vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX RE : DEMAND FOR XXXX CORRECTION OF PERSONAL INFORMATION UNDER THE FCRA TO : Whom it may concern, I am formally demanding that your agency immediately update and correct the personal identification information on my credit profile in accordance with the Fair Credit reporting ACT ( FCRA ), 15 U.S.C. 1681.

You are currently reporting inaccurate, outdated, and unauthorized personal information on my consumer credit report, including employers, addresses, and aliases that I have never authorized, verified, or consented to. this is a direct violation of my rights under federal law. The FCRA requires that all information in a consumer 's file be complete and accurate. reporting false or outdated information is a violation of FCRA section 607 ( b ). 
I am requesting the following actions be taken : Remove all employer information currently listed on my credit file which includes : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX any unauthorized or inaccurate names/ aliases from my credit profile. 
Remove any outdated or incorrect addresses that do not match the accurate information I am providing. The incorrect information includes : XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OH XXXX Update my file to reflect the correct and current personal information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Under the FCRA, you are legally required to complete a reinvestigation of disputed information within 30 days of receiving this notice. if you fail to make the necessary corrections or do not respond appropriately, I will escalate this matter by filling complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state 's Attorney Generals Office. I also reserve the right to pursue legal action for willful noncompliance with the FCRA. 
This letter serves as your formal notice. Govern yourselves accordingly. 
Sincerely, 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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I called the phone number of the back of the CITI debit card to close my checking account. 
After being bounced around a bit, I finally spoke with a representative that asked a bunch of verification questions ( SSN, address, etc ). At the conclusion of the call, the representative said : a security investigation has now been opened for this account, goodbye and immediately hung up.

Puzzled by this response, I called back and went through the verification process again. It was at this time they I noticed they disabled access to my Citi account

and I am unable to login via the iOS app or web versions. I was then told to expect a call back within 1-2 hours. Their callback went straight to voicemail, so I attempted to call them back. Upon calling them back, I was told they could not help me and had to transfer me to another department with a wait time of 15 minutes of less.

50 minutes into holding, I had to hang up the phone as I was just getting the the airport for an international flight. 

On XX/XX/XXXX, I received an email from CITI notifying me that my checking account is now overdrawn by {$15.00} ( their monthly service fee ). Had they closed the account, this obviously would have been avoided as the account was cleared of funds prior to my attempt to close it.

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 monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been dealing with ongoing fraudulent activity on my Capital One credit card account for several months. Despite repeated calls and multiple replacement cards, the same fraud continues. 

Specifically : Someone is repeatedly siphoning my rewards miles through unauthorized XXXXrelated transactions. 

I have never linked my XXXX account to Capital One rewards. 

The last three replacement cards were mailed to me, but I have not even activated them, yet the fraud persists. 

Each time, Capital One temporarily refunds the rewards, then the cycle repeats until my balance is drained again. 

On XX/XX/year>, I spent over two hours on the phone and escalated to a supervisor named XXXX ( reference number XXXX ). The supervisor was dismissive, insisted the issue must be tied to my XXXX account ( which is demonstrably false ), and refused to escalate beyond her level. She also attempted to reframe my request to close the account for fraud purposes as if I were voluntarily closing it, which would harm my credit score. 

This is a systemic failure of Capital Ones fraud controls and escalation process. I have now spent over 5 hours on the phone across multiple cases with no resolution. 

Desired Resolution : Immediate reinstatement of my full accumulated rewards miles balance so I may redeem them.

Closure of my account for fraud purposes initiated by Capital One, ensuring my credit score is not penalized. 

Written acknowledgment that this case is being handled by Capital Ones Executive Resolution team, not just the call center. 

Confirmation that Supervisor XXXX handling of my case is reviewed, as her conduct prevented proper escalation. 

Supporting Information : Reference number : XXXX ( from most recent call ). 

Multiple card replacements have already been issued, but fraud continues without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: LA

Complaint narrative:
Since the beginning of my loan, I have consistently made payments as required. However, I have observed significant and unexplained discrepancies in how my payments have been applied and how my balance has been reported. These include : Bouncing loan balances My account balance has fluctuated unpredictably, sometimes increasing despite payments being applied. 

Misapplied or unclear payments Certain payments were labeled as principal-only while others appear to have been partially applied or rebooked, without proper explanation. 

Excessive or inconsistent interest allocation The interest charged on some payments seems disproportionately high, raising concerns about whether the lender is applying interest correctly under the terms of the agreement.

I have requested clarification and a full account audit from Stellantis Financial Services, I believe they may represent violations of federal consumer lending protections.

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 2025-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I got a notice for my target card I need to pay it but cant log in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The loan balance on my account is incorrect and it shows late payments for this year. I need the loan balance updated and the late payments cleared off. This is affecting my credit score and my ability to secure lower rates

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
XXXX XXXX sold an account that was co-signed by me and my wife. Now, Resurgent Capital is pursuing me for the debt while XXXX XXXX is pursuing my wife for the same account. This results in duplicate collection efforts for a single obligation. A co-signed account is one debt, not two, and collectors should not be reporting or pursuing it separately against both parties. This is misleading, inaccurate, and a violation of the FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I am submitting this complaint because I believe my rights under the Fair Debt Collection Practices Act ( FDCPA ) and state law are being violated. 

A debt collector ( believed to be LVNV Funding, LLC ) is attempting to garnish my wages. However, I have never been served with any court papers, summons, or notice of a lawsuit regarding this debt. Despite the lack of legal notice or due process, garnishment is being pursued. 

This is highly concerning because : 1. Wage garnishment requires a valid court judgment, and I have never been notified of a case against me.

2. I have checked my states court system records ( Utah Courts ) and found no case filed in my name.

3. The collection activity is causing financial harm and XXXX XXXX, and I believe it constitutes an illegal and unfair debt collection practice. 

I am requesting the CFPBs assistance in : Investigating this matter. 
Requiring the debt collector to provide proof of a valid judgment and service of process. 
Ensuring that no unlawful garnishments are taken from my wages. 

I have attached copies of any relevant pay stubs, correspondence, and court record searches for your review. 

Thank you for your attention to this matter. Please let me know if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I contacted Huntington bank regarding a dispute for charges from a moving company, XXXX. They denied the dispute in end saying that it was a service issue and needed to be resolved with the vendor. I made myself clear the vendor is unresponsive, sent over proof of all documentation and contracts. This moving company broke their contract and took out payments that were NOT authorized by me. They didnt provide the services that were signed for in the contract. It was to move and disassemble items from my old home and bring them to the new home and reassemble them all while being taken care of and safe and secure within just a few hours. None of this was followed. Again I sent all of this information over to Huntington showing the items that did make it over a XXXX days course, were damaged and just put into the garage or driveway and NOT assembled or ever disassembled. We had to do all of this. And there were pictures and etc of all of this. I never signed the final paperwork stating that my items arrived and that the company had finished their job or an agreed upon final pricing. They just kept charging my card random numbers that they came up with after poor communication and never even showing up. Huntingtons policy states they will get your money back for services that were not provided. And this in fact is a case in which that has happened. In total, XXXX took out XXXX separate charges throughout XXXX days. On XX/XX/year> I have a charge of {$3000.00} and then {$920.00}. On XX/XX/year> I have a charge of {$960.00}. In total this company robbed me of {$4900.00}. And Huntington is not considering this an actual dispute/unauthorized charge. This has been totally outrageous and unacceptable on both companies parts. As if moving in itself wasnt stressful enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 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 2025-08-23 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: LA

Complaint narrative:
I have moved to Louisiana, and have reached out to all creditors about applying the Louisiana state addendum to the SCRA. This company is the only company to claim that it does not apply to them based on what I strongly believe is a misinterpretation of the law, Louisiana RS 29:312. Again, they are the only company in which denies their obligation to follow 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Draft CFPB Complaint Jefferson Capital Systems / XXXX  I am filing a complaint regarding inaccurate and unlawful credit reporting related to a collection account reported by Jefferson Capital Systems ( original creditor XXXXXXXX XXXX XXXX XXXX. This account is being reported on my XXXX credit file and contains multiple errors and compliance issues. 
XXXX XXXX  shows multiple 'Invalid date ' entries under this accounts dispute history, which demonstrates inaccurate record-keeping and reporting. 
2 The account balance of {$600.00} has not changed since XX/XX/XXXX, with no itemization of charges, fees, or payments provided. Verification is incomplete. 
3 The account is reported as opened XX/XX/XXXX, but the Date of First Delinquency with XXXX has not been disclosed, raising the possibility of unlawful re-aging. 
XXXX XXXX closed my XX/XX/XXXX dispute without providing the legally required 'method of verification ' from the furnisher as required under FCRA 611. 
XXXX XXXX XXXX has not produced competent evidence of ownership or legal right to report this account. 
I request that the CFPB investigate these violations, require XXXX to delete unverifiable and inaccurate data, and require Jefferson Capital Systems to cease reporting until it can produce competent evidence of ownership and itemization of the alleged debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to express my dissatisfaction regarding my account. I have been a loyal account holder for a long time and have always maintained responsible financial behavior. However, I am frustrated to see that there are still XXXX inquiries associated with my account that continue to affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year> I received a letter from Synchrony Bank stating that my Care Credit account was closed with the following reasons : Lack of Real Estate Secured Loan information Too Many Revolving Accounts With High Balance Compared to Credit Limit Not Enough Balance Paid Down Over Time On Installment Accounts Too Many Bankcards With High Balance Compared to Credit Limit. 

I tried re-applying ( Ref. Number : XXXX ) and while I was pre-approved for {$1300.00} I had to call to confirm my identity and when I called, they said the application was denied. I asked if I could dispute the denied application though an internal company mediation to which they said Synchrony does not have a mediation process.

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The company is portfolio recovery - The account has been closed on my behalf and they have repeatedly been calling me every single day multiple times a day for the last 3 years. I have a call record to prove they are also calling from multiple different numbers. I have sent multiple dispute letters. 

They do not leave a voicemail. They just continue to try to call back in which I do not answer. It is harassment at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MD

Complaint narrative:
I am disputing an alleged {$2800.00} XXXX debt. I never received or used any product or service, and XXXX went bankrupt in XX/XX/year>, so no valid creditor exists to verify or validate this debt. I contacted the collector directly and requested validation and documentation, but they refused to provide any information, including the name of the creditor or credit union. Instead, they continued attempting to collect and even claimed there was a class action lawsuit that would reduce the debt to {$1000.00}, but refused to provide this in writing. They also reported the account to the credit bureaus, which caused my credit score to drop by XXXX points. This debt is invalid, and I request that all collection efforts stop and that any negative credit reporting be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I reported a fraudulent XXXX transaction for {$180.00}. The transfer is currently pending/on hold with the recipient. I request immediate cancellation or reversal. Please provide written confirmation of my dispute and escalation to fraud investigations.They keep stalling me around I woke up at XXXX to call them and I got no answer.

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 2025-08-23 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: IL

Complaint narrative:
In XX/XX/year>, I submitted a letter, an FTC Identity report, proof of my address and identity to Trans Union indicating several accounts that have been identified as fraudulent. 
My current Trans Union report is still reporting the fraudulent credit card and loan accounts. In addition, they are reporting incorrect addresses, employers and public records. 

I have sent an additional letter on XX/XX/XXXX, indicating the information was not blocked as required and that there was additional fraudulent information added to my account after they were notified of the fraud. 

I have received no correspondence confirming that any of the fraudulent information was investigated, blocked or removed as required by the FCRA section 605b.

Additionally, there seem to be more incorrect addresses and accounts added to my credit report, indicating more identity theft than I originally was aware. 

This misinformation has substantially damaged my credit report and my score. I am no longer able to qualify for a home loan until this I have rectified the identity theft issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief