vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: FL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-07-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX2025 Experian XXXX. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Subject : Credit Report Dispute Request for Investigation To Whom It May Concern : I am writing to formally dispute the following information that appears on my credit report. This information is inaccurate and/or incomplete, and I request that it be investigated and removed or corrected as soon as possible under the Fair Credit Reporting Act ( FCRA ). 

The item I am disputing is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : This account does not belong to me. 
I am requesting that the item be removed or corrected to reflect accurate information. I have included copies of supporting documentation to assist with your investigation ( such as payment records, account statements, letters from the creditor, etc. ). 

Please conduct a reinvestigation of this matter and remove or update the inaccurate information as required by the FCRA. I also request that you send me written confirmation of the results of your investigation and a copy of my updated 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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I had XXXX XXXX XXXX on XX/XX/year> and have recently recovered to the point I could review my credit accounts. I had the Care credit/Synchrony Banck account set up on a {$500.00} auto pay monthly and went online to pay what I thought was a {$500.00} balance. I found a balance of over {$1800.00} after an interest charge of {$1200.00} charged in late XXXX. 
I called them and was advised the charge was for accrued interest since I had not paid off the loan within the 12 month period. I only used this credit through my dentist office and was not advised of a 12 month period. The rep I spoke to said they sent emails to an account that I never used and lied about another email address they had on file. 
I appreciate any help you may provide. 

Respectfully, 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 2025-07-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024, I had an appointment at XXXXXXXX XXXX at XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY XXXX. I paid {$210.00} for a full head of highlights, toner, and a haircut. Unfortunately, I had a terrible experience and did not receive the services I was promised or paid for. 

Despite clearly and repeatedly requesting a full head of highlights, I was given a balayage and an extremely uneven haircut. I spent over 6 hours in the salon being passed around between different people. My original stylist was extremely behind schedule, inattentive, and rushed my services. My foils began overheating from being left unattended, and someone else had to cut my hair because the stylist was still backed up. When I asked if they still had time to finish my haircut, the stylist offered a rushed, careless trim. The salon owner admitted the delays were due to my stylist falling behind and told me I had too much hair, which interfered with other clients. 

After going home and washing my hair, I saw how uneven and choppy both the color and cut were. I gave the salon a chance and waited about a week to see how the hair settled before reaching out. I sent multiple messages with photos and explained everything calmly and clearly. I never received any response from them until I filed a dispute with Chase. 

Once I filed the claim, the salon finally responded to me. I explained everything to Chase, and I was issued a refund of {$210.00}. 

Chase then attempted to contact me once by phone, which I missed. I called them back shortly after and provided additional information for the claim. Despite this, on XX/XX/2024, Chase reversed the refund and withdrew {$210.00} from my account without any warning. 

I was never sent any secure message, email, or mailed notice that they needed more information or that the claim would be canceled. I was also not informed that my callback wasnt enough. This process was unfair and I was denied the opportunity to fully participate in the investigation. 

I am requesting that Chase reopen or re-investigate the dispute and provide a written explanation of why my claim was canceled after I responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
upon reviewing my credit reports i noticed accounts that were open without my knowledge or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
upon reviewing my credit reports i noticed accounts that were open without my knowledge or permission.

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 2025-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the validity of a collection account currently being reported by your agency, Credit Systems International, on my credit report. Upon reviewing my credit report in preparation for purchasing a home, I was surprised to find this collection account. The three major credit reporting agencies enacted new policies regarding medical debt reporting. Under these changes, no medical collection under {$500.00} may be reported, and for debts exceeding this threshold, a minimum of one year must pass from the time of delinquency before they are eligible to appear on a consumer credit report. Furthermore, as of XX/XX/year>, the Consumer Financial Protection Bureau finalized changes to Regulation V. These updates explicitly prohibit consumer reporting agencies from including medical debt information on credit reports or factoring it into credit scores provided to lenders. This collection is in violation of Regulation V and should be deleted from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am submitting this complaint with full certainty and deep frustration. My credit report contains multiple errors that have seriously affected both my credit score and my ability to move toward financial stability. These inaccuracies have gone unaddressed for far too long and are now disrupting my life.

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 2025-07-15 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: AZ

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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This is now the second time via letter I'm attempting to validate the alleged debt against me. They have yet to send the information that would prove the alleged debt is valid and lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing how Capital One Auto Finance is reporting this account. The account was charged off after the repossession, yet they are continuing to report the account as currently late each month. This is inaccurate and misleading. A charged-off account should not continue to report as late monthlyit creates the false appearance of ongoing delinquency. 

Under the Fair Credit Reporting Act ( FCRA ), information reported must be accurate and not misleading ( FCRA 623 ). Monthly delinquent updates after a charge-off or repossession violate this principle. 

I previously requested a full investigation and proper correction or deletion. However, this incorrect reporting persists. This is damaging and unlawful under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) if any third-party collector is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate or unverified accounts remain unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic issues such as : Failing to forward consumer-provided evidence to furnishers Accepting unreliable responses from furnishers Failing to adequately notify consumers of dispute outcomes These failures directly align with my experience. Despite submitting valid evidence, Experian has neither corrected nor removed the disputed items from my credit report. This has caused ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts. Experians inaction violates federal law and infringes upon my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
I make it a priority to regularly monitor my credit report because maintaining a strong credit score is essential to me. However, I continue to see false and inaccurate information being reported. Despite raising this issue multiple times, nothing has been resolved. The ongoing presence of these inaccuracies is not only frustrating and emotionally draining, but it is also causing unjust harm to my credit profile and overall well-being.

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 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I have contacted both XXXX and Comenity Bank to provide me a copy of a my signed finance agreement or documentation showing I agreed to these terms. I was requesting for a settlement for my retroactive interest be waived and be allowed to pay off my original amount due for the dog and they have denied my request to speak to anyone including a supervisor. I never agreed to these finance terms and even when I tried offering a settlement for a fair resolution given my payment history/ credit, they denied me multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This event occurred during later part of XXXX to mid XXXX, {$11.00}, XXXX, company are aggressively trying to get the money although my social security number was apart of the national data breach.

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX, a court hearing was held in the state of Pa at XXXX where this company failed to attend in which the judge dismissed the judgment by default. This company claimed to have been retained by Navy Federal Credit Union as of XX/XX/XXXX to collect an alleged {$8600.00}. However, failed to send me the power of attorney and or attach such proof to the lawsuit. 

They claim they sent a Model Validation Notice on XX/XX/XXXX, XXXX in which I allegedly disputed the debt on XX/XX/XXXX. ( This never occurred, I never received any documentation from this company prior to the lawsuit file in magisterial district court ). They claim they responded on XX/XX/XXXX with a certified letter, which I didnt claim, and it was returned unclaimed on XX/XX/XXXX. Nonetheless, they asserted that they tried to resolve the matter but got no reply, so they filed suit on XX/XX/XXXX in which on XX/XX/XXXX the case was dismissed by default of the plaintiff. 

This company response raise severe concern for the following reasons : 1. Certified Mail Guaranteed Delivery They admit that I ( XXXX XXXX XXXX ) never received the verification of debt. 

Under 15 U.S.C. 1692g ( FDCPA ), they are required to provide validation of the debt upon request. 

If I never actually received the debt verification, their obligation remained unfulfilled they can not rely on we mailed it alone. 

Courts have ruled in similar cases that sending alone doesnt equal compliance if the consumer never received the verification. I was deprived of a meaningful opportunity to dispute. 

2. They Ignore the hearing date in which they filed a lawsuit against me for a judgment in the amount of {$8600.00}. 


3. No Proof Attached of the Actual Debt to their response to the CFPB. This company did not include any documentation of the debt itself such as : A signed promissory note Account statements Chain of assignment Power of attorney from Navy Federal Which raises serious doubt about whether they have legal standing or actual authority to sue, which is a valid FDCPA and procedural defense. 

4. In addition they blame me for not claiming " Certified Mail '' I'm not legally required to claim certified mail. Debt collectors can not avoid responsibility by hiding behind failed certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation