vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year> XXXX EXPERIAN XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, EXPERIAN XXXX XXXX XX/XX/year>

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Victim of Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 604, 609, 611 ; 15 USC 1681 ( s ) -2 ; 15 USC 1681e ( b ) ; 15 USC 1681i ( 5 ) ( a ) ; 15 USC 1681i ( 7 ) ; 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) INTENT TO SUE : CRIMINAL CREDIT REPORTING I, XXXX XXXX, do declare and say under the penalty of perjury that the below statements are true and correct to the best of my knowledge and belief. This Notice is issued as demand for the next suitable course of action regarding the erroneous reporting entries in my credit file which I suspect to be fraudulent, unauthorized and in contravention of the consumer rights accorded to me under FCRA and other California consumer protection laws. 

XXXX. ACCOUNT DETAILS IN QUESTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. LEGAL BASIS OF DEMAND a. Breach of Fair Credit Reporting Act : Posting the aforementioned accounts on the consumer 's credit file without admissible, duly verified, and authenticated documents, along with a demonstration of permissible purpose, constitutes a breach of the Fair Credit Reporting Act 's ( FCRA ) accuracy and dispute-related provisions. 
b. Breach of Californias Consumer Protection Statutes : The consumer protection statutes in California include additional prohibitions against the reporting of incorrect, unverifiable, or unauthorized credit information. I argue that the reporting of these accounts, which I believe consist of fraudulent trade lines related to repossessions due to identity theft and unauthorized collections, has negatively impacted my creditworthiness and violated my informed consumer rights under state 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 2025-12-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I reported unauthorized and/or erroneous transactions on my prepaid debit account and opened XXXX disputes. The company assigned XXXX claim numbers and confirmed the disputes were under investigation. 

I provided the transaction dates, merchant names, amounts, and the reasons for disputing the charges at the time the disputes were submitted. I cooperated fully and responded to all requests from the company. 

The company advised that the investigation would extend beyond the initial XXXX business days and that the claims would not be updated until XX/XX/XXXX. Despite the extended investigation period, the company has not issued provisional credit for the disputed amounts. 

Instead, the company stated that provisional credit would only be issued if additional written notice was submitted, even though the required information had already been provided when the disputes were opened. No specific deficiency or missing information was identified. 

I contacted the company again to request a status update, confirmation of timely notice, and issuance of provisional credit in accordance with Regulation E. As of today, the investigation remains open and provisional credit has not been provided. 

I am submitting this complaint because the company continues to withhold disputed funds during a prolonged investigation period and has not provided a legally sufficient explanation for the delay.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX. Formal Complaint to TransUnion To Whom It XXXX Concern, I am writing on behalf of XXXX XXXX XXXX ( XXXX ending in XXXX ), for whom I serve as legal agent under a Durable Power of Attorney executed on XX/XX/year>. XXXX has been medically incapacitated since XX/XX/year> due to carbon monoxide poisoning and has been receiving Social Security XXXX benefits since XX/XX/year>. 

Despite multiple legal notices and the submission of supporting documentation, TransUnion continues to report unauthorized hard inquiries and accounts under XXXX XXXX XXXX name. These accounts and inquiries were initiated after XXXX XXXX XXXX became legally and medically incapacitated and are therefore invalid. 

This conduct constitutes violations of several federal and state laws : Federal Violations : Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b Unlawful access to consumer reports- 15 U.S. Code 1681s-2 ( a ) Duty to furnish accurate information - 15 U.S. Code 1681i Duty to reinvestigate disputes - 15 U.S. Code 1681e ( b ) Failure to ensure maximum possible accuracy Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 Americans with Disabilities Act ( ADA ) 42 U.S. Code 12182 Oregon State Law Violations : ORS 127.715 and 127.720 Failure to honor a valid Power of Attorney ORS 646.607 Unlawful trade practices creating confusion or deception regarding financial rights and obligations

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 2025-12-27 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I recently reviewed a my credit report and noticed that there were fraudulent activity. This is hindering me from acquiring credit products

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 2025-12-27 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:
I recently reviewed a my credit report and noticed that there were fraudulent activity. This is hindering me from acquiring credit products

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This is my second complaint against RentDebt Automated Collections because their prior CFPB response confirms willful violations of the FDCPA and FCRA. RentDebt admits it furnished this account to the credit bureaus without first validating the debt and relied on the unsupported claim that an alleged initial collection letter was mailed and not returned as undeliverable, which is not legally sufficient notice under FDCPA 1692g ( a ). RentDebt further admits that after receiving disputes through the credit bureaus, it merely reviewed internal data and a final account statement, which does not constitute lawful validation or a reasonable reinvestigation under FDCPA 1692g ( b ) or FCRA 623 ( b ). RentDebt failed to produce the original contract, complete itemized ledger, move-out accounting, proof of ownership, chain of title, or Metro-2 compliant documentation. Instead, it continued furnishing this tradeline, falsely verified the account as accurate, and improperly claimed it was unable to remove the tradelinedirectly contradicting FCRA 611 ( a ) ( 5 ) ( A ), which mandates deletion of unverifiable information. RentDebts own response proves it never verified the debt, never conducted a lawful reinvestigation, and knowingly continued reporting inaccurate and misleading information, constituting willful noncompliance and exposing the company to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXX of 2025 I made a mistake and paid the monthly bill twice. I paid {$410.00} twice by mistake. I called to get a refund on the second payment and was told it would be refunded. After some time and not seeing the money back in my account, I called Service Finance to find out when the money would be returned. They told me that the refund was already processed and that I would get a check by mail. Ive been checking the mail and no check ever came. I called back and spoke to multiple people probably on about five or six occasions. Everyone said the same thing, that the check was mailed out and they verified my address, I verified that the address they had on file was correct but I told them I never received a check. Everyone told me that they would escalate the situation up to management and someone will get back to me but no one ever called me back. The last person I spoke to was a lady and I told them that if it was a check that was sent out they would be able to see that the check was not cashed and how come they couldnt do a stop payment on that check and just issue me my money directly into my account and no one has ever gotten back to me with any information about when I was gon na get my money back.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These U.S. Department of Education / XXXX student loans are being reported inaccurately and in violation of multiple sections of the FCRA. The accounts are reporting as >120 days late month after month while simultaneously displaying OK payment history for periods where late status is being claimed. This is contradictory and materially misleading to creditors. 

The accounts do not show a Date of First Delinquency as required under FCRA 623 ( a ) ( 5 ). The servicer has failed to provide a valid Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). These loans were previously disputed, reinserted, and updated with negative reporting without proper notice under FCRA 611 ( a ) ( 5 ) ( B ).

XXXX has already begun removing some late payments, which confirms the reporting was inaccurate. However, the accounts remain incomplete, misleading, and harmful. I am requesting full deletion of both accounts because the servicer can not maintain consistent, complete, and legally compliant reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These U.S. Department of Education XXXX XXXX student loans are being reported inaccurately and in violation of multiple sections of the FCRA. The accounts are reporting as >120 days late month after month while simultaneously displaying OK payment history for periods where late status is being claimed. This is contradictory and materially misleading to creditors. 

The accounts do not show a Date of First Delinquency as required under FCRA 623 ( a ) ( 5 ). The servicer has failed to provide a valid Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). These loans were previously disputed, reinserted, and updated with negative reporting without proper notice under FCRA 611 ( a ) ( 5 ) ( B ).

XXXX has already begun removing some late payments, which confirms the reporting was inaccurate. However, the accounts remain incomplete, misleading, and harmful. I am requesting full deletion of both accounts because the servicer can not maintain consistent, complete, and legally compliant reporting.

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 2025-12-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: CA

Complaint narrative:
CFPB, am making a good-faith effort to work with Fizz and resolve this matter responsibly. I am not refusing to communicate or cooperate. 

Despite this, Fizz has escalated to aggressive collection tactics by sending repeated XXXX-generated invoices instead of providing proper written account documentation through its own platform.

Fizzs own application clearly states that I have until XX/XX/XXXX to address the balance. However, Fizz is now demanding an immediate minimum payment of {$100.00} today, including through XXXX  invoices, before that stated deadline has passed. 

This escalation to same-day payment demands for a minimum payment contradicts the timeline presented in the app and creates unnecessary pressure. These XXXX  invoices were sent without : A complete itemized account statement Validation of the alleged balance Clear disclosure of how or why Stripe is being used for collection Rather than responding constructively to requests for clarification, Fizz has increased collection pressure through third-party invoicing, even though the in-app deadline remains XX/XX/XXXX. 

Why this is a problem Fizzs actions are inconsistent with its own billing communications and appear unnecessarily aggressive given my ongoing good-faith efforts to resolve the matter. This conduct raises concerns regarding : Inconsistent and confusing billing communications Premature escalation and same-day payment demands for a minimum payment ( {$100.00} ) before a stated due date Failure to provide proper account validation Potentially unfair, deceptive, or abusive billing and collection practices Aggressive collection efforts are not appropriate when a consumer is actively attempting to work with the company and when the companys own application reflects additional time to address the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: OK

Complaint narrative:
Experian illegally reinserted a charged-off XXXXXXXX XXXX credit card account after it had been blocked due to identity theft, causing substantial and immediate harm to my credit profile. 
I am a documented victim of identity theft and previously submitted identity-theft documentation to Experian. As a result, Experian blocked the XXXXXXXX XXXX  account and issued an updated credit report reflecting the block. My credit score increased materially after the block, confirming the derogatory impact of the fraudulent account. 
Shortly thereafter, Experian reinserted the XXXXXXXX XXXX account and stated in writing that it had obtained additional information and that either ( 1 ) my request was based on a material misrepresentation, ( 2 ) I agreed in writing that the block was in error, or ( 3 ) I knowingly obtained or should have known I obtained goods, services, or money from the account. 
Experian did not identify which of these statutory exceptions it claims applies, did not provide evidence supporting any of them, and did not provide the required details of any furnisher certification supporting reinsertion. 
This reinsertion caused my credit score to drop approximately XXXX points within days and continues to cause ongoing harm. 
Violations Experians actions violate the Fair Credit Reporting Act, including but not limited to : 1. 15 U.S.C. 1681c-2 ( FCRA 605B ) Information blocked due to identity theft may only be reinserted if a specific statutory exception applies. Experian failed to identify which exception applied or provide evidence supporting any exception. 
2. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Experian failed to provide adequate reinsertion notice supported by proper furnisher certification identifying the basis for reinsertion. 
3. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Experian failed to provide a meaningful description of the method of verification, including what documentation was reviewed and who certified the information. 
4. 15 U.S.C. 1681e ( b ) Experian failed to follow reasonable procedures to assure maximum possible accuracy before re-reporting a charged-off account previously blocked as identity theft. 
Additionally, XXXXXXXX XXXX continues to update balance and charge-off status information after identity theft was reported, indicating ongoing furnishing of inaccurate information. 
Harm Caused Immediate credit score drop of approximately XXXX points Ongoing creditworthiness damage Increased borrowing costs and credit denials Continued emotional distress and time spent correcting unlawful reporting

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 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ALCAR INC.
State: CA

Complaint narrative:
XXXX XXXX DR Bank continue to harass me even though they know I am in a documented financial hardship and can not make the payment at this time. I attempted to apply for hardship assistance, but I was denied. Instead of providing support, they sent me new threatening emails implying collections and credit reporting by XX/XX/XXXX. They expect me to pay when I simply do not have the funds, and they know this. 

I already issued a written cease-and-desist instructing them to stop calling, texting, or sending harassing notices. They ignored it. They continue emailing me aggressively, even though they have been told repeatedly that I can not pay right now. 

This comes after a separate unresolved issue on my other Upstart-serviced loan, where XXXX illegally debited my account after I revoked ACH authorization and turned off Autopay. That unauthorized debit caused overdrafts and financial harm. They still have not addressed this. 

XXXX XXXX DR Bank 's conduct shows a pattern : refusing to honor my hardship, denying assistance, threatening me, ignoring my cease-and-desist, and continuing contact despite my legal rights. Their agents respond late, inconsistently, or not at all, making it impossible to resolve anything. 

I am being threatened over a payment I can not make, after being denied hardship, while dealing with their previous unauthorized debit. Their behavior is abusive, unfair, and predatory.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MT

Complaint narrative:
I received my paycheck from XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, Located in XXXX XXXX. I received my paycheck which was XXXX XXXX XXXX XXXX XXXX XXXX  in my account on XXXX XXXX XXXX at XXXX. At XXXX i received an email from Chime stating that I made a payment from my checking account to an email address i didnt recognize which was XXXX for XXXX dollars. I immediately contacted chime when i realized that my money was missing from my account. I told them I didnt share my password, I havent left my phone anywhere or put myself in a position for my information to be shared or stolen. I filed a claim and told them my security on my account was up to date and that i had no idea who this email was and that i did NOT approve or make this transaction with them considering i have NEVER sent anyone money to an email address, and this email address didnt even have a chime account. They had me change my password and give them the email address that it was sent to and had no follow up questions for me. I then waited for it to be approved because i didnt make this transaction only for them to deny it and state that apparently it was me who did the transaction. which again, i did not. i have no clue where my money went or who it went to and they will not return or refund my money. My claim case number was XXXX

Company response to consumer: Closed with explanation