vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: CT

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these 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 non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX obtained default judgment due to improper service, I was not the recipient of summons and never received notification of subsequent garnishment. 
XX/XX/XXXXXXXX  My motion to the court to vacate was granted meaning the interest, the garnishment, and case was terminated. 
XXXX XX/XX/XXXXXXXX  I contact XXXX to set up arrangements to pay the {$3600.00}. XXXX said she had to contact XXXX to confirm that was acceptable. 
Late XX/XX/XXXX I call and leave voicemail at XXXX with nothing response. I called XXXX consumer affairs to explain what I was waiting on, they contacted legal to contact XXXX XX/XX/XXXX XXXX with XXXX calls and to state that XXXX accepted the agreement to pay {$400.00} on XX/XX/XXXX and XXXX on the XXXX of every month until the XXXX is paid with no discussion changed cost or fees ( I have a recording to verify ) I asked if it could be emailed to be and was told no it would be mailed. 
XX/XX/XXXX Document arrives in mail 5 days before payment is due " consent to judgements '' demanding I pay the vacated amount including 23.7 % interest backdated 15 months at the payment terms discussed. 
XX/XX/XXXX prior to the date of discussed and documented first payment something was processed through the court on a closed/terminated case with a vacated judgement. I was still not served this document. 
XX/XX/XXXX I logged into XXXX payment sote and made payment of {$400.00} There were also payment plan options available to choose from. I called and reiterated our verbal agreement to XXXX and was told that they would not negotiate. 
XX/XX/XXXX logged into XXXX site payments still available and options to create new plan as well with adjusted balance although also a different balance than listed anywhere else. 
XX/XX/XXXX logged in to make additional payment and balance says blocked and to call to make payment I have called, left a voicemail, called original creditor, and have been blocked from online payments, I have screenshoots, requests for call recordings, and have made every attempt to settle the pre judgement amount because had I been properly notified this never would have gotten to court in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Since filing bankruptcy and having it discharged on XX/XX/year>. I have been working to rebuild my credit by maintaining consistent employment. The continued presence of the bankruptcy record is disproportionately impacting my ability to secure fair credit opportunities.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Since filing bankruptcy and having it discharged on XX/XX/year>. I have been working to rebuild my credit by maintaining consistent employment. The continued presence of the bankruptcy record is disproportionately impacting my ability to secure fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have had a Amex gift card for a while and I can not use it anywhere no matter how many times I try to I have tried contacting support I know I still have XXXX $ in it Ive contacted support they have been no help at all and its been activated and I just dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: Early Warning Services, LLC
State: MA

Complaint narrative:
Looked into my XXXX  XXXX  and experience reports noticed these inquiries from XXXX XXXX and XXXX XXXX, which was not supposed to be there. I did not tell them to do that. They need to remove themselves from that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: VA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Company Complained About : Southwest Recovery Services, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account # : XXXX Credit Bureaus Involved : Equifax, Experian Complaint I am filing this complaint against Southwest Recovery Services for failing to provide required debt validation and for continuing to report unverifiable information to credit bureaus. 

On XX/XX/year>, I mailed a Debt Validation Request under FDCPA 809 ( 15 U.S.C. 1692g ). Southwest Recovery Services signed for delivery on XX/XX/year> ( see attached certified mail receipt ). 



To date, I have received no response to that request. 

Despite failing to validate, XXXX continues to report a {$3300.00} collection account for XXXX XXXX XXXX to XXXX and XXXX. 

I disputed this account with both bureaus earlier this year ( 2025 ). Both disputes came back as verified even though XXXX never validated the debt with me as required by law. 

This is a violation of : FDCPA 809 failure to provide validation before continuing collection.

FCRA 623 furnishing inaccurate and unverifiable information to consumer reporting agencies.

GLBA ( 15 U.S.C. 68016802 ) unauthorized disclosure of my nonpublic personal information to credit bureaus without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion notified me in writing that my personally identifiable information, including my Social Security number and date of birth, was compromised in a data breach under their custody. 

Despite this breach, TransUnion continues to report inaccurate, unverifiable, and potentially fraudulent accounts and inquiries on my credit file. I have disputed these items under my rights in the Fair Credit Reporting Act ( FCRA ), but TransUnion responded with a generic verified status without providing proof. 

This is a violation of : 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft/fraud.

15 U.S.C. 1681i Failure to reinvestigate disputed information.

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 2025-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Comenity Bank regarding unexpected interest charges on my furniture credit card account. When i made this purchase, I understood the financing to be promotional and intrest free. The store where i made the purchase has since closed, and i was never clearly informed that the deffered or retroactive interest would be applied if the balance was not paid by a certain date. Recently, I discovered that Comenity Bank added interest charges to my account. These charges were not disclosed to me in a clear way at the time of purchase. On XXXX XXXX, I contacted Comenity Bank and spoke with a representative named XXXX to try and resolve the issue. I explained that i was not aware of the interest charges and requested that they be removed so i could pay the promotional balance in full. My request was denied. This has caused confusion and financial hardship. I am not refusing to pay, I simply request that the interest charges be removed so i can pay the original promonyional balance in full as respresented at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CT

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXXXXXX XXXX XXXXXXXX - Account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Upper XXXX, MD XXXXXXXX XXXX XXXX XXXXXX/XX/year> Columbia Debt Recovery XXXX, WA XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing regarding the collection of an alleged debt. This is not a refusal to pay, but a notice that I am requesting validation of the debt as provided under the Fair Debt Collection Practices Act, 15 USC 1692g. 
Please provide me with the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized statement of fees and interest.

3. A copy of the original signed agreement or contract creating the obligation.

4. Verification that you are licensed to collect debts in my state, including your license number. 
I request that all future communications regarding this matter be in writing only. Until you provide the documentation requested, please cease all collection activities, including reporting this debt to any credit reporting agencies. 
If you are unable to provide proper validation, please remove this item from your records and from any credit bureau to which it has been reported. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
: Fraudulent Account and Hard Inquiry Dispute under FCRA Immediate Deletion Requested To Whom It May Concern, This letter is a formal notice that the following account and hard inquiries were fraudulently reported under my credit file without my authorization. As permitted by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and supported by the FTC Identity Theft Affidavit enclosed, I am demanding the immediate permanent deletion of all listed fraudulent data from my credit profile. 

FRAUDULENT ACCOUNT : XXXX XXXX XXXX Original Creditor : CASHNETUSA Account Number : XXXX Opened : XX/XX/year> Balance : {$2200.00} I have never applied for, used, or authorized this account. This account was opened and reported without my consent. 

UNAUTHORIZED HARD INQUIRIES : The following hard inquiries were made without my knowledge or consent, in direct violation of FCRA Section 604 ( a ) ( 3 ). 

Creditor Inquiry Date XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> 2025

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 2025-09-26 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-26 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
While traveling abroad, my flight was cancelled. I called Chase to confirm the benefits of my travel insurance. I was assured on the phone that the cost of a hotel would be covered up to {$1500.00}. 

It has been months of fighting with chase and they refuse to provide the recording of the call. They have either hung up or stated a manager will call back. 

Chase mis-represented my coverage after they verbally confirmed I was covered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-26 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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