vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Monterey Financial continues to call me repeatedly regarding Account # XXXX, despite my written cease-and-desist notice. This is a violation of the FDCPA. I have disputed the debt in writing multiple times, requested written-only communication, and they acknowledged my dispute, yet continue harassing me by phone. I am requesting CFPB intervention to stop these calls, mark the account properly as disputed, and investigate Montereys ongoing collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Date : XX/XX/XXXX To : TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Demand for permanent deletion of inaccurate/compromised information due to data breach & FCRA Violations To whom it may concern, I am writing to you formally regarding my consumer file maintained by TransUnion and Experian. This correspondence is being sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and is tied directly to the recent TransUnion data breach in which consumer files, including mine, were placed at risk of compromise and potential inaccuracy. 

The breach in question undermines TransUnions statutory duty under : FCRA 607 ( b ) Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) Mandating that disputes be reinvestigated in good faith and inaccurate information promptly deleted.

FCRA 605A & 605B Requiring consumer file protection in instances of suspect compromise, fraud, or identity misuse.

Given that your own breach jeopardized the chain of custody, accuracy, and reliability of the data in my consumer file, any items currently marked as negative, disputed, or unverifiable must be treated as compromised. It is no longer possible for TransUnion to reasonably certify these accounts as accurate under federal law, since your systems have already demonstrated failure in safeguarding consumer data. 

Accordingly, I am demanding the immediate and permanent deletion of the compromised and unverifiable items from my file : Account : XXXX XXXX XXXX XXXX Failure to delete these items constitutes : Willful noncompliance under FCRA 616 exposing TransUnion to statutory and punitive damages.

Negligent noncompliance under FCRA 617 exposing TransUnion to liability for actual damages.

Violation of CROA ( 15 U.S.C. 1679b ) if deceptive statements are made regarding the security of accuracy of the file.

Demand for Written Confirmation : You are required to provide me with written confirmation of deletions within 30 days of your receipt of this letter. If you verify instead of delete, I demand a complete description of the reinvestigation methodology and the documentary evidence reviewed. Any attempt to validate disputed items through automated e-OSCAR code exchanges will be deemed insufficient. 

I expect full compliance with this demand. 

Respectfully, 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 2025-10-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed, with multiple applications made in my name by companies I have no connection with. These inquiries were done without my consent or authorization, and I do not recognize any of them. This situation is deeply concerning and an outright violation of my rights as a consumer. Its insulting and distressing to know that my personal information has been used fraudulently despite my efforts to protect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
This is a follow-up complaint to CFPB Case ID XXXX, which XXXX  marked as Closed with explanation. The issue remains unresolved. 

On XX/XX/year>, I withdrew XXXX XXXX from XXXX to my XXXX  XXXX deposit address ( XXXX ) using an incorrect destination tag ( XXXX instead of my assigned XXXX ). The transaction ( XXXX XXXX ) was confirmed on the XXXX Ledger and successfully received in XXXX custody. 

XXXX  falsely stated to the CFPB that I declined to involve XXXX. This is inaccurate. I only asked why their team required third-party confirmation when the transaction was already verifiable on chain. Nevertheless, I complied immediately and provided XXXX written confirmation the same day ( XX/XX/year> ). That confirmation verified the correct tag, TxID, and that the funds were received by XXXX. 

Since then, I have followed up repeatedly through every available channel, and XXXX  has ignored all further messages. It has now been over two months since the deposit was confirmed and the funds remain uncredited. If this is considered a normal wait time for resolution, I would like that formally acknowledged. Otherwise, XXXX  continued inaction is unacceptable, and I need this resolved immediately. 

I request renewed review of this complaint, acknowledgment of XXXX false statement in their prior response, and immediate assistance ensuring my XXXX deposit is credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am filing this complaint because multiple furnishers and credit reporting agencies are reporting inaccurate, inconsistent, and unverifiable information about my accounts with XXXX XXXX XXXX, XXXX Card, and XXXX XXXX, in violation of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) billing error provisions. 

Across all three major credit bureaus TransUnion, Experian, and Equifax the same accounts are being reported with conflicting dates of last activity and inconsistent late payment histories. For example, XXXX XXXX XXXX ( Acct. No. XXXX * * * * * ) * * shows multiple different dates of last activity and inconsistent late payments between bureaus. XXXX XXXX ( Acct. No. XXXX * * * * ) * * and XXXX XXXX ( Acct. No. XXXX * * * * * * * * ) * * show similar contradictions, with each bureau displaying different dates and varying numbers of late payments. These discrepancies can not all be accurate and clearly demonstrate a lack of proper data verification and quality control. 

Under FCRA 602, XXXX established that credit reporting must be fair and accurate. However, the repeated inconsistencies in my file show that both the credit bureaus and furnishers have failed to meet their obligations under FCRA 607 ( b ) ( duty to ensure maximum possible accuracy ). The XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX are also in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) for failing to report accurate and updated information and of 623 ( b ) for failing to properly investigate disputed information. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to a reasonable reinvestigation of any disputed item, but these accounts remain uncorrected despite clear evidence of inconsistency. Under 609 ( 15 U.S.C. 1681g ), I have the right to full disclosure of verification records, which I have not received. 

Furthermore, 15 U.S.C. 1666 and 1666a prohibit creditors from continuing to report or act on disputed billing information while an investigation is pending. Despite my disputes, these accounts continue to show up with conflicting information across the credit bureaus.

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 2025-10-24 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: WI

Complaint narrative:
I am filing this complaint because multiple furnishers and credit reporting agencies are reporting inaccurate, inconsistent, and unverifiable information about my accounts with XXXX XXXX XXXX, XXXX Card, and XXXX XXXX, in violation of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) billing error provisions. 

Across all three major credit bureaus TransUnion, Experian, and Equifax the same accounts are being reported with conflicting dates of last activity and inconsistent late payment histories. For example, XXXX XXXX XXXX ( Acct. No. XXXX * * * * * ) * * shows multiple different dates of last activity and inconsistent late payments between bureaus. XXXX XXXX ( Acct. No. XXXX * * * * ) * * and XXXX XXXX ( Acct. No. XXXX * * * * * * * * ) * * show similar contradictions, with each bureau displaying different dates and varying numbers of late payments. These discrepancies can not all be accurate and clearly demonstrate a lack of proper data verification and quality control. 

Under FCRA 602, XXXX established that credit reporting must be fair and accurate. However, the repeated inconsistencies in my file show that both the credit bureaus and furnishers have failed to meet their obligations under FCRA 607 ( b ) ( duty to ensure maximum possible accuracy ). The XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX are also in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) for failing to report accurate and updated information and of 623 ( b ) for failing to properly investigate disputed information. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to a reasonable reinvestigation of any disputed item, but these accounts remain uncorrected despite clear evidence of inconsistency. Under 609 ( 15 U.S.C. 1681g ), I have the right to full disclosure of verification records, which I have not received. 

Furthermore, 15 U.S.C. 1666 and 1666a prohibit creditors from continuing to report or act on disputed billing information while an investigation is pending. Despite my disputes, these accounts continue to show up with conflicting information across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-24 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: CBC Companies, 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 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 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 2025-10-24 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: FL

Complaint narrative:
Ensure that any contested accounts are removed immediately, in compliance with 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 2025-10-24 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: FinCo Services Inc DBA Current
State: ME

Complaint narrative:
On XXXX XXXX2025 I got a notification at XXXXXX/XX/XXXX while i was in bed for a charge of {$46.00}. I contacted support, froze my card and the agent ordered me a new one. On XXXX XXXX2025 I filed the dispute after it left my pending chargers. Today, XXXX XXXX, 2025 my dispute was denied by Current XXXX Banking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * SYNCB/SAMS * * Regarding : * * SYNCB/SAMS, Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way SYNCB/SAMS is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing.

* * Details of the Issue : * * - The account in question is a credit card issued by SYNCB/SAMS- The account reported positively for a period of time.- After I became delinquent, SYNCB/SAMS charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice.- I never received an Adverse Action Notice.

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit.- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o. 

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB - Written confirmation that proof is provided or deletion of the charge-off occurs

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
FOCUS FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research FOCUS FIN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-24 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:
Guarantee that any disputed account is removed quickly according to law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: PA

Complaint narrative:
I am very upset to see that these inaccurate accounts are still on my credit report and nothing has been taken off. I am begging for the documents I included to be examined carefully so I can finally stop living in constant fear of this situation.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did not request any changes to the status or structure of my account. What I requested was a simple letter confirming that the account ending in XXXX is indeed a business-account. To date, your branch has failed to provide that letter. 

Because of this failure and the subsequent loss of online accessincluding disruption of my ability to use XXXX for payroll and vendor paymentsmy business is being adversely impacted. 

Here is what must happen immediately : Your branch must provide the requested written confirmation ( on official branch letterhead ) that account ending in XXXX is a business-account and reflect any change in title, with signature of the responsible branch official. 

Restore my full online access to the account and enable XXXX paymentswithout further delay. 

Provide by close of business today a clear explanation why the confirmation letter remains outstanding and why this matter has not been resolved sooner. 

Escalate this matter to your senior management if requiredbecause at this point the branchs inaction is no longer acceptable. 

Truist Bank branch at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, GA 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