vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX * * * * - XXXX - XX/XX/XXXX - {$15000.00} Inquiries XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-28 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: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching 15 U.S. CXX/XX/XXXXeXX/XX/XXXXXXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. CXX/XX/XXXXe XXXXf, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. CXX/XX/XXXXe XXXXe, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXX/XX/XXXXXX/XX/XXXX - {$0.00} XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$3000.00} XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$4300.00} XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$220.00} XXXXXX/XX/XXXX- XX/XX/XXXX - {$29000.00}

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 2025-09-28 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: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching 15 U.S. CXX/XX/XXXXeXX/XX/XXXXXXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. CXX/XX/XXXXe XXXXf, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. CXX/XX/XXXXe XXXXe, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXX/XX/XXXXXX/XX/XXXX - {$0.00} XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$3000.00} XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$4300.00} XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$220.00} XXXXXX/XX/XXXX- XX/XX/XXXX - {$29000.00}

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
There is a closed account on my credit report Charged off. Hurting my credit score. This was not my account

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
An American Express account ( Account # : XXXX ) is being reported on my credit report. I am not responsible for this debt. 

Over one year ago, I contacted American Express and disputed this account. I formally requested that they provide me with documentation proving I am legally obligated to pay this debt. Specifically, I requested a copy of the signed application agreement and the itemized statements. 

American Express has failed to provide any validating documentation. They have been unable to prove that I have any responsibility for this account. Despite their inability to verify the debt, they continue to report it to the three major credit bureaus ( XXXX XXXX XXXX XXXX  ), which is severely harming my credit score and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
well the end of them suing me is XX/XX/year> when I couldn't make it to the conciliation trail... they wanted me to have all this evidence in which i have gave to the court and them as well stating that i have a disability and that i needed to have some sort of plan to help me pay because i cant afford to pay them {$2300.00} plus {$84.00} that they say I owe... they have never given me the actual company that they say i owe this from.... 
this company named LVNV Funding LLC along with their Attorney XXXX XXXX have been harassing me with cops serving me papers and having people looking through my apartment windows as well ... this has gone on for at least a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any
amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of
the law.

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00}

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 2025-09-28 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: SC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any
amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of
the law.

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00}

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 2025-09-28 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: IN

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to allXX/XX/XXXXcredit bureaus. The fraudulent accounts are : XXXX ( {$0.00} ), XXXX ( {$2700.00} ), INQUIRIES XX/XX/XXXXXX/XX/XXXX. The credit bureaus violate 15 USC XXXX and 15 USC XXXX ( XXXX ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OPTUM BANK, INC.
State: CT

Complaint narrative:
I started working at a new company in XX/XX/XXXX. They offered Optum as an option for FSA. I started contributing from my bi-weekly paycheck, till XX/XX/XXXX. 
Now, I do have a medical bill from XX/XX/XXXX. I went to XXXX XXXX XXXX, XXXX CT, and I was inpatient for 2 nights. XXXX, my then health insurance, paid {$0.00}. So the whole bill of almost $ XXXX came to me. I obviously don't have that amount to pay, especially because that was not the only amount I paid leading up to the 2 nights inpatient stay. 
I started using the card Optum sent me for this purpose, and it worked for a while. But this year it stopped working. I called Optum, chat with them on their website, and they keep saying they'll send me a new card in the mail, but since XX/XX/XXXX, I still haven't received my card. I even changed my address just in case it was my mail person not delivering correctly, and nothing. Optum keeps saying they've sent me my card. I am getting frustrated, because, now I have been taken to creditors for not always paying my bill, while Optum has over $ XXXX that would like to use for this purpose. 
For XXXX, the reason they said they didn't pay a cent, was because I went to a hospital that was out of network. How is that fair, that you have health insurance, you pay bi-weekly, and because you go to " out of network '' provider they pay {$0.00}? How is it ok, for my employer, XXXX XXXX, to only allow that their own facilities will be the only ones that their employees that have health insurance through them, can only attend XXXXXXXX XXXX facilities? And if you use a different provider, that is not part of XXXX XXXX, is considered out of network and you are expected to pay the full amount out of pocket? 
I am so frustrated and I truly do not have anywhere else to turn. Any help with XXXX, XXXX XXXX, XXXX XXXX XXXX or Optum, would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XXXX XXXX, I made a XXXX XXXX XXXX XXXXXXXX XXXX XXXX CareCredit purchase at XXXX percent promo APR. I paid it down to XXXX XXXX, then disputed the full charge-citing defective merchandise and attaching proof. Synchrony acknowledged receipt, instructed no payments while investigating per the Fair Credit Billing Act... then, over one billing cycleXXXX XXXX  to XX/XX/year> -added {$1000.00} in interest, claiming the promo had lapsed during the investigation. They refused to waive interest unless I paid in full for the principal balance, which I did under duress. This is illegal.

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 2025-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: MD

Complaint narrative:
I recently was out of work due to medical reasons. I submitted my health documents and reached out to receive a 3 month forbearance. It took the company the whole 3 months to finally approve. I would submit documentation and then they would ask for additional paperwork, delaying the process. During this time I continued to receive letters I was late and late fees being tacked on. I now received paperwork with my approval that my monthly payment has gone up by {$50.00} for the remaining XXXX payments. I cant afford that. On top of that they have added a {$690.00} fee for the forbearance. This is poor practice. My former complaint stated that the teacher loan forgiveness was for federal loans. I had federal loans but the prior administration over the PSLF denied me 3 times for the teacher forgiveness program stating none of my payments would count due to paying into the wrong type of plan but I could start over and it would have increased my monthly payments an additional $ XXXX, which you later fixed a year after I had to change. I initially took out about $ XXXX in loans and have paid over that with interest. My loans date back to 2008. I have been paying on my loans for almost 15 years. Just in the last 5 years in this refinance plan I have paid {$38000.00}, yet somehow I still owe {$37000.00}. I made 10 years of payments prior to that on my federal and private loans. Ive more than paid off my loans with interest by now. I contacted PSLF again before ultimately deciding to refinance because I couldnt afford the variable interest rates that had grown between XXXX % interest. I was again denied. I was making no dent making the payments separately and only paying toward interest, the principal wasnt declining. I have worked in education for the last 13years and am barely making it financially. I currently pay {$640.00} monthly and still have a little over 4 years to go. This is criminal that you cant help me and your explanation of closing my prior case was due to it not being federal. I had federal loans but couldnt get any help then. When I tried working with the company while substitute teaching to get a payment plan they wouldnt work with me and threatened to take my mother and I to court on more than 1 occasion. I want justice for this and will keep fighting this. I dont want to and really cant afford litigation but the fact I continue to be victimized by these loans is becoming too much. Even when Im not working trying to get a forbearance for a few months Im being penalized with fees and letters threatening Im late on payments when I called and emailed them trying to work with them to get the forbearance. You have got to improve this system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the credit reporting agency, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-28 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: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the credit reporting agency, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief