vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In XX/XX/year>, my bank notified me that XXXX checksboth dated XXXXXXXX XXXXwere returned because they were never deposited. After multiple attempts to reach XXXX XXXX XXXX  who I had been sending payment to I received a return call during which I was informed that these accounts were returned to XXXX XXXX XXXX, possibly due to my residency in XXXX. 

I have lived in XXXX  for over XXXX years and was never informed of any licensing limitations or pending changes to account servicing. Additionally, I was not notified that my accounts with balances allegedly owed were closed, transferred, or returned. This raises concerns about possible misrepresentation, improper collection activity, and potential consumer protection violations for all XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
My vehicle was repossessed in XXXX. - I received restitution from the XXXX XXXX XXXX Settlement on XX/XX/XXXX, which included forgiveness of deficiency balances. - Despite this, a third-party collector XXXX XXXX XXXX XXXX /Crown Asset Management ( XXXX XXXX ) is garnishing my wages for the same debt, and XXXX has refused to confirm the debt was forgiven. I have : Participated in the settlement and received a payment Not been served any proper court documentation Been told by XXXX their settlement team cant provide legal info Sent formal dispute letters to both XXXX and XXXX XXXX The garnishment is active in XXXX Tn XXXX XXXX court ( XXXX XXXX ) case number XXXX I received my restitution payment from XXXX XX/XX/XXXX My settlement registration code number is XXXX Please assist. I am being wrongfully pursued for a debt that was to be cancelled as part of the class action suit and because the vehicle was repossessed the settlement term stated the debt should be waived. If any additional information is need please let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-26 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: LA

Complaint narrative:
3 separate collections. 

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  I'm unaware of this debt and did not have the opportunity to dispute these accounts. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete all accounts as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
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: EdFinancial Services
State: CA

Complaint narrative:
I am a victim of identity theft. I never attended, applied to, or enrolled at XXXX XXXXXXXX University XXXX, nor did I apply or accept any loans through ED Financial Services. The loans associated with my name and SS # are fraudulent and must be discharged immediately. The are XXXX fraudulent loans reporting on my credit report from ED Financial.

Company response to consumer: Closed with explanation
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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The addresses currently listed under my personal information are inaccurate and should not be associated with me. I have attached the necessary documentation to confirm my correct information. I am formally requesting that these incorrect addresses be promptly removed from 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 explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding a charged-off installment loan account reported by XXXX XXXX XXXX on my TransUnion credit report. The account shows a {$2400.00} balance on a loan with a high credit of only {$1800.00}, which suggests excessive or unlawful fees. 

On XX/XX/scrub> 2025, I sent a formal dispute letter under FCRA XXXX to TransUnion requesting : A copy of the original signed loan agreement An itemized accounting of all charges, fees, interest, and payments Documentation confirming that XXXX XXXX XXXX has the legal right to report this debt Proof that fraud alert verification protocols were followed To date, I have received no response or verification. However, the account continues to be reported as accurate with derogatory remarks such as charged off as bad debt and profit and loss write-off. Despite this, the balance remains active and negatively impacts my credit. 

I have an extended fraud alert in place. Under FCRA XXXX, the credit bureaus and data furnishers are required to contact me directly and verify my identity before reporting or verifying negative information. No contact or verification ever occurred. 
Harm Ive Experienced : Significant credit score damage Credit denials and higher interest rates Emotional distress due to false and unverified negative reporting Requested Relief : I am requesting the immediate deletion of this XXXX XXXX XXXX account from all credit bureaus for the following reasons : No verification provided under FCRA XXXX Failure to remove unverified information under FCRA XXXX Ongoing reporting of inflated balance inconsistent with loan terms Violation of fraud alert procedures under FCRA XXXX Attached is a copy of my original XXXX dispute letter dated 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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: 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: KY

Complaint narrative:
There are multiple accounts on my credit reporting that have fraudulent charges on them. I have disputed these charges and sent documentation proving I could not have used or had access to my accounts for the past 3 years. They did nothing to honor my disputes when clearly one can see that I was XXXX XXXX XXXX XXXX during the time my credit cards were being used.

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 2025-06-25 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: KY

Complaint narrative:
There are multiple accounts on my credit reporting that have fraudulent charges on them. I have disputed these charges and sent documentation proving I could not have used or had access to my accounts for the past 3 years. They did nothing to honor my disputes when clearly one can see that I was XXXX XXXX XXXX XXXX during the time my credit cards were being used.

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 card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name is XXXX XXXX XX/XX/XXXX dob ssn XXXX in XXXX. My synchrony bank card went into default in XXXX. It was removed from my credit score and from my credit about XXXX months ago I received a letter from a credit collection agency in regards to this debt from XXXX that was removed and Taken off my account. I believe they sold the debt to another company or try to reclaim a debt that was removed from my credit report and social. I want to report synchrony bank because they sent me to a credit collection agency and this agency has sent me a letter to collect on that debt from XXXX. They have restarted and reset the date to XXXX which is incorrect in a lie so legally, I want to see if my account is closed and removed from my social.

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 2025-06-25 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-25 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TN

Complaint narrative:
Equifax, TransUnion, Experian, and XXXXXXXX XXXX XXXX I am disputing a charged-off account from XXXX 's XXXX listed on mhy credit report. The account shows a charge-off status and is marked as " Profit and Loss Write-Off. '' However, I have never received a 1099-C form, which is required if the company claimed the debt as a tax loss. 

The balance of XXXX is still reporting, which is misleading if the company already charged off the debt and wrote it off for tax purposes. Under IRS rules, a 1099-C should be issued to the consumer, and uinder the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers are required to report accurate and complete information.

I requested proof from the company, but have not received any documentation verifying the balance or the tax status of the account. This account is damlaging my credit, and I'm asking for either : 1. Verification that the debt is still legally valid and collectible ( with supporting documentation ), or 2. Immediate delegtion of the account from all credit reporting agencies due to incorrect reporting and failure to provide a 1099-C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Equifax, TransUnion, Experian, and XXXXXXXX XXXX XXXX I am disputing a charged-off account from XXXX 's XXXX listed on mhy credit report. The account shows a charge-off status and is marked as " Profit and Loss Write-Off. '' However, I have never received a 1099-C form, which is required if the company claimed the debt as a tax loss. 

The balance of XXXX is still reporting, which is misleading if the company already charged off the debt and wrote it off for tax purposes. Under IRS rules, a 1099-C should be issued to the consumer, and uinder the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers are required to report accurate and complete information.

I requested proof from the company, but have not received any documentation verifying the balance or the tax status of the account. This account is damlaging my credit, and I'm asking for either : 1. Verification that the debt is still legally valid and collectible ( with supporting documentation ), or 2. Immediate delegtion of the account from all credit reporting agencies due to incorrect reporting and failure to provide a 1099-C

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 2025-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In early XXXX, I attempted multiple times to resolve an issue with my XXXX XXXX promotional account through XXXX chat support. At least XXXX times prior to XX/XX/XXXX, I contacted XXXX via chat to express my intent to pay the full promotional balance and any late fees, but not the deferred interest charges that appeared after the promotion expired. Each time I was told that nothing could be done, or I was met with vague responses that did not clearly explain the dispute process or timeline. 

The disputed amount is {$1400.00} in deferred interest, which was added to my account after the promotional period expired on XX/XX/year>. At the time, my region- XXXX XXXX, XXXX- was experiencing a major ice storm and widespread power outages from XX/XX/XXXX to XX/XX/year>. These outages severely impacted internet and mobile access. During this time, I could not log in to my XXXX account and did not receive mailed statements or effective notification that the promotional period had ended or that deferred interest would be applied. 

I believed that I had paid the promotional balance on time or had taken steps to do so. When I regained access in late XXXX or early XXXX, I discovered the {$1400.00} charge had been applied, and interest was continuing to compound. On XX/XX/year>, I again contacted XXXX through chat. An agent named XXXX XXXX told me the matter would be escalated for internal review. However, when I followed up on XX/XX/XXXX, another agent named XXXX confirmed that no dispute had ever been submitted. I was then escalated to a phone agent named XXXX and eventually to a supervisor named XXXX. 

XXXX informed me that XXXX policy only allows disputes related to promotional interest to be submitted within 30 days of the promotions expiration. Because I contacted them in XXXX, they claimed it was too late - even though I had made earlier attempts through chat and my ability to access the account was disrupted by a documented natural disaster. XXXX acknowledged on the call that this was why XXXX gave me the run-around in the first place. 

Throughout this process, I consistently offered to pay the full original balance and all late fees in good faith. My only request was that the {$1400.00} interest - triggered during a storm and without effective notice - be reviewed or reduced. XXXX repeatedly refused to provide a fair resolution, denied the opportunity to escalate my dispute meaningfully, and enforced a rigid XXXX rule despite clear hardship and their own misleading communication.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
From XX/XX/year> to XX/XX/year> XXXX charged me $ XXXX for a XXXX XXXX  XXXX XXXX never knowingly enrolled in. I already have a XXXX XXXX subscription for $ XXXX under my primary XXXX account . I have received no receipts or email confirmations, and XXXX support has not resolved the issue. I am seeking a full refund and a resolution. 

I have reached out to XXXX XXXX customer support and they would not admit that I am being double-charged nor provide me with evidence of which account was using the XXXX XXXX  XXXX 

The attached screenshot shows how I am being charge both {$99.00} and {$82.00} a month by XXXX for XXXX 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