vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

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 2025-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Management, Inc
State: SD

Complaint narrative:
Accounts Management Inc. Unsure of dates in which this started, just recieved notice that Im being sued for a medical debt from a third party company that I now believe has been harassing me on the phone after some research, however I had never recieved any documentation from this company that I even had a debt prior to getting notice that I was being sued.

1. No notification of debt 2. Notification Im being sued for a debt I was not formally notified of in writing 3. Through research discovery that the company was harassing me via phone, however I do not answer random unknown numbers hence then importance of written documents 4. Im now under legal prosecution for this when I was never notified 5. They violated my rights under the FDCPA

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/year>, a debt was reported to my credit by IQ data international inc. This was done before I received any debt validation notice, which I requested via phone, and email. This was finally mailed on XX/XX/year> and received on XX/XX/year>. This violates the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F, which prohibit reporting a debt before the consumer has had a chance to dispute or verify it. 
Additionally, the amount reported was incorrect. The original creditor did not provide a final accounting of the debt until XX/XX/year>, via email, weeks after the debt was already reported to my credit. 
Before receiving the notice, I was contacted multiple times by a representative who was extremely rude and attempted to intimidate me. I recorded XXXX of these calls on XX/XX/year>, where her tone and behavior were aggressive and unprofessional. I tried to call explain to her I was going to pay the debt, but that the XXXX XXXX  managers were not done with the ledger, and therefore I had no final amount to pay. She continued to demand the amount they ultimately reported which is above the actual amount that was owed. She also told me she did not have to mail me a deb verification because she was notifying me via phone. 
These actions have caused unnecessary stress and damage to my credit. I am requesting that this debt be removed from my credit report and that the company be held accountable for violating federal consumer protection laws. They have a high volume of complaints for doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: AZ

Complaint narrative:
I noticed a collection account on my Chase Bank Credit Journey helper on XX/XX/25. The credit helper said that I missed several payments already in the months of XXXX, XXXX, and XXXX with DESIGNED RECEIVABLE SO. I don't recognize the company, was never notified that I even owed anything. I don't know where the balance they have listed of {$1200.00} has come from or even recognize the amount. I believe it to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX my accounts from Chase were closed without any explained reason, they didn't ask me anything or inform me, causing me too much damage. To this day, XX/XX/XXXX, I have no answer as to what happened because part of my money was given to the person who made the wire transfer to me, and I also don't know what happened to the remaining money. I have called too many times and I always get the same answer : the person in charge is not there and that they will return my call, which never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my Navy Federal Credit Union debit card ending in XXXX. 

On or around XX/XX/year> unauthorized transactions totaling {$1800.00} were processed on my account. I did not authorize these charges, nor did anyone with my permission. My debit card was stolen. 

I reported the fraud to Navy Federal immediately. Navy Federal opened a claim but later denied my dispute, stating that I authorized and/or participated in the activity. This is false. Navy Federal has refused to provide provisional credit during its investigation and has not provided documentation showing how they determined I authorized the charges. 

This conduct violates the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ), which require : A reasonable investigation of unauthorized transactions, Provisional credit within 10 business days if the investigation takes longer, Full resolution within 45 days ( or XXXX in limited cases ), and Documentation of the evidence relied upon to deny the claim. 

Despite my timely notice, Navy Federal has not complied with these requirements. I am left without access to funds that were taken from my account fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: AZ

Complaint narrative:
There are unauthorized hard inquiries on my credit report that I did not approve. Under 15 U.S.C. 1681c-2 ( FCRA 605C ), I have the right to request that consumer reporting agencies block and remove information resulting from identity theft or transactions I did not authorize. I am requesting that these inquiries be deleted immediately from my credit file in compliance with the law. The hard inquires include : 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, This letter serves as my formal and final demand for the IMMEDIATE deletion of inaccurate and outdated information currently being reported on my credit file. As per the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ), it is a direct violation of federal law for a consumer reporting agency to knowingly report information that has been confirmed as inaccurate or outdated. 
Despite my previous attempts to resolve this matter amicably, your agency has failed to comply with your legal obligation to ensure the accuracy and completeness of the information you report. I am referring specifically to the following item ( XXXX ) XXXX XXXX  XXXX {$1200.00}, DPT EDXXXX XXXX {$3500.00}, DPT EDXXXX XXXX {$2900.00}, DPT EDXXXX XXXX {$2300.00} XXXX XXXX XXXX {$1300.00}, XXXX  XXXX XXXX {$21000.00}, XXXX XXXX {$1300.00}, XXXX  XXXX XXXX {$500.00}, XXXX XXXX {$17000.00}, XXXX XXXX XXXX XXXX {$720.00}XXXX XXXX XXXX XXXXXXXX {$1000.00}, XXXX XXXX, XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXX {$320.00}

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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in XXXXXXXX XXXX XXXX XXXXXXXX was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. TransUnion has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

TransUnions actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of TransUnions violation and my demand for immediate corrective action.

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 2025-09-01 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: AL

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( s ) listed below were returned as " verified '' without providing me with the details of the investigation. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 

All documentation you have on file retrieved during your investigation. 

Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Charge-Off Under GAAP Dispute Letter Your Name : XXXX XXXX NOW XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Phone Number XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX if available XXXX, TX XXXX per credit report ] Re : Account # XXXX Auto Loan Name on account : XXXX XXXX Subject XXXX XXXX Dispute of Charge-Off Reporting Under XXXX & FCRA To Whom It May Concern, I am formally disputing the reporting of the above-referenced account as it is inaccurate, incomplete, and not in compliance with GAAP ( Generally Accepted Accounting Principles ) XXXX the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX reporting standards. 
According to my credit report, this account is listed as : Status : Charged Off {$11000.00} written off Balance : {$11000.00} past due ( as of XX/XX/XXXX ) Additional Note : Paid Off Dispute Grounds : GAAP Compliance Violation Under XXXX, once an account is charged off, the debt must be written off as a loss and removed from the creditors receivables. 
Reporting both a charge-off and an outstanding past due balance is contradictory and misleading. An account can not simultaneously be written off as a loss and also show a collectible balance. 
XXXX XXXX Compliance Violation The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines prohibit reporting conflicting statuses ( e.g., paid off while also showing a charge-off and past due balance ). 
FCRA 15 U.S.C. 1681s-2 Furnishers of information are required to report data that is accurate and not misleading. This conflicting reporting creates the false impression that I still owe a past due balance, despite the account showing paid off. 
XXXX XXXX This inaccurate reporting lowers my XXXX XXXX and misrepresents my financial history to potential lenders, which is a direct violation of FCRA accuracy requirements. 
Requested Resolution : I am requesting that XXXX XXXX XXXX : Correct or delete this tradeline so that it no longer reflects contradictory or misleading information. 
Remove any reference to past due balance or charge-off if the account is in fact paid and closed. 
Provide documentation showing how this reporting is accurate under XXXX and XXXX XXXX standards if you intend to continue reporting it. 
If this account can not be verified and corrected within the timeframe allowed by law, I expect it to be deleted entirely from my credit file. 
Please also provide the name, mailing address, and direct contact information of the person responsible for investigating this dispute. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-09-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the accuracy of the information your company, XXXX XXXX XXXX, has reported to the credit bureaus regarding my account. According to my credit file, your company has reported this account as a charge-off on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate or incomplete information reported on my credit file. At this time, I am requesting : Validation of Debt Please provide full documentation verifying that this debt is valid, that I am legally responsible, and that your company has the right to collect or report this account. 

Detailed Accounting Please provide a breakdown of the alleged balance, including principal, interest, fees, and any payments applied. 

Correct Reporting If you can not validate this debt with proper documentation, I request that you immediately remove or correct the charge-off entry from all credit reporting agencies to which it was furnished. 

Until such documentation is provided, I dispute this account in its entirety. Please note that reporting unverifiable information is a violation of the FCRA, and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office if necessary. 

I expect your response within 30 days as required under the FCRA. Please send your reply to the mailing address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
I have a {$50.00} AmEx prepaid gift card that I got for a holiday present. I have tried online numerous times and have not found it to work anywhere. I tried calling AmEx and entering the card number numerous times and there was continually an error. I cant find a single place that will accept this card. I cant add it to my XXXX wallet because it asks for billing and my name which is not part of a gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX Statement of Complaint XXXX XXXX On XXXX XXXX  XX/XX/year>, around XXXX XXXX XXXX XXXX, I went into a XXXX location to deposit cash funds into my Chime account. After completing the transaction, I noticed that the funds were not showing in my account. Upon further investigation, I discovered that the deposit had been incorrectly applied to another customers account. 

The individual whose account received my funds was present in line at the time of the transaction and provided me with proof that the funds were mistakenly deposited into their account instead of mine. 

I immediately contacted Chime customer support the same day to report the issue. However, I was informed that there was nothing they could do to resolve the matter, and no steps were taken to recover or return my funds. 

I believe this is an improper handling of my deposit and a failure to protect my funds. I am requesting that this incident be formally investigated, that my funds be returned to me, and that Chime be required to address how such mispostings are handled to prevent further consumer harm. 

XXXX XXXX Transaction Details : XXXX XXXX XXXX Date : XX/XX/year> XXXX  Time : XXXXXXXX XXXX XXXX Location : XXXX \ XXXX insert store address if you have it ] XXXX  Amount : \ {$130.00} XXXX Type : Cash deposit to Chime account Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
Someone took XXXX out of my account for home furnishings and I didn't do it and chime decided on 2 days that it was my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
If this account isn't removed from my credit report my next step would be to submit an intention to sue letter. My consumer rights are being violated by reporting inaccuracies on my credit report. My rights are being violated under FCRA, FDCPA, and FACTA. Please verify this account properly as I'm entitled to {$5000.00} for violations. I contacted the original creditor which is XXXX XXXX XXXX and was directed to XXXX XXXX XXXX which is the company the debt was transferred to.

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