/XX/XXXX account was closed XXXX. Also included in the fraud. 
3. Comenity/Bank XXXX account number XXXX opened XX/XX/XXXX closed XX/XX/XXXX still reporting late although closed as of XX/XX/XXXX also part of the fraud {$610.00}. 
4. XXXX XXXX, opened XX/XX/XXXX account number XXXX paid in settlement but still reporting as late in XX/XX/XXXX as a charge off. 
5. XXXX  XXXX account number XXXX opened XXXX consumer statement I sent in a consumer statement stating this was not mine. It was open fraudulently and used and its still showing past due as of XXXX XXXX {$970.00} 6. XXXX, account number XXXX opened XX/XX/XXXX still showing past due as of XX/XX/XXXX charge off closed account {$1800.00} was also part of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding a medical collection account reported by United Collection Bureau for XXXX XXXX XXXX XXXX. I was never properly notified or provided validation of this debt as required by law. I dispute the validity of this account and have repeatedly requested full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Specifically, I requested the following documents, which have not been provided : Original agreement/contract Full itemized statement of charges Forward flow agreement Chain of title/assignment documents Payment history records Validation notice under FDCPA 1692g Notice of default or intent to collect Proof of statute of limitations Credit reporting agreement with bureaus Documentation of prior dispute investigations under FCRA 1681i Instead of proper validation, I have received only generic, automated template responses. This debt remains unverified, incomplete, and inaccurate, yet continues to be reported on my credit file. Reporting an unverifiable debt violates FCRA 1681e ( b ), 1681s-2 ( b )
and FDCPA 1692g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates judgment, File Number XXXX and Case Number XXXX from XX/XX/XXXX, for {$2200.00} plus {$290.00} in court fees. I discovered the XXXX in XX/XX/XXXX via a XXXX  title search. The affidavit of service claims mailing on XX/XX/XXXX, but I dont recall receiving it, and even so the 28-day period violates SCRCP Rule 12 ( a ) ( premature judgement to pressure settlement while seeking a lawyer ). I was also grieving my grandmothers passing on XX/XX/XXXX. Im concerned about potential FDCPA violations. I would like legal resources in South Caroliina or refferals to consumer law attorneys in South Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation