vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid my XXXX XXXX account in full. After payoff, fraudulent charges occurred. I owe {$0.00}. I submitted proof of payoff and fraud documentation. Despite this, XXXX XXXX continues furnishing an incorrect balance and TransUnion continues reporting the account as in review without resolving the dispute. This violates FCRA 611 ( failure to reinvestigate ) and FCRA 623 ( inaccurate furnishing ). I am requesting immediate correction or deletion and written confirmation of compliance.

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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint NOT because of identity theft but because TRANSUNION has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX  XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-26 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: AZ

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} charge off, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Names : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2025-12-26 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written

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 2025-12-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-26 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This serves as a formal complaint from XXXX XXXX to CareCredit/Synchrony Bank , addressing an account they incorrectly claim he owes. The consumer previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, which Synchrony responded to on XX/XX/year>, as " Closed with non-monetary relief '' while asserting the account 's accuracy [ 1 ]. 
The central issue is a significant discrepancy : the consumer maintains they do not owe the debt, while the bank verified it as accurate. The consumer is formally contesting this verification due to a lack of knowledge regarding the debt 's origin. The documentation previously supplied on XX/XX/year>, only included an account verification letter, not the original application with the consumer 's signature and terms and conditions. 
To resolve the dispute, the consumer requests : Specific documentation detailing the entire investigation procedure used to verify the debt 's accuracy ( method of verification ). 
A copy of the original contract and application bearing their signature, which was missing from the previously provided documents.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
In XX/XX/year>, I discovered a collection account reported by Aldous & Associates on behalf of XXXX XXXX XXXX XXXX XXXXXXXX for approximately {$560.00}. I did not receive proper debt validation or complete billing records prior to the account being reported. 

After learning of the account, I disputed the debt and requested validation, including : an itemized transaction history, copies of all notices, access and freeze history, internal account notes, a copy of the signed contract, and documentation showing that billing complied with state law and the membership agreement. 

The collector did not provide full validation or the requested documentation. Instead, they continued collection activity and verified the account with TransUnion while the dispute was open. 

The limited information provided shows that multiple fees and retroactive charges were added after I stopped using the facility and during periods where account access was restricted. The amounts being collected do not match the original balance and do not reflect my understanding of what was billed. 

Because the debt was not fully validated, and the collector continued credit reporting and collection activity during the dispute, I believe this violates the FDCPA and FCRA requirements for accurate reporting and proper dispute handling. 

I am requesting that the company provide complete validation and documentation for review, or remove the collection account from my credit reports if it can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank used to charge me multiple of times used the advantage of my situation as I am new immigrant and I contact with them multiple times to close the account I dont want to deal with them again they told me to pay first the balance which actually they charge me and also they charge me for the credit card for account actually closed and promise me to give me new one or physical replacement for the old one but nothing happened please protection for me from them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting multiple duplicate and conflicting accounts in my credit file. These entries appear under different account names and show inconsistent balances, statuses, dates, and identifiers. 

This reporting is inaccurate and misleading, and has caused credit score damage and prevented me from refinancing a vehicle loan, resulting in financial harm. 

I dispute the accuracy of these entries and request the CFPB to require an immediate reinvestigation under FCRA 15 USC 1681i. I am not attaching documents at this time but will provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing this complaint because Cash App failed to properly investigate disputed transactions and denied my dispute without conducting a meaningful review. 

I experienced multiple system and network errors during transactions and gaming-related payments processed through Cash App. Despite submitting timely disputes and providing evidence, Cash App issued rapid denials that did not address the substance of my claim. 

Cash App did not provide : Any audit logs or system error records Any explanation of how the dispute investigation was conducted Any documentation supporting their conclusion Responses appeared automated and did not reflect an actual review of the evidence. In some cases, responses were issued very quickly, suggesting the dispute was closed without investigation. 

Additionally, my account was later closed and linked to alleged Terms of Service violations while unresolved disputes were still pending. No explanation or supporting documentation was provided tying my disputes to the alleged violations. 

This raises serious concerns about whether Cash App is complying with required dispute resolution standards and fair consumer practices. 

What I want resolved A proper, documented review of my disputed transactions Disclosure of any audit logs or error records related to the transactions Reimbursement or credit for transactions where services were not provided Written clarification of the basis for dispute denial and account closure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
I am a victim of identity theft. I have disputed a fraudulent account from XXXX XXXX with the credit bureaus multiple times, but it still remains on my credit report. While it is no longer listed as a collection, it is being reported as a charged-off account. This account from XXXX XXXX was not opened by me and it is still negatively affecting my credit. I am requesting that this fraudulent account be permanently deleted from my credit file in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
Department XXXX XXXX XXXX XX/XX/year>. 
This account was Unauthorized. 
Address doesn't match. 
Someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation.

I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account.

Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges.

2. Documents showing where this obligation originated and how your company obtained it.

3. Any agreement, application, signature, contract, or document that links me to the account.

4. Proof your company is authorized and licensed to collect in my state, including registration details.

5. Any notices or communications you claim you sent before reporting the account to the credit bureaus.

6. The identity and address of the original creditor, along with the original account details.

7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. 

I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. 
Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. 
If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. 
Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. 
Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to file a complaint regarding some disputed charge froms XXXX XXXX XXXX XXXX that was wrongfully reinstated on my account, leaving me with a negative balance of over {$800.00}. 

I previously disputed these charges after determining that they were not made by me. The dispute was initially reviewed and dismissed in my favor, and the charges were removed from my account. However, without adequate explanation or notification, the charges were later placed back onto my account. 

These transactions from XXXX XXXX XXXX XXXX are fraudulent. I did not authorize or make this purchase, and I am a victim of identity theft. The reinstatement of these charges has caused significant financial hardship and has resulted in an inaccurate and unfair negative balance on my account. 

I am requesting that this matter be thoroughly reviewed, that the fraudulent charges be permanently removed, and that my account balance be corrected accordingly. I am also requesting documentation explaining why this charge was reinstated after it had already been resolved. 

Thank you for your time and attention to this matter. I appreciate your assistance in helping resolve this issue as quickly as possible.

Company response to consumer: Closed with explanation