vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, XXXX  and XXXX  are reporting a charged off XXXX account with the # XXXX XXXX. This account is supposed to be charged off meaning they wrote if off as a loss and they are supposed to supply me with a 1099C which they have not, even though I have asked for it.

2. If the account was written off why is it still showing on my credit report with a balance? Do they know this is a violation? I urge the CFPB to please aid me in the reinvestigation of this item on my credit report and to please explain why there is a past due balance while their report shows a charge off. I demand immediate deletion of this account due to multiple violations.

3. Dates of of payments, last activity and the date the account was closed are not the same on all three accounts ; How can that be? If it is 100 % true and accurate all dates must match.

4. lastly even though I have requested method of verification and proof verification, the demand of my requests have not been met. The account shows as not disputed though I have been disputing for moths.

I am sure that they are not doing proper investigations of this account because if they had they would of seen all the violations and would have move to delete it because the information being provided is not 100 % correct, true and accurate. Please keep in mind that 15 USC1681 2 ai

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts you are reporting were opened and used without my authorization. I did not open, authorize, accept, or use these accounts, and I am not responsible for any balances, charges, or payment history on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I am submitting this follow-up statement to reiterate and clarify the multiple inaccuracies present in my credit reports with Experian, Equifax, and TransUnion. Despite my previous dispute, several accounts continue to be reported with incorrect derogatory information that does not reflect their true status. The XXXX XXXX XXXX  account ( opened XX/XX/XXXX, last active XX/XX/XXXX ) remains inaccurately listed as Derogatory with TransUnion, even though the account was fully settled and closed with a {$0.00} balance ; Equifax correctly reports it as Paid, and Experian does not list the account. I request that TransUnion update this entry to accurately reflect Paid as Agreed. Additionally, the XXXX  XXXX account ( opened XX/XX/XXXX, last active XX/XX/XXXX ) is still showing an incorrect XXXX late payment for XX/XX/XXXX with Experian, despite the account being paid off and closed with a {$0.00} balance. I again request that Experian correct this entry to Paid as Agreed. The XXXX  XXXX account ( opened XX/XX/XXXX, last active XX/XX/XXXX ) continues to display multiple outdated late payments that do not reflect the fact that the account was fully paid with a {$0.00} balance. I request that all three bureaus correct this account to reflect Paid as Agreed. Similarly, the XXXX XXXXXXXX account ( opened XX/XX/XXXX, closed XX/XX/XXXX ) still shows multiple late payment notationseven though the account was paid in full and closed which are outdated and no longer representative of the accounts final standing. I request that Experian, Equifax, and TransUnion update this account to reflect Paid as Agreed and remove outdated late-payment reporting. Lastly, the XXXX XXXX account ( opened XX/XX/XXXX, closed XX/XX/XXXX ) inaccurately reflects XXXX late payments from XXXX and XX/XX/XXXX, and a XXXX late payment from XX/XX/XXXX, despite the account being fully settled with a {$0.00} balance. I request that all three bureaus correct this entry to accurately reflect Paid as Agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
National credit systems ( for XXXX XXXX XXXX ) is reporting a {$4700.00} debt that is inaccurate, unverified, and based on undisclosed fees that were never included in my signed lease. I originally emailed a written debt validation request in XX/XX/year> and followed up again in XX/XX/year>. More than 45 days have passed and they have provided no lease, no accounting, and no documentation supporting the amount they claim I owe. 

When I renewed my lease, I signed a written offer for a XXXX lease at $ XXXX. After signing, XXXX added mandatory utility fees that raised the rent to $ XXXX. These fees were never disclosed in writing before I signed, which violates XXXX XXXX. Adding major charges after the fact makes the contract unconscionable under KRS 383.595.

Even though the amount is disputed, unverified, and based on unlawful fees, XXXX continues to furnish this debt to the credit bureaus. This violates the Fair Credit Reporting Act because a furnisher can not report a debt that has not been validated or accurately documented. 

I am requesting removal of this reporting due to XXXX failure to validate, failure to provide documentation, and continued furnishing of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I went and did a transaction in a store called XXXX and it red flagged my account on cash ad and now I can not access any of my money at all they froze my account and they will not get back to me as to how to get this fixed I've tried going through multiple channels and they just keep saying the same thing to me over and over there's no reason it should have been red flag there's no reason my cash would be frozen and now because of this I can't access my fun so I can't pay my rent and I have not received a 30 day pay rent or quit notice because of these XXXX not letting me have my money for some stupid transaction that I already told him what was what it was and what was bought and everything but they were refusing to lift the freeze on my account and get back to me on this and get it fixed ASAP so now I might be getting evicted because of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I would like to file this complaint against Resurgent capital Services who tried to collect debt for first XXXX XXXX  This is an Identity Theft debt doesn't belong to me due my personal Identity was stolen when my car was stolen with my driver 's license my social security plus my personnel information was Expose from several different data breaches and my email address was compromised with my address more XXXX accounts were opened in my name and those accounts doesn't belong to me I don't have anything to do with XXXXXXXX XXXX XXXX I'm asking Resurgent Capital services and XXXX XXXX XXXX  to remove my name from all three XXXX Credit bureaus as soon as possible because I'm a victim of Identity theft. I hereby request that you immediate cease and desist all Oral and written communication with me, along with my family and friends regarding any and deceased all debt collection forever but i would like to request CFPB to forward my complaint to FTC.GOV for more action against Resurgent Capital services and XXXXXXXX XXXX XXXX  I never opened an account with XXXX XXXX XXXX  I have XXXX years Fraud alert and freeze in all three credit bureaus how this account was opened on my name I would like to get an Explanation from XXXX XXXX XXXX  and Resurgent Capital services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because the XXXX credit reporting agencies ( TransUnion, Experian, and Equifax ) are reporting XXXX accounts as charge-off without providing legally required verification, accuracy, or documentation under federal consumer protection laws. 

The disputed accounts are : 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 I am disputing these accounts because : The furnishers have not provided evidence that the information reported is accurate and complete, as required by 15 U.S.C. 1681s-2 ( a ).

I have not received proof that the negative information was properly disclosed to me in advance, as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ).

No evidence has been provided showing that billing statements were mailed to me at least 21 days before the due date, as required by TILA 15 U.S.C. 1666b ( a ).

No legal or accounting documentation has been provided to justify the use of the charge-off classification under federal standards.

Under FCRA 15 U.S.C. 1681i, if information can not be verified, it must be deleted, yet the credit bureaus continue reporting these accounts without completing a proper reinvestigation.

I am requesting the CFPBs intervention to ensure that the credit bureaus comply with federal law and delete any information they can not properly verify according to the FCRA and TILA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I never heard of this company affirm and never used it authorized anyone else to use them however they have multiple account switch my name and social in their system and Ive tried to contact them to tell them they have the wrong person and I never opened any of this stuff and they have NOT removed it still. I am in the military and have informed my legal lead who has advices me in the event they do not remove these items off of my credit report and out their system, we will move forward with a lawsuit. As I have been XXXX over seas for 3 years and impossible to have had these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year>, I became aware for the first time that a Bank of America credit card account had been reported as past due. I was not notified by Bank of Americainstead, I learned of the delinquency through a notification from XXXX XXXX indicating that another lender had reported a late payment. 

At the time, I was enrolled in paperless statements and minimum auto-pay and did not receive any email alert, billing statement, or late notice from Bank of America prior to the delinquency being reported. 

As soon as I became aware of the issue on XX/XX/year>, I immediately paid the full balance of {$40.00} the same day. This was the only charge on the account in over two years, and this represents my first missed payment across all credit obligations. I currently maintain and remain in good standing on over {$600000.00} in active loans and credit, which reflects a long-standing pattern of responsible credit management.

After making payment, I still did not receive any email confirmation from Bank of America. I later contacted Bank of America customer support by phone, and a request was submitted on my behalf asking that the delinquent status be removed as a goodwill courtesy due to the lack of communication related to paperless delivery. That request was later denied. During that call, I was told that paperless statements are reflected within the mobile app rather than through email, which directly explains how I was unaware of the missed payment.

During this same time period, I continued receiving marketing emails encouraging me to apply for new credit cards, while my existing account was unknowingly delinquent.

This single late payment caused a credit score drop of over 70 points from a level near XXXX. I am currently preparing to purchase a home in the coming months, and with current interest rates, this impact is financially harmful and affects my ability to qualify at an affordable rate. 

While I acknowledge I share responsibility for not manually monitoring the account, I relied on paperless delivery and auto-pay safeguards, which did not function as expected in this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries still remain on my report. This failure to act is unacceptable. The continued presence of these potentially fraudulent inquiries is deeply concerning and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial 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 2025-12-08 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: AR

Complaint narrative:
I am following up on my previous complaint regarding the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account, which is reported with a balance of {$180.00} * * on my credit reports from Experian, Equifax, and TransUnion. Despite my earlier dispute, the inconsistencies I identified remain unresolved. These include conflicting dates of last activity, last payment, and late payment notations across the three bureaus. These inaccuracies continue to misrepresent my actual payment history, negatively affecting my creditworthiness and financial opportunities. The ongoing errors violate the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ), which require consumer reporting agencies to maintain accurate, complete, and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
On XX/XX/year>, I was the victim of a coordinated fraud scheme by a merchant operating under the names XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

During the incident, a merchant employee took physical possession of my XXXX, accessed the American Express app without my consent, and processed large, undisclosed charges. I did not authorize these transactions. The merchant split a single {$16000.00} invoice into two charges {$7200.00} and {$8900.00} a known tactic to bypass fraud detection systems. 

I immediately returned all merchandise within one hour. The merchant accepted the return, kept all items, and provided a written slip promising a refund that was never issued. The next day, I filed a police report with the XXXX XXXX Police XXXX. 

I reported the fraud to American Express on XX/XX/year>. American Express later issued me a replacement card on XX/XX/XXXX due to confirmed fraud risk. 

On XX/XX/XXXX, the merchant attempted to fabricate a shipment and generate false delivery records after all merchandise had been returned and after the fraud was reported. The merchant asked for my address because they did not have one, and gave shifting explanations of what they were attempting to deliver. 

Despite extensive evidenceincluding a police report, the written refund promise, documentation of unauthorized access, amount manipulation, fabricated shipment attempts, and false statements by the merchantAmerican Express closed my dispute and stated the charges were valid. 

This case meets every criterion for unauthorized use under Regulation Z ( 12 CFR 1026 ). I have repeatedly provided American Express with a complete evidence packet demonstrating clear fraud, and I am requesting that the charges totaling {$16000.00} be refunded. All the evidence and my dispute requests are included in the attached Master Document Packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I paid off all remaining payments and fees of {$2600.00} on my vehicle lease early in order to return the vehicle ahead of the scheduled lease end. During a phone call with a U.S. Bank representative, I was clearly told that although my account could not be formally closed until the vehicle was physically returned, no further payments would be charged. Despite this assurance, on XX/XX/year>, U.S. Bank incorrectly charged me an additional monthly payment of {$550.00}. 

I am submitting this complaint in part to establish a written tracking record, as U.S. Banks customer service is only available by phone, and prior assurances I received verbally can not be independently verified. 

Additionally, my attempts to resolve this issue revealed systemic problems with U.S. Banks lease return process : 1. Phone-only communication : No email or in-app messaging is available, making it impossible to have a verifiable record of promises or mistakes.

2. Confusing automated phone system : Short input windows and repeated verification steps make it difficult to reach an agent efficiently.

3. Inconsistent and unhelpful staff : I was repeatedly put on hold for simple questions and transferred between departments without resolution.

4. Problematic autopay handling : Even after paying off the full lease, I was still charged, despite being told this would not happen and removing my payment bank account from my lease account. 

This situation is especially urgent because I am leaving the United States next week, which will make future phone communication extremely difficult. I am concerned that further incorrect charges may occur and that my credit report could be harmed over a billing error that I have already made every effort to prevent.

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