vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc.
State: IL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/year>, I closed the account by paying the total amount owed. the company agreed, but after 2 months they are demanding payment in the amount of {$94.00} for the non payment of extra fees for the last 2 months plus late fees. 
I have contacted the card and they are not going to revert the fees and charges, i have sent emails to them requesting the account to be closed and not charged anymore, but it seems that they are not willing to do so. 
This is why I am requesting help, do I have to sue them, so they can stop charging me? it seems that they are not willing to stop charging me fees, and i have to keep paying them, i want to know when is this indiscriminate charges are going to stop? I keep paying for not having the pleasure of using their credit, its a matter of fact, I don't have any more credit with them, on the website it says credit available as {$0.00}. 
Please help me or guide me in the right direction, thank you Very Respectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: MI

Complaint narrative:
I am disputing inaccurate reporting on my credit file. The following accounts are reporting as derogatory/charge-off and/or tied to a XXXX XXXX XXXX without proper verification : XXXX XXXX XXXX (

Auto Loan ) reporting closed/charge-off with inconsistent payment history and unverifiable balance.

XXXX XXXX XXXX  ( Credit Card ) reporting closed/charge-off with remarks that are not supported by valid documentation. 
XXXX XXXX reporting closed with a XXXX XXXX XXXX remark, but no evidence has been provided to show this account was included in bankruptcy. 

I previously requested a Method of Verification ( MOV ) under FCRA XXXX. TransUnion has failed to provide documentation of how these accounts were verified, including the name of the furnisher or third-party database used. With XXXX and XXXX frozen, the credit bureaus can not legally verify this information yet continue to report it as accurate. 

This is a violation of the Fair Credit Reporting Act. I am requesting the immediate deletion of these accounts and any associated bankruptcy remarks from my credit file due to failure to verify. 

Please investigate this matter and require TransUnion ( and other involved bureaus ) to either provide full verification documents or permanently remove these accounts from my report.

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 2025-09-18 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/year> I sent a letter via ally financial portal. The response received was to call. Called there was not any information to be provided per Ally. The car has been repossessed I have not received any notification of the sale of the vehicle or a change in the balance owed per Ally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$670.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity
theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Submitted documentation showing proof of bankruptcy and discharge and they would not accept they have since placed me in a judgement that should not be and the original creditor is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
I am disputing the inaccurate late payment reflected on my credit report. My history demonstrates consistent timely payments, and this entry is therefore erroneous. Its inclusion misrepresents my financial behavior and unjustly harms my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
On XX/XX/25, I initiated an international transfer from my XXXX XXXX XXXX account to a XXXX  account in XXXX via MoneyGram. The transaction Reference with MoneyGram is # XXXX. I paid an instant transfer fee of {$1.00} for the funds to be transferred immediately. The amount from my XXXX XXXX XXXXXXXX as been debited by MoneyGram instantly. But the funds have not yet been credited to my XXXX account. MoneyGram has confirmed that the transfer was sent to XXXX but refused to provide me with the XXXX XXXX XXXX reference copy. XXXX XXXX  confirmed that they do not see any funds transferred to the account. As of XX/XX/25, I received an email from MoneyGram that the transaction has been cancelled and the money would be refunded in 10 business days. But it may take longer than that depending on bank processing. I called the customer support to find out the reason for cancelling the transaction. They stated that it is because XXXX the receiver 's bank rejected the transaction. At this point, I do not have any trust in MoneyGram and don't want my money lost in this process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been a loyal Synchrony Bank customer for over 15 years with multiple accounts some less time than 15 years, always paid on time, and never went over my limits. Despite this, Synchrony Bank recently closed all of my accounts without warning and labeled me as high risk. 

Here are the facts : PayPal ( Synchrony ) : Balance around {$3500.00}. I paid $ 400 monthly and always paid off 0 % promotions before interest. 

XXXX XXXX : Balance {$790.00}. In XXXX, I made a {$4000.00} payment, never late. 

XXXX XXXX XXXX : {$0.00} balance. 

XXXX XXXX XXXX : {$0.00} balance. 


I also maintain other loans and credit outside of Synchrony with no late payments. My wife makes one car payment, and my son makes another car payment that is in my name. Neither has ever been late.

There was no misconduct, no missed payments, and no history of abuse with these accounts. Yet I was considered high risk and had my accounts closed, which damages my credit utilization and overall profile unfairly.

What I am requesting : 1. A full written explanation of why my accounts were closed.

2. Reconsideration of the closures.

3. If they remain closed, that Synchrony report them as closed at consumers request to credit bureaus.

This action by Synchrony feels arbitrary and unfair given my spotless history. I am asking the CFPB to review and hold Synchrony Bank accountable for this decision.

-

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
Experian is unlawfully reporting high credit utilization ratios on my consumer file. The issue is not whether the reported balances are accurate it is that utilization ratios are not a legally permissible item of reporting under the Fair Credit Reporting Act ( FCRA ). By fabricating and publishing this derived metric, Experian manipulates consumer credit scores to the detriment of consumers and the profit of its lender clients. This is willful, reckless, and unlawful conduct. 

FCRA 603 ( d ) : Defines consumer report as information bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Utilization ratios are derived, non-factual metrics and therefore fall outside the statutory definition.

FCRA 604 : Prohibits furnishing consumer reports for impermissible purposes. By creating and publishing utilization data, Experian furnishes information not authorized by law, lacking a permissible purpose.

FCRA 607 ( b ) : Duty of maximum possible accuracy. Experian breaches this by publishing artificially inflated utilization data which is inherently manipulative, not factual. 

Pattern of Abuse : As alleged in the XXXX v. Experian class action, Experian has a history of monetizing unlawful data ( trigger leads, unauthorized disclosures ). Utilization reporting is part of this ongoing scheme of consumer harm.

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 2025-09-18 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for inaccurately reporting a medical collection account ( Account Number : XXXX ) on my Experian credit report in violation of federal law. I have never entered into an agreement with XXXX XXXX, nor have I received any correspondence from them regarding this alleged debt. Furthermore, the debt has never been verified with the original creditor. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to demand that XXXX XXXX cease all further contact and reporting of this account. Additionally, this account is past the statute of limitations in Texas, making its continued reporting unlawful. 

It is also improper for a collection agency to report a payment history, as this violates credit reporting guidelines. Moreover, under the Consumer Financial Protection Bureau ( CFPB ) rule announced by the Biden administration, unpaid medical debts should no longer appear on credit reports.

Given the recent CFPB lawsuit against Experian for failing to properly investigate credit report errors, I have serious concerns about the integrity of your reinvestigation process.

I demand immediate removal of this account from my credit report. Failure to comply will result in legal action under FCRA Sections 616 and 617 for negligent non-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 2025-09-18 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: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding some inaccurate negative accounts on my credit report. Despite my previous correspondence and the passage of a considerable amount of time, I have not received any response from your agency, nor has the disputed items been removed from my credit report.

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