vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: VA

Complaint narrative:
XXXX XXXX XXXX Data Breach ( Case No. XXXX ) XXXX Bank & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case No. XXXX ). 

I am an XXXX  XXXX MILITANT that was impacted by XXXX Data Breach and also XXXX Bank. My NAME, DOB, SSN, ADDRESS, DRIVERS LICENSE, BANK DETAILS AND CARD NUMBERS WAS IMPACTED AND STOLEN. 

This complaint serves as notice of my intent to pursue binding arbitration and litigation against TransUnion LLC. for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report. 

TransUnion LLC. continues to report the following inaccurate information on my consumer credit report : I have previously disputed inaccurate items with TransUnion LLC. : a ) XXXX XXXX XXXX  : # XXXX : {$2000.00} Opened XX/XX/XXXX b XXXX XXXX XXXX Bank XXXX : # xxx {$520.00} : Allegedly Opened : XX/XX/XXXX c ) XXXX XXXX Bank XXXX : # xxx {$400.00} : Allegedly Opened : XX/XX/XXXX d ) XXXX XXXX Bank : # xxx {$960.00} : Allegedly Opened : XX/XX/XXXX XXXX ) XXXX XXXX Bank : # xxx {$600.00} : Allegedly Opened : XX/XX/XXXX f ) XXXX XXXX XXXX  : # xxx {$100.00} : Allegedly Opened : XX/XX/XXXX The continued reporting of these accounts raises multiple violations : A. Late Payments : Violating 15 U.S.C. 1681a ( 2Xi ) and related provisions.

B. Permissible Purpose Requirements : Violating 15 U.S.C. 1681b.

C. Furnisher Responsibilities : Violating 15 U.S.C. 1681 ( s ) -2.

D. Accuracy Standards : Violating 15 U.S.C. 1681e ( b ) and 1681i ( 5 ) ( a ).

E. Verification Requirements : Violating 15 U.S.C. 1681i ( 7 ).

F. Furnished Inaccurate Data & Ignored Investigations : Violating 15 U.S.C. 1681 ( s ) - ( 2 ) ( b ).

Despite my reasonable investigation requests, TransUnion LLC. has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) TransUnion LLC. violates VIOLATION : 15 U.S.C. 1681i : INVESTIGATION PROCEDURES TransUnion LLC. dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by 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 2025-11-02 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: FL

Complaint narrative:
I submitted a formal FTC Identity Theft Report and FCRA 609 / 611 disputes to the credit bureaus ( Experian, Equifax, and TransUnion ). 

Despite my certified disputes and the FTC report, several accounts and a public record remain on my credit file without proper verification or documentation. 

The disputed accounts include XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and the following charge-offs and credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX These tradelines contain inconsistent, unverifiable, and non-Metro XXXX compliant data fields, violating FCRA 607 ( b ), 611 ( a ), and CDIA Metro 2 reporting standards. 

Additionally, a XXXX XXXX XXXX  ( XXXX XXXX. XXXX ) continues to appear despite being unverifiable and not furnished by any authorized reporting entity. 

The bureaus have failed to identify the original data furnisher or provide any documentation verifying the accuracy and legality of these entries. 

I request the CFPBs intervention to investigate and ensure compliance with the FCRA and CDIA Metro 2 guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a formal FTC Identity Theft Report and FCRA 609 / 611 disputes to the credit bureaus ( Experian, Equifax, and TransUnion ). 

Despite my certified disputes and the FTC report, several accounts and a public record remain on my credit file without proper verification or documentation. 

The disputed accounts include XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and the following charge-offs and credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX These tradelines contain inconsistent, unverifiable, and non-Metro XXXX compliant data fields, violating FCRA 607 ( b ), 611 ( a ), and CDIA Metro 2 reporting standards. 

Additionally, a XXXX XXXX XXXX  ( XXXX XXXX. XXXX ) continues to appear despite being unverifiable and not furnished by any authorized reporting entity. 

The bureaus have failed to identify the original data furnisher or provide any documentation verifying the accuracy and legality of these entries. 

I request the CFPBs intervention to investigate and ensure compliance with the FCRA and CDIA Metro 2 guidelines.

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 2025-11-02 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: NJ

Complaint narrative:
The accounts listed below are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. If a hard inquiry is unauthorized, it violates this accuracy requirement.

15 U.S.C. 1681i ( a ) ( 5 ) Requires credit bureaus to delete or correct information found to be inaccurate or unverifiable after an investigation.

If you dispute a hard inquiry and its proven unauthorized, the bureau must remove it.

15 U.S.C. 1681s-2 Covers responsibilities of furnishers of information ( the companies pulling your credit ). 
If a company reports an inquiry without authorization, they are violating this law. 

XXXX BANK XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Care Credit ( aka Synchrony ) violated the Credit CARD XXXX by failing to apply my payment correctly. Under federal law, any amount paid over the minimum payment must be applied to the balance with the highest interest rate first. 

Here are the details from my statement for XX/XX/year> : - Balance : {$370.00} at 32.99 % XXXX and {$560.00} at 29.99 % XXXX - Total balance : {$920.00} - Minimum payment : {$35.00} - My payment : {$85.00} - Interest charged : {$25.00} This is from my statement for XX/XX/year> : - Balance : {$350.00} at 32.99 % XXXX and {$540.00} at 29.99 % XXXX - Total balance : {$860.00} XXXX paid {$50.00} over the minimum ( {$85.00} - {$35.00} = {$50.00} ). That entire {$50.00} should have been applied to my highest-rate balance ( 32.99 % ). Instead, Care Credit split my payment roughly equally between both balances, with only about {$17.00} going to the high-rate balance. 

If allocated correctly, my 32.99 % balance should have decreased by approximately {$50.00}, bringing it to around {$320.00}. Instead, it only decreased by {$17.00}. 

I expect the next bill to come out this week. I paid {$85.00} for my last bill too, and I'm concerned that the same thing will happen.

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 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have previously made XXXX separate requests for validation ( XX/XX/year> ) and your lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. 
More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, it is clear that you have not provided me with any evidence to establish that I owe you any money. 
Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NJ

Complaint narrative:
The accounts listed below are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

If a hard inquiry is unauthorized, it violates this accuracy requirement.

15 U.S.C. 1681i ( a ) ( 5 ) Requires credit bureaus to delete or correct information found to be inaccurate or unverifiable after an investigation.

If you dispute a hard inquiry and its proven unauthorized, the bureau must remove it.

15 U.S.C. 1681s-2 Covers responsibilities of furnishers of information ( the companies pulling your credit ).

If a company reports an inquiry without authorization, they are violating this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: IL

Complaint narrative:
Tate & Kirlin Associates , Inc. ( Tate ) has mailed out two fake debt collection letters to my address and illegally accessed my credit report from XXXX  which clearly revealed the absence of such a debt. Tates fake debt collection practices started in XXXX, with a letter claiming that I owed {$270.00} with Reference # XXXX from XXXX. Upon receipt of the letter, I emailed the agency to dispute the debt. See attachment. Then Tate mailed the same debt letter two years later, dated XX/XX/XXXX, but with a different Reference # XXXX. See attachment. 

I believe Tate is illegally targeting senior citizens like me and thinking that I will just pay up without dispute or investigation. They can do a million unsuspecting consumers like this and make a ton of money. I want them to stop sending me these fake debt collection letters and remove my name from their database since I have no debts with XXXX or any of its affiliates and never made a purchase with XXXX.Also, I want them to stop illegally accessing my credit file when there is no established business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fountainhead Commercial Capital, LLC
State: WA

Complaint narrative:
I am writing to bring to your attention the concerning and unethical practices of XXXX Bank ( now cross roads bank ) in relation to small business loans, particularly their treatment of vulnerable small business owners during the pandemic. 

My family, including my husband, our adopted son, and I, invested our life savings and retirement funds into the American dream of operating an XXXX XXXX franchise. We opened our business just XXXX months before the onset of XXXX. To adapt and survive during this challenging time, we took out XXXX XXXX loans to fuel our growth and expansion. 

However, we were devastated when the XXXX abruptly increased our interest rates from a manageable 3 % to an alarming 12 %. This drastic hike made our financial obligations nearly impossible to meet. Compounding this situation, we had set aside {$60000.00} in a XXXX account as an emergency fund, only to discover that it had been hacked. Although we eventually recovered the funds, the incident forced us to change all our banking credentials and created further chaos in our financial management. 

We also faced ongoing issues with XXXX in accessing another {$30000.00} in business deposits due to their cumbersome verification process, which left us unable to pay our XXXX employees. In desperation, I had to secure high-interest loansone at a staggering 50 % interest rate. Despite immediately calling the lender to cancel that loan upon realizing my mistake, they refused to act. 

Our pursuit of the American dream has been marred by the unethical practices of banks and their unfair policies. The support we sought through the XXXX XXXX XXXX has also been slow and incomplete. The cumulative effect of these challenges forced us into bankruptcy. As a result, we filed for bankruptcy protection in XXXX, leading to the foreclosure of our beloved home. 

Despite the law stipulating that we should have 12 months to resolve the situation, the XXXX has denied us access to our property and has instructed our property management not to cooperate with us. Consequently, we are left without access to our home, which has created dire situations, including when our power goes out. 

We believe that the actions of the XXXX Bank and the XXXX are not only unethical but also potentially illegal. It is crucial that small business owners like us are protected from such predatory practices, especially during times of crisis. I kindly urge your news organization to investigate this matter further and to shed light on the challenges many small business owners are facing due to the lack of ethical standards in banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd.
State: OK

Complaint narrative:
An account was fraudulently opened in my name with XXXX Bank without my knowledge, authorization, or consent. I did not apply for this account, did not receive any benefit from it, and the charges were made by an identity thief. XXXX Bank later furnished this account to the credit bureaus and then assigned or transferred it to a third-party collection agency, Phillips & Cohen Associates , who began attempting to collect the alleged debt.

I discovered the account while reviewing my credit reports, and on XX/XX/year>, I sent a formal written Identity Theft, Cease-and-Desist, and Debt Validation Demand to Phillips & Cohen, along with my FTC Identity Theft Report, government ID, and proof of address. I also notified XXXX Bank and the credit bureaus that the account was fraudulent and requested removal under the FCRAs identity-theft blocking provisions. 

Despite receiving full identity-theft documentation, both companies have continued furnishing and/or collecting on the account. The fraudulent tradeline is still reporting, the collection is still active, and neither XXXX Bank nor the collector has complied with federal law. No validation was provided, no blocking of the account occurred, and no investigation records were supplied. 

This debt is not mine. It is the result of identity theft, and both companies are continuing to report and collect after written notice, which is a violation of federal law. I am filing this complaint because all proper steps were taken to resolve this directly, and the companies have refused to correct, delete, or cease collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Beginning XX/XX/XXXX fraudulent checks were deposited into my checking and savings accounts. XXXX checks totaling {$950.00} were deposited into my checking account. XXXX checks totaling {$550.00} were deposited into my savings account. The funds were transferred to the fraudster 's accounts. Chase bank knew these checks were fraudulent, they have even marked all the checks as fraudulent. Chase bank also informed me that they know who the fraudsters are because they also bank with Chase bank. Chase bank charged all of these fraudulent checks back to my accounts, leaving both my checking and savings accounts overdrawn. On XX/XX/XXXX, Chase bank closed my accounts and my online access to my accounts. Chase bank is sending me collection emails and phone calls to make payments on my overdrawn accounts. I have tried speaking with Chase bank representatives on many occasions. Several times in XX/XX/XXXX, again on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX. The representatives have not been able to tell me anything about why the checks were charged back to my accounts, why my accounts were closed, why my online banking access was closed, during these phone conversations. They transfer me to different departments and different representatives, and I get nowhere and no answers. On XX/XX/XXXX, I filed a Fraud/Identity Theft report with the XXXX XXXX Police Department XXXX report # XXXX. I took this report to a banker at a XXXX branch near me in XX/XX/XXXX ; however, the banker wouldn't even look at the report. Chase bank also briefly reported me to XXXX  Systems, preventing me from using my current account, from a different bank, to make purchases. Because my accounts are overdrawn due to this fraudulent activity, my balances in each account before the fraud, have not been refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: IL

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 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 2025-11-03 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX winter I was fraudulently charged within 48 hours on my wells Fargo and XXXX XXXX  accounts card. Had to call out of work because my credit score also dropped dramatically. The Wells Fargo debit ended in XXXX. The XXXX XXXX account had to be closed I believe the card number ended in XXXX. I went to the XXXX XXXX branch and frantically had them shut down my account. Two separate charges one on each debit card, 24hours after a XXXX $ withdrawal fraud the night before. The big charge on the Wells Fargo was XXXX $ and the XXXX XXXX was XXXX XXXX I would like some compensation and it still won't fix my 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 2025-11-02 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: NJ

Complaint narrative:
The accounts listed below are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. If a hard inquiry is unauthorized, it violates this accuracy requirement.

15 U.S.C. 1681i ( a ) ( 5 ) Requires credit bureaus to delete or correct information found to be inaccurate or unverifiable after an investigation.

If you dispute a hard inquiry and its proven unauthorized, the bureau must remove it.

15 U.S.C. 1681s-2 Covers responsibilities of furnishers of information ( the companies pulling your credit ). If a company reports an inquiry without authorization, they are violating this 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 explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
The dispute was filed on XX/XX/year> the merchant issued refund on XX/XX/year> card holder services they are saying they didn't receive the refund i also sent documentation showing they received it and they will not comply

Company response to consumer: Closed with explanation