vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: TX

Complaint narrative:
XXXX XXXX is reporting account XXXX on my credit report. I previously submitted a written dispute and request for debt validation several months ago, in accordance with 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). To date, no documentation or verification has been provided to substantiate this alleged debt. 

Under the FDCPA, a debt collector must cease all collection and reporting activity until proper validation is provided. Continued reporting of an unverified debt constitutes a violation of 1692e ( false or misleading representation ) and 1692f ( unfair practices ). Additionally, this account is being furnished to the credit reporting agencies in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires maximum possible accuracy and prohibits furnishing information knownor reasonably expectedto be inaccurate. 

Because XXXX XXXX failed to provide the required validation within a reasonable timeframe and continues to report the account, I am demanding that account XXXX be deleted from all credit reporting agencies immediately. 

Failure to comply will be considered a willful violation of federal law, and I reserve the right to pursue remedies under 15 U.S.C. 1692k for statutory damages, actual damages, and attorneys fees.

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 2025-10-12 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
XX/XX/XXXX or so we purchases a time share and used this card for the down-payment and the next day realized we had been lied to so planned on canceling. In order to not pay intest during the XXXX to XXXX week cancelations period I opened a dispute with Affirm for the charge until it was resolved. I have now worked with the time share company and they have processed the cancellation however affirm refused to put the balance to the disputed account and instead are mailing me a check. I have made several phone calls but always go to a foreign country with robot responses and are refusing to assist me saying they dont have access and refuse to transfer me to anyone that can help. I now need to file complaint with any and all government agencies to gwt them to handle my issue since phone calls are not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
Date : XX/XX/XXXX Re : Formal Request to Block Fraudulent Information Pursuant to FCRA XXXX XXXX & Final Demand Consumer : XXXX XXXX XXXX XXXX : XXXX SSN : ( available upon request / included in attachments ) LEGAL BASIS FOR DISPUTE I am a documented victim of identity theft. I have filed an FTC Identity Theft Report ( XX/XX/XXXX. XXXX ) and have already disputed these items XX/XX/XXXX. This is myXX/XX/XXXX and final written demand to TransUnion to comply with its legal obligation under the Fair Credit Reporting Act, XXXX ( 15 U.S.C. XXXX ). 

Per XXXX, TransUnion must block fraudulent information within XXXX business days of receiving proper identification and identity theft documentation. 



DEMANDS XXXX. Immediately block and permanently remove all fraudulent accounts and inquiries listed above. 
XXXX. Provide a written confirmation of the date and time each item is removed and a TransUnion file reference number. 
XXXX. For each disputed item, provide full documentation used to verify identity or authorize the application, including : Original credit applications with signatures or digital fingerprints. 
IP addresses or device IDs used. 
Verification procedures and chain of custody documentation. 
Any notes or evidence from furnishers. 
XXXX. If TransUnion refuses to block any item, provide a written legal justification and the documentation relied upon. 



NOTICE OF ESCALATION If TransUnion fails to comply with these demands within XXXX business days, I will escalate to : The Consumer Financial Protection Bureau ( CFPB ) TheXX/XX/XXXXAttorney Generals Office Arbitration and/or litigation seeking damages for FCRA violations . 
Direct complaints and legal action against any furnishers involved.

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 2025-10-12 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-12 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: OR

Complaint narrative:
I received a letter from TransUnion about a cybersecurity threat and was offered XXXX years of protection through XXXX. That company has the wrong bankruptcy date on file. I requested that they correct it, but they said they couldnt see the error and refused to help. They provided a phone number, but every time I call, Im referred back and forth between departmentsone says XXXX is part of TransUnion, and another says its a third party. I just want help resolving the issue.

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 2025-10-12 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/year> i started renting a car. 

The particular car company has a securitization and Special Purpose Vehicle program in which my rental contract was assigned/tranferred to and Navy Federal Credit union refused to investigate my lawful setoff/offset interest in this investment contract. 

The securitization and unjust enrichment was not disclosed in the contract and other misleading and abusive practices where hidden and Navy Federal Credit Union refused, in collusion, with the car rental company to document, account and apply my lawful interest and compensation for the securitization of my contract/account. 

The charge from the rental car company was {$2500.00}. 

My rewards were NEVER added to my account and the setoff/offset/compensation was not considered for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Central Research Inc
State: MA

Complaint narrative:
Currently I have a pending complaint with CRI as a loan provider. They wouldnt take my payment using a savings account but sent confirmation emails. I had thought that the payment was just pending and would post. However they didnt take payment until I called and asked to used my debit card. Then not only did they take out of my checking they also took out of my savings. I dont understand how it didnt work before now all the sudden it does. Ive already put in a complaint about that. I did not realize they also tanked my credit score by reporting I was late on payments. This is what I am currently concerned about. That is not right and I find their actions unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
it says dept buyer i dont know what is this account reporting on my credit report this is reporting to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Hi XXXX, I checked my credit report and I found this fraud collection that shall delete from my credit report. 
I am aware that, as per 15 U.S.C. Sec. 1681 i { a }, you are required to delete this fraudulent account within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
For years I have been paying my Citi MasterCard on time by scheduling payment through my bank XXXX. Over the past XXXX months, my payments have been flagged as late by Citi due to them taking XXXX days to post - despite the payments being received by Citi by the due date and being debited from my checking account. The first time Citi reversed the interest and late fee. The second time, Citi only reversed the interest. The third time I scheduled the payment several days before the due date in order to accommodate Citi 's posting delays. The payment was still flagged as late. I contacted Citi Customer Service again. The rep said she could not do anything to reverse late fees and interest. I escalated to a supervisor. They advised my only option is to sign up for auto pay through Citi. I refused as I want to control my payments myself. Supervisor said he can not do anything. I advised I was a long time customer, always current on payments. Didn't matter. I advised I will close my account. He said that I should do what I need to do. 

I believe Citi 's posting delays are predatory and as a large bank working with another large bank ( XXXX XXXX  ) exchanging payments should not result in posting delays. Citi is using this to collect interest and fees ; perhaps on customers like me who pay in full and on time every month.

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 2025-10-12 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: FL

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX, also known as XXXX XXXX XXXX, is reporting an account that I have identified as fraudulent. The company has appeared under XXXX separate names on my credit reports XXXX XXXX XXXX XXXX TransUnion and XXXX XXXX XXXX on Equifax which I recently learned are the same entity. This creates confusion and inaccurate double-reporting. 

I filed previous CFPB complaints ( IDs : XXXXXXXX XXXX XXXXXXXX ). In response, the company stated that it conducted an identity theft investigation and concluded the account was valid. However, they did not provide any documentation proving I personally applied for or received the funds, such as a signed loan contract, in-branch photo evidence, IP address, or device information. 

I am a documented victim of identity theft and have provided an FTC Identity Theft Report. The companys investigation relied solely on information that could have been used fraudulently ( e.g., my XXXX and XXXX ). 

Additionally, the company sold this alleged account to XXXX XXXX XXXX in XXXX but continues to report or furnish information under multiple names. This may violate FCRA 623 ( a ) ( 2 ) and 623 ( a ) ( 3 ) since the data is inaccurate, misleading, and not marked as disputed. 

I am requesting : XXXX. Immediate deletion of the account from all credit bureaus ; XXXX. Confirmation that both XXXX XXXX XXXX and XXXX XXXX XXXX entries are linked to the same account and will be corrected ; XXXX. Copies of the original signed application and verification documents under FCRA XXXX ( XXXX ) ; XXXX. That this tradeline be properly updated as disputed and fraudulent until resolved. 

Requested resolution : Deletion of the fraudulent account ( s ) from all credit bureaus Confirmation of single, accurate reporting name Written proof of identity verification process Compliance with FCRA 609 ( e ) and 623 obligations Attach : The companys XX/XX/XXXX letter My FTC Identity Theft Report Screenshot of both tradelines ( XXXX XXXX & XXXX XXXX ) on my 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 non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
My Amazon/Synchrony credit card account was closed without warning to notice on XX/XX/XXXX. I had XXXX consecutive payments denied due to lack of funds. I made manual payments for both immediately, o the same day to after. 

