vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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:
Dear TransUnion : XXXX my XXXX XXXX account, I see that your institution has published inaccurate and false information in regards to my finances, publically on a credit report under my name. I dispute the following : XXXX. XXXX  XXXX XXXX  XXXX in the amount of {$15000.00}. I have : NEVER heard of this organization ; NEVER received any information or notices from this organization ; NEVER been notified by this organization in any manner. This information is false and the amount is not my responsibility. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX in the amount of {$100.00}. I have : NEVER heard of this organization ; NEVER received any information or notices from this organization ; NEVER been notified by this organization in any manner. This information is false and the amount is not my responsibility. 

XXXX. XXXX Accounts XXXX XXXXXXXX XXXX XXXX XXXX. in the amount of {$72000.00}. I was NEVER aware of this amount ; and NEVER notified of this amount. This amount and information is false and directly violates several XXXX XXXX  XXXX XXXX orders dated XX/XX/year> ( attached and highlighted ). 

I want a complete copy of my TransUnion credit report mailed to me immediately, with the above amounts removed from my credit report. Along with all names, addresses, telephone numbers, and emails associated with each organization in which you received information pertaining to the above disputes. My contact information is NOT to be released to anyone or any organization. 

The above issues, either individually or combined, violated my rights and violatXXXX XXXX XXXX XXXX  Fair Credit Reporting Act. The above disputed amounts ( {$15000.00}, {$100.00}, and {$72000.00} ) are to be removed from my credit report immediately and I reserve my rights to recover any and all damages suffered to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing in response to your collection activity regarding the above-referenced account. 
This letter is a request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt in its entirety and request that you provide proper validation before any further collection activity.

Please provide : 1 ) Proof that you are authorized to collect this debt ( assignment or purchase agreement ), 2 ) A copy of the original signed contract or agreement establishing my obligation, 3 ) A complete itemization of the amount demanded and how it was calculated, including all fees and interest, 4 ) A full payment history from the original creditor to present, 5 ) Proof that the alleged debt is within the statute of limitations in my state, and 6 ) Your license/registration to collect debts in my state, including the license number and issuing authority. 
Until you provide full validation, you must cease collection activity, including calls, letters, and reporting or updating to any consumer reporting agency, as required by 15 U.S.C. 1692g ( b ). 
If you can not provide validation, cease all collection efforts and notify any consumer reporting agency to which you have reported that the account is disputed and should not be reported further. 
Please communicate with me only in writing at the address above. 
Thank you for your cooperati

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am requesting an immediate of adding of freeze on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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 writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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 2025-09-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I used my CareCredit account ( issued by Synchrony Bank ) to pay {$4000.00} for XXXX  XXXX for my cat at XXXX XXXX XXXX XXXX. The charge was approved under a 6-month deferred interest promotion. Days later, a {$66.00} charge was added without my consentdespite the vet agreeing to waive it. This unauthorized charge pushed my account over the limit and triggered a penalty APR. 

In XX/XX/XXXX, Synchrony Bank reduced my PayPal Credit limit from {$1500.00} to {$350.00} and reported an over-limit status to XXXX. Their letter cited unsuccessful payments and denied transactions,

but my PayPal statements show consistent payments and no vendor denials. The only canceled transactions were personal transfers unrelated to credit obligations. I was under financial duress during my pets emergency, and Synchronys actionsapproving unauthorized charges, misreporting my account status, and reducing my credit limithave harmed my credit score and violated fair lending standards. I believe this behavior mirrors the allegations in * S.G. v. Synchrony Bank *, a class action lawsuit involving predatory lending during XXXX  emergencies. I am requesting that Synchrony : - Remove the over-limit status from my credit report - Restore my PayPal Credit limit - Provide a detailed explanation of the metrics used in their decision I have attached supporting documents including : - CareCredit sales draft - XXXX  invoices -
PayPal statements- Synchronys letter reducing my credit limit

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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management is listing XXXX collections on my credit report referenced as follows : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/2025 I submitted a request for verification for each of these accounts. I received a confirmation email that these requests were received. In line with the FDCPA this was to provided for me within 30 days. I never received such validation. On XX/XX/2025 I sent a follow-up reqwuesting that these accounts be removed as I was not given any validation of the debt. In addition I disouted this on my XXXX  credit report and received a response that it was valid. These debts are not valid as I never received verification of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I have attached a file with letters sent to both parties and also the certified dates showing it was prior to them sending me information. Both parties have broken XXXX laws. No matter whose information was sent to me via mail from SCA Collections, they violated XXXX laws by even putting this information in the mail representing anyone 's medical info. In the most recent letter dated XX/XX/XXXX, SCA Collections, even after receiving the certified notice, still contacted the creditor and violated XXXX. Also, following on the XXXX page of the attached file, it shows the date at the top of the page where it also matches the date the collection company requested and received from the creditor, XXXX XXXX XXXX already knowing that the consent was revoked with the letter mailed certified to them on XX/XX/XXXX. I am formally filing a complaint against both for failing to recognize XXXX laws.This debt needs to be removed/ceased and I should no longer be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$600.00} Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that have appeared on my credit report without my authorization. These accounts are not mine and their reporting is both false and damaging. They misrepresent my financial history and unfairly affect my creditworthiness.

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 2025-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
I am a veteran applying for a XXXX mortgage through XXXX XXXX XXXX XXXX XXXX and my lenders loan officer has repeatedly withheld critical information from both me and my realtor. This lack of transparency has already caused us to miss the scheduled closing date, creating financial stress and jeopardizing my ability to secure housing. It appears the loan officer is intentionally sabotaging my loan by delaying and obstructing the process. 

This experience has caused unnecessary financial strain, uncertainty, and emotional distress. Missing the closing date has placed me at risk of losing the home I was under contract for, while also creating potential extra costs such as extended rent, storage fees, or contract penalties. As a veteran, I should not have to face intentional obstruction in accessing the benefits of a XXXX XXXXXXXX, and this conduct has undermined my trust in the lending process. 

Specific Issues : Loan officer failed to provide clear timelines for appraisal and underwriting despite multiple requests. 
I was not given accurate or timely explanations of fees on my Loan Estimate/Closing Disclosure. 
Critical information has been purposefully withheld from both me and my realtor. 
Because of these delays, we have already missed the scheduled closing date. 
It appears the loan officer is directly attempting to sabotage my veteran home loan benefits. 

Requested Resolution : 1. A full, written breakdown of all loan costs and fees with no omissions.

2. Immediate and consistent updates on the loan status ( appraisal, underwriting, closing timelines ).

3. Assurance that I will not be penalized for delays caused by the lenders actions. 
4. A formal investigation into whether the lenders conduct constitutes intentional interference with my VA loan.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I mailed in my Mortgage check ( check # XXXX ) to my Mortgage Company. It was made out to " XXXX XXXX  '' with the account number in the comment. It was dated XX/XX/XXXX. This check was lost in the mail and never made it to my mortgage company. I was told by different people that I should not stress because it was made out to a company and could not be cashed by anyone other than them. Then on XX/XX/XXXX I was accessing my checking account like I do often. I saw that this check had been cashed by an individual on XX/XX/XXXX. The endorsement on the back was eligible scribble. I called my Mortgage Company to confirm that this was not cashed by them and they confirmed it had not been. I then contacted my back ( Regions ) during the next business day. I opened a ticket. After not hearing anything I followed up and the ticket had been closed but the back never called to tell me that. This cycle continued XXXX more times. I finally opened up a complaint with the XXXX that the check had been lost/stolen. I then filed a police report that the check had been stolen. I broke both of these things to Regions. Regions said that they had sent the information to the bank that cashed the check ( XXXX XXXX ), but there was nothing they could do until XXXX XXXX reimbursed them. I have requested on numerous occasions to talk to someone higher up, but have been denied. I am not satisfied with this. My bank should reimburse me this money, regardless of XXXX XXXX 's actions. I do not bank with XXXX XXXX and can not speak to their actions. I would like Regions to reimburse me for a stolen check that should never have been cashed as it was XXXX  months old and made out to a bank. 

They have copies of the police report and check.

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 2025-09-24 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-24 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-24 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: MI

Complaint narrative:
iVE SUBMITTED OVER XXXX COMPLAINTS TO THE CFPB NOTHING HAS BEEN CORRECTED ON MY REPORT THIS HAS BEEEN GOING ON SINCE XXXX THE CFPB IS NO BETTER THAN THE REPORTING AGENCIES NOTHING ON MY REPORT HAS CHANGED SINCE I HAVE BEEN SENDING IN COMPLAINTS THIS IS A WASTE OF TIME I WILL BE SUING THE CFPB EXPERIAN XXXX XXXX AND EQUIFAX FOR NEGLIGENCE I WOULD LIKE TO SAY THAT YALL ARE SOME XXXX WHO DONT DO ANYTHING FOR CONSUMERS YALL SOME XXXX LIARS TOO

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 2025-09-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am disputing {$8900.00} in unauthorized debit card transactions on my Bank of America account. I reported these transactions immediately and have made repeated verbal and written attempts to resolve the matter. 

Despite my timely notice, Bank of America has : Failed to properly investigate the dispute as required under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f and Regulation E ( 12 C.F.R. 1005.11 ).

Failed to issue provisional credit within 10 business days as required by Regulation E 1005.11 ( c ) ( 2 ) ( i ). 
Denied my claim while providing only an activation history and transaction history, without providing copies of documents relied upon, as required by Regulation E 1005.11 ( d ).

Refused to provide supporting evidence such as video surveillance, signed receipts, or proof that the debit card was delivered to my address.

This violates the EFTA, Regulation E, and the Dodd-Frank Acts UDAAP provisions ( 12 U.S.C. 5531, 5536 ), which prohibit unfair and deceptive practices.

What I want : I am requesting that the CFPB ensure Bank of America : XXXX. Recredits my account {$8900.00} for the unauthorized transactions. 
XXXX. Reimburses related costs and damages, bringing my total claim to {$10000.00}. 
XXXX. Provides full copies of all documents, recordings, and evidence relied upon in denying my claim. 

Additional information : Bank of Americas repeated failure to follow federal law has caused financial hardship and emotional distress. I have more documentation supporting my claim than the bank has provided in denying it.

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 2025-09-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects XXXX or more late payment ( XXXX ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation