vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
Account XXXX # XXXX * * * * I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Permanent account closure and reported my closed account to Chex systems for XXXX years due to fraud. I tried to open an account and the payroll check was fraud I had no idea this would happen and I wasnt notified by bank of 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 2025-10-22 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: LA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Started an account with Byte for teeth straightening. I guess they financed through synchrony. I paid up until I could not get my final retainer. My kit molds keep being returned but it's funny when they wanted my money the mold was perfect. Go figure. After XXXX different trys and multiple emails I refused to pay for something I was not receiving. Finally I received a letter that XXXX was closed down due to improper screening of patients beforehand. XXXX is no longer a company so my warranty would be null and void anyways. Now they are suing me.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
We have a fraud claim for XXXX and they refuse to give it back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the above-referenced account and request full validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and dispute both the validity of the debt and the amount claimed.

Please provide the following documentation to validate the account : 1. The name and address of the original creditor and any entity that has owned or serviced this account since origination.

2. A copy of the original signed contract or agreement that created the obligation, bearing my signature.

3. A full, itemized accounting of the alleged balance, including all fees, interest, payments, and credits applied since the account opened.

4. Proof of ownership or assignment, showing a complete chain of title from the original creditor to your company ( if applicable ).

5. Proof of authorization to collect debts in the State of XXXX, including license or bond information.

6. If a judgment has been obtained, a copy of the judgment and the court case number.

7. The date of last payment on the account and all payment history associated with it.

8. If the account was charged off or sold, documentation showing when and to whom it was transferred. 
Until you provide full and complete validation of this alleged debt, you must cease all collection activity and stop reporting this account to any credit reporting agency. If the account is already reported, you must update the record to reflect that the account is disputed. 
I also request that all future communication be conducted in writing only, sent to the mailing address above. Do not contact me by telephone. 
If you fail to provide adequate validation within XXXX days of receipt of this letter, I will consider the matter closed and take appropriate action to protect my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My dad called me about some lady calling him private about me being sued and served. My dad lives in New York. I reside in florida. About XXXX mins later i received XXXX private calls. I asked who it is. She said its a matter about pre legal about being served. I said its not legal to call for a debt collector in florida via a private call. I disconnected call. She called private XXXX more times. I answered and when she started talking i hit record and it notified both parties that i was recording. She said shes a private XXXX and that does pertain to her. She asked me to call Midland credit recovery. I terminated call. I called midland credit recovery. After lady answered. I hit record it notified both parties i was recording. I asked why she was having people calling me private. She said it was possibly the client but didnt know. I gave her the account number but she did not provide any info on client.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MS

Complaint narrative:
I am trying to purchase a home and I noticed several fraudulent accounts on my credit profile. I proceeded to contact the credit bureaus and the creditors asking for the original documents used to open these accounts as I am entitled to under the FCRA laws. The credit bureaus TransUnion, Equifax nor Experian sent me the requested documents. All of the bureaus seem to be running sham investigations and these actions are hurting me financially. I have asked for help in removing the fraudulent accounts and no one is helping me.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
This account inaccurate never had this of file this is a remark reported on my file damaging to my credit I am a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I inadvertently input my XXXX XXXX debit card number instead of my XXXX XXXX credit card number when initiating/requesting a balance transfer from aforementioned credit account, funds for which were furnished by USAA as a feature of my USAA credit card account. 

Upon realizing my error, I attempted to cancel the transfer and noticed the recipient of the funds was listed as XXXX XXXX with only the last XXXX digits of the recipient card number shown. When communicating via chat with USAA I was told I could not cancel and instead should file a dispute. This dispute was unsuccessful ( and the transaction listed as valid ) because as USAA says, We were unable to collect the balance transfer back from the external financial institution. Please contact the external financial institution to initiate the transfer request. 

When talking to XXXX XXXX department, I was informed that my only recourse was to contact USAA since the account number I could provide didnt exist ( the erroneous XXXX debit card number ). Note : I do not, nor have I ever, had an account with XXXX ( XXXXXXXX XXXX ). 

Contacting USAA only led to circular, unsuccessful options, XXXX of which was reaching out to XXXX ( see above ). 

The only way this error could happen is if I made a mistake in the debit card number such that it was now a valid credit card number at a completely different banking institution. 

USAA will not provide me the full card/account number I put into the request form.

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 2025-10-22 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: NC

Complaint narrative:
THIS ACCOUNT WAS CREATED FRAUDULENTLY AND IS NOT MY RESPONSIBILITY.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
b'Name: XXXX XXXXCIF: XXXXDispute Reason: The product that was received does not match the description and the company stole the advertisement from another company. If you look at their reviews it states this company is a scam and they have refused a refund for this item. I wished I would have looked this up beforehand but I am disputing this transaction.\nAccount Number: XXXXAccount Name: Checking XXXXnAccount Available Balance: XXXXDate EventXXXX XXXXnTransaction Description: POS Transaction - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransaction Amount: XXXXTransaction Date: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I want to be absolutely clear, this is not a minor error. XXXX accounts on my credit report are inaccurate and have remained uncorrected despite my attempts to resolve them. These persistent inaccuracies are causing real financial harm and significant stress during an already difficult time. I expect these issues to be treated seriously and corrected without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: TX

Complaint narrative:
XX/XX/year> I went to my Dollar general in XXXXXXXX XXXX to purchase a prepaid visa card for my XXXX insurance as advertised on the front of the packaging it said no activation for card use so I purchased it put on {$300.00} came home called NetSpend because some activation was required I gave them my information social security date of birth home address etc. then I was told that I had to talk to customer service talk to customer service was told that they would not be activating the prepaid card due to account closure then they mail me a check back and it was received XX/XX/year> upon opening check to deposit online it says not for mobile deposit this is very very inconvenient I'm XXXX in the bank account I have there's no local branch to go cash a check I'm sitting here and I'm out {$300.00} and I want either a prepaid card with {$300.00} on it or check that doesn't say not for mobile deposit

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
THIS ENTRY IS FRAUDULENT AND WAS FILED WITHOUT AUTHORIZATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS 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 {$0.00} Please block this information from my credit report within four business days, pursuant to sectio

n 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX  ( XXXX  NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agencyXXXX Under section 605C, the Bureau XXXX required to issue implementing regulations within 180 days of the enactment of the XXXX XXXX  XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX XXXX Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2025-10-22 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I was overcharged for a XXXX. The XXXX XXXX  issued a credit of {$1800.00} on XX/XX/year>. I could see it at Chase in a pending status. 3 business days later it disappeared. Chase stated they could no longer see it. The merchant said it had cleared and settled in their account at XXXX XXXX. I have talked to numerous people at Chase with no help or resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX  XXXX  is reporting a purported collection account allegedly owed to XXXX XXXX for {$2300.00}, originally opened XX/XX/year>, and most recently reported XX/XX/year>. Despite my formal written request for debt validation under 15 U.S.C. 1692g ( b ), this company has failed to provide any competent evidence demonstrating that I owe this alleged debt or that they have legal standing to collect it.

Nonetheless, XXXX XXXX XXXX  continues to furnish and maintain this account as Collection/Chargeoff Derogatory on my consumer reports, thereby damaging my credit reputation and violating multiple provisions of federal law.

LEGAL VIOLATIONS : FDCPA 1692g ( b ) : Continued collection activity without providing proper validation after a written dispute.

FDCPA 1692e ( 2 ) ( A ) : False and misleading representation of the character, amount, and legal status of the debt.

FCRA 1681s2 ( b ) : Failure to conduct a reasonable investigation after receiving notice of dispute and continued furnishing of unverified, inaccurate information to consumer reporting agencies.

FDCPA 1692f ( 1 ) : Attempting to collect amounts not expressly authorized by any agreement or permitted by law. 

These actions constitute willful and negligent violations of the FDCPA and FCRA, and have caused significant emotional distress, financial harm, and reputational injury. I estimate damages at {$2500.00} in actual harm, plus {$1000.00} in statutory damages per violation, as permitted by federal statute.

Company response to consumer: Closed with explanation