vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-07-09 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that y
ou, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Opened an checking account online and connected external account to transfer to and from. Initiated a transfer that got canceled due to security reasons and they locked my connected account from being used for transfers .. Called customer support and was directed to go in-person to verify external account and that I couldn't do it remotely. Went in-person, provided documentation that was requested. They never reinstated my connected account after several days. Called customer support again and said they had no record of me coming in-person. They also read the last person 's customer support 's agent note which stated they told me that I could have sent my verification via email, which is the complete opposite of what they told me before, which was I had to go in-person. New customer support agent refused to assist and wanted me to connect back to the in-person branch again. 

Essentially they are refusing to allow me to transfer money to another financial institution that I use and are constantly sending me to other people to resolve the issue but no one actually resolves my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a Certified Cashier 's Check from XXXX XXXX XXXX XXXX headquartered in XXXX XXXX XXXX on XX/XX/year> at a local Chase Bank XXXX in XXXXXXXX XXXX This check was for payment of a motorcycle that I was selling via an Online website. The next day, XX/XX/year> I was notified that the funds for the full amount of the Cashier 's check in the amount of {$25000.00} was available in my balance. This amount was grossed up {$2900.00} above the agreed upon purchase price of the motorcycle for the purpose of paying the third party transport company provided by the buyer. The buyer 's instructions for payment required that I pay the transporter via either wire transfer or money order. I agreed to do so after the Cashier 's Check cleared the bank. 
I purchased three USPS Money Orders after learning that Chase cleared the Cashier 's check totaling {$2900.00} ( {$2900.00} in money orders, {$10.00} fee ). This transaction was completed using the Debit Card linked to the same checking account that the check was deposited. 
The following week on Tuesday XX/XX/year>, I was notified by the buyer of the motorcycle that he wanted to cancel the purchase. He claimed his father-in-law passed away the night before and this motorcycle was for him. Suspicion led me to check my bank balance immediately, revealing that the {$25000.00} deposit was reversed that morning. I contacted Chase and they informed me that the Cashier 's Check was counterfeit. I explained the transaction I made to USPS after the check had been cleared, asking them to provide relief of the loss considering they cleared the check, but to no avail. In my mind, Chase was negligent in taking the proper steps to completely vet the Certified Cashier 's Check with XXXX XXXX XXXX XXXX prior to informing me that it had cleared the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
At the end of XXXX, I received a demand to collect a debt that was charge off and the XXXX, XXXX brought the debt. I started receiving multiple letters for payment. I paid off {$110.00} in XX/XX/XXXX, thinking this was a settlement of some sort only to learn that XXXX, XXXX brought 2 charge offs from my credit. Next I received a court summons for garnishment for a account I thought was settled. I showed up to court and was advised to contact the attorney for payment plan and I did multiple times only to not get a response. Then I received a summons of garnishment and it was listed not to show. 25 % they take from my check, a single mother of 4. While awaiting for court for an exemption, I received a 3rd summons s for court for a different charge off for XX/XX/XXXX that says you dont have to appear. At this point I believe I have been targeted and am being harassed by this company. Upon contacting the original creditors they said no debt owed to them because of charge off. This company is purposely stalking my credit in hopes to fortified there company. I have to miss days from work ( with the limited hours I already get ) for court but they want money and even while explaining that my income bottoms out in the summer due to a reduction in clients, their lawyer still request 25 %. At this point I don't know what to do. This debt was accumulated when I had covid twice with no income. Although I explained this to the original creditors who understood. This XXXX, XXXX company is like vulture who don't care about anything. They stick their chest out to the less fortunate. Now XXXX just left court and the attorney is screaming about my previous tax return and previous earnings not taking into consideration my projected massive income change and XXXX where I will be getting no income. This company is horrible. The abusive behavior using the courts to XXXX  families is horrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Bankruptcy showing on credit report is an error and incorrect information. XXXX does not verify information as accurate and therefore Lexis Nexis should remove the inaccurate information. Address dont do belong to me and is not listed on Lexis Nexis consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Complaint Against XXXX Collection Agency Inflated Medical Debt, Incorrect Date, and XXXX Violations I am submitting this formal complaint against SA-VIT Collection Agency for deceptive and unlawful practices related to the collection of a medical debt they claim I owe. And has unlawful practices of direct violation of the XXXX Privacy Rule SA-VIT alleges that I owe a balance related to a one-day surgical procedure performed at XXXX on XX/XX/year> where my physician is based. However, their documentation contains multiple serious errors : The amount they are attempting to collect is misleading. While XXXX XXXX XXXX the total charge for the XXXX was {$9600.00}, when in fact the same day outpatient XXXX, I was billed directly by XXXX was {$4800.00}. I have attached the official bill from XXXX confirming this. SA-VIT has not provided any lawful justification for pursuing a different or inflated amount. It was a 1 day outpatient XXXX procedure. The date of service listed by SA-VIT is incorrect and does not match the date on the official XXXX bill. This discrepancy raises concerns about the accuracy and legitimacy of their reporting. 

