vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I am submitting this complaint regarding a debt being reported and collected by Columbia Debt Recovery LLC dba Genesis. The agency is attempting to collect a debt that includes unauthorized and inflated interest charges. The amount owed is XXXX, they are now reporting to my credit that I owe them {$950.00}. 

The debt in question originated with XXXX XXXX XXXX account number XXXX. This account was charged off by the original creditor and later assigned or sold to the collection agency.

The collection agency is now reporting and attempting to collect a balance that includes interest charges that I never agreed to and that are not authorized under Illinois law or the original credit agreement. I have requested documentation showing their legal right to charge interest, but they have failed to provide it.

According to the Illinois Interest Act ( 815 ILCS 205/4 ), interest on debts may only be charged if authorized by a written agreement or capped at 5 % ( or 9 % with written consent ). Additionally, courts in Illinois ( e.g., Tabiti v. LVNV Funding, LLC ) have held that debt collectors may not lawfully add interest to charged-off accounts if the original creditor waived those charges.

This conduct also violates the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the collection of any amount not expressly authorized by contract or permitted by law.

I am requesting that the CFPB investigate this matter and hold the collector accountable for : Charging interest without legal or contractual authority.

Failing to validate the debt upon written request.

Possibly reporting an inflated and inaccurate balance to credit reporting agencies.

This practice is deceptive, harmful to consumers, and potentially unlawful.

I have attached supporting documentation, including the collection letter showing the inflated balance and my dispute request.

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
From XX/XX/XXXX and XX/XX/XXXX a total of {$42000.00} was fraudulently taken out of my checking account by a company known as XXXX XXXX XXXX which is Synchrony Bank. I have called many times and each time told something different. Finally someone there was able to find all those fraudulent transactions ( 15 in all ) and after being transferred around several times, I was told I would be sent a check in that amount. It never came. I called again on XXXX and was told they could not find all the information only bits and pieces not all the transaction amounts. Then I was told it was being referred to corporate and I would get a call from them sometime on XXXX, which of course I didn't, or perhaps XXXX after the holiday which I am not hopeful for. 
This person in Michigan who set up that fraud XXXX account just recently also tried to.open another credit card in my name. They changed my email and home address again. I keep complaining about this to Synchrony and nothing is being done to protect my accounts. All of them are closed but this person keeps trying. If you need my bank statements with those transactions listed I will gladly send them to you.

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 2025-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
These XXXX XXXX accounts are reporting late payments on my XXXX report. I dispute the accuracy of these entries. At the time of the alleged delinquencies, I believe the accounts were either in forbearance or deferment, and I never received billing statements or past-due notices. 

I contacted EdFinancial and XXXX  and asked for validation of the delinquencies under FCRA 623 ( a ) ( 1 ) ( A ). Neither party has provided documentation to support the negative reporting. Continuing to report these late payments without validation is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I live in New York on XX/XX/year>, XXXX, and XXXX, someone living in XXXX  got into my credit card account, went to XXXX in person and charged XXXX different transactions on XXXX of my cards attached to the same account for {$960.00} total. My personal information has been compromised with TD bank card services on XXXX occasions within the last XXXX years and this is the XXXX time.TD bank has no fraud protection for their customers and these transactions should not have gone through. The person stole my information and was able to make in person transactions without both of my physical cards. TD Banks credit card fraud department needs to be investigated for lack of consumer protection, and these transactions need to be reversed immediately and my account closed. Also criminally charge the fraudulent individuals with theft and larceny to the harshest punishment the law allows. This is an ongoing issue and TD bank Card services does not take these fraudulent transactions seriously or protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: COMMERCE BANK
State: IA

Complaint narrative:
There was a fraudulent charge from XXXX. I provided details on charge and contact information from last XX/XX/year>. Ive given up, but Commerce Bank refuses to issue credit and keeps sending monthly bills with late fee and % charges. Ive closed the card and I guess I will wait til it make the cost worth going to small claims court to fight. The problem is its affecting my credit score which was perfect. Im not sure how to get this cleared up. Ive exhausted all I can think of through hours on the phone with the bank and XXXX ( which through merger ) isnt easy to talk to someone. When dealing with online booking and changes they make to websites, it does mislead and create issues. Those issues are hard to correct when you can not talk to anyone. Websites do not allow an easy correction to these charges for serves never used. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX through Commerce Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Scammed out of all of the money in my checking account through cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive discovered a JPMorgan Chase card on my credit reports that I dont recognize. I have no record of applying for or using this card, and none of the bureaus or Chase has produced any documentation showing that I opened this account. This could be a case of identity theft or mixed file reporting. 

I submitted disputes asking for validation per FCRA 609 ( a ) ( 1 ) and 611, but I have not been sent any application, signature, or transaction history to support its presence on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
My husband and I share a Blue from American Express ( Amex ) account with two cards associated where he is the main credit cardholder and I have my own card as an additional user and Im also set up as the account manager. For years, weve received a bill showing our minimum due and monthly payoff for both credit cards ; however, our most recent Amex paper bill included a minimum amount due along with an amount that was more than double what was due for our billing close date ending in XX/XX/year> ( which somewhat stressed us ). When I tried to pay by phone through an automated system, I was only provided the amount due for my credit card versus the amount due for both credit cards so I requested to speak with a representative to get the amount that was due for both cards so I could pay off the statement balance. The live representative informed me that for both cards which includes our monthly closing date ending on XX/XX/year>, we owed an amount that was less than half the amount included on the statement. I asked why wasnt this amount on our monthly bill and didnt really understand the representatives justification, but I noted to her that not sending a paper bill that includes the total amount due at statement close for both credit cards is a misrepresentation of what we owe- for example, our bill included a New Balance of {$6800.00}, along with a Minimum Amount Due of {$59.00}. However, per the Amex Representative, we owed {$2900.00} for the referenced close date, but that amount was nowhere on the statement. I reiterated multiple times that the statement close balance should be noted for both cards and was informed that I would need to call in and get that amount or my husband would need to log in as the main cardholder so I decided to involve the CFPB because I dont believe that is transparent to the consumer, especially if they pay off their monthly statement balance each month. Its not fair to only include the Minimum Amount Due and the larger amount due that includes charges extending past the close date which, in my opinion, could result in a consumer paying more interest or paying for charges before theyre due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MD

Complaint narrative:
In or about XXXX, XXXX, XXXX, I was recently notified that my personal information was involved in a data breach, which I believe has resulted in the unauthorized use or potential misuse of my data. I became aware of this breach through email notification from a company, a letter from a data holder, which indicated that my sensitive dataincluding my full name, address, phone number, email address, and potentially my Social Security number and financial account detailsmay have been compromised.

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 2025-05-25 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: MD

Complaint narrative:
In or about XXXX, XXXX, XXXX, I was recently notified that my personal information was involved in a data breach, which I believe has resulted in the unauthorized use or potential misuse of my data. I became aware of this breach through email notification from a company, a letter from a data holder, which indicated that my sensitive dataincluding my full name, address, phone number, email address, and potentially my Social Security number and financial account detailsmay have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Equifax Information Services , LIC XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : The information listed below, which appears on my credit report, is the result of Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one account not mine. My personal information has been illegally obtained and I have not consented to contract with this entity. Pursuant to privacy act of 1974 my personal information has been used for identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
All 3 reporting agencies are reporting inconsistent account information for this dismissed XXXX XXXX XXXX including account numbers and court numbers. I have received no verification of the public record and information remains inconsistent across reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certifled Mail '' with receipt displaying my signature. If not, please delete account # XXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$400.00}, XXXX XXXXXX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024 , XXXXXXXX XXXX XXXXXXXX XX/XX/year>2024 XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/scrub>/2024, XXXXXXXX XXXX XXXX XXXX/XXXX/2024, XXXX XXXX XXXXXX/XX/scrub>/2024, XXXX XXXX XXXXXX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/year>2024 , XXXX XXXX XX/XX/year>2024 & XXXX XXXX XXXX  XXXX/XXXX/2024

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 2025-05-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-05-25 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:
The account listed is not mine and I have no knowledge of this account XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/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 explanation
Consumer complaint received 2025-05-25 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: Premium Credit Bureau
State: FL

Complaint narrative:
There are multiple inquiries on my credit report that I did not authorize. These inquiries do not belong to me, and I did not give permission for these companies to access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
Dear Transunion/ XXXX XXXX , Upon reviewing my consumer credit reports, I noticed one or more instances of late payment notations associated with the account listed below : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Reported Delinquency Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to formally dispute the accuracy of these late payment entries. I have consistently made on -time payments for this obligation in good standing. To the best records, I have never missed or delayed a payment for this account. Its showing on transunion, and not XXXX and XXXX. 
I kindly request that you investigate this matter and verify the payment history with the original creditor. If the reported information is found to be inaccurate, please update my credit report accordingly to reflect a positive payment history and remove the incorrect late payment entries.

For your convenience, I have enclosed a copy of supporting documents Please provide written confirmation of the outcome of your investigation at your earliest convenience, in accordance with the fair credit reporting act ( FCRA ) Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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