The first denial happened because I forgot to change the funding source when I changed my employment direct deposit to a different credit union account. I thought I had updated my autopay info then, but I guess I goofed and I only did it for the one-time manual payment. 

When it happened a second time, their system automatically canceled my Amazon credit card. I contacted customer service and they explained that policy.amd that there was nothing they could do about it. I ashes to speak with some in higher authority, and was transferred to an closed office voice mail. I called back and asked to escalate this to a human manager to explain how this was clearly a clerical fumble on my part, and asked to appeal the decision. They told me I can only make an appeal if I could provide proof that they or my credit union had made an error. I took responsible for my own error. I did get a call back from a customer service manager. She reiterated the policy and I expressed how unfair and unethical their policy is. I have been a solid and responsible credit card holder in good standing for years, and requested a copy of all of my statements for the length of my credit card account. I want to know the exact total I have paid them over all time. They said my account was opened in 2021 and that was as far back and they could go. I need to go over all my past correspondence with them because I do believe it was longer. In any case, I've been a loyal Amazon XXXX customer for, I don't know, at least 15 years. This may be their and Synchrony 's policy but it it unethical, unfair, and has already had a negative impact on my credit score.

I have found similar mistreatment of and complaints by Synchrony customer all over the internet. I would like you to look into it and I want to either start a class action suit, or join an existing one, if that is an option. 

If you have any other courses of action take, I am all ears. 

Please help me. 

I want to start or join a class actuon

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 2025-10-12 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems is reporting account XXXX on my credit report. I previously submitted a written dispute and request for debt validation several months ago, in accordance with 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). To date, no documentation or verification has been provided to substantiate this alleged debt. 

Under the FDCPA, a debt collector must cease all collection and reporting activity until proper validation is provided. Continued reporting of an unverified debt constitutes a violation of 1692e ( false or misleading representation ) and 1692f ( unfair practices ). Additionally, this account is being furnished to the credit reporting agencies in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires maximum possible accuracy and prohibits furnishing information knownor reasonably expectedto be inaccurate. 

Because Transworld Systems failed to provide the required validation within a reasonable timeframe and continues to report the account, I am demanding that account XXXX be deleted from all credit reporting agencies immediately. 

Failure to comply will be considered a willful violation of federal law, and I reserve the right to pursue remedies under 15 U.S.C. 1692k for statutory damages, actual damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: NE

Complaint narrative:
XXXXXXXX XXXX XXXX filed default lawsuit in XXXX XXXX nebraska on XXXX XXXX, XXXX. Did not provide me with original signed contract. The original contract talks about arbitration and not being sued. I also provide support for XXXX person and XXXX  taking money from my account or salary is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX IA XXXX To Whom It May Concern, I am writing to formally lodge a complaint against Wells Fargo regarding unauthorized transactions made on my debit card following its theft. The transactions in question occurred on XX/XX/year>, and include : - Summit : {$10.00} - PURCHASE XXXX XXXX XXXXXXXX XXXX : {$17.00} - PURCHASE XXXX - XXXX XXXXXXXX : {$27.00} I reported the theft and the unauthorized transactions to Wells Fargo, but I have not received the necessary support or resolution to address this issue. The lack of action has caused significant financial distress and concern regarding the security of my account. 

I urge the Consumer Financial Protection Bureau to investigate this matter to ensure that Wells Fargo takes responsibility for its failure to protect my account and provides the necessary support in addressing this theft. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-10-12 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: IL

Complaint narrative:
I find it very unfortunate that Equifax has ignored my requests and doesnt seem to care about the consumer. I regularly check my credit reports these last few months and my scores due to pressing needs of me and my entire family. I have been reaching out to Equifax regarding items I believe to be inaccurate and unlawful to post about me. This has caused me a lot of depression and anxiety which I have been getting treatment for and along with this I recently suffered an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Equifax being XXXX of the important Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Equifax operates then I would imagine that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Equifax about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently noticed inaccurate information on my credit report which is hurting me to obtain credit please do a full investigation in a timely manner. And delete the inaccurate information. 
Account name XXXXXXXX XXXX XXXX XXXXXX/XX/year> Account number 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