Most critically, SA-VITs debt validation letter included CPT ( XXXX ) and XXXX ( diagnosis ) codes, revealing specific details about my medical treatment. This is a direct violation of the XXXX Privacy Rule, which prohibits the disclosure of protected health information ( XXXX ) beyond what is minimally necessary for payment purposes.Under XXXX XXXX XXXX ( b ), even if a Business Associate Agreement exists between the provider and the collection agency, the agency is not permitted to access or disclose information about the procedures performed or diagnoses made without my explicit written authorization. 

The inclusion of these codes also violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX, XXXX ) by using sensitive medical information in a coercive and deceptive XXXX XXXX Surprises XXXX further reinforces that medical debt XXXX XXXX not use or disclose diagnostic or procedural information in communications with consumers. 

I respectfully request that the CFPB investigate : The basis for the alleged debt amount and its deviation from the actual billed amount ; The reason for the incorrect date of service; The unauthorized disclosure of my medical procedures and diagnoses in violation of XXXX and federal consumer protection laws. I have attached the original XXXX bill as supporting documentation and am prepared to provide additional records upon request. And I have attached XXXX XXXX XXXX with proof that they violated XXXX laws XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: AR

Complaint narrative:
On XX/XX/year>, my mortgage servicer disbursed {$3000.00} to XXXX XXXX for a homeowners policy that I had already replaced with a new policy through XXXX XXXX, effective XX/XX/XXXX, XXXX exact same day the XXXX  policy was set to renew. 

I submitted proof of this new policy in advance, yet the company failed to update my file and still paid the old insurer. Theyve since admitted they only processed my documents after they had already disbursed the funds. 

As a result : I was charged {$3000.00} for a policy I did not want or authorize An escrow advance of {$400.00} was pulled from my account to cover their mistake Ive been told to deposit the XXXX refund back into escrow myselfeven though this situation was entirely caused by them My Homestead Tax Creditwhich I submitted documentation forhas still not been applied No one answers the phone, theres no direct contact information for the insurance department, and the few responses Ive received have been contradictory and delayed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: NH

Complaint narrative:
robinhood closed my account in XXXX and won't return my money in all the accounts including the checking account ronbinhood spend

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you
, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 2025-07-09 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: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to formally report that I am a victim of identity theft and to dispute several factual inaccuracies currently reflected in my records. These inaccuracies have resulted from unauthorized activity conducted using my personal identifying information. dispute an inaccurate score that has been generated based on incorrect factual data in your system. This score has negatively impacted [ e.g., my account standing, application status, credit evaluation, identity verification, etc. ], and I request immediate review and correction. There are also deleted accounts that are still listed on my profile. Request for Action : Immediate review and correction of the inaccurate data. 
Recalculation or reevaluation of my score based on accurate data. 
A written response confirming the changes and timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Since XX/XX/year> I have been disputing these charges to try to get a resolution. Apple Goldman Sachs keeps denying them. Everytime I ask for the proof the agent says they have no proof when I tell them Apple is responsible for burden and proof they only offer to reopen the dispute to which I keep getting the same outcome. They told me i cant escalate it further beyond them ( the specialist ) and theres no point of contact for the internal teams in disputes department. 

the charges are : {$47.00} ( XXXX XXXX ), {$73.00} ( XXXX XXXX ), {$58.00} ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXXXXXX 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