vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This company cavalry SPV I , LLC as Assignee of XXXXXXXX XXXX, Filed law suit against me, I did not know who they are or anything about them until lawsuit filed. 

They lied to the court saying they did not know my phone number and not sure of my address, but I have had the address and phone number for eight years and XXXX had both. 
As I understand it, according to Fair Debt Collection Practices Act/Federal Trade Commission -- 15 USC 1692g -- 809 Validation of debt ; they were supposed to send me a written notice with in five days of initial communication with a consumer and they made no commutations with me at all and no notice. Plus they lied to the court on the papers as they said they did not have my phone number or address that I have had for eight years and XXXX had them. 

Cavalry SPV I LLC and their Attorneys XXXX XXXX XXXXXXXX XXXX  of XXXX, Texas XXXX I had never heard of until lawsuit filed. 

I am a XXXX Veteran and I do not have a contract with this company, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing the account reported by Resurgent Receivables LLC in the amount of {$1900.00}. I have never entered into any legally binding agreement with this company, nor have I provided authorization for them to obtain, store, transfer, or report any of my personal financial information to the consumer reporting agencies. This company has failed to provide any original wet signature documentation that proves I consented to such actions. Instead, they continue to rely on unverified and computer-generated summaries that do not satisfy federal law. 

This reporting is a direct violation of multiple statutes, including but not limited to : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers of information to report with maximum possible accuracy and prohibits the reporting of unverified, incomplete, or false information.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires debt collectors to provide validation of a debt upon request, including original signed contracts and complete account history. Resurgent has not provided this.

Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which mandates a full reinvestigation when a consumer disputes an account. Failure to produce original evidence is not reinvestigation, it is negligence.

Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which restricts permissible purposes for obtaining consumer information. Resurgent has no permissible purpose without my consent.

The placement of this account on my credit report without my permission and without proper validation has caused direct harm to my creditworthiness, financial stability, and opportunities for housing, credit, and employment. Resurgent Receivables has acted with negligence and disregard for federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I was notified that I missed XXXX 's payment however I have proof of payments for every month provided by my bank, XXXX  's XXXX XXXX XXXX. I pay via the banks bill pay service and have done so since inception. They asked for me to send proof and that was done via mail in XXXX and they are stating they still do not have proof of payment. I have called them around a dozen times and each time they tell me they are transferring me to a supervisor and I get disconnected. I never receive phone calls back. Today XX/XX/XXXX I attached via their website the bank letters for each month of XXXX showing payment. I have to say that this is the worst customer service I have ever experienced. The payment amount and date that was stated was not paid is as follows : XX/XX/XXXX {$290.00} As I stated previously the payment was made and proof of payment letter provided to them. Processed XX/XX/XXXX Trace # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am reporting a fraudulent Best Buy credit card account that was opened in my name without my authorization. 

On XX/XX/XXXX, a Best Buy credit card account was fraudulently opened in my name. 

On XX/XX/XXXX, I discovered the account through my XXXX XXXX report. I did not apply for or authorize this account. 

As soon as I noticed the account, I contacted XXXX XXXX XXXX to submit disputes and report it as fraudulent. XXXX responded that Best Buy verified the account as accurate and belonging to me, which is incorrect. I have not yet received a response from XXXX 

According to my XXXX XXXX account, the fraudulent Best Buy account currently shows a balance of {$3400.00}. 

After XXXX  refused to remove the account, I contacted Best Buy, who directed me to Citibank ( the card issuer ). Citibank has since closed the account and reported it as fraudulent. They informed me that the fraud investigation and dispute process could take up to 30 days. 

I am continuing to pursue a dispute with XXXX regarding their refusal to remove the account. 

Additionally, just a few days before the Best Buy incident, a fraudulent credit card application was also submitted in my name with XXXX XXXX XXXX XXXX. This indicates that someone is actively attempting to open multiple accounts under my identity. 

I am requesting that this fraudulent activity be fully investigated and that the unauthorized Best Buy account be permanently removed from my credit reports.

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 2025-09-09 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/year> In XX/XX/year>, approximately {$1500.00} in unauthorized charges were made on my credit card ending in XXXX. The charges were for multiple Best Buy gift cards that I did not purchase or authorize. The gift cards were for XXXX XXXX and XXXX, which are used for online gaming and virtual reality platforms. I have no knowledge or reason to use these products. 

I am a middle-aged woman, and these purchases are inconsistent with my lifestyle and normal spending patterns. At the time of these transactions, I was out of the country. I have attached both my passport stamp and flight receipt to prove this, as well as a police report ( Case No. XXXX ). 

When I first reported the fraud, the charges were removed, and my account number was changed. However, shortly after, the disputed charges reappeared on my new account, and the case was closed without my knowledge. I requested that the case be reopened, but it was again closed on XX/XX/year>, without resolution. 

I have disputed these charges multiple times in good faith and provided all supporting evidence requested, yet the credit card company continues to hold me responsible for charges I did not make. This is in violation of my rights under the Fair Credit Billing Act.

What I Want : 1. Reopen my fraud case and conduct a full, fair investigation.

2. Permanently remove the {$1500.00} in fraudulent charges from my account.

3. Provide written confirmation that I will not be held liable for these unauthorized charges.

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 2025-09-09 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 explanation
Consumer complaint received 2025-09-09 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion 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 : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} 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 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 2025-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Since XX/XX/year>, Hyundai Capital America has failed to report my on-time payments to the credit bureaus, resulting in incomplete and inaccurate information on my credit report. This issue has caused my XXXX score to decrease considerably, impacting my financial opportunities.

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 2025-09-09 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: FL

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TN

Complaint narrative:
I had a dog membership with forever animal hospital while I was living in XXXX. During the move to XXXX  I communicated and asked them to cancel the membership because they dont have a clinic in XXXX. They emailed me telling me I owe XXXX to cancel the plan and I told them sure I will pay that. During the move and unpacking and such. Their email respond went to junk mail I didnt hear them them during the moving process and I was busy with the move so I didnt think about it. Later then I got a call from collection agency named Synergetic Communications , Inc. Stating that I owed XXXX. I asked them how I owe that much they said they didnt know I had to contact the clinic, I contacted them and they said well we add a fee 35 % when it get sent to collection I tired to explain to them that I never got an email from them and I was willing to pay it no problem and it shouldve not went to collection and they said well its under the collection agency hands so you have to contact them. I contacted them I paid the XXXX and I told them about the XXXX different. They said they will dispute it. Weeks later I see it on my XXXX  credit report! I contacted them about it and they keep telling me we are hired by XXXX  XXXX XXXX  you have to talk to them and everyone is sending me to the other one back and forth! I showed them the email I got from the clinic initially that I only owed XXXX and they didnt anything about it! 

So I am filing a complaint against XXXXynergetic Communications , Inc. for attempting to collect an inaccurate and unfair debt amount, in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692f ( 1 ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

The original creditor, XXXX XXXX  XXXX XXXX, sent me written notice showing that my balance was {$520.00}. However, the collection agency is attempting to collect {$710.00}, which includes a 35 % surcharge ( {$180.00} ) and additional fees not reflected in the original billing. 

The collection agency sent me verification that actually shows two conflicting balances : the original {$520.00} owed vs. the inflated {$710.00} they are reporting. This makes the tradeline inaccurate and misleading. 

While they claim the surcharge was authorized in the fine print of an intake agreement, the FDCPA prohibits collectors from inflating debts with arbitrary penalties. Reporting contradictory balances violates the FCRAs requirement for maximum possible accuracy. 

I request that the CFPB require the deletion of this inaccurate collection tradeline from my credit report and hold the collector accountable for adding unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I used my Venmo account to send money to my brother, including a {$600.00} transfer that went through successfully. Shortly after, my account was suspended. 

Since then, my account has had a {$1.00} balance that I can not access. Because the account is suspended, I can not withdraw or transfer the balance, and Venmo does not allow me to close the account until the balance is {$0.00}. 

I contacted Venmo support multiple times. The only responses I received were automated messages. At one point, I was told I could donate the {$1.00} to charity, but because my account is suspended, I can not complete that action. 

As of now, I can not withdraw my {$1.00} balance and I can not close my account. I am requesting that XXXXPayPal either ( 1 ) manually remove or return the {$1.00} balance, or ( 2 ) allow me to close my account with the balance remaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
FAIR RESOLUTION : I am demanding this account be marked as * * PAID IN FULL * *. 

WAKPAMNI LAKE COMMUNITY CORPORATION ( WLCC ) NEEDS TO BE HELD RESPONSIBLE for the practices of ENABLE LOANS. It is unacceptable to request proof of unemployment, then deny hardship, stay silent, and send contradictory automated emails. 

I refuse to be pushed into delinquency through deliberate silence. I expect this matter to be resolved fairly and immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NC

Complaint narrative:
XXXX of Events : XX/XX/year> Deposited a {$200.00} check at U.S. Bank. Bank policy states first {$270.00} of deposits should be released immediately. 
XX/XX/year> U.S. Bank processed and approved the check. Funds were released. I made a purchase of {$81.00}. 
XX/XX/year> U.S. Bank reversed the deposit and placed the check on hold, pushing my account into the negative. 
XXXX I spoke with XXXX different supervisors ( last call was today ). Both refused to release my funds. 
XXXX Bank Confirmed they already released the funds to U.S. Bank XXXX 
U.S. BankXXXX XXXX Informed me they will hold the funds an additional day after the hold expires. 

Harm Caused : Upcoming {$90.00} credit card payment will be returned, risking damage to my credit. 
Unable to purchase necessary medication due to lack of access to funds. 
Account remains negative because of U.S. BankXXXX reversal.

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 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/year> XXXX. I am filing a complaint regarding an inaccurate collection account reported by Zions Debt Holdings. This account is being reported with an open balance of {$470.00} and marked as placed for collection. I previously disputed this account with the credit bureaus.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation