vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: MS

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am disputing how a secured credit card account from Navy Federal Credit Union is being reported on my credit file. The account was opened in XX/XX/XXXX with a {$1000.00} credit limit and is now being reported as charged off with a past due balance of {$1200.00} as of XX/XX/XXXX. The account status was last updated in XX/XX/XXXX. 

I requested a full breakdown of the amount reported, including any fees, interest, or penalties added to the balance, as well as documentation proving that I was properly notified of the charge-off. To date, I have not received this information. 

Because I have not received proper validation or documentation of the charge-off, I believe this information is being reported in violation of the Fair Credit Reporting Act ( FCRA ). The reporting may also be inaccurate or incomplete, as no payment activity, communications, or validation were provided. I am requesting that Navy Federal either correct or remove this account from all credit reporting agencies if they can not provide documentation supporting the current status and balance.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I.C. System, Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Request for Debt Validation under the FDCPA Account : {$850.00} Original Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal request for validation of the debt you have reported under the name I.C. System, Inc. I do not recall ever owing any debt to XXXX XXXX XXXX XXXX. Pursuant to the FDCPA, please send the following : Total amount of debt, including itemized charges. 
Verification of the original creditor.

A copy of the contract bearing my signature.

Proof of your authorization to collect in Michigan.

A complete transaction history.

Until you provide proper validation, you must stop all collection activity and remove this listing from all credit reporting agencies.

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 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bilateral Credit Corp, LLC
State: LA

Complaint narrative:
I have contacted Bilateral Credit Corporation on numerous occasions regarding a collection that is on my credit report. The balance reported is {$1400.00}. This debt does not belong to me. This debt belongs to a company that I work for. I am just the signer. I order things for the company. I have nothing to do with the company 's debts. I am just the employee. Bilateral Credit is continuously reporting this account on my credit report and I am not personally liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: IL

Complaint narrative:
I applied for an auto refinance through XXXX via XXXX XXXX, based on a prequalified offer showing $ XXXX at 5.29 % APR. The offer appeared legitimate and included a clear Take Offer button. 

After submitting the application, a representative ( XXXX XXXX ) texted me repeatedly insisting on a phone call. I requested the offer terms in writing. He refused, and admitted via text that the XXXX XXXX offer was misleading and that they wont know if they can get me there until we talk. I declined to proceed unless they could honor the prequalified terms.

A few days later, I received a formal credit denial citing serious delinquency, despite my actual scores being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no serious delinquencies on my record. This feels retaliatory and deceptive I was pressured to accept worse terms via phone, and denied only after refusing. 

I believe this constitutes misleading advertising, violates fair lending standards, and may involve misuse of my credit report under the Fair Credit Reporting Act ( FCRA ). I respectfully request the CFPB investigate XXXX for potential bait-and-switch tactics and improper use of consumer credit data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, a credit card account from Avant was fraudulently opened under my name with a balance of {$600.00}. I did not authorize or open this account. 

I reported this account as identity theft through the FTC. I have not received services, products, or benefits from this account. I am requesting this account to be closed and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 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 XXXX 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 XXXX of the Fair Credit Reporting Act.

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
On or around XX/XX/year>, I was contacted by an individual who presented themselves as a legitimate representative and manipulated me into transferring funds from my checking account into XXXX XXXX. Under this persons direction and false pretenses, I was then instructed to add a Chime card to my XXXX XXXX and continue transferring money between platforms. 

During the course of this interaction, I moved a total of {$1000.00} following the scammers instructions. Before the process was complete, I was disconnected from the individual and unable to recover the funds. 

I immediately contacted my bank, XXXX XXXX, and XXXX XXXXt ( which manages the Chime card ). I was informed that because I completed the transactions through XXXXXXXX XXXX XXXX XXXX XXXX and added the card manually to my wallet, these transactions are considered approved despite the fact that I was coerced into performing them by a fraudster through manipulation and deception. 

I am now left without access to the {$1000.00} that was fraudulently obtained, and I am requesting a formal investigation and reconsideration of this case. I believe this incident qualifies as fraud under the category of social engineering, and it should not be treated as a standard authorized transaction. 

Please let me know if additional documentation is needed. I am in the process of filing a police report and a complaint with the Consumer Financial Protection Bureau ( CFPB ) to formally document the fraud and escalate this matter for further review. 

Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Location : XXXX, MS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt originally from Synchrony Bank on my credit reports. This debt was sent to collections without any meaningful communication or notice from Synchrony Bank beforehand. I was never contacted, informed, or given a chance to explain my situation before they turned the account over to a third party debt collector. 

During this time I have been under medical care and dealing with extreme physical and emotional stress. My health challenges made it difficult to manage my finances, and instead of reaching out to understand why payments had stopped, Synchrony Bank violated my rights by forwarding my personal and financial information to XXXX XXXX without my permission or a signed authorization. 

This is a direct violation of the Fair Debt Collection Practices Act FDCPA 15 USC section 1692, which requires that debt collectors treat consumers fairly and communicate properly. They also violated 15 USC section 1692c subsection a by failing to give me a chance to communicate my hardship before escalating the matter. In addition, under 15 USC section 6801 of the Gramm Leach Bliley Act, financial institutions are required to protect nonpublic personal information and may not share it with third parties without consent.

By law Synchrony Bank should have contacted me before sending this debt to collections, especially given my medical hardship. Their failure to do so along with XXXX XXXX attempt to collect a debt without verifying it with me first is not only unethical, it is unlawful. I am also preparing and sending a cease and desist letter to XXXX XXXX demanding that they stop all collection activity immediately as allowed under FDCPA section 805 subsection c.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized accounts being reported on my credit file. These items are damaging my credit profile and were either the result of identity theft, unauthorized reporting, or incomplete reinvestigations by the credit bureaus. Despite prior disputes, these accounts continue to appear, which is a direct violation of my rights under FCRA. I am requesting an immediate deletion of all listed accounts as they do not accurately reflect my credit history or have been improperly verified. The failure to remove unverifiable information is negligent and unlawful. Below are the accounts that must be immediately removed from my credit report : Negative Accounts to Be Removed LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXXXXXX Status : Collection, Charged-Off Balance : {$2900.00} Reported to : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Status : Charge-Off Balance : {$0.00} Reported to : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX Status : Collection Balance : {$570.00} Reported to : XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX Secured ) Account XXXX XXXX XXXXXXXX Status : Closed by XXXX XXXX Reported derogatory Reported to : XXXX XXXX FCRA Violations & Legal Grounds for Deletion : FCRA 605B : Reporting accounts due to identity theft must be blocked. FCRA 611 : Credit bureaus are required to conduct proper investigations ; continued reporting of disputed accounts shows failure to comply. FCRA 609 : I am entitled to full disclosure of the method of verification and original source, which has not been provided. FCRA 623 : Furnishers must report accurate and complete information. Continued misreporting is a breach. FCRA 602 ( A ) : Congress established my right to fair and accurate credit reporting. These accounts are violating that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-15 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: FL

Complaint narrative:
XXXX XXXX SSN: XXXX XXXX XXXX  This CFPB complaint has been filed to request under FCRA  605B  \n\n  \n\n(15 U.S.C.  1681c-2) That you, the Equifax credit reporting agency, 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. This fraudulent, Inaccurate, and false Information consists of a personal loan and credit card account opened at XXXX XXXX XXXX another loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX dates include XXXX XXXX XXXX and an apartment XXXX XXXX XXXX date include XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
Maintaining a good credit is a priority for me, which is why Im really upset about the mistakes on my credit report. These inaccuracies are super stressful and its just frustrating to see my credit get impacted by errors that arent even my fault. I'm really concerned and want this resolved ASAP because I dont want to wait for any more damage to be done.

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 2025-07-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a PayPal Cashback Mastercard account just last month, with a credit limit of {$12000.00}. In that short time, I responsibly used the cardspending and repaying approximately {$30000.00} without ever exceeding the credit limit or making a late payment.

Suddenly, my account was closed without any notice. When I contacted PayPal and Synchrony Bank, they claimed I was classified as a " high-risk credit profile, '' which I find completely unjustified given my excellent payment behavior and responsible usage. There was no indication of delinquency, fraud, or misuse.

Most importantly, I had earned over {$1000.00} in cashback rewards through eligible purchases, and now I am being denied access to these funds. I was never informed that my rewards could be forfeited due to a vague risk classification, especially with no specific misconduct on my part.

This feels arbitrary and deeply unfair. I believe this action may constitute a breach of contract and violation of consumer protection laws. I am asking for CFPBs help to recover my earned cashback and to investigate this matter.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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